Start here · Day 22
Pay Down Debt or Invest? Build a Decision Framework
Compare debt costs, cash needs, employer matching and uncertain investment returns to decide what your next available dollar should do.
Planned for November 22
Preview lesson →Financial Literacy Month 2026
30 days to understand your money
One practical lesson a day. Build confidence with everyday money, investing and planning.
November 1–30 · Free learning series
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Nov 22–28
Week 4: Longer-term planning
Connect today’s decisions with your household goals and future plans.
Day 23 · Nov 23
Stress-Test Your Cash Flow Before a Costly Month
Build a dated cash-flow forecast, find its lowest balance, and test a larger bill or income delay before committing money to a costly month.
Planned for November 23
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Day 24 · Nov 24
Net Worth vs Cash Flow: Why You Need Both
Build an assets-minus-debts snapshot, separate accessible cash from illiquid assets, and compare net worth with the timing of household income and bills.
Planned for November 24
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Day 25 · Nov 25
Build a First Retirement Scenario With CPP, OAS and Personal Savings
Create a first retirement scenario using personal CPP or QPP estimates, OAS eligibility, workplace income and savings, with consistent dollar assumptions.
Planned for November 25
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Day 26 · Nov 26
Shared Goals, Separate Privacy: Plan Money Together Without Sharing Everything
Set a shared goal, agree who sees which information and who handles each task, and check household software permissions before sharing financial details.
Planned for November 26
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Day 27 · Nov 27
A Black Friday Budget That Protects Your December Plan
Set a Black Friday spending limit after upcoming bills and reserves, compare total purchase costs, and track instalments, returns and receipts.
Planned for November 27
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Day 28 · Nov 28
Your Canadian Year-End Money Checklist
Review financial records, registered-account activity, upcoming bills and account-specific deadlines, then identify the questions that need professional help.
Planned for November 28
Preview lesson →Turn small lessons into everyday habits.
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