How about a gay man who enjoys being a dick and trolling feminists ? Is this where identity politics fail for you ? <| sep |> I worked the night shift so I typically never had to deal with petty stuff like that . We had a few times when someone would call to use us to harass their neighbors . Usually it was with noise complaints . We could look it up in the database , but after a while , you remember the frequent callers and the locations where they have parties every weekend and make too much noise . <| sep |> It sounds like you would greatly benefit from picking upreading the book The Wealthy Barber Returns . Tangerine is currently offering this as a free ebook til Dec 31 , 2106 you don ' t need to be a customer or sign up for anything , just download ! p a g e wealthybarberreturnsindex . htmlA TFSA is simply an account type , and it is well suited for many things , including savings for retirement . In fact , most people would be better off prioritizing maxing their TFSA before their RRSP when saving for retirement . You don ' t pay any additional tax when you put money into a TFSA you ' ve already paid income taxes on your paycheque . There is a limit of how much can be contributed to a TFSA but that limit is simply a cumulative limit . As long as you have contribution space available you can deposit as much as you want to your limit at any time . When you make withdrawals , the contribution space is refunded the following January 1 st . Growth inside the TFSA is not taxed . Again , check out that book it is written by a Canadian and will give you a solid financial knowledge base ! You ' ll set yourself up for a successful financial future