New doctors start out with $200,000 in debt and have no maternity leave.    They need to earn 400,000 to pay off that debt and multiples of this to pay for a house in one of our cities.   I don't think new doctors should have to take a vow of poverty in being doctors.       I will become more altruistic like you when my house is paid for and my four children are grown up like yours.    
      Harper allowed all tax payers to split income and save the $10,000 or so from it.   It was quickly repealed by Trudeau.    Oddly, his tax advantages in the form of family trusts are not being considered for changes.