The Tax-Free Savings Account limits are really starting to create interest. This is a good thing. Debates will continue about whether to do RRSP's or TFSA's. Ideally we would do both. But that's not possible for all. I do know however, without a doubt, that when we are all sitting on the front porch (dock, deck at cottage, condo in Florida, fill in your own preference...) enjoying retirement, that when the income we take from our Tax-Free Savings Account is completely tax-fre