MoM wrote:

>
> > We are officially retired!
> > Now we can start travelling and I can do more experimental cooking!
> > Woopee!
> > MoM
> Thanks!
>
> Jim get's his first Oct 1. We won't apply for CPP till he turns 65.

I plan on applying for CPP at 60. You get a little less if you start
collecting early, but the way it was explained to me at a retirement
seminar is that are ahead collecting it early if you live past 77. I will
play the odds and collect early. My wife started collecting it this year
and it's a nice supplement.