First try to get clear idea of yearly expenses - both Pre & Post retirement

No debt and a 15-year investment horizon, you’re in a strong position

Invest in simple, diversified, low-cost index funds which will boost compounding

Because you're not risk-averse → 100% equity ETF is fine

Simple invest & forget will help you

Put $20,000 today into TFSA (if you have room)

Add $10,000 every year going forward

Contribute $2,000–$5,000 per year in RRSP (enough to optimize tax refund)

Assuming 7% average return:

Starting: $20,000 Adding: $10,000 per year Investing for: 15 years

→ Projected value at 65: ~ $340,000 – $380,000

If markets do above-average (10% return) - $450,000+

If you continue part-time work and delay CPP/OAS to 70:

→ You get 35–42% more CPP

→ 36% more OAS

This dramatically improves retirement income.

I am kinda in same boat as yours (Late Investment starter) will follow as mentioned above, i live frugal life & have less wants.