Larry 

If your withdrawals from the RRSP are taxable on withdrawal then I think
your approach of using two files recording transfers to your bank account
from the RRSP as Expenses in the RRSP account and  Income in your main
accounts should work fine as it will satisfy the accounting equation in both
files without any conflicts and will keep Gnucash happy. 

With both the RRSP and your bank accounts in a single file, the decrease of
an asset (RRSP) is a credit to that account and an increase in Income (which
it would have to be to record it as income for taxation) is also a credit to
the income account in that same file, which would not be a balanced
transaction in which the sum of debits and credits is zero.

David



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David Cousens
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