The current Liberal government is anti savers and risk takers. Can't wait too see how they rip us off again in Moreau's next budget. My wife and I started our RRSPs in our early twenties and maxed our contributions every year. Thank God we did as now at retirement, we have enough money to enjoy our golden years. We did the same with TFSA and now have a sizeable emergency pool of money free from tax. With our current government, it is tax and SPEND big while running up huge deficits that our children will be paying for.