Image source: Getty Images Canadians who are 10 to 20 years away from retirement should have interest in their financial futures already. Time flies so fast that you need to have a dynamic strategy to secure your financial well-being in the golden years. Many retirees profess that relying on the Canada Pension Plan (CPP) and Old Age Security (OAS) alone will not provide the quality of life you deserve. The pensions are partial replacements to the average pre-retirement income. Besides, there’s a greater life expectancy now (82.66 years for 2021). Your retirement years may last 20 years or more. When the clock is ticking, it’s time to get serious about retirement planning and not to coast. While it appears impossible, there are actionable steps that could help you retire in 10 to 20 years from now.