Reading through recent online discussions about retirement and pensions has left me both frustrated and bewildered. There seems to be an endless parade of posts from wealthy retirees seeking advice on how to maintain their pension benefits while sitting on substantial assets. The mental gymnastics some people perform to justify this behaviour is truly remarkable.

Picture this: someone with a million dollars in assets wondering how to keep receiving government benefits. It would be comical if it weren’t so concerning. These aren’t isolated incidents either - they represent a broader mindset that views the pension as an entitlement rather than what it truly is: a social safety net.