Yup, a lot of us are in that boat.  I'm in my mid-sixties, and many of my peers in the public sector have been retired for a decade or more.  The only solace I take from the situation is that I do enjoy my work.  The provision the government has made for us, compared to our public sector peers is through RRSP contributions.   I understand that you may not want to share the mechanics of how the pending changes will affect you, but I see no forward progress against the Liberal proposals without a discussion of the details involved.  Perhaps raising RRSP contribution limits might be a way of softening the blow of these changes.  I understand how it could be rough for people when a strategy is planned a certain way, and then that door suddenly closes.