Level 1 · Foundations · the curriculum

The full 10-week journey.

Foundations is the first level of the Money Skills Path — a deliberately cumulative course from a teen’s first budget to a real, diversified mock portfolio. One clear topic each week, and every session comes home with a polished 4-page guide, an activity, and a challenge.

1
Week 1

Money Mindset & Goals

  • Money as a tool, and the idea of opportunity cost
  • Telling needs apart from wants
  • Setting a first SMART money goal
2
Week 2

Budgeting & Tracking

  • Giving every dollar a job with the 50/30/20 rule
  • Fixed vs. variable expenses
  • Simple ways to track spending
3
Week 3

Banking & Saving

  • Chequing vs. savings accounts
  • How interest and principal work
  • Building an emergency fund and automating saving
4
Week 4

Credit & Debt

  • How credit and interest work
  • Good debt vs. bad debt
  • Credit cards without the trap, and credit scores (300–900)
5
Week 5

Compound Interest

  • Simple vs. compound interest and the snowball effect
  • The Rule of 72
  • Why starting young beats starting big — and what inflation does
6
Week 6

Intro to Investing

  • Saving vs. investing
  • Risk, return, and time horizon
  • Asset classes and the power of diversification
7
Week 7

The Stock Market

  • What a share of ownership really is
  • The Toronto Stock Exchange (TSX) and why prices move
  • Reading Canadian market indexes like the S&P/TSX Composite
8
Week 8

Funds

  • What a fund is and how it diversifies instantly
  • Mutual funds vs. ETFs vs. index funds
  • Why fees (MER) quietly decide how much you keep
9
Week 9

Crypto & Digital Assets

  • Blockchain and cryptocurrency basics
  • Volatility and real risks
  • Spotting and avoiding scams
10
Week 10

Putting It Together

  • Taxes 101 — brackets, CPP/EI, HST
  • Earning more, plus TFSA & RRSP for the future
  • The capstone: designing a diversified mock portfolio

A take-home guide every week

Each session sends home a polished 4-page summary — key concepts, a real-world example, a glossary, an activity, and a challenge — so your teen finishes the program with a personal finance handbook they’ll keep.

Download a sample guide

Ready to enrol?

Give your teen the head start school skips — reserve a seat in the next Oakville cohort.