What Happens to Your CPP, OAS and Taxes If You Work Past 65

#cpp #oas #canadianretirement Still working past 65 in Canada? Here's exactly what happens to your CPP, your OAS and your tax return when you keep earning a paycheque. In this video I answer the seven questions that come in most often at the retirement help desk — CPP contributions after 65, the CPT30 election, the Post-Retirement Benefit, the OAS clawback, RRSP room past 71, and how all three income streams land on one T1 return. Almost nobody knows these rules until it's too late, and the mistakes are expensive: contributing when you didn't have to, triggering a clawback you could have deferred away, or getting hit with a surprise balance owing in April. Every rule here is broken down with real 2026 numbers, thresholds and worked examples so you can see exactly where you sit. Timestamps: 0:00 The retirement help desk call 0:52 CPP contributions after 65 3:24 The Post-Retirement Benefit explained 5:31 Should you delay CPP 7:12 The OAS clawback rules 9:57 Delaying OAS to 70 11:16 RRSP room past 71 13:30 How it looks on your T1 16:31 The seven rules recapped Legal Disclaimer: The content in this video is for general informational and educational purposes only. It does not constitute financial, tax, or investment advice. 💬 Creator's Note: Each video on this channel takes a lot of time to write, narrate, and animate with care. Yes, I use AI tools to help with voiceovers and visuals, but every message, script, and idea is crafted with intention and love, so you can understand money clearly and feel empowered to change your life. Thank you for being part of this project. 💛 #cpp #oas #canadianretirement #workingpast65