Investing in a TFSA in low income years will provide a real benefit in retirement. (tsinetwork.ca)
Part of the appeal of RRSPs and DC pensions is to make contributions during high income years and take withdrawals during low income years — not the other way around! (moneysense.ca)
Note that whether or not a person ever intends to do any no - tax backdoor Roth conversions, low income years provide any traditional IRA account holder with an opportunity to do a lower tax Roth conversion. (thecollegeinvestor.com)