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@reddragon4444 Happy to see you continue to chime in here - this fundamental concept is lost in so many analyses I see and so many comments on reddit. Maybe I'm in a weird situation as I want to retire very early with no pensions, but I can 'create' MANY years with no other income, where I can...

@reddragon4444 Exactly. I haven't run into too many people on reddit that think of this the same way I have, but I brought my advisor around when I got him doing the math, so I don't think I'm completely missing the boat here. And to your wrap-up points....also exactly! When you reach the...

@shellyssaved No, sorry, that's false....in some if not many situations. edit: let me backtrack. It CAN be true, but I don't think it reflects the reality of most Canadians. It all depends on what you have as income in retirement. If you have the same employment income in retirement than...

@shellyssaved I disagree with the concept of "taking money out of your RRSP when your marginal tax rate would otherwise be zero" as being some weird and unusual concept. You need money in retirement. Some of the money you might have access to in retirement is not considered income. Your RRSP...

@shellyssaved I disagree. @reddragon4444 has it right, but it's difficult to explain...although it's easier if you consider retiring early without pensions or other income, which is exactly my situation. If I'm making $120K year (in Ontario for this simulation), and I pay $20K into my RRSP for...

@jamie73 No, we gloat when people lose meaningless middleman livelihoods.