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five reasons why you should consider taking CPP at 60. we have a clear bias in our planning to try to delay CPP as much as possible but there are circumstances where its really worth considering taking CPP early even if theres a 36 percent reduction in what you will receive over your life reason number one theres a clear income need this could be because theres a change in circumstance maybe youre forced to retire early due to your own Health employment change or some unforeseen event in the family I know that it may not be your own health or your own retirement that causes this I know that a lot of you watching are part of a sandwich generation where youre responsible for your parents and your kids the CPP even if its a reduced amount can greatly support your financial need if youre forced to retire early before you plan on doing so reason number two because itll help you spend money this is a psychological item that I dont hear talked about often enough most people that we