How to improve your finances when you’re stupid

Don't sip champagne when you're thirsty

RRSP: In Canada, you have the option to contribute to a TFSA or RRSP. Both have different benefits and it’s very unlikely you’ll max out both or reach your contribution limits in your 20s and 30s. Vision board we’ll get there in our 40s.

Go with the TFSA unless you’re making enough you’re paying hella tax and/or you don’t have tuition credits.

Savings: Taxes on your contributions

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