Disagree it's paltry...   RRSP's I thought were 18% of earned income...  If you can consistently save 18% plus $5,500 in your TFSA, over a number years and the magic of compounding, you'd be doing just fine...  There's probably only a very small % of people with the discipline and ability to save more.   Once mortgage (if any) is paid off, then contribute additional funds to non-registered account.