But once they take a bit of time to do they're securing their future.
If cpp was made optional and employers would equally contribute to their employee's retirement that would give each person maybe $400/month to make smart investments. With all the investment options available you could even see much more early retirements at 55.
To me cpp is just an expensive but poor life insurance policy that may or may not pay you (not your family) when you get older. It's to the governments benefit for people to die early so they can pocket the cash. It costs them nothing to run the program.
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