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RRSP vs TFSA vs FHSA — Which Should You Prioritize in 2026?

  Published: April 2026 | Reading time: 11 min | Category: Investing, Personal Finance, Tax Savings Three registered accounts. Three sets of rules. And most Canadians are using at least one of them wrong. The RRSP, TFSA, and FHSA each offer powerful tax advantages — but they work in completely different ways, and the right priority order depends entirely on your income, your goals, and your timeline. Picking the wrong one first can cost you thousands in taxes over your lifetime. This guide breaks down exactly how each account works, who it's best for, and the optimal contribution strategy for 2026 based on your situation. A Quick Overview of All Three Accounts Before diving into strategy, here's how each account actually works: RRSP TFSA FHSA Contribution deductible? Yes No Yes Growth taxed? No No No Withdrawals taxed? Yes (as income) No No (if for a first home) 2026 annual limit 18% of income, max $32,490 $7,000 $8,000 Lifetime li...
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Healthy Kids' recipes: Feta Chicken Salad

 

Feta Chicken Salad

Ingredients

  • 2 cups shredded cooked chicken breasts
  • 1/2 cup cherry tomatoes, halved
  • 1/2 cup finely chopped red onion
  • 1/2 cup chopped seedless cucumber
  • 1/2 cup chopped sweet yellow pepper
  • 4 teaspoons lemon juice
  • 4 teaspoons olive oil
  • 1/2 teaspoon Greek seasoning
  • 1/2 teaspoon salt
  • 1/8 teaspoon pepper
  • 1/4 cup crumbled feta cheese


Directions

  • In a large bowl, combine the first 5 ingredients. In a small bowl, whisk the lemon juice, oil, Greek seasoning, salt and pepper. Pour over chicken mixture; toss to coat. Refrigerate for at least 1 hour. Just before serving, sprinkle with cheese.

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