How to do Tax break as employees Make contribution to RRSP. If your spouse is more likely making less when retired, use sposual rrsp No money to contribute to RRSP? Call your bank to see if you are eligible for RRSP line of credit. Use line of credit to contribute and pay off the line of credit when you get a refund. If you have not bought a first house, make contribution to FHSA. You can make up to $8000 year. Follow me for more tips to break the tax.