1. When you buy RRSP your Canada Child tax benefits increases to along with increase of refund
2. If you buy RRSP today and after 3 Years you file bankruptcy your RRSP balance is safe no body can touch it
3. Your should wait to buy RRSP until time you sell house and get big capital gain and have to pay lot of taxes or you get sovereign pay and your T4 become too big in one small year.