Mary, 29, is thankful that her mom forced her to pay off her student loan immediately

paycheque project

Name, age: Mary, 29

Annual income: $110,000

Debt: $0

Savings : $11,000 in savings account, $47,000 in tax-free savings account (TFSA), $26,000 in registered retirement savings plan (RRSP), $3,000 in first home savings account (FHSA)

What she does: Account director in public relations

Where she lives: Toronto

Top financial concern: “My emergency fund. Last year I had to get two dental surgeries and it drained it. With... layoffs happening, I worry about having enough money to keep myself afloat for six months without having to ask to borrow money.”

Mary started her career at age 20 with a two-year diploma program, and now she lives comfortably with an income of $110,000 at age 29. She credits her financial fortunes to getting through her 20s without student