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Learn more about RRSPs, and read this previous Re: Investing question to learn about your RRSP options at retirement. If you set up multiple TFSAs, you cannot contribute more than your annual contribution limit to all of them combined. Generally, your TFSA contribution room is made up of: the TFSA dollar limit for the year, any unused TFSA contribution room from the previous years, and any withdrawals made from the TFSA in the previous year.

You can check your contribution room through the Canada Revenue Agencys My Account service. If you call after hours, you can leave a message and we will return your call.