@calmmoneycoach: A Canadian couple's retirement plan, on one page Meet Dave and Sue. Both 55, both just retired, right here in Canada. Two pensions, two RRSPs, two kids. The biggest fear in retirement is not taxes. It is running out. So we start there. Add up the income you cannot outlive, pension, CPP and OAS, then compare it to what you actually spend. Theirs covers the bills 1.6 times over, after tax, before touching a single investment. Once the floor is solid, everything downstream gets easier. The portfolio can hold all equity, because the pension is the bond underneath it. The drawdown stays gentle, because nothing is forcing it. And the estate takes care of itself, because the drawdown already built it. The hard part is the one no spreadsheet can do. Giving yourself permission to spend it, and to give some of it away while you are still here to watch it land. The job was never to avoid running out. It is to not reach the end with a full account and an empty list of the things you meant to do. Four steps. The floor, the portfolio, the drawdown, the estate. The full worked example, spreadsheet and all, is in the community. Join at calmmoneycoach.ca.

Brian | Calm Money Coach

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Region: CA

Wednesday 08 July 2026 18:56:27 GMT