@calmmoneycoach: The RDSP is the most misunderstood account in Canada. So much of the information out there is either outdated or flat out wrong. Here is how it actually works: ∙ Grant matching tiers (300%, 200%, 100%) and the income threshold ∙ The bond: up to $1,000/yr with zero contribution ∙ Lifetime caps most people don’t know about ∙ The clawback rule and why the 49-to-60 gap matters ∙ The 10-year carry-forward that could unlock $21,000+ in Year 1 ∙ What changed in 2021 and the QFM deadline in December 2026 Free RDSP guide: calmmoneycoach.kit.com/rdsp Save this. Send it to someone who might be eligible. #rdsp #disabilitytaxcredit #canadianfinance #PersonalFinance #financialplanning