RRSP is a tax bomb waiting for most if left to retirement.   I believe that years from now when I....or if I ever retire the RRSP will become a liability of tax ruination.   The current gov forcasts deficits out to 2055.. and they are already talking about taxing peoples dental/health benefits!    The tax rates in the future will go up to pay for gov services the public demands, but the majority of taxes will go to pay for debt interest payments affecting other programs.  Nonetheless brackets will go up , claw backs will increase, and a future gov will probably even gut TFSA's and dividend % as well.