Is taking CPP at age 60 the best option for a lower income earner?

Is starting CPP at 60 the smart move for someone with modest earnings, or does waiting until 65 just leave money on the table? This piece tackles that very common question. The general case it makes is that for someone in good health with an ordinary life expectancy, holding off tends to pay off, because the reward for waiting is a larger guaranteed income that's adjusted for inflation and lasts as long as you do. At the same time, it's honest about when starting early genuinely makes sense, including shorter life expectancy, a real need for the income now, coordinating with a spouse, or planning around income-tested benefits in the lower-income years ahead. It's a balanced read for anyone weighing the timing of CPP, and a reminder that the right answer depends a great deal on the rest of your circumstances.