Money coach Janet Gray from Money Coaches Canada joins Your Morning Ottawa to break down a recent BMO survey suggesting Canadian couples need $1.7 million for retirement. Gray challenges this "one-size-fits-all" figure, explaining the three pillars of retirement income: Public (CPP/OAS), Private (Employer Pensions), and Personal (RRSPs/TFSAs). The segment provides a realistic look at monthly government benefits, the impact of taxation on pension income, and why a personalized 10-year planning window is more effective than chasing a specific net-worth target.