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@dserpa retiring at 45 would leave me with a pretty puny pension, at least in the federal government system.

@mtainmn43 TL;DR, my income in retirement may be greater than it is now due to pension and income gains in the future--and therefore I dont have much incentive to contribute to RRSPs My problem with using RRSPs, (and I am welcome for critique) is that I am a federal gov't employee with a great...