The Only Canadian Retirement Video You’ll Ever Need

(48) Retiring with CPP, OAS, RRSP and TFSA feels straightforward, until you realize the order you draw from those accounts can cost or save you thousands in Guaranteed Income Supplement and OAS clawback. Brian breaks down why pulling from your TFSA first, instead of your RRSP, in the early retirement years can protect government benefits most retirees give away without knowing it. He walks through a real CPP delay break-even calculation, explains the OAS clawback in plain numbers instead of fear, and shows why generic retirement savings targets ignore where you actually live. If you want a retirement number built from your own bills instead of a national average, this is the video. Timestamps: 00:00 The RRSP vs TFSA order everyone gets backwards 01:46 The Guaranteed Income Supplement test explained 05:33 Delaying CPP to 70, the real break-even age 09:03 The OAS clawback threshold, explained simply 12:05 The TFSA-first withdrawal blueprint 15:32 Why your retirement number depends on where you live 17:22 The psychology of spending your savings 19:02 The three decisions that matter most Hashtags: #canadianretirement #tfsa #rrsp #cpp #retirementplanning ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ 🎯 This channel is dedicated to empowering Canadians aged 55–70 on their journey to build a secure, confident retirement. We break down complex financial topics into clear, jargon-free steps — from CPP and OAS timing to RRSP withdrawal strategies and TFSA allowances — so you can stop worrying and start enjoying the retirement you've worked hard for. 🔔 Subscribe for More: Hit the SUBSCRIBE button and ring the notification bell 🔔 so you never miss our weekly retirement planning tips designed specifically for people planning life after work in Canada! 👉 Subscribe here:    / @brianretirementplaybook   🤖 AI Disclosure: Please note that some of the content, scripts, or visuals in our videos may be created or refined with the assistance of Artificial Intelligence (AI) tools to enhance your viewing experience. However, all financial information and core concepts are carefully human-curated and reviewed to ensure accuracy and real-world relevance for the Canadian market. ⚠️ Financial Disclaimer: Educational only, not professional advice. Always consult a licensed advisor before decisions on pensions, tax, or investments. This channel assumes no liability for financial outcomes.