u/sonniu

I recently learned about smith maneuver and quite interested in utilizing it. We bought a house and have a TD flexline product that is used to pay the mortgage. We have 90k in there that we can withdraw and start investing right away and then I am hoping to withdraw monthly to invest. My spouse has 100k rrsp room and I have a 90k tfsa room. Is it better to invest the lumpsump amount in rrsp, reinvest the tax returns and then invest monthly into non-registered account or go directly to investing in the non registered account? Idea is to do this for 15 years, pay off mortgage and retire. I am in 43-44% tax bracket. Spouse in 36-38%.