I suspect the concept of 'high earners' has changed since the Great Recession. Now we call those making around a hundred grand 'high earners' when it's more likely than before that there's only one earner per family . . .  sometimes one earner per extended family. Earnings of $120 grand are necessary for a family of four to live a middle class lifestyle in Toronto. Worse in Vancouver. Yet, these are where our jobs are. We live frugally. We keep our retirement on track by sacrificing everything discretionary and also living far away from our friends and families to stay in the GGH for the one pension job we'll ever have. We are high earners? Our TFSA holds a small inheritance that we use to send our kids to camps so they don't grow up 100% on the GTA pavement. Leave it alone.