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@alfiano Marty thank you so much for all your effort writing this. I am going to go through all your points one by one I clearly have some learning to do but this will defintely give me a basis on where to start researching

@alfiano Thank you so much for this! Yes I am defintely going to look into transferring my TFSA. This sub has been making me realise I am wasting it with FNB Yes. She has not made any contributions towards her TFSA The emergency fund is bigger than needed yes. The reason being is that I have a...

@hsrl Amazing thanks for this! Will defintely look into this

@gracer Yeah thanks! I've noticed lurking on this sub that I am not utilizing my TFSA correctly. Thankfully I have only contributed 39k so far. Is there a way to transfer TFSA? Current savings rate is 15% towards RA. The rest I just dump into TFSA first and whatever I have left into the 7day notice

Need guidance with my finances Hello all, amazing community btw! I would like you to look at our current financial position and give advise where necessary. Currently we are saving/spending as follows: 32 years old, me and my GF are not interested with having kids. My TFSA is maxed out annualy...