Yeah i know the feeling of splitting money between reno's and investment.

I recently dicided to move all my rrsp's to ETF's since all markets are low, its a safe return in the long run and its hard to continually beat the index.

Then i will move most of my risky stocks to the TFSA since high risk but if i get the high reward i can really profit from it since its tax free.

And since i can only have 5000$ in TFSA i still have my questrade account open for stocks for the balance i want to put in the market.

I figure since i have over 20 years before i retire that is assuming i will retire before im 50, Then i my RRSP at 18% annual contribution in ETF's which should be pretty safe, should result in a pretty good chunck of change.

Then add all the money i gain (or maybe loose ) in the TFSA on top of that. Plus any money gained in my normal trading account. Hopefully i will be in good enough shape to retire then.

Maybe its all wishful thinking but i'd love to retire before 50.