if i miss the target, i can recalculate the max amount for 2026, which will likely end up being a little less. it will rollover to the next year.
...although, i also want to make sure it all rolls over, and not just the last ten years. i assumed they'd take the first 7 years at $500, but i i lose the $1000 for 2015 then they won't do that. instead, i'd have to use the $1000 for 2015 right away and the new max would be:
$1500 for 2015 (500*3 + 1000*2 = $3500 in matching grants) + 2000 for 2016-2019 (2000*3 = $6000) + $333.34 for 2020 (333.343 = $1000), which is
1500+ 2000+ 333.34 = 3833.34
but if i just put the 3500 or the 3000 or the 2500 in, the rest will rollover, and i may just want to make sure i get the $1500 for 2015 in, and then start chipping away at it in january.
i will get a $1200 cdb transfer on dec 18th that i was always intending to move into the rdsp.