@saralouben You save enough TFSA for 65-69 to claim max GIS. CPP will be subjected to GIS clawback, so once you take CPP at 70 your RRSP withdrawals won't matter when you factor GIS, as most of your GIS will be clawed back at that point anyways.
@melsha Almost nobody has a higher average tax rate at retirement than their marginal rate at time of contribution. RRSPs are still God-king compared to TFSAs if you immediately invest the tax credit.
@daniellea Exactly, thanks for this. We have some folks that make investment decisions based on feelings, rather than objective, academically-driven data.