<prompt> Human: I am going to be a bit vague on purpose. I graduated last year and finally got a full time job. Ive had coops, so Ive been contributing to a TFSA and maxed it out last year, but Ive never touched my RRSP.So tax season is almost here. I havent contributed the 5k 5.5k now? for this years TFSA. I checked my RRSP limit and its at 8k from all those years of coop. I have saved up about 12k for a fun weekend car, even though I already have a stable work car. I think by March I can estimate my new RRSP limit to be about 14k. I guess my question is have people been screwed by not maxing out their RRSP and TFSA right away? Will I put it off too long and never reach the max? Is the idea of getting a weekened only car basically a toy dumb? My income is now going to be 52k a year now btw. I realize it will get harder the longer I put it off, but is it really a super bad decision? Its not like I went out and got a 50k mercedes or anything.BTW if you are wondering my mom is a broker... and has worked at a bank before... which is why I feel like she has made me more careful with money.I just really want a fun car...Ive dreamed about it since grade 9 and thats whey I even took mechanical engineering.  <response>: Is it hard to play catchup?Yes. 