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@sean1240 Fair enough. Paying into TFSA's and RESPs is definitely saving as well.

@sean1240 You first need to sit down and figure out why you are struggling to save more at 170k income. You should be saving thousands per month at that wage quite easily. This isn't a knock, I'm just suggesting you've been setting your bar way too low, for way too long. If financial...

@brothermaurice The tax account doesn't PAY the customer any interest. It wil CHARGE interest equal to the mortgage rate if the customer is in a negative tax balance, i.e. the bank paid your taxes for you.