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We love talking about the RRSP tax refund. But the math behind RRSPs assumes you reinvest that refund. That’s the part most people skip. If the refund gets spent on #liabilities, the compounding breaks. The real advantage comes when: • your RRSP grows tax-deferred, and • your refund gets reinvested and grows #tax-free (often in a TFSA) Without reinvesting the #refund, an RRSP can quietly underperform a TFSA. And that rarely gets mentioned. Personally, I funnel #RRSP refunds into my #TFSA, let it
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