Forced savings or automated saving systems are the best way to make sure you are saving enough money for future needs (like retirement). You need to hide money from your present self to help your future self thrive.
Given it is that time of the year again, you are looking at your RRSPs, so maybe it is time to rebalance those accounts? Especially if they are Index Funds.
Don’t be afraid to live with your parents? What if your parents (who love you) don’t want you to move back in with them? Ever thought of that?
It is that time of the year where the argument about RRSP or TFSA starts. How about RRSP then TFSA as a possible solution? If you can do both without incurring debt, you are doing quite well.
When you talk to an investment person, do you feel like you are at an RRSP Bingo game? I have a card to help you out at these meetings.