Budget Investing Mastery Program
Learn practical investing strategies that work on any income level. Our September 2025 cohort focuses on building wealth through smart, accessible methods that fit your financial reality.
Reserve Your Spot
What You'll Actually Learn
Six modules that build on each other. Each one gives you something you can use right away, whether you're starting with fifty bucks or five thousand.
Money Baseline Reality
Where your money goes now and what that means for investing. We look at actual spending patterns, not ideal budgets that nobody follows.
Small Start Strategies
How to invest with limited funds without getting eaten alive by fees. Real platforms, real accounts, real numbers that make sense for Canadian investors.
Risk Without Drama
Understanding volatility when you can't afford big losses. Portfolio protection that doesn't require complicated derivatives or expensive advisory services.
Tax-Efficient Growth
TFSAs, RRSPs, and which one matters more right now based on your income bracket. Canadian tax advantages that actually apply to smaller portfolios.
Automation Systems
Setting up contributions that happen automatically so you don't think about it. Systems that work even when motivation drops after week three.
Long-Term Adjustments
When to rebalance, when to ignore market noise, and how to adapt as your income changes over years. The unsexy maintenance work that compounds returns.
How the Program Unfolds
The program runs from September through December 2025. Here's what happens during those eighteen weeks.
Foundation Phase
We spend the first five weeks getting your financial baseline clear. You'll map where money goes, identify investable amounts, and set up basic accounts. Most people discover they have more breathing room than they thought once they see the numbers laid out properly.
Strategy Development
Weeks six through eleven cover actual investing approaches. You'll pick specific assets, understand why each one fits your situation, and make your first real investments during this phase. This is where theory becomes real money in real accounts.
System Optimization
The final seven weeks focus on automation and maintenance. You'll set up recurring contributions, learn what market movements to ignore, and build habits that stick. By December, you'll have a system running that doesn't need constant attention.
Who Teaches This Program
Two instructors with different backgrounds who both understand what it's like to invest without massive starting capital.
Jasper Koskinen
Spent twelve years helping people with limited capital build portfolios that actually grew. Started investing with seventy-eight dollars in 2008, which taught him more about fee structures than any textbook could.
Most of his work involves showing people what's possible with consistent small contributions over time. He's frank about what works and what doesn't when you can't afford to make expensive mistakes.
Eamon Rafferty
Designs automated systems that remove decision fatigue from investing. His approach comes from behavioral economics rather than traditional finance, which means he focuses on what people actually do rather than what they should do.
He built his first automated investment system in 2013 after realizing manual investing required more willpower than he had. Now he teaches others how to create systems that work even during unmotivated stretches.