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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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Auschwitz Memorial Marks 80th Anniversary of Liberation: A Solemn Tribute to Survivors

On January 27, 2025, the Auschwitz-Birkenau Memorial and Museum held solemn observances to mark the 80th anniversary of the liberation of the infamous Nazi death camp. This year's ceremony is particularly poignant as it is expected to be the last major gathering of survivors, many of whom are now in their 80s and 90s.

Among the attendees was 86-year-old Tova Friedman, who was just six years old when she was liberated from Auschwitz on January 27, 1945. She traveled from her home in New Jersey to add her voice to the warnings about rising hatred and antisemitism. "The world has become toxic," she told reporters, emphasizing the need to combat the growing crisis of distrust and animosity.

The ceremony included a walk to the Death Wall, where prisoners were executed, led by Polish President Andrzej Duda and Auschwitz-Birkenau State Museum director Piotr Cywinski. Duda spoke of the "unimaginable harm" inflicted on millions, especially the Jewish people, and emphasized Poland's role as the guardian of this memory.

World leaders and royalty, including Germany's Chancellor Olaf Scholz, French President Emmanuel Macron, and Britain's King Charles III, joined the elderly survivors in a moment of silence and reflection. The event culminated in a candle-lighting ceremony, symbolizing the enduring memory of the 1.1 million people murdered at Auschwitz.

As the last survivors fade, the message is clear: it is our duty to remember the unspeakable crimes and honor the memories of the victims. The observances serve as a stark reminder of the past and a call to action to prevent history from repeating itself.




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