Adam

My wife and I max out our TSFA contributions every year. We made our contributions this year on Jan 1. (I submitted the order on Jan 1, it was processed on the first business day)

We are by no means wealthy.  We both work, my wife at a local school as an EA (NOT a teacher, under $40K per year), and myself as a tradesperson in the energy industry. I will be in the mud running heat trace tubing along pipe today. Nothing glorious, just honest labour for honest pay. 

Just because we choose to be frugal with our money does not make us 'wealthy'.