Brian | Calm Money Coach
Region: CA
Thursday 30 July 2026 15:46:24 GMT
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FreePal :
take your money when you can your health at 60 versus your health at 70 or not the same. and what guarantee do you have that you're going to live to 70 and then collect 2 years only or so much after that
2026-08-03 14:10:37
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KarD818 :
Retired today at 52. Will meltdown RSP and collect CPP/OAS at 65. By then, savings likely still be 7 figures and that will be the shortfall fund for the remainder of my life.
2026-07-30 20:25:09
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regguy32 🇨🇦 :
Don't wait. Money is more useful at a younger age.
2026-07-30 21:05:15
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he_is_so_popular :
If you are “wealthy” with a big RIF happening at 71, and you retire at 65 - why not take OAS at 65 - it will be clawed back 100% starting at 71 anyways - at least you can control your income between 65-71 via melt down - but still defer CPP to 70 makes sense.
2026-07-31 00:53:06
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Catman :
We are a lot like Paul and Marie. Me 62 no health issues but average family life expectancy wife 60 longet than average family life expectancy. We plan to take OAS at 65 since while we can stay below clawback while both alive but will be subject to clawback when either passes due rrif lif transfers from me to her or db survivor benefits a from her to me and loss of income splitting plus the risk of goverment changes to benefit re age or clawback rules. CPP timing decision still figuring out. On one hand I can melt down my rrsps faster to reduce oas clawback risk for spouse but on other hand I only have average life expectancy. My wife is receiving a DB with a bridge benefit so there will be some income to infill at 65 when bridge ends. We both recently looked at our CPP estimates on service Canada they were both higher than I expected ar around 1300. I retired at 55 and my wife at 56. Given we both retired early I was only expecting 75% of a full benefit even though we maxed out each working year since we both retired early and have low income years to drop in the calc from when we were in University. Are you saying the online estimate is overstated? If so, could I manually adjust by reducing by 2.5% per year between our current age and 65 ie 7.5% for me and 12.5% for my wife. Where 2.5% is the approx weighting of each year in the CPP calc ie 1 / 40. So basically weighting a 0 income per year between now and 65.
2026-07-30 16:28:24
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Linda Walter :
keep making good names @Katina Trades
2026-07-30 16:45:39
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Norma P. McGregor 🇨🇦🇨🇦 :
Katina’s energy is unmatched 🔥 @Katina Trades
2026-07-30 16:48:06
6
Nancy Malloy :
Keep shining @Katina Trades
2026-07-30 16:51:58
3
tylerlopez363 :
You deserve way more recognition ❤️@Katina Trades
2026-07-30 16:50:12
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Dorothy Oliva :
@Katina Trades ❤️❤️🇨🇦🇨🇦🇨🇦
2026-07-30 16:56:07
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