There are cases where it could make sense to withdraw your RRSP before government benefits kick in. I explored some scenarios in this post.
Sometimes it is OK to not have an RRSP. In this post, I explored a few scenarios where the math makes sense.
I was recently tempted to go into the office but a quick mental math told me I would be spending close to $70 to do so. You should really consider commuting costs! Commuting impacts more than just your finances.
I did the math on buying a slightly cheaper home and I have some regret not doing this 5 years earlier. Check the numbers and see if that applies to you.
Is someone trying to sell you universal health insurance for your kids? An RESP will be way better and cheaper for them. Read the basics and how we use ours.