Fact that my 2y old has her TFSA maxed 3x already is crazy to me! That is money that I saw probably only in my late 20s.
We are standing to change an entire generation's path guys, we just need to stay the course and be consistent.
Our kids wont have to "send money home".
Nobody told you this stuff so I will.
Your TFSA has an annual limit of R46,800 and a R500,000 lifetime limit. Every year you don't maximise it is a year you can't get back. Unused annual allowances don't roll over.
Withdrawals are permanent. Pull money out and that portion of your lifetime limit is gone forever. It's not a bank account so don't treat it like one.
Don't keep it in cash. The tax-free benefit compounds massively on high growth assets over 15 to 20 years. Equity ETFs inside a TFSA are where the real growth happens, not a savings account earning 7%.
Watch your fees. The difference between a 0.2% and a 2% annual fee over 20 years is not just 1.8%. It's a significant chunk of your total wealth. Low cost platforms exist for a reason. Use them.
Contribute early in the tax year. Investing at the beginning versus the end can result in as much as 16% more growth over time. Same money. Just better timing.
None of this requires a financial degree. Just knowing the rules of the account you're using.
Not financial advice.