Of course Mr. Diamond, a financial planner, is going to recommend that his clients receive CPP early and "preserve" their own savings, because he will no doubt benefit by higher fees from those savings. The arguments for delaying CPP benefits are compelling precisely because life expectancy is uncertain. We need to insure ourselves against a long life and against sharks like Mr Diamond who will prey on the elderly if their decision making capacity declines with age. The other recent article in the Globe describing the habits of the wealthy suggests that the discipline of delaying gratification is a significant factor in wealth accumulation. I suggest that the same applies to benefits earned from the Canada Pension Plan.