How much do you really need to retire comfortably in Canada?
The "70% rule" is popular — but it's not right for everyone. Carrie breaks down how to calculate your personal retirement income target, what to expect from CPP and OAS, and how to close the gap with your own savings.
All retirement articles
When should you start CPP? The answer might surprise you
Starting at 60 vs 70 could mean hundreds of thousands of dollars difference over your lifetime. Here's how to decide.
RRSP vs TFSA: which should you prioritize in your 40s and 50s?
Understanding when each account wins — and how to use both together to minimize lifetime tax and maximize retirement income.
The RRSP drawdown trap — how to avoid a big tax bill in retirement
Many Canadians don't realize how heavily RRSP withdrawals are taxed. Here's how to plan smarter before and after you retire.
Outliving your money — how to make your savings last 30+ years
With Canadians living longer than ever, your plan needs to account for a much longer retirement horizon than most people expect.
Do you know what your pension is actually worth? A guide to pension review
Most Canadians with workplace pensions don't fully understand what they'll receive — or how it integrates with CPP, OAS, and RRSP income.
OAS explained — what you'll receive, when, and how to avoid the clawback
Old Age Security is available to most Canadians at 65, but there are important rules around income thresholds, timing, and deferral benefits worth knowing.
The retirement cost most Canadians forget — healthcare & long-term care
Drug plans, dental, vision, and long-term care costs rise significantly with age. Here's how to build these into your retirement budget proactively.