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@angelbaby777 Sure…but… OP is talking about TFSA vs RRSP, both have tax free growth. Also, side benefit of TFSA is it is NOT income for income tested benefits when withdrawn.

@hmiranda03 RRSP’s main benefit is the tax deferral. So you receive a refund of the taxes you paid on contributions but you pay taxes on the money when you withdraw. If you income is higher when you withdraw then your are paying more taxes than what you were refunded on the contribution. So...

@maxwaldo You can check with your plan administrator to see if you there are provisions for accessing the money east, due to health reasons.

@emmanuelja Yes, you can use the HBP money for hookers and blow, if you like. No requirement to use it on the house as long as you meet the HBP requirements.

@armanqnthony You can chase around HISA deposit promotions. You can choose a HISA from an online bank that pays a steady, higher interest rate (like Motive). You can buy HISA ETFs (like CASH.TO) but that is a tad less liquid and may take a day or two to get access to the funds. Cashable GIC’s...

@dmtarmey No. Could take weeks.