Hi Independentlypoor - good post, but Adrian is full of the unmentionable doo doo.

Once your money is in an RRSP, and more so in a RRIF, you have effectively given control over those funds to the boys and girls at the CRA - manly due to the mandated withdrawal percentages.

The more you have in the RRSP/RRIF the higher the probability that you will end up paying more in taxes than the taxes you saved at the time you made your original RRSP deposits.

The house always wins.