Eleven years ago, part of my financial enlightenment was realizing that there is a big disadvantage in maximizing my RRSP contributions. So I stopped contributing and let it stand pat. Those RRSP contributions went into gold and silver.
My Stack is actually worth more than my RRSP Account.
RE: Ready to Retire? Part 2, The RRIF Trap. 2015 $50 1 Troy oz. Gold Maple Leaf