Rachel is finding her job rayther tedious and would like to go go back to school full-time for a year or 18 months to take the courses required to become certified as an Human Resource (HR) professional. Once you know thier retirement needs and sources of retirement income from government plans, the DCPP and DBPP, do an estimate of how they will have accumulated in their TFSAs and RRSPS assuming they can save $6,000 each from 2022 to 2035 and cotinue to save in their RRSPs from 2021 to 2035. Also take into consideration the excess cash not invested in the TFSA mutual fund. Does it appear she will be able to return to school and start and new career?