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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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Your March Wellness Guide: From Daylight Saving to Spring Cleaning

 


Happy March 1st! As we step into this vibrant month, let’s embrace the changing season and prioritize our well-being. Here’s your comprehensive guide to a happier, healthier you:

1. Unplug and Reconnect

Today marks the Global Day of Unplugging. As the sun sets, consider stepping away from screens and tech devices. Take a leisurely walk, host a game night with friends, or simply people-watch at your favorite coffee shop. Disconnect to reconnect with the world around you.

2. Spring Forward with Daylight Saving Time

On Sunday, March 10, at 2 a.m., it’s time to “spring forward” for daylight saving time. While we gain more daylight in the evenings, we lose an hour of sleep. To ease this transition, consider going to bed a little earlier in the days leading up to DST. Remember, adjusting your clocks isn’t just about time—it impacts our health too.

3. Asparagus: Spring’s Nutrient-Packed Delight

With spring’s arrival, fresh produce is back in season. Add asparagus to your shopping basket. Not only is it delicious, but it also boasts health benefits:

  • Rich in fiber and antioxidants
  • High in vitamins A, C, E, and K
  • Acts as a natural diuretic
  • Contains glutathione, which helps combat carcinogens and free radicals So, can you spare a spear? Explore springtime recipes featuring this vibrant veggie.

4. Colorectal Cancer Awareness Month

March serves as a reminder to prioritize our health. If you’re between the ages of 45 and 75, book that routine colonoscopy. Early detection is key, and taking care of your gut health is essential. Even if you’re younger, consider discussing your family history and any concerning symptoms with your doctor.

Let’s make March a month of growth, renewal, and self-care. 

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