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Mary has $11,000 in her TFSA after she withdrew $99,000 a month ago for the down payment on her condo. She has $12,000 unused TFSA

Mary has $11,000 in her TFSA after she withdrew $99,000 a month ago for the down payment on her condo. She has $12,000 unused TFSA room. If new TFSA room in January is $6,000, how much is she allowed to contribute to her TFSA next January without penalties?

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