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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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Russia Claims Complete Control of Luhansk as Tensions Deepen

Pro-Russian troops drive an armoured vehicle through the town of Popasna in the Luhansk region, Ukraine


Russia’s Defense Ministry announced that its forces have taken full control of Ukraine’s Luhansk region, marking what Moscow describes as the “liberation” of the territory. The claim suggests Russian troops have secured the final areas that had remained outside their grasp since 2022.

According to Russian officials, units from the “West” military grouping completed operations across the region, which Russia has referred to as the Luhansk People’s Republic. Independent verification of the battlefield situation remains unavailable, and Ukrainian authorities have not yet issued a response. 

Luhansk, together with Donetsk, forms the industrial Donbas region—an area central to the conflict since Russia’s full-scale invasion. The Kremlin has reiterated demands for Ukrainian forces to withdraw from remaining parts of Donetsk not under Russian control, a condition Kyiv continues to reject.

The announcement comes amid broader reports of Russian advances in other regions, including Kharkiv and Zaporizhzhia, though these claims also remain unverified. The development is expected to further escalate tensions in a conflict that has drawn widespread international scrutiny. 

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