2019  2016  2013  2010  2007  2004  2001  1998  0  1995  2  2019  4  Jan.  2016  Jan.  6  2013  8  Less than HS degree  2010  10  High school degree  2007  12  Some college  2004  14  Bachelor's degree  2001  White Hispanic Asian Black  16  18 16 14 12 10 8 6 4 2 0  1998  18  1995  Percent  Figure 3.
The stakes are high: Bank of Canada calculations show that in the absence of any adjustments, the average incomes of Canadians could be as much as 20 per cent lower in 20 years than they would otherwise be without aging (Chart 7).