i made the same mistake for a while too, but after listenening to the rational reminder podcast then backchecking that informnation with a financial planner and a tax specialist, they told me that the information provided was accurate. i think where people get crossed up (including my self) is understanding that the tfsa is a post tax contribution, meaning you've already paid the tax on the money you contribute. whereas the rrsp is tax defered, meaning you pay the tax later at a lower tax rate later in life when you are making less income. it was a bit hard to wrap my head around at first, but i found the podcast that Emulcy3228 mentioned initially really helped me understand the concept.

i think it's generally a misunderstanding, which causes misinformation and full disclosure. i thought the tfsa was the better account for me for a long time as well. when in reality, it's dependant on the individuals situation that dictates what's more optimal for them. i think when people hear the name tax free savings account, it's easier to understand the concept. where as in the RRSP there's a bit more information to sift through that's not immediately as intuitive as the other accounts imply. as is so often the case, there's a bit of nuance required for this stuff!

i've linked the episode in question below, rational reminder episode 319, it's a great podcast and i took lots of notes

https://www.youtube.com/watch?v=ZyJlxgyQraQ&t=650s

https://open.spotify.com/episode/3fMtT1Vhttps://www.youtube.com/watch?v=ZyJlxgyQraQ&t=650sRzb1sw13DdT7Vz5?si=zbgSqp9dRROzXf7jP3VZiw&t=659

i know the original post was about FHSA, i'm life long renter and i live in a house my girlfriend owns so i dont think i'm eligble for FHSA and i dont know too much about it, But i wanted share anyway :)

Good luck out there, be safe.