This is a complex question as everyone is different. There is no right or wrong answer. The idea of contributing to your RRSP is to help defer your taxes when you're in a higher tax bracket to when you're in a lower tax bracket when you retire. You can also choose to contribute while you're in a lower tax bracket but not deduct it until you will be in a higher tax bracket in future years. Please see a tax professional to determine the best strategy for you.