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@eliiya Curious why you thought this wouldn't be possible.

@keyboardguy23 It's allright if all you want to do is go to work and go home, settle down in some suburb and raise kids. Sure. But if you're young and want to go out and do stuff, you can't find a worse place than Edmonton (Among major Canadian cities). Every other city is more exciting and fun...

@airamnire Edmonton kinda sucks, let's not deny that. Toronto is irrelevant to this conversation. PS, I was born and raised in Edmonton and it's a boring ass city. Even Ottawa, the city that gun forget, is infinitely more exciting.

@rbcooprs01 You can, but aside from the employer RRSP matching, you will literally never come out ahead by delaying the deduction. Literally never. It’s always better to take an immediate deduction, or use a non-reg account temporarily, then switch to RRSP with an immediate deduction.

@deangelo Only when you sell, which for most of us is 20-50 years away. It's not an annual event, unlike the robo advisors rebalancing mechanism.