I don't really get why RRSP contributions are limited to 18% of salary. That seems like a pretty regressive policy, on the whole; it means that people drawing large salaries are able to derive more benefit from the RRSP program than people with smaller salaries. It means, for instance, that no matter how thrifty I am, I can still only save a fraction of what someone with a larger salary is entitled to save in their RRSP. It's kind of aggravating, really.

Anyhow, mostly I'm just happy that I currently happen to have the means to be saving at all, even if it does make me feel even more like an impostor adult than usual. It's just that I'm so used to programs being weighted to help people with less income save as much as possible that I'm a bit thrown when a program doesn't seem to be structured with that end in mind.