If you're like a lot of Canadians these days, it may seem challenging to find thousands of dollars to put into your RRSP each year. But if you get a big tax refund and you still have a hard time putting money into your RRSP, here is something that may help out. Chances are too much tax is being taken off your paycheck. So you can contact the CRA and ask them about something called a payroll tax deduction. If you qualify, the government will take less tax off your paycheck, which means more money for you, but on the condition that the money goes directly into an RRSP, which you would set up with your employer. That money would automatically be deducted from your paycheck and go into that RRSP. And at the end of the year, you won't have the temptation of spending that tax refund, and your retirement nest egg will be a lot bigger. I'm Kim Parlee, and that's your "Money Talk Minute."