The Biggest Retirement Lies in Canada (And How to Avoid Them)
Control and Compound with Darren Mitchell
Release Date: 01/19/2026
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The Biggest Retirement Lies in Canada (And How to Avoid Them)
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info_outlineBOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us
Most Canadians think retirement is about hitting a number but on today’s episode, Darren and Christina break down why that mindset can quietly destroy your plan. They expose the biggest retirement lies in Canada: “I’ll be in a lower tax bracket,” “CPP/OAS will cover me,” “inflation won’t be that bad,” and why the 4% rule can lead to underspending (or worse). You’ll learn the five retirement risks that can cut retirement income in half — and what a “volatility buffer” can do to protect your withdrawals in down markets.
Most retirement plans ignore the exact risks that show up when it matters most. If you want a plan that’s built for real Canadian retirement math — start here.
Show notes:
00:00 - Introduction
01:19 – Key question: If your retirement beliefs weren’t true, when would you want to know?
01:46 – The real driver: retirement success is withdrawal strategy, not just the number
02:33 – The retirement illusion: why “hit $1M” and “pick the right investments” fails
03:18 – 4 misconceptions: lower tax bracket, CPP/OAS/RRSP will cover you, inflation won’t hurt
05:07 – The 5 retirement risks that cut income in half
05:36 – Sequence of returns risk (market volatility): why selling in a down year is deadly
08:15 – Inflation math: what 2% vs 5% inflation does to buying power
11:07 – The tax trap: RRIF minimums, future tax brackets, and OAS clawbacks
12:15 – Longevity risk: why planning to 85 isn’t enough
13:53 – Health & lifestyle costs: the “unknown expenses” problem
16:06 – The safe withdrawal rate problem: why the 4% rule is under pressure
18:36 – The spending lie: retirement spending isn’t flat — “every day is Saturday”
19:59 – Go-go / Slow-go / No-go years: how spending actually changes
23:45 – The cash wedge strategy: good idea, questionable product choices
25:45 – Proposed solution: adding an uncorrelated “volatility buffer” bucket
32:24 – Wrap: reduce stress, increase retirement income, protect against risks
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