Budget-Focused Investing That Actually Makes Sense

Most people think investing requires thousands to start. We help Canadians build real wealth starting with whatever they can afford—$50, $200, or $500 a month. Our program teaches practical money decisions that work with actual budgets.

Explore Our Program

Real Money Problems We Address

These aren't theoretical scenarios. These are the exact situations we hear about from people across Canada every week.

The Late Start Panic

You're 35 or 42 or 51 and just realized your retirement savings are... minimal. The panic kicks in because every calculator online assumes you started at 25.

We build realistic catch-up strategies that work with your current income. No shame, no judgment—just practical steps that account for where you actually are right now. Most of our students start late and still build meaningful savings.

TFSA vs RRSP Confusion

Financial jargon makes your head spin. Everyone says different things about TFSAs and RRSPs. You're worried about making an expensive mistake with contribution limits or tax implications.

We explain Canadian tax-advantaged accounts in plain language. You'll understand exactly which account makes sense for your income level and when to use each one. We cover the math without making it intimidating.

Small Budget Limitations

You've got $75 a month to invest. Most financial advisors won't even talk to you with that amount. You feel like investing is only for people with bigger paycheques.

Our curriculum specifically addresses budget investing. We show you how to avoid fees that eat small contributions and which platforms actually work for modest monthly amounts. Small consistent investing beats large sporadic deposits.

Debt Payment Dilemma

You're torn between paying down debt and starting to invest. Credit card interest feels urgent, but you're also worried about missing years of compound growth.

We teach the actual math behind debt vs investment decisions. You'll learn when to prioritize debt payoff and when simultaneous approaches make sense. The answer isn't always "pay debt first"—it depends on interest rates and your specific situation.

How We Actually Teach This Stuff

Financial education doesn't have to feel like reading tax law. We break down investing concepts using real Canadian examples—actual grocery budgets, real Toronto rent prices, genuine Québec tax scenarios.

  • Monthly budget workshops where you work with your actual numbers, not theoretical examples from textbooks
  • Platform walkthroughs showing exactly where to click when setting up your first investment account
  • Case studies from people who started with $100/month and what their accounts look like three years later
  • Tax season prep that covers Canadian-specific situations like moving provinces or switching jobs mid-year
  • Ongoing access to updated materials when rules change—like TFSA limit adjustments or new provincial programs
Learn About Our Background
Students reviewing budget planning materials during workshop session

Program Structure and Timeline

Our autumn 2025 cohort runs September through December. This gives you time to implement strategies before the 2026 tax year.

1

Foundation Month

September 2025

We start with budget analysis and account setup. You'll understand exactly where your money goes now and identify realistic amounts for regular investing. Most students find $50-$150 monthly works with their current situation.

2

Account Implementation

October 2025

You'll open your actual investment accounts and set up automatic transfers. We walk through platform selection, fee comparison, and making your first purchases. This is where theory becomes real action.

3

Portfolio Building

November 2025

Learn about asset allocation appropriate for your age and goals. We cover ETF selection, dividend reinvestment, and rebalancing strategies that don't require constant monitoring or trading fees.

4

Tax Planning

December 2025

Year-end tax optimization and setting up for 2026. We review contribution room, discuss RRSP deduction timing, and help you plan January contributions. You'll understand exactly what numbers your accountant needs.

Torsten Bergström headshot photo

Torsten Bergström

2024 Program Graduate

"
I started the program thinking $200 a month wasn't enough to bother with. Turns out I was wrong about a lot of things. The curriculum explained TFSA contribution room in a way that finally clicked for me. Now my account's been running for fourteen months and seeing the balance grow—even modestly—changed how I think about my financial future. The tax module alone saved me from making a costly RRSP timing mistake.
Close-up view of investment tracking spreadsheet with monthly contribution data

What Budget Investing Actually Looks Like

When you're working with $50-$300 monthly, fees matter differently. You can't use strategies designed for people investing $2,000 a month. We show you the platforms that make sense, the ETFs with no purchase fees, and the timing that avoids eating your contributions with transaction costs.

See Curriculum Details
Canadian tax forms and investment documents organized on desk surface

Canadian Tax Rules That Actually Apply

Most investing advice online comes from American sources. Canadian accounts work differently. TFSA contribution room carries forward. RRSP deductions depend on your income bracket. HBP withdrawals have specific repayment rules. We cover what actually applies to you as a Canadian taxpayer.

Ask Your Tax Questions

Ready to Start Making Better Money Decisions?

Our September 2025 cohort opens for registration in June. The program runs four months and costs less than one session with a traditional financial advisor. You'll walk away with actual investment accounts running and knowledge that compounds for decades.

Get Program Information