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“Tax-Free Savings Account” is a bad name. It’s an investment account, not a savings jar. 

In this episode, Tré explains what the TFSA really is, how to use it properly, and how it fits with your RRSP. You’ll learn the real contribution rules (including why withdrawals don’t reset until January 1), why TFSA room is more valuable than a one-time tax break, and the estate move that can add six figures of lifelong tax-free space for your spouse.

You’ll learn

• TFSA vs RRSP—what actually differs at withdrawal time
• The calendar-year rule for recontributing after withdrawals
• Why TFSA room is valuable—and how market losses can shrink it
• Costly traps: over-contribution penalties and “in-kind” transfers at a loss
• Smart estate play: name a successor holder and consider maxing a spouse’s TFSA, even using a line of credit

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