You can withdraw from your RRSP at any time and for any reason before you turn 71. However, withdrawals are considered taxable income and are subject to withholding tax at different rates depending on the amount withdrawn (10% for up to $5,000, 20% for $5,001 to $15,000, and 30% for amounts over $15,000). By the end of the year you turn 71, you must either purchase an annuity, transfer your RRSP funds into a Registered Retirement Income Fund (RRIF), or withdraw the entire balance. Withdrawals before retirement are allowed, but they reduce your contribution room permanently and may have significant tax implications. There are some exceptions like withdrawing under the Home Buyers' Plan (HBP) or the Lifelong Learning Plan (LLP), where you can withdraw amounts tax-free but must repay them later. In summary, you can withdraw from your RRSP anytime, but the timing will affect taxes and future contribution room, and by age 71, you must convert or withdraw all funds.