As a Financial Planner I’m sometimes asked, should I do this or should I do that? In finance, it’s rarely that cut and dried. Should you pay off debt or invest? It depends. Should I invest in my RSP or TFSA? It depends! More often the answer is do something, or do both. If you work with a professional you should expect analysis and detailed response to the above questions, but more often than not, taking some positive financial steps to either reduce debt or increase tax efficiency (like RSP or TFSA) is always a good move.