Can you maximize your RRSP and TFSA with an income of $0?

What should you do with registered accounts in a year when you earn nothing, perhaps because you've stepped away from work to care for family? This piece takes up that question for someone sitting on a windfall with plenty of unused RRSP and TFSA room. The TFSA is the easy call, since the money grows and comes out tax-free no matter what your income looks like later. The RRSP is trickier: contributing in a no-income year can quietly turn tax-free dollars into taxable ones, because the deduction is worth little when there's no tax to offset. The smarter move it explores is decoupling the contribution from the deduction, holding the write-off for a future year when income returns. A thoughtful read for anyone facing a temporary gap in earnings.