If you’re married or in a common-law relationship, your RRSP strategy should never be individual — it should be planned as a couple. Here’s why. RRSPs are not just about saving tax today. They’re about controlling how you’ll be taxed in retirement. If one spouse earns significantly more, they’re usually in a higher tax bracket. That means RRSP contributions from the higher-income spouse create bigger tax savings. But here’s the smart move most couples miss: A Spousal RRSP. With a spousal RRSP, t