Let ' s take a step back . How do you know your max is $ 25 K ? did you check on the CRA website or your notice of assessment ? How much to deduct , let ' s say you do get a raise in 2017 to $ 65 K 15 %. Right now it seems you are getting back 17 % of what you deduct . Not a huge amount to benefit from now . TFSA is likely best now . IF TFSA is maxed . Then I really don ' t recomend putting the money into your RRSP if your intentions are to put it into a HISA <| sep |> Not sure if literacy skills are not on fleek or never read 1984 <| sep |> Ween saved my life . <| sep |> Bosses outside the DZ . <| sep |> Enjoy your time with your family . Sorry to hear about your loss . <| sep |> Then why not add it to the list above ? <| sep |> Great Review ! !!! Glad you feel the same way as I did about the Aruba Batch ! !!!! JSL is The Man ! !!!