In this episode, Carlo and John talk about why RRSPs, despite being a core part of retirement planning, often end up causing more stress than peace of mind for many Canadians. They explain how taxes, forced RRIF withdrawals, Old Age Security clawbacks, and estate taxes can catch people off guard and make retirees afraid to spend their own savings. They share five practical ways to take control of your RRSP, including withdrawing more gradually, converting to a RRIF earlier on your own terms, using contributions strategically in high-income years, splitting income with a spouse, and slowly moving money into a TFSA using an RRSP meltdown strategy. By the end of the episode you will understand how these ideas work best when used together, helping you pay less tax, protect your benefits, and enjoy retirement with more confidence and less second-guessing. Question for our listeners: Have you ever looked at your RRSP balance and wondered how much of it is actually yours after tax, and how confident do you feel about turning it into income? If you would like guidance on building your Canadian retirement plan, please schedule a meeting here: Schedule your meeting. Follow us on our social channels:LinkedIn: The McClelland Financial GroupFacebook: https://www.facebook.com/tmfg.caInstagram: https://www.instagram.com/themcclellandfinancialgroup_/