u/Imaginary_Section24

Wtf is taking so long to release these class times and the profs. I need to see if i can drop some courses in the second semester bruh 😞

So basically the title.. I was scheduled to be on co op this summer but never really found anything throughout my job search for the past 8 months. However, I just got an email from an employer offering me a position that would be starting next week and be fulfilling my co op term requirement. However this means I would need to drop my classes and since I already paid the minimum registration fee I'm hesitant to do so.

On one hand finding a co op is already hard enough currently with the market and I may not find something soon again, on the other hand is the lost fees (that I wouldnt get from the refund) worth it to take the job?

I'm up for a couple positions for the fall but haven't heard back yet and the employer wants to know EOD today. Does anyone have any insights on what i should do?

M21 and have been Investing since 14 and have been funding my investments through my co op income and payments I’ve been getting as a result of a personal issue.

I have already maxed out my TFSA and FHSA and have approx about 10k in contribution room for an RRSP due to a 8 month co op I did last year. My question is with only 10k in contribution room should I be waiting to use the room or should I just do it now?

To my understanding I can defer tax deductions from RRSP contributions to future fiscal years but with my graduation at least 18 months out and with minimal income in the near future I’m wondering if it makes sense to just hold off until I actually get a stable full time income.

My parents said that I should hold off since it makes things complicated doing it now and just either hold the money or put it into my self directed taxable accounts.

I’m in a fortunate spot where my expenses paid out by myself are minimal so I’m just wondering if anyone has any advice/thoughts on actions I should take.