Disclaimer: Some links below are affiliate links. Opinions are my own. Mama, if there's one account I could go back and shake my younger self about, it's the TFSA. Not because I didn't have one, I did. I opened it, I put the little money I had at the time into it, I felt proud of myself for “saving.” The problem was I had no idea what I actually had access to, so I used it like a glorified savings account for years. Cash in, a tiny bit of interest, cash out when I needed it.