Your Own Sugar: The Wealth Building Blueprint

1. Introduction

   1 lesson

   1. Our Why — To Help You Find Yours

2. BASICS

   9 lessons

   1. Budgeting: Borrow the Calm, Not the Pressure, of How Corporations Operate
   2. Managing Expenses: Your Personal Profit Margin Is Shrinking
   3. Saving: Necessary but Insufficient
   4. Credit Scores: Useful, but Don’t Worship Them
   5. Credit Cards: Useful But Deadly
   6. Payment Methods
   7. Common Personal Finance Mistakes That Quietly Ruin 95% of People
   8. Banking: Old School?
   9. Module 01 Quiz

3. MONEY PSYCHOLOGY

   7 lessons

   1. Knowing Your Money Personality
   2. Risk Tolerance: Willingness vs Capacity
   3. Patience: The Most Underrated Superpower in Money
   4. SMART Goals: Get Clear Before You Get Fancy
   5. Charitable Giving: Give Smart, Give Efficiently
   6. Behavioural Biases: Your Brain Is Wired to Make Mistakes
   7. Module 02 Quiz

4. BORROWING

   4 lessons

   1. Types of Loans
   2. Terms of Borrowing: Amortizing vs. Interest-Only
   3. Good Debt vs Bad Debt
   4. Module 03 Quiz

5. INVESTING

   6 lessons

   1. What a TFSA Actually Is, Contribution Limits and Why TFSA is so Powerful
   2. What You SHOULD Hold in a TFSA
   3. Withdrawals
   4. Common Misconceptions That Hold People Back
   5. TFSA Strategy
   6. Module 04 Quiz

6. ETFs + MUTUAL FUNDS

   5 lessons

   1. What ETFs and Mutual Funds Actually Are, Why ETFs Dominate, and Why Mutual Funds Underperform
   2. The S&P 500 Example
   3. When Are Mutual Funds Useful?
   4. What to Look for When Choosing an ETF, Own the MArket & Move On
   5. Suggested ETFs (Beginner-Friendly, Widely Used)

7. RRSP + RETIREMENT

   10 lessons

   1. What an RRSP Actually Is
   2. RRSP Contribution Room
   3. When an RRSP Is a Smart Move
   4. When an RRSP Is Not a Good Move
   5. Tax Deferral: The Real Power of RRSPs
   6. What You Should Hold Inside an RRSP
   7. Withdrawing from an RRSP: Tax
   8. RRSP vs TFSA: Which One Do You Max First?
   9. The RRSP Trap: Forced Withdrawals at 71
   10. Retirement Strategy: The Real Goal Isn’t “Freedom at 65”

8. FHSA (First Home Savings Account)

   8 lessons

   1. What the FHSA Actually Is
   2. Contribution Limits
   3. Eligibility: Who Can Use an FHSA
   4. Why FHSA Beats RRSP for Young Canadians
   5. Investment Strategy Inside an FHSA
   6. FHSA vs RRSP Home Buyers’ Plan (HBP)
   7. Time Horizon: You Have Up to 15 Years
   8. Why Every Eligible Canadian Should Have One

9. STOCKS

   11 lessons

   1. What a Stock Actually Is
   2. Why Stocks Create Wealth
   3. The Trade-Off: Higher Returns = Higher Volatility
   4. The Only Two Reasons Stocks Go Up
   5. Dividends: The Quiet, Boring, Reliable Wealth Engine
   6. Growth Stocks vs Value Stocks
   7. Why Picking Individual Stocks Is Harder Than It Looks
   8. How Most People Lose Money in Stocks
   9. Start with ETFs, Learn Stocks Later
   10. The Real Reason Stocks Matter for Your Future
   11. If You Were Going to Pick Individual Stocks

10. HOW TO ACTUALLY INVEST

    7 lessons

    1. How to Open an Online Brokerage Account
    2. How to Set Up Automatic Contributions
    3. How to Automate ETF Purchases
    4. How to Turn On the DRIPs
    5. How to Rebalance
    6. DIY vs Advisor—Pros and Cons
    7. The Minimum-Viable Investing System (Your One-Page Blueprint)

11. INSURANCE

    7 lessons

    1. The Purpose of Insurance, Tenant Insurance, and Property Insurance
    2. Health Insurance
    3. Life Insurance: Only Buy What You Actually Need
    4. Critical Illness & Disability Insurance: Often More Important Than Life Insurance
    5. Travel Insurance
    6. The Golden Rule: Insure Against Ruin, Not Annoyance
    7. How to Know If You’re Properly Insured

12. TAXES

    10 lessons

    1. What Taxes Are
    2. How Tax Brackets Actually Work
    3. Deductions vs Credits
    4. The Three Income Types—And Why They’re Not Taxed Equally
    5. Why Your TFSA and RRSP Matter for Taxes
    6. Common Tax Mistakes That Quietly Hurt People
    7. Why Tax Refunds Are NOT “Free Money”
    8. What to Actually Do to Reduce Your Taxes
    9. Taxes Quietly Decide Your Financial Future
    10. Incorporating a Small Business: When It Actually Makes Sense

13. WORK

    8 lessons

    1. Salary: Your Starting Line, Not Your Ceiling
    2. Equity Compensation: Shares, Stock Options, RSUs
    3. Benefits: The Most Undervalued Part of Compensation
    4. Side Hustles: Your Second Engine
    5. Education: The Highest ROI Investment You Will Ever Make
    6. Promotions
    7. Job-Hopping: The Fastest Way to Increase Your Income Early
    8. Burnout: The Hidden Tax on Your Earning Potential

14. LIFESTYLE

    6 lessons

    1. Cars: The Fastest Way to Destroy Wealth Quietly
    2. Housing: The Biggest Financial Decision You’ll Ever Make
    3. Guilt-Free Spending
    4. Lifestyle Creep: The Silent Wealth Killer
    5. Meal Prep & Home Cooking
    6. The Freedom Formula: High Savings Rate + Low Fixed Costs

15. RELATIONSHIP DYNAMICS

    8 lessons

    1. Splitting Expenses: Fair Is Not Always 50/50
    2. Joint vs Individual Accounts: Use Both
    3. Children & Dependants: Financial Planning Matters More
    4. Money Fights
    5. Separation & Splitting Assets: Know the Rules Before You Need Them
    6. Prenups & Cohabitation Agreements
    7. The Three Conversations Every Couple Must Have
    8. The Health Check: Are We On The Same Team Financially?