Frederick Vettese

Yeah, a big growth.

7.8.

Obviously, I'd like to take all the credit for it.

I mean, my book came out in 2018, and boom, that's when it started going up.

It's not a coincidence.

It is not a coincidence.

But I know other people have been also starting to say that maybe more authoritative voices than mine have been saying that as well.

And also, interest rates still remain low.

So the old argument, well, you know what?

I'm better off to get a lesser amount earlier on, and then earn interest on it, and that'll put me in the same boat.

You can't really make that argument because it's not a valid argument to make.

So maybe those are the kind of reasons other than my book as to why people are starting to do it.

So the 70%, here's one reason why this way might still be at the tipping point and may end up becoming like 20 or 25 or 30%.

And that's because one of the biggest arguments against doing it before was I told people they should do it.

And they say, if it's such a great idea, then why is nobody doing it?

But now people are doing it.

And the more that they're doing it, the more acceptable it becomes.

There's some truth to that.

In my 30th edition of Retirement Income for Life, which came out two years ago, I actually started saying that, you know what, I've been focusing on CPP.

Oh, yes, you should start that early.