Whatt!! Zero taxes through the TFSA? A capital gains free way of investing in the stock market. Man I'm jealous. I think I'll have to move in with an uncle in Toronto, haha. Joking aside, absolutely! There's nothing worse than coming into a significant sum of money only to blow it on a car, appliances, etc, like you said on depreciating liabilities. I think this past year in crypto has afforded many people to choice to make extravagant purchases or build a basis of passive income to generate benefits for decades to come. I just hope people choose wisely. :p