I totally agree with the author.  I cringe every time I hear someone lamenting about "living on a fixed income".  Also, many readers comment about the [alleged] inadequacy of CPP/OAS/GIS.   Most had 40 years in the workforce to prepare for retirement. What were they thinking?  Government grants are only meant to supplement personal retirement savings.  I hope that they have taught their kids not to count on government for their post-retirement income.