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@2corinthians1114 It sounds like this debt is really stressing you out. If your RRSP will help you get out of this situation, then I think you should cash it out. $3700 isn't that bad of a hit and if it relieves your stress then I would definitely cash out. The $180 you're paying now, you will...

@armanqnthony Just wondering why you keep 50% in a chequing account? Unless your paying by debit over credit card? I keep my chequing account at a bare minimum since I use it for bills only and I get 0% for it.

@prodigalredeemed CRA has a list of approved tax services. If you find it there then it should be ok. I never heard of them though so I would look elsewhere. I didn't check the CRA site though for the one you're asking about.

@starchysocks For an absolute beginner, XEQT is a good fund. It's diversified and requires no work other than putting money in it.