50Plus.com.

It's interesting seeing how average people "save" for their retirement. Gee, life would be simple if we all had a rich uncle or incredible talents.
50Plus.com.: "I am a 50-year-old freelance writer, and last year I grossed about $32,000. I married late in life (46), had a child even later (48) and took on my first mortgage last March. At the time I met my wife, I had about $15,000 in RRSPs, but we cashed in most of that earlier this year, along with the better part of my wife's savings, in order to buy our home, a home we needed because we had a son, my beautiful two-year-old boy, James, who is the light of our lives but whose day care alone costs us $700 a month. We also started an RESP for him that costs us another $100 a month each.
Put the mortgage and the child together, and you're looking at a couple who's contemplating Freedom 95."