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How to Use a Spousal RRSP to Save Thousands in Retirement (2026 Guide)

  Published: April 2026 | Reading time: 10 min | Category: Retirement, Tax Savings, Personal Finance Most Canadian couples are leaving thousands of dollars on the table every single year by not using a spousal RRSP. It's one of the most powerful — and most underused — income-splitting strategies available to Canadians, and it's completely legal, fully endorsed by CRA, and available to almost every married or common-law couple in the country. If one spouse earns significantly more than the other, a spousal RRSP can save your household $5,000–$15,000 or more in lifetime taxes. This guide explains exactly how it works, who benefits most, and the rules you need to know to do it correctly. What Is a Spousal RRSP? A spousal RRSP is a Registered Retirement Savings Plan where one spouse (the contributor ) makes contributions, but the account is owned and will eventually be withdrawn by the other spouse (the annuitant ). The key mechanics: The contributing spouse gets the ...
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International Women’s Day 2024: Celebrating #InspireInclusion

 

On March 8, 2024, we commemorate International Women’s Day, a global event that recognizes the achievements, contributions, and resilience of women across the world. This year’s theme, #InspireInclusion, calls for action to break down barriers, challenge stereotypes, and create environments where all women are valued and respected.

What Is #InspireInclusion?

  • #InspireInclusion encourages everyone to recognize the unique perspectives and contributions of women from all walks of life, including those from marginalized communities. It’s about fostering a sense of belonging, relevance, and empowerment for women everywhere.
  • By inspiring others to understand and value women’s inclusion, we forge a better world. When women themselves feel included, they experience a profound sense of belonging and empowerment.

How Can You Participate?

  1. Share Your #InspireInclusion Photos and Messages: Join the movement by posting your photos and messages that celebrate women’s diverse voices, achievements, and stories. Use the hashtag #InspireInclusion to amplify the message.
  2. Challenge Stereotypes: Engage in conversations that challenge stereotypes and biases. Advocate for equal opportunities and representation.
  3. Support Women Year-Round: While International Women’s Day is a powerful moment, let’s remember that supporting women is an ongoing commitment. Be an ally, mentor, or advocate throughout the year.

Let’s celebrate the women who inspire us, honor their resilience, and work collectively to create a world where every woman’s voice matters. Happy International Women’s Day!


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