Get richer, faster with early TFSA & RRSP contributions

Most people who save in registered accounts quietly leave money on the table, not through bad investments but through timing. This piece makes the case that two habits hold savers back: contributing too little, and contributing late in the year rather than early. When you put money into a TFSA or RRSP at the start of the year instead of scrambling before the deadline, it has months longer to compound tax-free, and over a working lifetime those extra months add up in a way that's easy to underestimate. The column illustrates the cost of waiting and the payoff of getting money working sooner. It's a straightforward read for anyone in the saving years who treats their contributions as a once-a-year chore, and a nudge toward small changes in timing and amount that compound into a meaningfully larger nest egg.