u/Agreeable-Donkey-261

Hey everyone,

I'm 27F living in BC and have started investing more seriously during the past year, in which I was able to max out my TFSA (Arrived in Canada only in 2023 so my room is only $27,500). I also opened my FHSA in 2024, and I have accumulated room from 2025 so I already have 16K invested there this year.

My question is: Since my income is on the lower end (about 50K), and I don't think it'll improve much in the next years (maybe up to 70k,80k hopefully), should I defer some of my FHSA contribution?

What would you do next if you were in my shoes? I set aside about 2k to invest monthly. I'm wondering if the next step would be to open a non-registered account or investing in RRSP, but since I wouldn't take much benefit from the RRSP tax deduction now and I would probably be taxed on a higher bracket in the future, I'm not sure what do do.

Thanks in advance for all the help!

Hey everyone,

So I really wanted to look for a better job cause I feel like I'm being underpaid. Do I have to tell IRCC if I changed jobs even if I applied under CEC? It wouldnt change any points so I don't see why I would have to tell them. If I do need to inform them, maybe I'll just wait it out just to avoid any more delays, you never know.

Another question if anyone can tell me: I haven't been able to create a tracker account yet, do I have to wait more time in order to create one? It's been a bit less than 2 months I applied

Thanks!

Hey everyone,

So I really wanted to look for a better job cause I feel like I'm being underpaid. Do I have to tell IRCC if I changed jobs even if I applied under CEC? It wouldnt change any points so I don't see why I would have to tell them. If I do need to inform them, maybe I'll just wait it out just to avoid any more delays, you never know.

Another question if anyone can tell me: I haven't been able to create a tracker account yet, do I have to wait more time in order to create one? It's been a bit less than 2 months I applied

Thanks!