THE CURRICULUM
Everything You'll Learn
Fourteen modules. Videos. Quizzes. Every topic you need to understand, manage, and grow your money — designed specifically for women.
Basics
- Budgeting
- Managing Expenses
- Saving
- Credit Scores
- Credit Cards
- Payment Methods
- Common Mistakes
- Banking
Money Psychology
- Your Money Personality
- Risk Tolerance
- Patience
- SMART Goals
- Charitable Giving
- Behavioural Biases
Borrowing
- Types of Loans
- Terms of Borrowing
- Good Debt vs. Bad Debt
Investing — TFSA
- What a TFSA Actually Is
- Contribution Limits
- Why the TFSA Is So Powerful
- What to Hold in a TFSA
- Withdrawals
- Common Misconceptions
- TFSA Strategy
ETFs & Mutual Funds
- What ETFs & Mutual Funds Are
- Why ETFs Dominate
- Why Most Mutual Funds Underperform
- The S&P 500 Example
- When Mutual Funds Are Useful
- Choosing an ETF
- Own the Market and Move On
- Suggested ETFs
RRSP & Retirement
- What an RRSP Actually Is
- Contribution Room
- When an RRSP Is a Smart Move
- When It's Not
- Tax Deferral
- What to Hold Inside an RRSP
- Withdrawing & Tax
- RRSP vs. TFSA
- The RRSP Trap at 71
- Retirement Strategy
FHSA
- What the FHSA Actually Is
- Contribution Limits
- Eligibility
- Why FHSA Beats RRSP for Young Canadians
- Investment Strategy Inside an FHSA
- FHSA vs. RRSP Home Buyers' Plan
- Time Horizon — Up to 15 Years
- Why Every Eligible Canadian Should Have One
Stocks — Ownership
- What a Stock Actually Is
- Why Stocks Create Wealth
- Higher Returns, Higher Volatility
- Top Two Reasons Stocks Go Up
- Dividends
- Growth vs. Value Stocks
- Why Picking Individual Stocks Is Harder Than It Looks
- How Most People Lose Money in Stocks
- Start with ETFs, Learn Stocks Later
- Why Stocks Matter for Your Future
- If You Were Going to Pick Individual Stocks
How to Actually Invest
- Opening an Online Brokerage Account
- Setting Up Automatic Contributions
- Automating ETF Purchases
- Turning On DRIPs
- Rebalancing
- DIY vs. Advisor
Insurance
- The Purpose of Insurance
- Tenant Insurance
- Property Insurance
- Health Insurance
- Life Insurance
- Critical Illness & Disability Insurance
- Travel Insurance
- Insure Against Ruin, Not Annoyance
- Are You Properly Insured?
Taxes
- What Taxes Actually Are
- How Tax Brackets Actually Work
- Deductions vs. Credits
- The Three Income Types
- Why TFSA & RRSP Matter for Taxes
- Common Tax Mistakes
- Why Tax Refunds Are NOT "Free Money"
- How to Actually Reduce Your Taxes
- Taxes & Your Financial Future
- Incorporating a Small Business
Work
- Salary — Your Starting Line, Not Your Ceiling
- Equity Compensation
- Benefits
- Side Hustles
- Education — The Highest ROI Investment
- Promotions
- Job Hopping
- Burnout
Lifestyle
- Cars
- Housing
- Guilt-Free Spending
- Lifestyle Creep
- Meal Prep & Home Cooking
- The Freedom Formula
Relationship Dynamics
- Splitting Expenses
- Joint vs. Individual Accounts
- Children & Dependants
- Money Fights
- Separation & Splitting Assets
- Prenuptial/Cohabitation Agreements
- The Three Conversations Every Couple Must Have
- The Health Check
Financial confidence starts with numerical confidence. These 50 exercises build practical mental math skills so you can run the numbers in real life — at the store, in negotiations, in the moment.
Multiplication
Build fast mental multiplication so you can calculate totals, tips, and costs instantly without reaching for your phone.
View Quizzes →
Percentages
Interest rates, tax calculations, investment returns, discounts — percentages are everywhere in personal finance.
View Quizzes →
Division
Split bills, calculate per-unit costs, and understand ratios quickly and accurately.
View Quizzes →
In-Situation Problem Solving
Real-world financial scenarios — salary negotiations, loan comparisons, investment decisions. Apply your math where it matters most.
View Quizzes →
Money is emotional. Let's work through it.
Ten guided meditations designed to rewire your relationship with money — addressing the shame, scarcity, fear, and guilt that block financial progress. Because no spreadsheet fixes a scarcity mindset.
Meditations
Scarcity → Abundance
Shift from lack to possibility. Reframe the story you tell yourself about what you have.
Fear → Joy
Release the anxiety of money decisions and reconnect with why financial freedom matters.
Shame → Openness
Let go of financial shame — past mistakes, inherited beliefs, and comparison culture.
Guilt → Acceptance
Spend and save without internal conflict. Money is a tool — not a moral test.
Trust
Build trust in your own financial judgment and your ability to figure it out.
Calmness
Navigate financial stress with clarity instead of panic. Breathe before you decide.
Mindful Awareness
Tune into your spending triggers, patterns, and emotional relationship with money.
Compassion
Be kind to yourself about where you started. Everyone's financial journey is different.
Non-Attachment
Hold money lightly. Wealth is a resource, not your identity or your worth.
Empowerment
Step into your financial power. You have everything you need to build the life you want.
Knowledge without action stays theoretical. Money Rituals create the habits, accountability, and community that turn what you learn into how you live.
Money Check-Ins
Every week, you show up — for yourself and your community. No judgment, just honesty, support, and real progress.
- Community Accountability — Check in with your circle. Share where you're at without shame.
- Update Budget & Expenses — Review the week, adjust the plan, stay on track.
- Celebrate Wins — Every win counts, no matter the size.
- Support with Challenges — Stuck? Struggling? You're not alone.
Expert Workshops
Fun, social, and genuinely educational. Each quarter, a different expert joins to go deep on a topic — IRL and online so you can always show up.
- Continued Education — Go beyond the course content with specialist guests.
- IRL + Online — Flexible format wherever you are.
- Fun & Entertaining — These aren't lectures. They're experiences.
Tax ExpertMortgage PlannerThe Thoughtful Co.Meditation SpecialistInvestment AdvisorEstate Lawyer
Part of every Your Own Sugar membership is directed toward organizations that extend financial opportunity to women and girls globally.
Your membership does more than build your wealth.
We believe in collective financial freedom. That means using the platform we're building — and the resources our community generates — to fund access, education, and economic agency for women everywhere.
Join & Give BackMalala Fund
Fighting for 12 years of free, quality education for every girl. Active in 12 countries. Founded by Nobel Laureate Malala Yousafzai.
Visit Malala.org →WASH Foundation & WMI
Microfinance programs that give women entrepreneurs in underserved communities access to small loans — the same financial tools we teach, directed to the women who need them most.
WASH Foundation → WMI Online →