All this talk is in theory only but in my actual case its real to me. My coworker and I both got a 20k bonus a few years ago. He chose to invest his 20k into sino forest and I put my 20k into my mortgage. Yes he made money initially (he made sure I knew about it too) but then things went apesh*t. He lost it all and cant claim the cap loss because he put it in his TFSA. I on the otherhand am mortgage free now and I also make sure he knows about it too. Not saying that I dont invest either, I still max my Tfsa and rrsp yearly.
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