Rob for sure raising kids, making ends meet are tough financial years and it gets worst today with daycare cost in ROC more than a 1000 bucks a kids, mortgages et al and wages that have not grown; unless you are working for the government. But you need to get real with this piece; there are two types of fixed income retired people. The haves and the have not's. The haves are the 25% of the work force with DB pensions (you know who they are, civil servants, bank employees, insurance companies etc but the number is dropping every year as companies get rid of this pension option) and the 5% who assumed wealth or made there own. The have nots are the rest of us, 580$ and change on OAS does not even pay the property tax on a small house in NB. CP well, a lot of have nots get a lot less than the 1200 or so the haves get, savings what are these to working people. My cost have gone up from the taxman taking more and more and I adjust, by consuming less so I do not end up in the poor house.