Spousal RRSP if contributor is retiring earlier than myself
We have a spousal RRSP in which my husband is the contributor. He's planning to retire earlier (he'll be 55) than me so we will need to access that money. He will have a small work pension but no CPP or OAS until at least age 60. Regarding the three year attribution rule, should we contribute to it until he retires next year, therefore he will be taxed upon withdrawal and not me? Or should we not contribute to it (we didn't contribute to it last year)? Just trying to wrap my head around this. Thanks.