The rising tide of senior surfers, advice for a F.I.R.E. couple looking retire by age 40 and the risk of taking on debt to build a recreational property in retirement

Jeanne Keith-Ferris and her husband moved to Ucluelet, on the west coast of Vancouver Island and there, in the sand and surf of the Pacific Ocean, her surfing dreams were reignited.MELISSA RENWICK

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Jeanne Keith-Farris’s earliest memories growing up in California are of playing in the surf with her mother. She dreamed of being on a board on the water when she got a bit older.

Then her family moved to land-locked…

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