Brian Orlando

When you start thinking about shelters over time and 1% drag of cost over the years and what that adds up to, again, it's like we're fighting for 1% or 2% gains or benefits or optimizing in these different accounts.

And just by using a tax shelter compared to non-register, you're saving so much over time.

I can't, no.

Yeah, I've found even just putting out a video on paying yourself salary from a corp versus dividends, there's such a debate around that because you can dodge some, you dodge CPP if you pay out dividends.

There's a little bit lower tax.

You end up with a little bit more cash in your pocket right now if you pay dividends from your corp.

But you're not creating that shelter space, not creating that contribution room in your RRSP.

And you can get the refund from that as well.

And people online are so negative, I find, on the RRSP.

It's crazy.

It is.

Totally.

And I think getting financial planning help in retirement, it is kind of confusing, like with LIRAs and pension plans, like there's so many different plans out there.

A lot of them do have different rules depending on the provider and everything like that.

But RRSPs, you really can kind of keep it simple, even under a do-it-yourself methodology of like,

just doing a basic meltdown strategy as soon as you retire in your low-income years, start pulling out as soon as possible, keeping it simple.

If you want to start stuffing your TFSA, that's a great strategy as well, especially with the estate planning side.

But really, you have so much time.

And when you think about the tax brackets too, what you can pull out just from 65 to 70, if you defer CPP and OAS, you're pulling out almost 15K a year tax-free actually from the RRSP.

It's