For background information, I am 40 years old and make about 60k a year with my job. My wife has a chronic illness and makes 10-15k dog walking part time, which as the years go on may become less as well. She had also filed for bankruptcy before we ever got together, so came into the relationship with almost nothing to her name.

We were lucky to buy a house 11 years ago before the market went insane (paid 220 worth over 700 based off recent sales in the neighborhood), which we plan on living in until she can no longer handle stairs. The the mortgage will be paid off in 13 years I believe based off my current payment schedule.

Both our cars are paid off, and we have one line of credit based off of the house equity at under 4% interest with 27k on it with no other debt

I have 35K currently invested in my rrsp, I had it in a lower risk portfolio getting approx 6.5% over time which I have now moved into a higher risk stock indexed portfolio which on average has been doing closer to 8% overtime. At some point in time I also set up a tax-free savings account which has 5K in it but only now understand what I can do with it after reading it places like this.

I also have 10K sitting in an ING account, which I now realize is doing me no good and need to get it working for me.

So my question is should I take all of this money, and put it in to my rrsp in hopes of getting to that 100k number quicker. Or take it and sink it into an ETF such as veqt in my TFSA and come back in 30 years?

Thank you for taking the time to read my wall of text.