Get a SARS Tax refund
⬇️
Use it to max out TFSA early
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Use TFSA contributions to make extra RA contributions
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Get an even bigger tax refund next year.
Rinse and repeat.
I sit quietly and realize that God has been taking care of me this whole time. Maybe not in luxurious ways. Maybe not an easy life. But through protection,provision, good health, surviving hard days and always having just enough to keep going.