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2026 Edition · Updated October 2026

Everything the Government Owes You After 65 — Finally Explained.

OAS, the GIS, the CPP, the CRA & your province — every payment, credit and trap, in plain English, with the exact form, phone number and deadline.

★ ROBERT’S PICK · THE COMPLETE BOOK ★
The Canadian Seniors’ Money Playbook — 2026 Edition2026 EDITION

The Canadian Seniors’ Money Playbook

32 chapters · 57 pages · 40+ benefits & credits
  • The GIS: up to $1,138.90 a month, tax-free — about 1 in 10 eligible seniors miss it
  • 36% more OAS for life by waiting — and how to legally dodge the clawback
  • The new Groceries & Essentials Benefit: up to $679 single, $890 a couple
  • Care costs, drug plans & property-tax help in every province
  • Every form, number & deadline — plus the one-week plan
$32CAD
One-time · instant PDF
Get the Complete Playbook — $32
By buying, you agree to our Terms & Disclaimer.
The big systems in one book: OAS, the GIS, the CPP, the CRA & your province.
Smaller budget? Start here
Nobody Told You This — everyday money rights

Nobody Told You This

Everyday money rights · 12 rules + 6 tools
  • Flights, card fraud, phone & TV bills, snowbird cover & funerals
  • 5-minute money check, worksheets & cut-out cards
$12.99CAD
Start with this book
By buying, you agree to our Terms & Disclaimer.
A separate book — not a cut-down Playbook. No repeated topics.
Robert
Hi, I’m Robert — from the Robert Retires CA channel on YouTube. I make plain-English money videos for Canadian seniors. Both books are instant PDFs — read tonight on any phone, tablet or computer.
APR
30

File your 2026 tax return by 30 April 2027 — even if your income is low. It’s what releases the GIS, the new Groceries and Essentials Benefit and most provincial benefits for the year starting 1 July 2027. The Playbook shows every one, and the free clinics that file it for you.

✓ Verified 2026 figures ✓ No ads or upsells in the Playbook ✓ Every province & territory ✓ Every form, number & deadline

If this sounds like you…

You’re not behind. Nobody ever laid it out for you. The Playbook does.

Inside the $32 Playbook

Six parts. Thirty-two chapters. One complete map.

Every area that decides whether you keep your money — each with the exact form, phone number and deadline, and where your province does things differently.

Part One · 6 chaptersOAS & the CPP

Your real OAS number and the 36% bonus for waiting, how to legally dodge the clawback, claiming the CPP from 60 to 70, the hidden CPP money most people never claim, and what’s left after a death or divorce.

Part Two · 5 chaptersThe GIS & the Gateway

The GIS — up to $1,138.90 a month, tax-free — the traps that cost thousands, every provincial top-up, the Allowance for ages 60–64, and credits for caregivers.

Part Three · 6 chaptersThe CRA & Your Taxes

The credits built for seniors, pension income splitting, where your money should live (TFSA, RRSP, RRIF), the RRIF “tax bomb,” medical and home credits, and selling the house or cottage.

Part Four · 5 chaptersCare, Health & Your Home

What long-term care really costs, province by province, how the subsidy is actually decided, home care, drug plans, and the dental-plan renewal trap.

Part Five · 5 chaptersEveryday Money

The new Groceries & Essentials Benefit, property-tax help and deferrals, transit and internet discounts, $1.88 billion in uncashed CRA cheques, and the full checklist.

Part Six · 3 chaptersPaperwork & Protection

Wills, powers of attorney, joint accounts and probate, the money steps when someone dies — including a possible second $2,500 CPP death benefit — and the sixty-second scam defence.

The Master Key · 2 chapters + toolsYour Plan

The free checks that unlock almost everything, what changes with the fall budget and in 2027, the 2026 Numbers at a Glance, a key-dates calendar, a one-week plan, a worksheet and a phone directory.

Get the Complete Playbook — $32 CAD

By buying, you agree to our Terms & Disclaimer.

See exactly what you’re getting.

No fluff, no filler — the verified number, the exact action, and the trap to avoid. Two real pages from the Playbook:

Page 19: GIS traps and tricks
The GIS — traps & tricks that cost or save thousands
Page 52: The one-week plan
The one-week plan

What knowing this is worth.

One hour with a fee-only advisor
$200+
One missed benefit
$1,000s / year
The complete Playbook
$32 CAD

If the Playbook shows you even one thing you’re missing, it pays for itself many times over — and it’s built to show you several.

The numbers behind this book.

Eligible seniors not receiving the GIS, in the government’s last full count
1 in 10
In uncashed CRA cheques waiting to be claimed (July 2026)
$1.88 billion
The GIS for a single senior, tax-free
$1,138.90/mo

Those aren’t sales figures — they’re the government’s own, all cited in the book. The Playbook exists to move you out of those numbers.

What viewers say.

Real comments from viewers of the Robert Retires CA channel — the videos these books are based on.

★★★★★

“I had no idea I qualified for the GIS. That one section put real money back in our budget every month. I’m 77 and just learning this now.”

— Margaret T., 77
★★★★½

“The pension-splitting explanation alone saved us on our taxes this year. Nobody had ever spelled it out for us like this.”

— James R.
★★★★☆

“Finally someone explains OAS, CPP and the clawback in plain English without trying to sell me something. Thank you.”

— Linda S.

Who wrote these books.

Robert

Robert

Creator of the “Robert Retires CA” YouTube channel

Every week on my channel, I take one confusing rule about the CPP, OAS, the GIS or taxes and explain it in plain English — the way someone should have explained it to me.

And I kept getting the same messages from viewers: “Nobody ever told me this.” “I wish I’d known before it cost me.” So I put everything I cover into one place — every benefit, every form, every deadline — and checked every number for 2026.

There are no ads and no upsells inside the Playbook. It points you to free government programs, not more things to buy. My only goal is that you finally get what you already paid for across a lifetime of work.

— Robert
A second, different book

Start with your everyday money rights.

Nobody Told You This — Canadian edition

Nobody Told You This is a short, practical book about the rights you already have — with airlines, your bank card, your phone and TV company, your health plan, the funeral home and debt collectors. Each rule tells you what it can be worth, why nobody tells you, and the exact words to say — with a box for your own details.

  1. 01Up to $1,000 when your flight goes wrong
  2. 02Card fraud: the $50 limit — and often $0
  3. 03Cash a government cheque free — at any bank
  4. 04Your cellphone rights — and the fees now banned
  5. 05The $25 TV package and your internet rights
  6. 06The free referees most people never call
  7. 07Snowbirds: what your health card won’t pay abroad
  8. 08The free seat for the person who helps you
  9. 09The free credit check — and the freeze that stops fraud
  10. 10The eye exam your province already pays for
  11. 11Your rights at the funeral home
  12. 12The money a debt collector can’t touch

Plus 6 tools: a 5-minute money check · a one-page action list · a money-found tracker · a before-you-call checklist · a call log · cut-out wallet & fridge cards.

Two different books, no repeats. Nobody Told You This covers your everyday money rights. The Playbook covers the big systems — OAS, the GIS, the CPP, the CRA, care and your home — where the biggest money of retirement is decided.
Get Nobody Told You This — $12.99 CAD

By buying, you agree to our Terms & Disclaimer.

Side by side

Two books. Different topics.

Nobody Told You This$12.99 ROBERT’S PICKComplete Playbook$32
What it coversEveryday money rightsThe big systems
Length12 rules + 6 tools32 chapters · 57 pages
OAS & the CPP: when to start, the clawback✕✓
The GIS & provincial top-ups✕✓
CRA: seniors’ credits, pension splitting, RRIFs✕✓
Long-term care, drug plans & the dental plan✕✓
Property tax, Groceries benefit & lost money✕✓
Numbers at a Glance, calendar & one-week plan✕✓
Flights, card fraud, phone & TV bills✓✕
Snowbird cover, funerals & debt collectors✓✕
Best forEveryday rightsThe whole picture
Get it — $12.99 Get it — $32

Prices in Canadian dollars. By buying, you agree to our Terms & Disclaimer.

🔒 Secure checkout through Gumroad⚡ Instant download✓ One-time payment — no subscription

Digital products — instant-download PDFs you read on any phone, tablet, or computer; nothing is shipped. These are general educational guides, not financial, legal, or tax advice.

Your questions, answered.

What’s the difference between the two books?

They cover different topics. The Canadian Seniors’ Money Playbook ($32 CAD) is the complete 32-chapter guide to the big systems — OAS, the GIS, the CPP, the CRA, care and your home, in every province and territory — with every form, phone number and deadline, plus the Numbers at a Glance, calendar and one-week plan. Nobody Told You This ($12.99 CAD) is a short guide to 12 everyday money rights — flights, card fraud, government cheques, phone and TV bills, snowbird health cover, funerals, debt collectors and more — with a 5-minute money check, worksheets and cut-out cards.

Which one should I choose?

They’re two different books, so pick the one that matches your questions. For the biggest money of retirement — OAS, the GIS, the CPP, your taxes and protecting your home — choose the Playbook ($32). If your budget is smaller, or your questions are about flights, card fraud, phone bills, snowbird cover and funeral costs, start with Nobody Told You This ($12.99). You can add the other one any time — no topic appears in both.

Do the two books repeat each other?

No. Each book covers different topics, so if you get both, you’re never paying twice for the same chapter.

If I start with Nobody Told You This, can I get the Playbook later?

Yes, any time, right here at robertretires.com/ca.

Do I need to be good with computers?

Not at all. After you buy, you get a simple link to download your book as a PDF. You can read it on any phone, tablet, or computer — or print it at the kitchen table. If you can open an email, you can use this.

I already take my OAS and CPP. Is this still for me?

Yes — claiming is just part of one section. The Guaranteed Income Supplement, the Age Amount, pension income splitting, the TFSA and RRIF strategies, your provincial drug and property-tax breaks, and the care-and-home planning all apply no matter when you started your pensions.

Is this a subscription?

No. Each book is a one-time payment and yours to keep. Nothing is recurring.

Why is the Playbook only $32 CAD?

Because the people who need this most are living on fixed incomes. Nobody should have to pay hundreds for an hour with a professional just to learn what they’re already owed. $32 CAD keeps it within reach — and the book points you to free government help for everything else.

Will you call me or share my information?

Never. We only use your email to deliver your book and, if you’d like, to let you know when it’s updated. We never ask for your phone number, and we never sell your information to anyone.

Is this financial or legal advice?

No — it’s plain-English education to help you understand what you’re entitled to and what to ask. The rules vary by province and change over time, so always confirm your own situation with the official source or a qualified professional before acting. Every source is cited in the books.