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Consider using a Social Security claiming calculator or talking with a financial planner to determine the best strategy for your individual situation.

State planners don’t see a turnaround in the offing, either.

Victoria Hills, chief executive of the Royal Town Planning Institute, said: "These latest figures show that developers are submitting fewer applications, significantly limiting the number of projects that planners can approve."

Bobbi Rebell, a certified financial planner and the author of several personal finance books, said in the absence of the CFPB’s enforcement authority, consumers could benefit from “being their own advocate.”

Once complete, it will be one of three warehouses there, but neighbours say planners could never truly have envisaged just how big it would be.