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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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Rosemary & Garlic-Basted Sirloin Steak

 

Master the perfectly seared sirloin steak with this easy method while playing with fresh herbs to enhance the flavor. The key to success: letting the meat come to room temperature before adding it to the pan to ensure it cooks evenly. Rosemary and garlic give it an irresistible herby finish. For the best results, let the steak rest before serving.

Ingredients:

  • 1 pound boneless top sirloin steak, trimmed
  • 1 tablespoon extra-virgin olive oil
  • ¾ teaspoon kosher salt, divided
  • ½ teaspoon ground pepper, divided
  • 4 medium cloves garlic, minced
  • 2 medium shallots, sliced lengthwise
  • 1 ½ tablespoons butter
  • 1 sprig fresh rosemary, plus more for garnish

Instructions:

  1. Heat a large cast-iron skillet over medium-high heat.
  2. Add the steak and cook for 1 minute.
  3. Add the minced garlic, sliced shallots, butter, and rosemary to the skillet.
  4. Cook, tilting the pan slightly to pool the butter and drippings on one side, for 1 minute.
  5. Use a spoon to baste the steak with the butter mixture.
  6. Season the steak with the remaining salt and pepper.
  7. Transfer the pan to the oven rack at the highest position.
  8. Broil the steak for 1 to 2 minutes until cooked to your desired degree of doneness.
  9. Remove the steak from the pan and let it rest for about 5 minutes.
  10. Garnish with additional fresh rosemary if desired.


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