Just because you may have a pension, doesn’t mean you shouldn’t have an RRSP. You also should have a TFSA and your only financial goal should be to be out of debt by the time you retire.
If you have an emergency fund, do you have a plan on when you might use it? Simply having money sitting somewhere with no plan on when it should be used is really just a savings account.
An RRSP is simply a tax deferral savings program. It works best if you use it for your retirement, but that is the primary goal of it. You can’t use it like a TFSA, but it is not solely for your retirement.
The TFSA is a badly named program. It is Tax-Free, and you can save in it, but it is not only a savings account. Many banks are fooling you into thinking the program is a one savings account. It is not. Open a TFSA with a trading firm like Questrade, Directline or others.
Debt is simply borrowing money from your future self. I know it is not in vogue to say debt is a bad thing, but it is. Your first goal should be to deaden your debt load, the rest of the financial plan is gravy.