I was lucky enough to retire at 56. Having been raised in households of modest means my wife and I lived and consumed in a modest fashion while being able to consistently contribute to our RRSPs. We were also lucky in the housing market. We both took our RRSP at 60 and OAS at 65 to maintain an adequate income. In hindsight we should have given more consideration to drawing down RRSP to maintain cash flow earlier and delayed the Government programs to maximize monthly amounts and minimized OAS clawback Irwin Mallo