IMO it all boils down to choices made at a young age. I retired at age 63 last sept and took reduced CPP along with a company pension (negotiated) and a union pension (also negotiated). My career choice was dictated by necessity not what I wanted to do, kids and mortgage tend to hold your feet to the fire. People tell me I'm lucky but luck had nothing to do with it. Lottery winners are lucky. You got to look out for yourself and do what's right for you and your family.
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Woke up with a pulse, best day ever
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