Here are a few circumstances when it makes sense to avoid RRSPs.

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  • You earn a low income. If you earn less than $35,000 annually you should forgo RRSPs altogether. In retirement, withdrawals from RRSPs and RRIFs can lead to claw backs of Old Age Security and other government programs like the Guaranteed Income Supplement. “The lower your income, the more likely you’ll be a recipient of these government income-tested benefits in retirement. You don’t want to mess with that.”

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