Black History Month – Honouring our Heroes: ‘I can only imagine the loneliness and culture shock she must have felt’
<p>October is Black History Month in the UK, widely regarded as one of the most prominent cultural celebrations of the year. This year’s theme is Reclaiming Narratives, a call to take control of the stories of Black history, and a reminder to take the time to honour our heroes and shine a light on the profound […]</p>
<p>The post <a href="https://www.ukyouth.org/2024/10/black-history-month-honouring-our-heroes-i-can-only-imagine-the-loneliness-and-culture-shock-she-must-have-felt/">Black History Month – Honouring our Heroes: ‘I can only imagine the loneliness and culture shock she must have felt’</a> appeared first on <a href="https://www.ukyouth.org">UK Youth</a>.</p>
October is Black History Month in the UK, widely regarded as one of the most prominent cultural celebrations of the year.
This year’s theme is Reclaiming Narratives, a call to take control of the stories of Black history, and a reminder to take the time to honour our heroes and shine a light on the profound impact of Black individuals.
UK Youth staff members have been Honouring their Heroes, by sharing which Black individuals have inspired them, had the biggest influence on their life, and who they look up to.
Oby Bamidele, interim chief operating officer, said: “Nelson Mandela is someone I have always been hugely inspired by. His perseverance in the face of extreme adversity, his grace, and his unwavering commitment to justice are qualities I continually draw from.
“Despite spending 27 years in prison, Mandela held a message of forgiveness, unity, and reconciliation, which I find remarkable.
“He wasn’t just fighting for freedom – he was fighting for healing and rebuilding a nation, which are great lessons in leadership and humanity.”
Nelson Mandela.
‘Biggest influence’
“My late mother, Philomena, has had the biggest influence on me. She moved from Nigeria to the UK at just 22 in the early 1960s to join my father, who was training to be a merchant seaman and travelled frequently for work.
“I can only imagine the loneliness and culture shock she must have felt, leaving her family behind and arriving in a cold, unfamiliar country, only to face racism and hostility. At that time, signs like “No Dogs, No Irish, No Blacks” were common, yet she persevered. Despite the immense challenges, she juggled her studies, worked, raised young children largely on her own, and even supported her family back in Nigeria.
She went on to earn qualifications in hotel and catering management and advanced in her career. Even after returning to Nigeria, she faced new challenges of patriarchy and sexism while raising six children, being a wife and balancing a demanding job. She never allowed the biases around her to hold her back.
“Her strength, ambition, and belief in her equality with men empowered her to speak out against injustices against women which meant she was misunderstood or judged. She instilled in me the values of independence, hard work, and the importance of advocating for myself.
“There are many women like my mother who are the backbone of their families and do everything in their power to pave a better way for their children. They may not be famous, but they are the fabric of our communities—the shoulders many of us stand on today.”
Oby Bamidele, UK Youth interim chief operating officer.
‘Shattered numerous glass ceilings’
I deeply admire Ngozi Okonjo-Iweala, the director general of the WTO. She has shattered numerous glass ceilings, not just as the first African and the first woman to lead the World Trade Organisation but also in her work on global economic policy. I love how she navigates international spaces with grace and authenticity while holding onto her identity and principles. She shows that leading on a global stage is possible without compromising who you are. Her career serves as a reminder that Black women belong in all spaces, no matter how high the stakes.
Ngozi Okonjo-Iweala, director-general of the World Trade Organization.
About UK Youth
UK Youth is a leading charity with a vision that all young people are equipped to thrive and empowered to contribute at every stage of their lives. With an open network of more than 9,000 youth organisations and nation partners; UK Youth reaches more than four million young people across the UK and is focused on unlocking youth work as the catalyst of change that is needed now more than ever. To find out more, visit ukyouth.org
<img src="https://www.mtlblog.com/media-library/olympic-symbol-with-1976-olympic-stadium-in-background-in-montreal-canada.jpg?id=60323047&width=1200&height=800&coordinates=132%2C0%2C132%2C0"/><br/><br/><p class="">Love it or hate it, Montreal is full of character.</p><p>But beyond its <a href="https://www.mtlblog.com/canadian-cities-european-travel" target="_blank">European vibes</a> and cobblestone streets, the city is also home to a few design choices that have sparked debate for decades. So we recently <a href="https://www.facebook.com/MTLBlog/posts/pfbid02XjmPuEQEbQajPmSPLYRbHYELcKXLPf6b4SV9GSKw6pMBeHHhf6LqKqLdqsaACaCMl" target="_blank">asked MTL Blog readers on Facebook: "What's the ugliest landmark in Montreal?</a>"</p><p>The answers came in hot, and not everyone held back. </p><p>With that in mind, here's what locals think our skyline can do without. </p><h3>Olympic Stadium</h3><br/><blockquote class="instagram-media" data-instgrm-permalink="https://www.instagram.com/p/CBO_B36g0tU/" data-instgrm-version="4" style="background:#FFF; border:0; border-radius:3px; box-shadow:0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width:658px; padding:0; width:99.375%; width:-webkit-calc(100% - 2px); width:calc(100% - 2px);">
<div style="padding:8px;">
<div style="background:#F8F8F8; line-height:0; margin-top:40px; padding:50% 0; text-align:center; width:100%;">
<div style="background:url(data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAACwAAAAsCAMAAAApWqozAAAAGFBMVEUiIiI9PT0eHh4gIB4hIBkcHBwcHBwcHBydr+JQAAAACHRSTlMABA4YHyQsM5jtaMwAAADfSURBVDjL7ZVBEgMhCAQBAf//42xcNbpAqakcM0ftUmFAAIBE81IqBJdS3lS6zs3bIpB9WED3YYXFPmHRfT8sgyrCP1x8uEUxLMzNWElFOYCV6mHWWwMzdPEKHlhLw7NWJqkHc4uIZphavDzA2JPzUDsBZziNae2S6owH8xPmX8G7zzgKEOPUoYHvGz1TBCxMkd3kwNVbU0gKHkx+iZILf77IofhrY1nYFnB/lQPb79drWOyJVa/DAvg9B/rLB4cC+Nqgdz/TvBbBnr6GBReqn/nRmDgaQEej7WhonozjF+Y2I/fZou/qAAAAAElFTkSuQmCC); display:block; height:44px; margin:0 auto -44px; position:relative; top:-22px; width:44px;">
</div>
</div>
<p style=" margin:8px 0 0 0; padding:0 4px;">
<a href="https://www.instagram.com/p/CBO_B36g0tU/" style=" color:#000; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:normal; line-height:17px; text-decoration:none; word-wrap:break-word;" target="_top">See on Instagram</a>
</p>
</div>
</blockquote><script async="" defer="" src="//platform.instagram.com/en_US/embeds.js"></script><p>This was by far the most common response we got. Built for the 1976 Summer Olympics, <a href="https://www.mtlblog.com/tag/montreal-olympic-stadium" target="_blank">the stadium</a> is infamous for its ballooning budget, years of delays, and a <a href="https://www.mtlblog.com/montreal-olympic-stadium-roof" target="_blank">retractable roof</a> that still doesn't work properly.</p><p>Among the top comments were descriptions like "toilet bowl," "money-sucking," and "ugly as hell."</p><p>The infamous "Big Owe" nickname was also thrown around quite a bit.</p><h3>The Montreal Forum</h3><br/><blockquote class="rm-embed twitter-tweet" data-partner="rebelmouse" data-twitter-tweet-id="1728219988673040634">
<div style="margin:1em 0"></div> — (@) <a href="https://twitter.com/StuCowan1/status/1728219988673040634"></a>
</blockquote>
<script async="" charset="utf-8" src="https://platform.twitter.com/widgets.js"></script><p>This Sainte-Catherine Street building was once the heart of hockey in Canada. The Canadiens played here from 1924 to 1996 and won most of their 24 Stanley Cups on its ice. Today, the old Forum is a movie theatre and entertainment complex, which some feel is a disrespectful downgrade.</p><p>One user wrote:</p><p> "The old Montreal Forum! It's a shame how much history and nostalgia is now a big black box that plays movies, offers comedy and pub fare. It should be the home of the NHL Hall of Fame. It looks depressing from the outside."</p><h3>Habitat 67</h3><br/><blockquote class="instagram-media" data-instgrm-permalink="https://www.instagram.com/p/DCfr7okusRL/" data-instgrm-version="4" style="background:#FFF; border:0; border-radius:3px; box-shadow:0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width:658px; padding:0; width:99.375%; width:-webkit-calc(100% - 2px); width:calc(100% - 2px);">
<div style="padding:8px;">
<div style="background:#F8F8F8; line-height:0; margin-top:40px; padding:50% 0; text-align:center; width:100%;">
<div style="background:url(data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAACwAAAAsCAMAAAApWqozAAAAGFBMVEUiIiI9PT0eHh4gIB4hIBkcHBwcHBwcHBydr+JQAAAACHRSTlMABA4YHyQsM5jtaMwAAADfSURBVDjL7ZVBEgMhCAQBAf//42xcNbpAqakcM0ftUmFAAIBE81IqBJdS3lS6zs3bIpB9WED3YYXFPmHRfT8sgyrCP1x8uEUxLMzNWElFOYCV6mHWWwMzdPEKHlhLw7NWJqkHc4uIZphavDzA2JPzUDsBZziNae2S6owH8xPmX8G7zzgKEOPUoYHvGz1TBCxMkd3kwNVbU0gKHkx+iZILf77IofhrY1nYFnB/lQPb79drWOyJVa/DAvg9B/rLB4cC+Nqgdz/TvBbBnr6GBReqn/nRmDgaQEej7WhonozjF+Y2I/fZou/qAAAAAElFTkSuQmCC); display:block; height:44px; margin:0 auto -44px; position:relative; top:-22px; width:44px;">
</div>
</div>
<p style=" margin:8px 0 0 0; padding:0 4px;">
<a href="https://www.instagram.com/p/DCfr7okusRL/" style=" color:#000; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:normal; line-height:17px; text-decoration:none; word-wrap:break-word;" target="_top">See on Instagram</a>
</p>
</div>
</blockquote><script async="" defer="" src="//platform.instagram.com/en_US/embeds.js"></script><p>Designed by architect Moshe Safdie for Expo 67, this brutalist housing complex was envisioned as a model for urban living. Its Lego-block design is famous around the world, and it's home to some of the city's most unique condos. </p><p>But not everyone is sold on the look, with several users dropping its name in the comments.</p><h3>Orange cones</h3><br/><blockquote class="instagram-media" data-instgrm-permalink="https://www.instagram.com/p/CHtKP0IDDwR/" data-instgrm-version="4" style="background:#FFF; border:0; border-radius:3px; box-shadow:0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width:658px; padding:0; width:99.375%; width:-webkit-calc(100% - 2px); width:calc(100% - 2px);">
<div style="padding:8px;">
<div style="background:#F8F8F8; line-height:0; margin-top:40px; padding:50% 0; text-align:center; width:100%;">
<div style="background:url(data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAACwAAAAsCAMAAAApWqozAAAAGFBMVEUiIiI9PT0eHh4gIB4hIBkcHBwcHBwcHBydr+JQAAAACHRSTlMABA4YHyQsM5jtaMwAAADfSURBVDjL7ZVBEgMhCAQBAf//42xcNbpAqakcM0ftUmFAAIBE81IqBJdS3lS6zs3bIpB9WED3YYXFPmHRfT8sgyrCP1x8uEUxLMzNWElFOYCV6mHWWwMzdPEKHlhLw7NWJqkHc4uIZphavDzA2JPzUDsBZziNae2S6owH8xPmX8G7zzgKEOPUoYHvGz1TBCxMkd3kwNVbU0gKHkx+iZILf77IofhrY1nYFnB/lQPb79drWOyJVa/DAvg9B/rLB4cC+Nqgdz/TvBbBnr6GBReqn/nRmDgaQEej7WhonozjF+Y2I/fZou/qAAAAAElFTkSuQmCC); display:block; height:44px; margin:0 auto -44px; position:relative; top:-22px; width:44px;">
</div>
</div>
<p style=" margin:8px 0 0 0; padding:0 4px;">
<a href="https://www.instagram.com/p/CHtKP0IDDwR/" style=" color:#000; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:normal; line-height:17px; text-decoration:none; word-wrap:break-word;" target="_top">See on Instagram</a>
</p>
</div>
</blockquote><script async="" defer="" src="//platform.instagram.com/en_US/embeds.js"></script><p>While not officially a landmark, Montreal's sea of orange cones have become an enduring symbol of the <a href="https://www.mtlblog.com/tag/montreal-construction" target="_blank">city's never-ending construction projects</a>. </p><p>As a result, multiple users were quick to angrily call them out.</p><h3>Ferris wheel scultpure</h3><br/><blockquote class="instagram-media" data-instgrm-permalink="https://www.instagram.com/p/Csl1eCXr0l4/" data-instgrm-version="4" style="background:#FFF; border:0; border-radius:3px; box-shadow:0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width:658px; padding:0; width:99.375%; width:-webkit-calc(100% - 2px); width:calc(100% - 2px);">
<div style="padding:8px;">
<div style="background:#F8F8F8; line-height:0; margin-top:40px; padding:50% 0; text-align:center; width:100%;">
<div style="background:url(data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAACwAAAAsCAMAAAApWqozAAAAGFBMVEUiIiI9PT0eHh4gIB4hIBkcHBwcHBwcHBydr+JQAAAACHRSTlMABA4YHyQsM5jtaMwAAADfSURBVDjL7ZVBEgMhCAQBAf//42xcNbpAqakcM0ftUmFAAIBE81IqBJdS3lS6zs3bIpB9WED3YYXFPmHRfT8sgyrCP1x8uEUxLMzNWElFOYCV6mHWWwMzdPEKHlhLw7NWJqkHc4uIZphavDzA2JPzUDsBZziNae2S6owH8xPmX8G7zzgKEOPUoYHvGz1TBCxMkd3kwNVbU0gKHkx+iZILf77IofhrY1nYFnB/lQPb79drWOyJVa/DAvg9B/rLB4cC+Nqgdz/TvBbBnr6GBReqn/nRmDgaQEej7WhonozjF+Y2I/fZou/qAAAAAElFTkSuQmCC); display:block; height:44px; margin:0 auto -44px; position:relative; top:-22px; width:44px;">
</div>
</div>
<p style=" margin:8px 0 0 0; padding:0 4px;">
<a href="https://www.instagram.com/p/Csl1eCXr0l4/" style=" color:#000; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:normal; line-height:17px; text-decoration:none; word-wrap:break-word;" target="_top">See on Instagram</a>
</p>
</div>
</blockquote><script async="" defer="" src="//platform.instagram.com/en_US/embeds.js"></script><p>Officially known as "La vélocité des lieux," this non-moving Ferris wheel sculpture in Montreal North is meant to be public art, but several locals called it out as more confusing than inspiring.</p><p>"It doesn't light up half the time!" one person noted.</p><p>Meanwhile, others pointed out its million-dollar price tag. Perhaps if it were actually functional, people wouldn't be so upset.</p><h3>The Farine Five Roses sign</h3><br/><blockquote class="instagram-media" data-instgrm-permalink="https://www.instagram.com/p/C9PgPfBMG76/" data-instgrm-version="4" style="background:#FFF; border:0; border-radius:3px; box-shadow:0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width:658px; padding:0; width:99.375%; width:-webkit-calc(100% - 2px); width:calc(100% - 2px);">
<div style="padding:8px;">
<div style="background:#F8F8F8; line-height:0; margin-top:40px; padding:50% 0; text-align:center; width:100%;">
<div style="background:url(data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAACwAAAAsCAMAAAApWqozAAAAGFBMVEUiIiI9PT0eHh4gIB4hIBkcHBwcHBwcHBydr+JQAAAACHRSTlMABA4YHyQsM5jtaMwAAADfSURBVDjL7ZVBEgMhCAQBAf//42xcNbpAqakcM0ftUmFAAIBE81IqBJdS3lS6zs3bIpB9WED3YYXFPmHRfT8sgyrCP1x8uEUxLMzNWElFOYCV6mHWWwMzdPEKHlhLw7NWJqkHc4uIZphavDzA2JPzUDsBZziNae2S6owH8xPmX8G7zzgKEOPUoYHvGz1TBCxMkd3kwNVbU0gKHkx+iZILf77IofhrY1nYFnB/lQPb79drWOyJVa/DAvg9B/rLB4cC+Nqgdz/TvBbBnr6GBReqn/nRmDgaQEej7WhonozjF+Y2I/fZou/qAAAAAElFTkSuQmCC); display:block; height:44px; margin:0 auto -44px; position:relative; top:-22px; width:44px;">
</div>
</div>
<p style=" margin:8px 0 0 0; padding:0 4px;">
<a href="https://www.instagram.com/p/C9PgPfBMG76/" style=" color:#000; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:normal; line-height:17px; text-decoration:none; word-wrap:break-word;" target="_top">See on Instagram</a>
</p>
</div>
</blockquote><script async="" defer="" src="//platform.instagram.com/en_US/embeds.js"></script><p>An iconic neon relic above the Lachine Canal, this vintage flour mill sign has long been a favourite of photographers. But even though <a href="https://www.mtlblog.com/montreal-farine-five-roses-sign-change" target="_blank">the Farine Five Roses sign</a> has been a part of the Montreal skyline since 1948, not everyone's convinced.</p><p>"Hot take, but the Five Roses sign," said one user. "I worked in a photo lab and you would not believe the amount of people who photograph it and get it printed, thinking they're being original."</p><h3>The Ring (Place Ville Marie)</h3><br/><blockquote class="instagram-media" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/CyJQJf1A6tY/" data-instgrm-version="4" style="background:#FFF; border:0; border-radius:3px; box-shadow:0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width:658px; padding:0; width:99.375%; width:-webkit-calc(100% - 2px); width:calc(100% - 2px);">
<div style="padding:8px;">
<div style="background:#F8F8F8; line-height:0; margin-top:40px; padding:50% 0; text-align:center; width:100%;">
<div style="background:url(data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAACwAAAAsCAMAAAApWqozAAAAGFBMVEUiIiI9PT0eHh4gIB4hIBkcHBwcHBwcHBydr+JQAAAACHRSTlMABA4YHyQsM5jtaMwAAADfSURBVDjL7ZVBEgMhCAQBAf//42xcNbpAqakcM0ftUmFAAIBE81IqBJdS3lS6zs3bIpB9WED3YYXFPmHRfT8sgyrCP1x8uEUxLMzNWElFOYCV6mHWWwMzdPEKHlhLw7NWJqkHc4uIZphavDzA2JPzUDsBZziNae2S6owH8xPmX8G7zzgKEOPUoYHvGz1TBCxMkd3kwNVbU0gKHkx+iZILf77IofhrY1nYFnB/lQPb79drWOyJVa/DAvg9B/rLB4cC+Nqgdz/TvBbBnr6GBReqn/nRmDgaQEej7WhonozjF+Y2I/fZou/qAAAAAElFTkSuQmCC); display:block; height:44px; margin:0 auto -44px; position:relative; top:-22px; width:44px;">
</div>
</div>
<p style=" margin:8px 0 0 0; padding:0 4px;">
<a href="https://www.instagram.com/p/CyJQJf1A6tY/" style=" color:#000; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:normal; line-height:17px; text-decoration:none; word-wrap:break-word;" target="_top">See on Instagram</a>
</p>
</div>
</blockquote><script async="" defer="" src="//platform.instagram.com/en_US/embeds.js"></script><p>Installed in 2022 at a cost of roughly $5 million, The Ring is a giant steel loop floating above PVM. Meant to symbolize unity, it <a href="https://www.mtlblog.com/montreal/montreals-giant-ring-is-being-compared-to-a-certain-sex-toy-among-other-things" target="_blank">became meme material almost instantly</a>.</p><p>That sentiment remains.</p><p>"That big useless circle at Place Ville Marie," one user said. A few even referred to it as a giant "c*ck ring."</p>
<img src="https://www.mtlblog.com/media-library/canadian-money-and-a-calculator.jpg?id=56281537&width=2000&height=1500&coordinates=26%2C0%2C27%2C0"/><br/><br/><p><a href="https://www.mtlblog.com/tag/quebec-tax" target="_blank">Tax season</a> is creeping up fast, and if you're looking to maximize your <a href="https://www.mtlblog.com/cra-tax-return-2024-whats-new" target="_blank">2024 tax return</a>, there's one more move you might want to consider before it's too late — making an RRSP contribution. </p><p>The RRSP contribution deadline for the 2024 tax year is March 3, 2025, and any contributions you make by then could help lower your taxable income and boost your refund when you <a href="https://www.mtlblog.com/simplefile-cra-automatic-tax-filing-quebec" target="_blank">file your taxes this year</a>. </p><p>With the <a href="https://www.mtlblog.com/cra-netfile-free-tax-filing-online-quebec" target="_blank">Canada Revenue Agency</a> allowing tax deductions for eligible RRSP contributions, this could be a smart way to reduce what you owe on your income tax — or even score a bigger refund.</p><p>But how does an RRSP actually work, and how much should you contribute? If you're not entirely sure, <a href="https://www.mtlblog.com/cra-tax-tips-first-time-filing-students-newcomers" target="_blank">you're not alone</a>. Many Canadians are still figuring out the ins and outs of RRSPs — from contribution limits to tax benefits to the best times to contribute. </p><p>So, let's break it down in simple terms and answer some of the most common questions before the 2024 RRSP contribution deadline sneaks up on you.</p><h3>How do RRSPs work?</h3><br/><p>A Registered Retirement Savings Plan (RRSP) is a tax-deferred savings account that helps you save for your retirement while reducing your taxable income today. Any money you contribute to your RRSP is deducted from your taxable income for that year, which means you could pay less in taxes now. Plus, the money inside your RRSP grows tax-free until you withdraw it.</p><p>However, when you eventually withdraw from your RRSP, the amount you take out is taxed as income. The idea is that you'll be in a lower <a href="https://www.mtlblog.com/revenu-quebec-cra-income-tax-brackets-2025" target="_blank">tax bracket</a> by the time you go to withdraw from your RRSP because you won't be earning your working income anymore, so the tax you'll pay on it will be lower than it is now.</p><p><a href="https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/registered-retirement-savings-plan-rrsp.html" target="_blank">More about RRSPs</a></p><h3>Are RRSP contributions tax deductible?</h3><br/><p>Yes! Any contributions you make to your RRSP before the RRSP contribution deadline can be deducted from your taxable income for that year when filing your tax return. This means you'll be taxed on a lower income, which can either reduce the amount you owe or increase your refund.</p><p>For example, if you earned $80,000 and contributed $10,000 to your RRSP, your taxable income would be reduced to $70,000 — meaning you'd pay taxes on that lower amount instead.</p><p>Keep in mind, though, that RRSP contributions aren't tax-<em>free</em>. You'll still have to pay tax on that money later when you withdraw it — you're just deferring the taxable income to later in life when (ideally) you'll be in a lower tax bracket.</p><p><a href="https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/contributing-a-rrsp-prpp/claim-your-rrsp-prpp-contributions-on-your-tax-return.html" target="_blank">More about claiming RRSP contributions</a></p><h3>How much should I contribute to my RRSP?</h3><br/><p> Your RRSP contribution limit depends on your income. For 2024, the maximum amount you can contribute is 18% of your earned income from the previous year, up to a limit of $31,560.
</p><p> If you haven't used up your RRSP contribution room in past years, unused contribution room carries forward, meaning you could contribute more than this year's limit if you haven't maxed out in previous years. </p><p><a href="https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/contributing-a-rrsp-prpp.html" target="_blank">More about RRSP contributions</a></p><h3>Where to find RRSP contribution limit</h3><br/><p>Your RRSP contribution limit — otherwise known as your "RRSP deduction limit," because it's the maximum amount you can deduct from your taxable income — can be found in your CRA My Account or on your latest Notice of Assessment.</p><p>If you don't have either of those, you can also call the CRA's automated <a href="https://www.canada.ca/en/revenue-agency/services/e-services/tax-information-phone-service-tips.html" target="_blank">Tax Information Phone Service (TIPS)</a> at 1-800-267-6999 or their Individual Tax Enquiries Line at 1-800-959-8281.</p><p><a href="https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/contributing-a-rrsp-prpp.html" rel="noopener noreferrer" target="_blank">More about RRSP contribution limits</a></p><h3>When is the last day to contribute to an RRSP?</h3><br/><p>The RRSP contribution deadline for the 2024 tax season is<strong> <strong>March</strong></strong><strong> 3, 2025</strong>. Any contributions made between March 1, 2024, and March 3, 2025, can be claimed as a deduction on your 2024 tax return.</p><p>If you miss this deadline, don't panic! Your contribution will still go into your RRSP account, but you'll just have to wait until next year's tax return to claim the deduction.</p><h3>Does RRSP contribution room carry forward?</h3><br/><p>Yes! If you don't contribute the full amount you're allowed in a given year, your unused RRSP contribution room carries forward indefinitely. This means you can catch up on contributions in future years, which can be helpful if you expect to be in a higher tax bracket later on.</p><p>Keep in mind that if you make a withdrawal (other than under the Home Buyers' Plan or Lifelong Learning Plan), you won't get that contribution room back.</p><p><a href="https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/contributing-a-rrsp-prpp/contributions-affect-your-rrsp-prpp-deduction-limit.html" target="_blank">More about RRSP contribution limits</a></p><h3>When can you withdraw from an RRSP?</h3><br/><p>You can withdraw from your RRSP at any time as long as your plan isn't locked in, but there's a catch — withdrawals are taxable as income in the year you take them out, and your financial institution will apply a withholding tax (basically a prepayment on the estimated income tax you'll owe) when you make a withdrawal.</p><p>The RRSP withholding tax rate depends on how much you withdraw. Here are the combined (federal and provincial) rates for Quebec:</p><ul><li>Up to $5,000: <strong>19%</strong></li><li>Over $5,000 and up to $15,000: <strong>24%</strong></li><li>Over $15,000: <strong>29%</strong></li></ul><p>However, there are exceptions! Under the <a href="https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/what-home-buyers-plan.html" target="_blank">Home Buyers' Plan</a> (HBP) and <a href="https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/lifelong-learning-plan.html" target="_blank">Lifelong Learning Plan</a> (LLP), you can withdraw funds without immediate tax penalties (including withholding tax), as long as you repay them over time.</p><p>By the end of the year you turn 71, if you still have money in your RRSP, you'll need to <a href="https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/rrsp-options-when-you-turn-71.html" target="_blank">withdraw or transfer it</a>.</p><p><a href="https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/making-withdrawals.html" target="_blank">More about RRSP withdrawals</a></p><h3>What is a spousal RRSP?</h3><br/><p>A spousal RRSP allows a higher-earning spouse to contribute to an RRSP in their partner's name. This allows the contributor to get a tax deduction now, while the withdrawals in retirement are taxed in the lower-income spouse's name, potentially reducing the couple's overall tax burden.</p><p><a href="https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/setting-rrsp.html" target="_blank">More about spousal RRSPs</a></p><h3>RRSP vs TFSA: What's the difference?</h3><br/><p>An RRSP is tax-deferred — it's great for reducing your taxable income now, but withdrawals in retirement are taxed, including any interest your contributions earn over the years. </p><p>A Tax-Free Savings Account (TFSA), on the other hand, doesn't give you a tax deduction when you contribute, but withdrawals are completely tax-free. This means if you invest your TFSA and it grows, you won't need to pay income tax on the interest.</p><p>Both accounts are great options for long-term savings, but RRSPs are generally best if you're in a <a href="https://www.mtlblog.com/revenu-quebec-cra-income-tax-brackets-2025" target="_blank">high tax bracket</a> now and expect to be in a lower one when you withdraw the funds, while TFSAs are better if you want tax-free access to your savings anytime.</p><p><a href="https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/tax-free-savings-account.html" target="_blank">More about TFSAs</a></p><p class="">With the RRSP deadline right around the corner, now's the time to check your contribution limit, crunch the numbers and decide if making a last-minute contribution is right for you. </p><p>Whether you're looking to maximize your tax refund or just get ahead on retirement savings, an RRSP could be a valuable tool in helping you achieve your financial goals — just don't wait too long to decide!</p><em>Love this? Check out our <a href="https://www.mtlblog.com/notices/" target="_blank">MTL Blog noticeboard</a> for details on jobs, benefits, travel info and more!</em>
<em>AI tools may have been used to support the creation or distribution of this content; however, it has been carefully edited and fact-checked by a member of MTL Blog's Editorial team. For more information on our use of AI, please visit our <a href="https://www.mtlblog.com/editorial-standards" target="_blank">Editorial Standards page</a>.</em>