Hi everyone, thanks for the replies, but I must confess, I am super confused by them! 100% not what I was expecting...
Just to clarify on the RRSP, this is true, we can't use the HBP, but likely wouldn't have even if we could, because we want to get that RRSP pot as it currently is to grow untaxed. So removing money from it is not ideal - removing future growth. For early retirement, this should be touched as a last resort, no?
Then I see a lot of recommendations on using the taxable account. Why would we use the taxable account? I don't get it. This will mean taxes galore on capital gains. I might have some harvestable losses (which would then offset some capital gains) but they are small. And I can keep them for later. I would want to keep the taxable account for when I have a lower taxable income (again, early retirement) to minimize taxes.
The TFSA seems like a slam dunk, and I was expecting some agreement on this. I am not seeing it, so I am confused. We can withdraw the money, capture profits/capital gains untaxed, increase our TFSA ceiling, and fill it back up on January 1st, 2021 once the property is sold. I see zero downside.
Am I missing something or simply going mad?
Thanks!