no.
however, if i do this right, i should be able to take the money from the rdsp, the chb and the cdb and pool it together to buy a house shortly before or right after i turn 60. if i'm able to stay where i am for a while, i should be able to put quite a bit aside for that purpose. i'm not sure exactly how much to expect from the cohb yet, or if it backdates, but if it's over $400/month, it could make sense for me to just take the money they give me for subsidized housing and put it directly in the rdsp, until 2029, to eventually use it to buy a house with. i should be able to eat with the money from odsp. that gives me the $200+/month cdb to spend on things and go out with, which functionally doubles for the summer months, as i don't go out much over the winter. i might also find myself getting tax refunds for the first time since i signed up for odsp, because i still have $120K in education carryover amounts. for that reason, it might actually make more sense for me to pay taxes on taking the money out of the rdsp in 2040 and put it right int the tfsa to get the subsequent tax refunds on the unused tuition amounts than it does for me to carefully take it out in bits under the tax threshold, because the cra will just send me back the amount it takes out in taxes, anyways. i'll need to double check that.
all of this together should let me put something like $150K, minimum, into a mortgage. i don't need or want a fancy, rich person house in the suburbs. i'm in great health. so i'm happy to get a small, working class house in a working class neighbourhood for under $250K and i actually think prices are going to crash if i wait it out another 5-10 years. i should be able to pay essentially all of this down with the grants and bonds in the rdsp, and the interest generated from it.
if i wait until the cohb runs out and in the end use it to buy, and i'm paying almost nothing on rent when i do because my mortgage is almost paid down, and i use whatever is left in the rdsp to pay the rest down after 2040, the $1500+ in odsp i get for the remaining years, followed by the $2000+ in oas/gis/gains after that, which is more than odsp, should be enough for me to live fairly well. if i have no rent and no mortgage, and no taxes, $25000/yr is really fairly cushy. i don't travel, and at some point (which may have already passed), i'll be too told to go out. i haven't gone anywhere in years, as it is, due to circumstances. i'm realizing the culture is changing and i'm not so interested in what the kids are listening to anymore. i'll just want to spend that on working on my art, and staying in shape. i could build a kick ass studio in a paid for little house with $20,000/year and if i can stay in shape and keep my brain working well because i'm working on finishing the art i could live until i'm 95.
at some point, when i'm doddering and teetering, or in a wheelchair and can't go on, i'll sell the house and move into an apartment.
not rich - no. but comfortable.
i saw myself at the precipice, on the brink of disaster, and walked away from it. it's due to no fault of my own, but capitalism is a fucking shitty system to navigate through and it can shoot you in the face if you're not careful, and i need to adjust to make sure that doesn't happen again.
i'm going to get through this. i'm going to survive. i'm going to be ok.