@dareldsmeme yes this is the most important part,
you put in at your marginal rate
you pull out at a smear of rates, which is the average/effective tax rate
even better if you pull out before collecting cpp/oas, since then a good portion of it is 0% tax, then 20% then ....
even better contribute to personal and spousal so they are equally matched to withdraw reasonable amount from each in those pre-cpp/oas years
no question RRSP is better than TFSA if your marginal rate is anywhere > 25%
so when working put in mostly @ 53% though doesn't really matter if if was 30%
will put out mostly from 57-70 @ < 10% average tax rate,
then sure will go up after 70 when collecting a base of oas/cpp
still of course fill up TFSA every year too, but don't really plan on ever touching that.