@calmmoneycoach: I Ran 3 Retirement Scenarios. The Tax Savings Were Wild. Same framework from the last video. Three completely different people. All modeled in a retirement planner with 2026 Ontario tax rates. Single person, $400K RRSP: lifetime tax saved $82,000. Terminal tax goes from $230K to zero. Couple, $800K combined: lifetime tax saved $181,000. Income splitting adds $14K when you pace it right. Couple with a DB pension, $500K RRSP: lifetime tax saved $129,000. The pension does not mean you skip the strategy. There is way more in the planner I did not get to in this video. Estate value, present value of taxes, what happens to the surviving spouse. Tell me in the comments what scenario you want to see next and where this gets confusing. Research: NIA, PWL Capital, CRA 2026 rates, ITA s.60.03 income splitting rules. All numbers from the Canadian Retirement Planner. #rrsp #retirementplanning #canadianfinance #rrspmeltdown

Brian | Calm Money Coach

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Saturday 07 March 2026 20:23:18 GMT