Manganic wrote: Adonick wrote: Clinton P. Desveaux wrote: Adonick wrote: Manganic wrote:
Adonick wrote:Surprisingly, I too believe that CPP should be mandatory.
Yes; that does indeed surprise me.
Care to tell us why you would support such a tyrannical concept?
Because I do not believe the average Canadian can afford to save for retirement, and it serves as a basic safety net for the elderly, whom, in my opinion, deserve to be taken care of for their years of hard work.
Take for example a lifelong retail employee. I highly doubt that they can afford a fancy retirement package - and they do one of the most thankless jobs.
I am very pro-market, but it can't solve everything. Sometimes a touch of compassion is necessary in the right places.
But most people own homes, get jobs, and buy food, so why would they not be able to plan for retirement? You take a rather shallow view of individuals.
A large segment of society mortgages their home, both work, buy food, and still live from paycheque to paycheque. I would suggest that most people would struggle to put together any reasonable amount of money towards a retirement plan that may last two decades. If you don't believe that's the case, I feel you live a world of books rather than dealing with the average person.
I consider myself to be an average person.
I manage to do all of the above, and I don't live from paycheque to paycheque. I don't drive a particulary flashy car, I don't have a big-screen plasma TV, and my two computers are old beaters.
I put money away for retirement, buy food, pay my mortgage, car loan, and take a vacation from time to time.
It is possible; people just have to prioritize.
"Broke" is temporary. Poverty is a state of mind.
Relying on the government to look after you is a poverty mentality.
I won't bring up a large body personal evidence in a public forum, but I can tell you that, at least out here in the East, I've never been to a home as of yet that has a plasma TV - although I'm sure they sell.
When you consider real expenses for perhaps a family of 3, maybe dad works full time retail, and mom part time. Rent, utilities, food.
Not much is left for fancy RRSP's. And a lot of Eastern Canadians serve trade jobs and still make $25,000 or so.
There's simply no money left to put away for anything. Our family vacations, were to the South Shore - Summerville Beach, while both my parents worked. Tiny home, in the beginning we all slept in the same room.
Things, for some people, especially the truly working poor, are still desperate. No amount of tax strategy will ameliorate that. I do not mind paying for the natural humanity to provide our seniors with a comfortable retirement.
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