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Empty Desert Road

Start Here: Your Montreal Money Roadmap

A simple, step‑by‑step path to crush debt, build savings, start investing and, when you’re ready, step into real estate – designed for Montreal life at any age. 

 

This page shows you exactly where to start, whether you’re a teen learning money basics, a young professional trying to save, or an adult tired of living paycheque to paycheque. You’ll follow the same 4‑Step Money Playbook used on the homepage, but with clear next actions and links for each step.

Who This Money Roadmap Is For ?

This Money Roadmap is built for people in Montreal and across Canada who are tired of guessing with their money and want a simple, step‑by‑step plan they can actually follow. It is designed for people who work hard, feel like they should be further ahead, and are ready to finally get clear on debt, savings, investing and their first or next property.

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Teens and students who want to avoid the money mistakes their parents and friends made and build good habits from the start.


Young adults starting their careers or side hustles who want to save more, get rid of debt and begin investing with confidence.
Adults who feel behind, stressed about bills or credit cards, and want a clear path to get back in control and start building real wealth in Montreal.

Choose Your Starting Point

Everyone starts from a different place. Read the statements below and choose the one that sounds most like you. That will show you which step of the Money Roadmap to focus on first.

I'M STRESSED OUT

If credit cards or loans are weighing on you, start with Step 1: Pay Off.

You’ll get clear on what you owe, choose a payoff strategy and build a plan to finally move forward.

I'M OK, BUT I SAVE VERY LITTLE

If money comes in and goes out with nothing left, focus on Step 3: Budget. You’ll learn how to set up a simple plan that fits real life in Montreal and across Canada and finally pay yourself first.

I WANT TO INVEST, BUT I'M NERVOUS

​If you’re curious about investing but scared to make a mistake, go to Step 4: Invest. You’ll see how to start small, use simple investments and avoid the biggest beginner errors.

MY MONEY IS OK, BUT I WANT TO GROW

If your basics are mostly under control and you want to build wealth, follow all 4 steps and start thinking about how investing and real estate can work together for you over time.

Step 1 – Pay Off 

If debt feels heavy or stressful, this is where you start. Step 1 helps you see exactly what you owe, choose a payoff strategy and build a short, realistic plan to finally move forward instead of staying stuck.

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  1. List every credit card and loan with balances and interest rates.​

  2. Choose your payoff method (snowball or avalanche) and decide your monthly payment target.

  3. Create a simple 3–6 month payoff plan that fits your real income and expenses.​

Side Hustle – Boost Your Income

Once your payoff plan is in place, the fastest way to speed everything up is to earn more. Step 2 helps you find realistic side hustle ideas and set clear income goals so you can pay off debt faster, save more and start investing sooner.

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  1. Pick one or two side hustle ideas that fit your time, skills and personality.

  2. Set a monthly income target so you know exactly what you are working toward.​

  3. Decide how much of that extra money goes to debt, savings and investing each month.

Step 3: Budget – Take Control of Every Dollar

Once your debt plan and income are in motion, Step 3 helps you organize your month so you always know where your money goes. You learn how to track spending, plug the leaks and build a budget that actually fits real life in Montreal and across Canada.​​​

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  1. Choose a simple budgeting method that you can stick to, like zero‑based or 50/30/20.​

  2. Set realistic targets for rent or housing, food, transport, bills and fun, based on your actual numbers.​

  3. Set up “pay yourself first” so money automatically moves into savings at the start of the month, not the end.​

Step 4 – Invest

After your debt is under control, your income is improving and your budget is in place, Step 4 is where your money starts working for you. You learn how to start investing with simple tools, stay consistent over time and eventually explore real estate as your situation allows.​​​​​​​

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  1. Learn the basics of investing, like accounts, ETFs, risk and time horizons, in clear everyday language.​

  2. Set an automatic monthly investment amount, even if it is small at first, so your money grows in the background.​

  3. Understand when it might make sense to look at property or a plex as part of your long‑term wealth plan in Montreal and across Canada

Ready for Your Next Step?

If you see yourself in this roadmap and want help applying it to your situation, you can reach out any time. Tell me where you are now, what you’re struggling with and what you want your money to look like in the next 12 months.

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For now, you can contact me call, text or email, info down below ⬇️

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