3 ideas
Capable, educated people make poor money decisions mainly because of avoidance, emotion and a lack of clear purpose, not because they lack financial knowledge. More information alone will not fix the problem. What fixes it is changing the habits and systems that govern day-to-day spending and saving.
An RRSP gives you a tax deduction on contributions now, and withdrawals are taxed later as income. A TFSA is funded with after-tax dollars, but its growth and withdrawals are tax-free. The deciding factor is whether your marginal tax rate is higher today than you expect it to be at withdrawal (favouring the RRSP) or lower (favouring the TFSA).
Set up automatic transfers to savings and debt repayment on payday, before discretionary spending happens. Good money outcomes then depend on a system rather than on repeated willpower. You live on what remains, which prevents the common pattern of intending to save 'whatever is left' and ending up with nothing.