@calmmoneycoach: In the 1970s, 90% of Canadians with a workplace pension had a defined benefit plan. Your employer promised you income for life. You didn’t pick investments. You didn’t guess. It was handled. Then the private sector walked away from that promise. And nobody told anyone. No education. No transition plan. Nothing. Now 57% of working Canadians feel unprepared for retirement. 39% of people aged 55-64 have less than $5,000 saved. And Canada actually has one of the best pension systems in the world… most people just can’t access it. This video breaks down how Canada quietly split into two retirement systems, what it actually costs to build your own pension, and what you can do about it. It’s not your fault that nobody taught you this. But it is your responsibility now. Save this. Send it to someone who needs to see it.