The bigger flag here is the idiocy of mainstream financial advice that doesn't even consider expenses. The TFSA is a savings account as well. So she saves a total of $452. A non-mustachian 19% but I still think she could make the leap. Yearly spending, minus the savings, is 23,652. Firecalc says the portfolio success rate over 50 years is 86%. She could either cut expenses by $3075 per year or work a few more years. I'd take the former, which is why I'm here I suppose.