Most Canadians treat RRSPs like a retirement silver bullet, and most are using them wrong.

In this episode, Tré explains why Registered Retirement Savings Plans (RRSPs) are powerful tools only when used strategically. He breaks down what RRSPs actually are, how they affect your taxes, and why the way most people use them could hurt their retirement.

This episode is essential if you’ve ever contributed just to get a tax refund — or if no one’s explained what happens when you take the money out.

You’ll learn:

• What RRSPs really are (and why “investing in an RRSP” is a myth)
• How RRSPs reduce your taxable income — and why that’s not always a good thing
• Why RRSPs work better for high earners and strong savers
• The common mistake that leaves retirees with less money than they expect
• How to align your RRSP strategy with your long-term goals

If you’re not good with money, RRSPs could make things worse. This episode explains why.

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