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Open this photo in gallery:iStockPhoto / Getty ImagesName, age: Julia, 36Annual income: $107,000 from job, $5,628 from Canada Child BenefitDebt: $66,000 on home equity line of credit (HELOC), $479,422 on mortgageSavings: $8,100 in registered retirement savings plan (RRSP), $23,084 in registered education savings plan (RESP)What she does: Ontario government public servantWhere she lives: Guelph, Ont.Top financial concern: “I just feel like we’re behind. We don’t have savings and we’re not managing much in the way of investments and seeing that grow. The future looks murky.”Julia, 36, just got back to work after her second maternity leave. She took 18 months…

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