Pretty harsh Dante1969.  There is inequality in retirement saving incentives/benefits for self-employed professionals.  RRSP do not benefit high income professionals.  You argue that it doesn't matter once someone makes over 220K and they should have no benefits or incentives to save and build a nest-egg.  That is your perspective and I can't argue against it - you are a socialist and you despise anyone that has a greater income than you.  You may be shocked to know that many professionals that make this level of income are good people who are a benefit to the community.  They also deserve to retire someday and maintain a reasonable proportion of baseline income as all retirement strategies recommend and target.  When I see "sweat and effort equality" I will agree with you more.   As many greedy rich people you so despise there are an equal number of useless lazy people looking for handouts.  Maybe you are one of them I don't know - I will assume you are not.