Turning 40 brings its challenges. Many who ignored their health start realizing its importance and adopt a healthy lifestyle. You might have a mortgage, a higher income, and a better understanding of finances. You know you are losing money by keeping your money invested a guaranteed investment certificate (GIC) that offers 3â3.7% interest. It is time to pump up your Tax-Free Savings Account (TFSA) and Registered Retirement Savings Plan (RRSP).…