What contribution limit do Jane and Joe each have for their RRSPs?

In Canada, the contribution limit for Registered Retirement Savings Plans (RRSPs) is determined based on a percentage of earned income from the previous year, up to a specified maximum limit set annually by the government. For the year 2023, the RRSP contribution limit is 18% of the previous year's earned income, with a maximum allowable contribution of $30,780.

Given that both Jane and Joe have individual limits based on their personal income levels and assuming their earnings allow for full utilization of the limit, the answer of $18,000 likely refers to a situation where their income either does not reach the higher limit or this figure represents a specific threshold they may have reached.

This contextual understanding helps lay the groundwork for why $18,000 could be the individual contribution limit for both, considering they might not be significantly over this figure or are capped at it due to their specific financial situations. Other provided choices represent different figures that would not align with the standards or calculations typically considered for typical contributions under normal circumstances regarding RRSP limits.