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.