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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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U.S. Announces Departure from World Health Organization, Effective January 22, 2026

In a move that has sent shockwaves through the global health community, the United States has formally announced its decision to withdraw from the World Health Organization (WHO) on January 22, 2026. This decision, confirmed by the United Nations, follows a formal notification from President Donald Trump, who has criticized the WHO for its handling of the COVID-19 pandemic and other international health crises.

The U.S., which is the WHO's largest financial contributor, accounting for around 18% of its budget, will cease negotiations on the WHO pandemic treaty and recall all government personnel working with the organization. Experts warn that this departure could jeopardize critical global health programs, including those targeting tuberculosis, HIV/AIDS, and other health emergencies.

The WHO has expressed regret over the decision, emphasizing the importance of U.S. involvement in global health initiatives. The future of international health cooperation remains uncertain as the world awaits further developments.


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