Most people think investing requires thousands upfront. We'll show you how to start with what you have and build consistent habits that match your actual life. Our 2025 programs start in September and run through early 2026.
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We've worked with hundreds of Canadians who felt locked out of investing. Here's what we learned about starting small and staying consistent.
You don't need $5,000 to begin. We teach strategies that work with $50 monthly contributions and scale as your situation improves.
Risk isn't about avoiding losses completely. It's about knowing what you can afford to lose and protecting what matters most.
Investing success comes from repetition, not timing the market perfectly. We focus on systems you can maintain for years.
When Kira joined our fall 2024 cohort, she was managing student debt and had about $75 monthly she could realistically invest. She'd opened a brokerage account twice before but never made a single trade because everything felt overwhelming.
The first month, we focused only on understanding her complete financial picture and setting up one automated transfer. No pressure about returns or portfolio diversity yet.
By spring 2025, Kira had built a simple three-fund portfolio inside her TFSA. She increased contributions to $120 monthly after getting a raise. More importantly, she stopped checking her account daily and developed confidence in her strategy.
She still asks questions in our group sessions. But now they're about optimizing her approach rather than questioning whether she should invest at all. That shift took time and consistent support.
Our programs run in small cohorts where everyone's working with limited budgets. You'll see how others handle the same obstacles you're facing.
First three weeks focus on understanding your complete money situation. We look at income stability, existing debt, savings buffers, and realistic investing capacity. No generic advice here.
Weeks four through eight cover investment fundamentals tailored to tight budgets. You'll open accounts, understand fees, learn about Canadian tax advantages, and make your first investment decisions with support.
Months three and four focus on building your personal investment approach. We'll work on asset allocation, rebalancing schedules, and handling market downturns without panic selling.
Final months emphasize sustainability. We'll create quarterly review systems, discuss scaling strategies as your income grows, and prepare you for investing independently after the program ends.