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Speaking of ... private sector is not just personal RRSP, right? Most have a you contribute 5% and company contribute 5% or some variation of it. Then you are socking away 10% and you can top up on your personal DIY RRSP.
In the public sector, I've seen something like you contribute 4%, they contribute 6% ...
But I do know teachers and nurses can prob retire, earlier than most, hit their max pension by the time they are like late 50's or 60's.
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