Mr. Speaker, it is important to understand that, in our society, there are ordinary folks who do not even have the money to contribute to an RRSP each year. They are unable to put money into a TFSA, as the government suggests, to save money. These people are earning salaries of $28,000, $30,000 or $35,000 a year. Some of them have spouses and some have children.
These salaries are below or close to middle-class wages. These people really do not have money to invest. The gap between the rich and poor continues to grow. They cannot even make ends meet, let alone get caught up. I do not understand how the government can think that people will be able to save and invest in a pension plan if the employer and the public purse do not contribute to it.