Interesting. I reconsider my approach all the time and currently I am contributing to only my TFSA as I have a large-ish amount in RRSPs (low to mid 6 figures), a LIRA, and am employed with a DB PP. Though my TFSA contributions don't have tax benefits now, continuing to increase my taxable accounts doesn't make the most sense for me. My income is definitely higher than it will be in retirement.