Somone recently asked me - what is the right strategy for Canadian investment. There is a deeper understanding before someone should answer that. You need to understand it for your own situation. Employer match first. Every time. No exceptions. Before you debate FHSA vs RRSP vs TFSA for an hour, ask one question: does your employer match contributions? If yes, that's a guaranteed 50–100% instant return — more than any market will ever hand you. Capture the full match before anything else. After that, stop looking for a universal "best order." There isn't one. The right sequence depends entirely on your marginal tax bracket. An RRSP deduction is worth ~20% in a low bracket and ~53% at the top in Ontario — same contribution, wildly different value. Low earners should lean TFSA and save their RRSP room for a high-income year. High earners chasing a first home should lead with the FHSA (the only account that's deductible going in AND tax-free coming out). The popular "FHSA → RRSP → TFSA" ranking is only right for one specific situation: high income + buying a home. For a low-income saver, it can actually backfire — wasting a cheap deduction and building a future tax trap. The order isn't a list you memorize. It's a decision driven by the rate your next dollar is taxed at, today versus in retirement. Full Post - https://theadamantthesis.substack.com/p/the-3-accounts-every-canadian-should
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3 Accounts Every Canadian Should Max — In Order | Beginner Investors | Blossom Social
