We are working hard to make sure interest income is in TFSA, but dividends and capital gains occur inside and outside our registered accounts.. All people paying taxes must make not paying tax a priority. We do use the dividend tax credit and capital gain rules, but interest is in some kind of tax protected place. And we still pay 50% of our income in some kind of tax, shame really that Canada has such high taxes, sadder to see how our political class waste the money they take from us.