Show Notes
This episode is a deep dive into one of the most misunderstood investment vehicles in Canada — the RRSP. Whether you've been told to avoid them or told they're the holy grail of retirement savings, the truth is nuanced, and it all comes down to your income, your stage of life, and your strategy. Key Topics: What an RRSP actually is — and how it differs from a tax elimination tool (spoiler: it's not one)
Who benefits most from contributing to an RRSP (hint: if you're earning $90K+, pay attention)
The biggest mistake people make when withdrawing — the lump sum trap
How to build wealth inside your RRSP beyond just "parking it in cash"
Spousal RRSP contributions and how couples can use income-splitting to their advantage
Why your tax refund is your secret weapon — and what we did with ours (Barbados, twice — no regrets)
The TFSA, RESP, and the newer FHSA: how to think about all three buckets together
What happens at age 71 when your RRSP must convert to a RRIF — and why you want to plan for this before it happens
The RRSP meltdown strategy: how to draw down intentionally so you're not hit with a massive, avoidable tax bill
Why you need to talk to your advisor more than once a year — and what life changes should trigger that call immediately
Let's dive in! Thank you for joining us today. If you could rate, review & subscribe, it would mean the world to me! While you're at it, take a screenshot and tag me @jennpike to share on Instagram – I'll re-share that baby out to the community & once a month I'll be doing a draw from those re-shares and send the winner something special! Click here to listen: Apple Podcasts – CLICK HERE Spotify – CLICK HERE
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