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Spousal
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Proyección: ~$8,000 en 2026 usando RRSP FHSA. RRSP = aporto y bajo mi ingreso imponible. FHSA = aporta y deduce; las ganancias no pagan si es para la primera vivienda. Empecé en 2025 ya en Canadá. Si esto te sirve y tienes dudas, déjalas en los comentarios y con gusto respondo. (No es asesoría; varía por ingresos y provincia.) #RRSP #FHSA #ImpuestosCanada #finanzaspersonales #VivirEnCanada
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Did you know that CRA/ IRS can take half of your RRSP'S or 401K? When you die and you don't have a surviving spouse or common law partner, the full amount is a deemed disposition the day prior to your death, meaning the government deems you have sold it. The full amount is added to your final tax return and taxed as income which could push your tax rate past 50% and depending on how much you had, could result in half going to CRA or the IRS. So while you received tax
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