Elijah Kirchmaier on Instagram: "Most Canadians are counting on CPP to fund their retirement… But here’s the problem 👇 The average new CPP payment in 2025 is under $850/month. Even the maximum payout is only about $1,400/month — and almost no one qualifies. That’s not a retirement plan. That’s a supplement. CPP was designed to replace about 25–33% of your working income — not your entire paycheck. That means even if you’ve contributed your whole career, you’ll likely still receive less than $20