As a recent grad my income is lower now than it will ever again be in the future, even after retirement. So is it a good idea to be maxing out my RRSP at this point in my life? If I put money in my RRSP now and then take it out after I retire when I'll probably be in a higher tax bracket, won't I be increasing the amount of tax I pay over my lifetime, which is the exact opposite of what an RRSP is intended for? Now that my student loan is finally paid off I'm saving about $1500/month. Would it be better to just put my money in a regular non-registered account instead of an RRSP (after maxing out my TFSA of course)?