Fred, are you funded by the CPPIB?

JT and his gang firmly believe Canadians are too feckless/undisciplined/impatient to adequately save for retirement.and they are desperately trying to figure out why we don't accept their message of deferring CPP payments till 65, 70 or beyond.

While CPP is a standalone program (ie the greedy government can't easily get their mitts on the $$) a shrinking demographic paying into the program, current recipients living longer combined with a low growth investment environment, means that the program will soon be stretched to the limit. This, IMO, was the largest factor driving the recent legislation to increase premiums/contributions by persons and corporations. 

The smart money says start collecting CPP early and keep your savings intact and growing between age 60 and 71 when RRSP's must be converted to RRIF's. Particularly if you are healthy and have longevity in the family

https://retirehappy.ca/taking-cpp-early-the-new-breakeven-points/#