Spousal RRSPs can help lower a couple's tax bill in retirement if one spouse earns significantly more than the other. While they seem beneficial, experts advise considering individual circumstances and retirement plans carefully as spousal RRSPs don't increase contribution limits and funds belong to the account holder, not the contributing spouse. They may be most useful for couples retiring early or if one spouse isn't working, as the savings can provide comfort knowing retirement funds are available. However, the lower-earning spouse must wait three years to withdraw contributions without the higher-earning spouse facing taxes.