Adam and Brett dive into some of the most common retirement planning questions from YouTube and client calls. We dig into planning for future care costs, how to think about RRSP deductions you carry forward, mortgage vs TFSA when income is lower, RRSP vs TFSA “levers,” CPP timing when you have a big DB pension, and why “take CPP early and invest it” rarely wins once you model taxes and cash flow. We also touch on gifting or loaning money to adult children, and finish with a practical tip for estimating retirement expenses without a rigid budget.Whether you’re planning ahead or already retired, this episode offers clear, practical insights to help you make informed financial decisions.00:00 Disclaimer00:16 Welcome & Overview00:51 Planning for Future Care Costs02:28 Issues with Cookie-Cutter Bank Plans03:52 Balancing Income in Go-Go vs No-Go Years04:42 Using Home Equity as a Safety Net07:13 RRSP Contributions Now vs Deducting Later10:10 Paying Down Mortgage vs Funding TFSA12:22 RRSP vs TFSA: Key Rules of Thumb14:40 Income Levels Where RRSPs Start to Make Sense17:05 CPP Timing with a Large DB Pension22:00 Myths About Delaying CPP and Estates24:37 Why “Take CPP Early and Invest It” Often Fails31:32 Gifting vs Loaning Money to Adult Children37:04 Budgeting and Estimating Retirement Expenses Tip41:20 Conclusion

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