Dave Chilton

It's hard to believe I'd be the first one to talk about it.

But you know, you really were because even though you and I think it's obvious, do you remember for years, everybody said just to your point a moment ago, keep the money inside the RRSP and RRIF as long as you possibly can, no matter what.

to take advantage of the tax-sheltered aspect of it.

There was no room for other strategies or other line of thinking.

Absolutely.

You're 100% right.

And again, I give credit to some of the online, the YouTubers who've done a marvelous job of educating in this space.

And now you're hearing less of that.

They're realizing you're not saying take a cutback in income.

In fact, I've heard you say it's sometimes better to have a bigger income when you're early in retirement because of travel and everything else.

But you are saying get it from a different source.

What I still hear, though, is I don't want to delay it.

What if I die?

And my comeback often is you're dead.

I wouldn't worry about it.

You're dead.

Yeah.

If you die, you've got much bigger problems than not having totally optimized.

Yeah, exactly.

Okay, here's an odd question I was actually really looking forward to asking you.