During our working lives we are faced with tax rates of 10, 12, 22, 24 percent. When we are retired we face tax rates of 15, 18.5, 22.2, 40.7, then, after 85% of your SSB has become taxable, 22, 24 percent.
Once you have reached the 85% taxable SSB level and you are back into the 22 and 24...