In episode 31 of Retirement Unpacked, Adam and Gord  break down if it makes sense to delay your OAS, what happens to CPP if you retire early, the pros and cons of renting vs. holding onto your house in retirement, when income splitting is beneficial, and much more.
Later in the episode, Peter Filippakis joins us to discuss what future changes to OAS could look like and how you can plan ahead if those changes are a concern.

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Chapters

0:00 Intro

0:24 Does it make sense to delay OAS?

3:20 Delaying OAS when you've lived in Canada less than 40 years

5:00 Retiring at 55, what happens to CPP?

8:41 Delaying CPP is pushing me into OAS Clawback

11:53 Renting vs. holding onto the house in retirement

15:36 Should you pay cash for cars?

19:00 When is income splitting beneficial?

21:59 Do you need insurance to cover your debt?

25:00 Trigger to use your cashflow wedge

28:30 Potential changes to OAS

35:09 - Upsizing in retirement