"TFSA questions whether this is happening. Rhys Kesselman, now the Canada Research Chair in Public Finance at Simon Fraser University, said the tax breaks available from TFSAs and RRSPs don’t seem to be motivating middle-income people to ramp up their saving."

Because most people are crippled by the over valued prices of homes and mortgages!

Stop attacking peoples only legal venues for retirement savings! CPP is a JOKE! interest rates are artificially kept low! how are people supposed to save for retirement? Not everyone works for the government!