We(dealer) are all at your service,
for rrsp, its all about personal affordability. People with low income dont bother to buy cause they dont have enough to live. People with high income, they already have a financial planner work with them so they dont have to worry.
RRSP is Registered Retirement Saving Plan, as the name said, its for retirement, and its a plan. So the money invested is for quite a long time, usually 25+ years. I will consider the word *investment* as a short-term thing, so RRSP is not a good vechicle for you.
RRSP is also a plan, because it is not easy to understand how it works. You need a detail analyis to tell you how much you should save, discover your risk tolerance, and such.
Most of us, RRSP dealers, can provide analysis for customer(if dont, dont go there). Contact any of us should give you a better idea that you are at right now and what are your options~
Cheers~