CPP at 60 vs 70. The Math is not saying what you think.

Want more from me? Join the free Sunday letter: https://cpamoneymentor.com/moneyletter/ I break down exactly why waiting may not always be the best move when it comes to canada pension plan, especially when comparing cpp at 70 vs taking it earlier. If you have already started your CPP and been made to feel you got it wrong, or you are staring at the decision now, this video is for you. I also work with people one-on-one: advice-only, no commissions, all online across Canada. See how at https://cpamoneymentor.com/ CHAPTERS: 0:00 The CPP Dilemma: Why Most Canadians Start Early 1:39 The Math Behind the Trade: Early vs. Late CPP 5:09 The Break-Even Point and Your Life Expectancy 7:16 The Hidden Tax Impacts of Delaying Your Benefits 14:16 Optimizing for Your Good Years, Not Your Balance 💡 RELATED VIDEOS: [Link to the You have enough video    • The Real Reason $680,000 Doesn't Feel Safe...  ]    • Retirement Planning   📌 ABOUT THIS CHANNEL: I'm Toyin, a CPA and financial planner helping Canadians navigate retirement planning with clear, practical advice. Subscribe for weekly videos on Canadian personal finance, retirement strategies, tax planning, and wealth building. --- ⚠️ DISCLAIMER: I'm Toyin Okezie-Mba, a Chartered Professional Accountant (CPA, Ontario) and CFP® candidate. CPA Money Mentor is an educational channel for a Canadian audience — it is not financial, investment, tax, retirement, insurance, or legal advice, and watching it does not create a professional relationship between us. I'm not a registered investment adviser or dealer, and nothing here is a recommendation to buy, sell, or hold any specific security or product. Everything is general information based on Canadian rules at the time of recording. Laws and tax rules change, and the right answer for you depends on facts I don't know. Please consult a qualified professional licensed in your province before acting on anything you see here. When a video includes a sponsorship, paid partnership, or affiliate link, it will be clearly disclosed in the video and at the top of this description. Past performance never guarantees future results, and all investing carries risk of loss. For financial planning services, a separate written engagement with Steadypace Inc. (operating as CPA Money Mentor) is required. RECOMMENDED READING: Retirement Income for Life, Frederick Vettese #cpp #retirementcanada #personalfinancecanada #canadianretirement #financialliteracy © 2026 CPA Money Mentor. All rights reserved.