Through discussion, examples, and even some of the exercises, it should be clear that the earlier you invest your money, the less you have to pay out of your pocket to reach your retirement income goa...Through discussion, examples, and even some of the exercises, it should be clear that the earlier you invest your money, the less you have to pay out of your pocket to reach your retirement income goals. Your end goal is to calculate the regular contributions to your RRSP necessary to achieve a balance in your RRSP from which you can regularly withdraw in retirement to form your income.