I am at lean FIRE stage - I have RRSP, LIRA, TFSA and Non-Reg. I have about 46k room to max RRSP however leaving Canada permanently at the end of this year. I have not worked over the last year and not anticipating too much work in future. My thinking is not to top up that 46k from Non-Reg account as it will be subject to 15% withholding tax as Non resident. Is my thinking on right for this thought or am I missing something?

Curious if anyone has applied for citizenship by descent from the Toronto Consulate recently and what timelines they had.

I am at lean FIRE stage - I have RRSP, LIRA, TFSA and Non-Reg. I have about 46k room to max RRSP however leaving Canada permanently at the end of this year. I have not worked over the last year and not anticipating too much work in future. My thinking is not to top up that 46k from Non-Reg account as it will be subject to 15% withholding tax as Non resident. Is my thinking on right for this thought or am I missing something?