<prompt> Human: Recently graduated from University no student loans, just starting to work full-time and make money. I want to build up my RRSP account to 25K so I can take advantage of withdrawing 25K tax free for my first home purchase. It would cost me 100mo to borrow 20K from one of the big 5 banks and I am considering borrowing and having my FA manage my money at a low risk level. Is this too expensive of a loan for a projected low return on investment? Should I just grind and slowly build up my RRSP? If youve followed this far I would absolutely love some feedback or opinions on this. Thank you kindly.  <response>: First things first: do you actually have 25K of RRSP contribution room right now? That seems high for someone just out of university.Second, youd have to do the math on whether this is currently worth it for you. Given that you just graduated, your income is probably low enough that the difference between your marginal tax rate and the loan interest is pretty low. 