Non-locked in. And I'm making 60K so yes, I will get hit a bit harder next year when I report the additional income. On top of that, I was planning to do a bit of work on the side this year to help pay off bills to the tune of ~15K, might not be worthwhile.
Believe me, I would love to transfer the money to a RRSP and let it sit for 1-2 years until I'm ready to buy a house. Right now I have a chunk of student loans remaining to pay off and a Line of Credit, dying to eliminate those and that's why I'm looking at withdrawing the cash.
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