Frederick Vettese

So without naming any names, one financial advisor in the newspaper, I won't even say which paper he was in, he actually was saying, well, you know what?

I want my CPP early because I don't want to wait until I'm really old to enjoy my income.

And I'm saying, I've never said you should wait until you're really old.

I'm just saying, draw that income from another source.

When you're really old, you're going to have more income than you would otherwise have.

In addition to being able to enjoy more as much as you want to be enjoying right now.

But that's the kind of argument that they actually used in the past.

I don't think I'm seeing that argument as much.

Do I think it ever happens?

I don't know.

I never really thought about it before.

I always think off the top that financially it certainly would seem to make some sense because I know the opposite.

When couples divorce in retirement, it's pretty bad.

And it's bad because...

All of a sudden, you only have half the assets, essentially half the income, but you need more than 50% of income if you're a single versus a couple.

The general feeling on this amongst the experts would be that one individual, one person needs about 70% as much as the couple does in order to have the same lifestyle, same standard of living.

But 70%, it's based on the square root of the number of people.

But the trouble is, if you go from two people to one, you're only going to be getting 50% of that income as opposed to 70%.

So it's a problem.

So if you go the other way in terms of shacking up, I guess it's a good thing financially.