Should I start my CPP early? – Real-Life Examples (Updated)

The most common CPP question I am asked is: "Is it smart to take my CPP early?"

The answer to this question is different for investors than non-investors, especially growth-focused investors like most of our clients.

In my latest podcast episode you'll learn:

• Why should you ignore "CPP breakeven" calculations?

• Why are life expectancy stats understated?

• What is the best way to estimate your life expectancy?

• What happens if you are still working?

• How does your tax bracket each year affect your CPP?

• How does your CPP fit into your overall retirement income?

• Who should take CPP early and contribute it to RRSP?

• How does CPP affect the estate you leave for your kids?

• Who should delay their CPP to age 65? Real life examples.

This is an updated post based on 2025 CPP amounts and expectations, and my latest insights.