My work is offering a 4% RRSP match and I’m torn. Should I shrink my paycheques?

When your employer offers to put extra money toward your retirement through a group RRSP match, it can feel like a rare workplace win. A guaranteed contribution of up to 4% of your salary is essentially free money, a perk many Canadians never see on their paycheques. Still, saying yes means choosing how much you want to contribute yourself and whether smaller paycheques will feel manageable in a high cost of living environment. It is a generous offer, but it also raises a fair question: Is now the right time to take it?

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