031 | Tax Refunds, RRSPs, and the Plan Most Canadians Don't Have
Roughly 80% of Canadians get a tax refund every year, with the average sitting around $2,000. But getting a refund isn't free money — it means you overpaid the CRA and lent them your cash interest-free. This episode breaks down why that happens, how to stop it, and what to actually do with a refund when it lands. We also get into RRSP planning, the lump sum vs. monthly contribution debate, and why so many retirees end up resenting their RRSPs (hint: it's not the RRSP's fault). If you want your tax refund to do more than disappear into lifestyle spending, this one's worth a listen.
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