Does it ever make sense to take CPP at age 65?

The math on the Canada Pension Plan often points toward waiting, since each year you delay between sixty and seventy makes the eventual payments larger. But as this piece asks, who really lives their life according to the answer to a math question? Allan explores the situations where starting CPP earlier, including at sixty-five, can be the more sensible choice once you look beyond the spreadsheet. Health, family longevity, the desire to spend more in the active early years of retirement, and how CPP fits alongside your other income all shape the decision. The point is not that delaying is wrong, but that the optimal-on-paper answer and the right-for-your-life answer are not always the same. It is useful reading for anyone approaching retirement who has heard that waiting is best and wants to weigh that guidance against how they actually intend to live.