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Taylor...I wish I could thank you 10 times...
You're right..a lot of people don't have extra income to put in an RRSP...
A lot of people who take advantage use it as a tax shelter..
And some people (like me) are too lazy so I'm just postponing it...
It would be awesome if CPP rates are individualized...and more people will contribute if they know their CPP payments will be reduced
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