Why the standard plan doesn't get most people there — CPP and OAS together pay about $1,300 a month. That's the floor almost everyone is building on, and most people have never done the arithmetic on what has to sit on top of it.

What actually happens to an RRSP on the way out — every dollar you withdraw is income. That affects your bracket, your benefits, and what your family receives. Taxes end up being the single biggest expense in most retirements and almost nobody plans for that.

The two ways to build income the CRA doesn't take a cut of — the difference between a whole life policy and a universal life policy, how the money grows inside each, and how you get it out without it counting as income.

Four minutes.