Never tried it myself because I cleared it before I found out , but apparently you can firearrow those tar pits and just let the handmouth things burn . <| sep |> People can xfer to partners , fly business , get 7 cpp . CPP is really not a great value indicator , as long as you are happy with your redemption ! Either way it ' s free , right ? <| sep |> Are you serious ? I was just about to post this comment ! <| sep |> I thought about that a bit . And I came across the comparison of your job and a callable bond . Both pay out money periodically for something that you put up time or money with a mostly deterministic ROI . However the risk is different , e . g . if the company goes out of business , you ' re out of the job . But how often is a bond called by the issuer ? as compared to people being parted from their job . So in a way it makes sense to have only very bonds when starting your investing life , as then your human capital is still very large . However it is hard psychologically to understand the rationalisation above , because putting up so much time over an extended period of time seems way more than putting up a dollar amount . The money is abstract and it is harder to imagine the opportunity cost , whereas the opportunity for time is easy to understand ' I could be at the beach instead of doing this clusterf my boss asked me to '. So I personally do not count my future salary as my net worth because I am a pessimist . ' What is my net worth now and would it support me if I were to quit my job now ? Also my wife just found a new job so our tax bracket went up . So I ' d have to discount my future earnings even more . ' don ' t count your chickens before they ' re hatched sort of rings true here .