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Understanding Your TFSA Contribution Room in 2026

A Tax‑Free Savings Account (TFSA) is one of Canada’s most flexible and powerful savings tools, but figuring out your exact contribution room can feel like solving a puzzle. A clear breakdown makes it much easier. How TFSA Contribution Room Works Your available room is made up of three parts: Annual TFSA limit for the current year Unused contribution room from previous years Withdrawals from previous years (added back the following January) For 2026, the annual TFSA limit is $7,000 . Step‑by‑Step: How to Calculate Your Room Use this simple formula: [ \text{TFSA Room} = \text{Unused Room from Prior Years} + \text{Current Year Limit} + \text{Withdrawals from Last Year} ] A quick example: Unused room from past years: $18,000 2026 limit: $7,000 Withdrawals made in 2025: $4,000 [ \text{Total Room} = 18,000 + 7,000 + 4,000 = 29,000 ] That means you could contribute $29,000 in 2026 without penalty. A Few Helpful Notes Over‑contributions lead to penalties, so it’s worth...
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The Wisdom of Robert Frost


                                                                                                                                                                
One of the most famous poets of the 20th century, Robert Frost, once said: "In three words I can sum up everything I've learned about life: it goes on." This simple but profound statement captures the essence of his poetic vision and his personal philosophy. Frost was no stranger to hardship and tragedy, having lost several of his children and his wife to illness and depression. Yet he never gave up on his passion for writing and his love for nature. He believed that life was a journey of discovery and learning, and that no matter what challenges we face, we must keep moving forward.

Frost's quote reminds us that life is bigger than our individual problems and that we have the power to overcome them. It also encourages us to appreciate the beauty and joy that life offers, even in the midst of sorrow and pain. Life goes on, and so should we.
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