Rookie, it still bothers myself here as you say (My RRSP is a Cash Account traps

I am a little curious as to why this would bother you.

Rookie, one can only contribute to a mamiium of a percentage of your earnings into a RRSP and not any amount you wish.

I have to admit that I am not an expert and the fact that an rrsp account does not allow me margin I considered it to be a cash account. Pardon my ignorance . And as for contribution limits, they can be deferred to a later date.