Mel, a 34-year-old health-care worker and father of three, makes makes $104,000. He wants to save a minimum of $50,000 for each of his children's future, pay off his mortgage in the next decade and buy an income property to rent out. He also wants to save a million dollars each for him and his wife's retirement. What should he do to tackle these goals?

Evy Kwong speaks with financial advisor Jason Heath for recommendations.

All of our participants have been granted anonymity, and so we'll be using voice actors for their quotes.

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