You should always be saving in RRSPs. There is absolutely no guarantee that the pension fund will have anything left in it by the time you retire. This is especially true now thanks to the gig economy, which does not contribute to this fund. If you have a disability, you need to look at RRDP plans that will double your contributions. If you are healthy, then you will need to look at a 401K that your employer might offer. All of these plans will help you start to naturally put aside income that is in some sense passive.
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