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She has $63,500 TFSA space. If she moves $30,000 of her savings balance to a TFSA and adds $500 per month, then in 20 years at her age 65, she would have a balance of $220,242. That sum, still growing at 3 per cent per year, could provide a tax free payout of $10,900 for the 30 years to her age 95.

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