- Step 1
Start here: budget, save and spot scams
A budget and a sharp eye for scams protect every money decision after this.
- 5.1 Personal Finance Basics: budget, save, debt Beginner
- 5.7 Spotting Money Scams (crypto, loans, "get rich" offers) Beginner
- Step 2
Credit and savings accounts (Canada)
How credit scores work and how TFSA, RRSP and FHSA accounts work.
- 5.2 Credit Scores in Canada explained Beginner
- 5.3 TFSA, RRSP & FHSA explained (Canada) Beginner
- Step 3
Investing, crypto and taxes basics
What stocks, ETFs and crypto are, the risks, and how side-hustle taxes work.
- 5.4 Investing Basics: stocks, ETFs, risk Beginner
- 5.9 Crypto & Bitcoin explained (including mining) Beginner
- 5.8 Taxes for Side Hustlers in Canada (education only) Beginner
- Step 4
Intermediate: plans and practice
Goals, insurance, credit reports, contribution rules and portfolio ideas.
- 5.1.2 Personal Finance Planning: goals, insurance and debt plans Intermediate
- 5.7.2 Fraud Prevention: recognise and respond Intermediate
- 5.2.2 Credit Management: reports, disputes and rebuilding Intermediate
- 5.3.2 Registered Accounts in Practice: contribution rules and tax effects Intermediate
- 5.4.2 Portfolio Concepts: diversification, costs and behaviour Intermediate
- 5.9.2 Crypto Technology: wallets, security and costs Intermediate
- 5.8.2 Self-Employed Tax Concepts: records, deductions and instalments Intermediate
- Step 5
Advanced: bigger life decisions
Housing, borrowing, retirement concepts and deeper research.
- 5.1.3 Life-Stage Finance: housing, family and career moves Advanced
- 5.7.3 Investigating Scams: verify and document Advanced
- 5.2.3 Credit & Borrowing: loans, mortgages and costs Advanced
- 5.3.3 Retirement & Savings Planning: account strategy concepts Advanced
- 5.4.3 Investment Analysis: valuation concepts and research Advanced
- 5.9.3 Blockchain & Regulation: how networks and rules work Advanced
- 5.8.3 Small Business Tax Concepts: GST/HST, payroll and incorporation Advanced
- Step 6
Expert: teach money skills safely
Research methods, rules and ethics, and teaching others without giving advice.
- 5.1.4 Financial Education Coach: teach money skills safely Expert
- 5.7.4 Fraud Awareness Trainer: teach communities Expert
- 5.2.4 Credit Education Pro: teach and support newcomers Expert
- 5.3.4 Registered Accounts Specialist Study: rules and professional pathways Expert
- 5.4.4 Investment Research Methods: evidence, regulation and ethics Expert
- 5.9.4 Digital Assets Research: evidence and risk Expert
- 5.8.4 Tax Education Professional: research and ethics Expert