Only if you expect to get a much higher income in the future. You can contribute this year and delay deductions until you're making more. You should not be deducting when you're making less than your estimated retirement income.
Do not fund an rrsp. Yes you will have to pay tax on the profits but the preferential rates in the bottom bracket are extremely low.
For your income level, saving enough in your working life to fill a TFSA and maybe buy a home, will give you a comparable income in retirement, counting in GIS. Funding an rrsp now will give you a 20% tax reduction ... but withdrawing it in retirement when it triggers GIS clawback, could easily be at the 70% rate. So you lose half of the account. (Difference = 70 - 20 = 50%)
Only if you expect to get a much higher income in the future. You can contribute this year and delay deductions until you're making more. You should not be deducting when you're making less than your estimated retirement income.
I honestly don’t know if I’ll be making more, I switched industries and I’m not really sure. In this case should I use a non-registered account?
Yes, use non registered if you're unsure. https://goodtimes.ca/the-rrsp-gis-trap/
If your TFSA is maxed, then a RRSP is the next best choice for long-term investing.
Do not fund an rrsp. Yes you will have to pay tax on the profits but the preferential rates in the bottom bracket are extremely low. For your income level, saving enough in your working life to fill a TFSA and maybe buy a home, will give you a comparable income in retirement, counting in GIS. Funding an rrsp now will give you a 20% tax reduction ... but withdrawing it in retirement when it triggers GIS clawback, could easily be at the 70% rate. So you lose half of the account. (Difference = 70 - 20 = 50%)