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The CPP debate thus far has largely ignored a critical economic insight. An expanded CPP would not increase overall savings to the extent expected, but would change the mix, with more going to CPP and less to other savings like RRSPs.
Have you ever considered how many degrees of separation exist between you and your money? What I do know is that the more degrees of separation that exists between you and your money, the more it's going to cost you and the less you're going to get.
Seinfeld fans revere the TV sitcom's fifth season. The Puffy Shirt, the Lip Reader, the Marine Biologist; they're classics.The season also gave us one of Jerry's great show-opening monologues, about his constant internal battle between Night Guy and Morning Guy.
An overwhelming majority of Canadians say that they still manage to save for the future, while many acknowledge that they have had to cut back on both spending and saving since the economic downturn. While nine out of 10 Canadians have some form of savings, which is indeed good news, 72 per cent also carry some form of debt. But there are ways to help find a better balance between spending and saving.
