How it works
Four steps. The first two are free, and plenty of people stop there — which is a perfectly good outcome.
Take the money quiz
Ten questions, two minutes, no email required. It tells you which part of the curriculum matches where you actually are.
Start with the free modules
Three full modules covering credit reporting, reading your own file, and building credit from where you are. Free, ungated, ready to read.
Choose a level if you want more
Foundation, Rebuilder, or Accelerator. Each adds the remaining modules plus a different amount of support.
Work the plan
Modules, workbooks, and tools you use at your own pace, with check-ins at the levels that include them.
What a phase actually contains
Each phase has the same three parts. Guides that explain the topic in plain language with Canadian specifics rather than American ones. Worksheets that make you apply it to your own numbers, because reading about budgeting has never once changed anyone's budget. And tools — a calculator, a checklist, a tracker — you keep using afterward.
How long it takes
Most people finish the three free modules in an evening. The full curriculum takes a few weeks at a comfortable pace, though it is designed to be returned to rather than completed once. The Rebuilder and Accelerator levels are paced around check-ins, so they run longer by design.
What we'll ask you for
For the free material, nothing. For the levels that include a report walkthrough, you pull your own Equifax and TransUnion reports and we look at them with you — we don't access them ourselves, and we never ask for banking credentials or your SIN.
What happens afterward
You keep the material, including updates. If your situation changes and you want to revisit a module three years from now, it's still there.