What’s the best way to help a relative, financially?

An aunt or uncle wants to give a leg up to a nephew in his thirties who earns close to minimum wage, carries a condo mortgage, and manages to set aside only a little from each paycheque. Allan treats it as both a generosity question and a structure question. He cautions that pouring money into an RRSP can backfire for a low earner, since future withdrawals count as income that may chip away at benefits like the Guaranteed Income Supplement, and he leans toward a TFSA instead. He also looks at practical ways to give, from holding funds until the nephew is ready to using arrangements that discourage premature spending. Gently, he raises the possibility that the worry is larger than the need, because government supports in retirement can carry a low-income earner further than families expect. It is a thoughtful guide for anyone helping a younger relative.