I am not sure how RRSPs are similar to 401Ks, but the best thing I ever did was start a good 401K a long time ago, and whenever I need to borrow any money, I borrow from myself and pay very little interest (to myself). It's definitely the way to go IMO. I have purchased a home, two cars, and high school tuition using my 401K, and my employer simply takes out the payments from my cheque, I barely even notice it.
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