Finance committee  There are about 9.4 million families of two or more people. Of those, about 672,000 are single male earners, and they have a median income of about $40,000. Income splitting won't do anything for them either, because they're already in the lower tax bracket. There is nowhere further for them to go.

Finance committee  Thank you, Mr. Chair and members of the committee, for your invitation. I am an assistant professor of political management at Kroeger College, Carleton University. My remarks today reflect my views based on my research on social policy and household financial behaviour. I'm going to touch on two areas of my research very briefly, household savings and financial literacy, and I'll make a very brief nod to the topic of income splitting.