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@christian_bibin That might be the case for some. But I know for a fact that my parents believed that RRSPs had nothing to do with taxes at contribution. I don't know how that got so messed up. They also have weird ideas about how RESPs work, and that's why they saved nothing for my education...

@dioxide1410 I know growing up my parents always warned me not to use RRSPs (and this was before the invention of the TFSA so that was all we had). They'd tell me: I heard that until was over 20 years old and looked into it myself. Even now, when I've tried to talk to them about how it...