I’m not sure that it meant to do so, but when the Canadian government created the Canadian Child Benefit, it really gave an incentive to parents who were considering early retirement, or early-partial retirement, to pull the trigger.
The problem with that is what is called Sequence of Returns (SOR) risk. That is, the risk that even though you average 8% (or whatever) returns over your retirement, if the crummy returns show up early, the combination of bad returns and portfolio withdrawals will cause you to run out ...