My TFSA is maxed out in the sense that I have put the full $10,000. into it over the last two years you could do that. My wife has a TFSA but has put no funds into nor does she plan too for the forseeable future. Can I just not use her TFSA (assuming she lets me) to put in another $10,000 in her account? (under her name of course). Is there a flaw in this thinking that I am missing? It seems cut and dried but should I be looking at something else that would affect this. I mean logically that way I would get two accounts going with tax free profit.