Compare  what your CPP contributions would have added up to if they were invested over say 30 years at 5% a year   TO   how long it will take to get your OWN MONEY  back from CPP.

Lets say $50,000 in  CPP contributions over 30  years -  that could have easily grown to $150,000  if it was invested at 5% a year -  so how long will it take you to get back $150,000 in CPP payments  after taxes ?

In my case  25 years to get my own money back !!!

OK, so lets make it $120,000 -  that is till 20 years to get my own money back  !!!

Collect the CPP as early as you can so you can get your own money back.