Leaving FIFO got you another kid. That was probably a seven figure decision. On the flip side, if you stayed FIFO you might have lost your wife which would also be a seven figure issue. No winning.I've got an empty TFSA because was focused on housing, life, and the RSPs / RESPs.
Now I'm planning on focusing on the TFSA as I have OMERS so will pull back on RSP contributions (maybe a few k just to lower the tax bracket).
Maybe I should've come work for you! Or stayed in BC FIFO for another 2 years (they literally just finished up...3 years behind schedule).