Dave Chilton

And one of the things that I was saying to you off air is that I think because you're an actuary and everybody knows how smart you are, there's an anticipation when you go to read your material or listen to your views that you're going to be numbers, numbers, numbers.

and less about people and balance and different approaches, I find you quite the opposite.

I actually find you're wonderful at weaving real life into all of this.

Talk a little bit about how you come up with your ideas for your columns and your general line of thinking.

Well, I can honestly say I like them all.

I think they make the reader think, and that is a great achievement that any writer wants to be able to brag about.

Tell our listeners, our viewers, a little bit about your career before we start with some specific financial questions.

Yeah, I read it.

I love your stuff, as I said.

By the way, our listeners should know you're being very humble there.

You were actually the lead actuary at Morneau, Canada's biggest consulting firm to the pension industry, etc.

So that is quite a role to play.

And you should be very proud of that.

Tell us, end up buying them at some point?

One of the points that you made when you first started hitting the scene, as you say, writing and speaking, was that a fair number of Canadians actually are in better position financially in retirement than they realize.

In fact, some may have over-saved.

And walk us through your thinking there a little.

You know, you mentioned Malcolm Hamilton.

He's another one of my heroes.

I absolutely love him.