For Canadian Professionals in Their Late 20s and 30s
Stop being the person who'll "figure out investing someday."
In 4 weeks, become the person who already did. TFSA, RRSP, and an automated system you actually understand - built with you, not for you.
Sound familiar?
You earn good money. The investing part feels like a different language.
Your money is piling up in chequing.
Earning 0.05% while inflation quietly eats it. You know it's bad. You just don't know what's worse - leaving it there or moving it somewhere you don't understand.
You've tried to figure out TFSA vs RRSP. Three times.
Every article contradicts the last one. You closed the tab. You said you'd come back to it. You didn't.
Your friends seem to have figured this out.
One bought a condo at 25. Another got into Bitcoin "early." Another keeps talking about their TFSA returns. You're not sure if they're lying or you're just behind.
You have an RSU grant, a bonus, or a windfall.
Sitting in cash because moving it feels scarier than doing nothing. But doing nothing also has a cost.
Everyone I work with feels behind. The 32-year-old tech worker who "should have figured this out by now." The new dad realizing he hasn't opened an RESP. The flight attendant whose pilot friends bought condos at 25.
You're not weird for feeling this way.
You're normal.
And the only fix is to start now.
The Nomad Finance Club
There's a name for people like you.
Nomads are Canadians who refuse to trade their whole life for someone else's business plan.
They invest early. They live below their means. They take one big trip a year. They want options more than they want stuff. And when they pick a system, they stick with it.
Nomads do
- → Automate their investing every paycheck
- → Pay yourself first, before any other bill
- → Use low-cost index funds, not the bank's mutual funds
- → Plan one bucket-list experience per year
- → Treat money as a tool for options, not for status
Nomads don't
- ✗ Trust the bank advisor pushing 2% MER mutual funds
- ✗ Chase the hot stock from the Instagram finfluencer
- ✗ Time the market or panic-sell at the bottom
- ✗ Say "I'll start investing next year" for the 5th year running
- ✗ Buy things to impress people who weren't going to like them anyway
What changes
5 years from now, you'll be a different person with your money.
→ By the end of week 4:
You have a TFSA or RRSP open. Your contributions are automated. Your portfolio is chosen and you understand what's in it. You stop being the person who "should start investing."
→ By year 1:
You've invested $5,000-$15,000 without thinking about it. You stop checking your portfolio obsessively. You actually feel calmer about money than you did before - even though it's not "doing" anything dramatic.
→ By year 5:
You've quietly accumulated $50,000-$100,000 invested. The system runs itself. You take that bucket-list trip without guilt because you have a separate fund for it. When friends ask "how did you do it?" you tell them the truth: "It's boring. I just kept buying every paycheck."
→ By year 15:
You have options most of your friends won't. The option to take a year off. The option to switch careers without panic. The option to say no to the things you don't want to do. You're not "retired." You're just no longer afraid of what your job can do to you.
Projections illustrative based on historical market returns. Past performance does not guarantee future results.
The Framework
The 10 Pillars of Personal Finance
Every concept in the program traces back to one of these. Master them and you'll understand 95% of what every financial book, blog, and podcast is trying to tell you.
Diversification
Across investments and income streams
Spread your risk so one bad call can't sink you. That means diversified index funds, but also more than one income stream. The more sources your money comes from, the safer you are.
Dollar Cost Averaging
Buy on autopilot, every paycheck
Invest a fixed amount on a schedule. Beats trying to time the market - every time.
Asset Allocation
Match investments to your life stage
90% of your returns come from this, not from which fund you pick. A simple starting point: the 120-minus-your-age rule for how much to hold in stocks.
Compound Interest
The 8th wonder of the world
Time is your single biggest advantage. Every year you wait costs you decades.
The 4% Rule
How much you actually need to retire
Know your real number. Most Canadians don't, which is why they panic at 50.
Tax Minimization
Keep more of what you earn
TFSA. RRSP. FHSA. Knowing the order to fund them is worth 5-figures over a career.
Fee Minimization
The silent wealth killer
1% in fees over 40 years = $400K gone. The banks won't tell you that.
Controlling FOMO
Being okay with missing out
The biggest losses happen when FOMO overrides your system. The hot stock, the crypto coin, the thing everyone's buying. Being okay missing out is a financial superpower.
Lifestyle Creep
The real key to escaping the rat race
Escaping the rat race comes down to one thing: widening the gap between what you earn and what you spend. Every raise absorbed by a nicer car keeps you stuck. Hold the line, and your freedom grows.
The 10th Pillar
The secret most Canadians never learn
Counter-intuitive. Most coaches don't teach it. Revealed only inside the program.
Revealed inside the program
About
Who's teaching this.
I'm Suroy Thamotharam. Honours finance degree. 10+ years investing my own money. 10 paid coaching clients before I started doing this publicly.
I made every beginner mistake - chased hot stocks, lost money in a poker phase, bought into SPACs. Even with a finance degree, I fell for the same traps as everyone else.
Then I read the books I should have read first. Ran the numbers on my own portfolio. Realized the boring stuff (low-cost index funds, automation, dollar-cost averaging, staying the course) was outperforming my "clever" picks. So I rebuilt my system from scratch.
Today my portfolio takes 7 seconds to rebalance. I haven't lost sleep over the market in years. I quietly helped 10 friends do the same. Their results were so consistent I realized this isn't gatekept knowledge. It just needs someone to walk you through it.
So that's what I'm doing now. Publicly. Under the Nomad Finance Club banner. Because the alternative is watching smart people pay the bank to manage their money badly.
From past clients
Real Canadians. Real outcomes.
Amy C.
Past client, 4 years
From near-zero financial literacy to $90,000 net worth
"I came to Suroy about four years ago when I had some savings but no real idea what to do with them. My financial literacy was close to zero, and I wasn't sure where to even start. Suroy walked me through the basics of investing and money management so I could build the confidence and agency to start making my money work for me. Since then, I've started investing through Wealthsimple with Suroy's guidance, and my net worth is now around $90,000 and continuing to grow. This is all money from my own hard work. I feel like I'm on track to live more freely. I don't feel chained to my job the way I once did. What once felt intimidating now feels doable, even exciting."
Laura T.
Past client
$70K invested, on track to over $500K net worth
"I totaled up my investment accounts - almost $70k invested! I'm nerding out because this progress is real, tangible, and exciting."
Deniz U.
Past client
Found $400 saved on autopilot - without even realizing it
"Lovely moment - I forgot about my Travel account with auto-deposits… ended up with $400 saved without even realizing it. Felt so good!"
Past client results shown with permission. Individual results vary based on income, expenses, market conditions, and personal effort. Past performance does not guarantee future results.
Before we talk price
What this is worth, compared to your alternatives.
A Certified Financial Planner (CFP)
One-time financial plan. 40-page PDF. You'll read it once (maybe).
A bank mutual fund (1.5-2% MER)
Over 30 years on a $100K portfolio, in fees alone.
One bad investment
The hot stock your friend recommended. The crypto coin from the YouTube guy. The mutual fund the bank pushed.
The 4-Week Investor Blueprint (founder pricing)
1:1 coaching. Templates. Lifetime access. You leave running the system yourself.
Founder pricing is for the first 20 clients. Pricing increases with each cohort after that. Below is the full offer.
The Offer
From Saver to Investor
The 4-week identity shift. Founder pricing for the first 20 clients. Pricing increases with each cohort after that.
Starter
Here's everything you get:
- 4 × 90-min 1:1 coaching calls$800
- The 10 Pillars Curriculum (10th revealed inside)$297
- Net Worth Tracker (Canadian Edition)$97
- The Nomad Number Calculator$97
- Travel Sinking Fund Template$47
- TFSA + RRSP Optimization Workbook$47
- Investing Vocabulary Vault$27
- Wealthsimple + Questrade Setup Walkthroughs$97
- 30 days post-program text/voice support$150
- Lifetime access to all materials$97
- Triple Promise (risk reversal)Priceless
Pricing increases with each cohort.
Standard
Everything in Starter, plus:
Plus, exclusive to Standard:
- 6 months of Nomad Finance Club group calls$114
- Spouse / partner attends free$499
- 6-month portfolio health check call$150
- Priority email Q&A inside the Club$97
Pricing increases with each cohort.
Or join the Nomad Finance Club for $19.99/month first if you're not ready for 1:1.
Risk Reversal
The Triple Promise.
Promise 1
The Money Working Guarantee
If you don't have an investment account (TFSA or RRSP, whichever fits your situation) and an automated investing system fully set up at the end of 4 weeks, I'll keep working with you for free until you do.
Promise 2
The 14-Day Trust Guarantee
After the first 2 calls, if you don't feel I'm the right coach for you, ask for a full refund and keep every template I've already sent you. No questions asked.
Promise 3
The "I'm Not Done" Promise
After the 4 weeks, you get 30 days of text/voice access. If something breaks or you have a question, you message me. Period. You're not buying 4 calls - you're buying a coach who finishes what he starts.
The math of waiting
Every year you delay costs you.
If you start investing $500/month at 28 instead of 30, at a 7% return you'll have $280,000 more by 65.
Two years of indecision. $280,000 of compounding gone. Not because the market did badly. Because the math doesn't care about your reasons.
Every Wednesday you're not investing is another Wednesday your future self loses. The cost of waiting is invisible right up until it isn't.
Time is the one thing you can't buy back.
Even with a higher income later.
Math assumes 7% annual return after inflation. Illustrative only.
Common questions
FAQ
Are you a Financial Planner or Financial Advisor? +
No. Those titles require credentials I don't have (CFP, QAFP, etc.) and they're regulated in Ontario under the Financial Professionals Title Protection Act.
What I do have: a university degree in Finance, graduated with distinction. 13+ years of personal finance experience, including working with clients informally through friends and word of mouth.
I'm a Financial Coach. I teach you the systems and walk you through Wealthsimple Invest's risk questionnaire, which is the registered party that legally provides allocation guidance.
Can you recommend specific stocks or funds for me? +
No, and you should be cautious of anyone unlicensed who does. I teach you how to use registered tools (like Wealthsimple Invest) that legally provide that guidance. I walk through their output with you so you understand what you're choosing and why.
What if I'm not in Toronto or the GTA? +
All calls are virtual. The program works for anyone in Canada. The content focuses on Canadian accounts (TFSA, RRSP, FHSA), so if you're outside Canada the value drops significantly.
Is this for total beginners or people who've already started? +
Both. About 60% of past clients had never opened an investment account. About 40% had something started but didn't understand what they owned. Either way, the 4-week structure gets you to the same place: a clear system you control.
What's the difference between Starter and Standard? +
Same 4 × 90-minute 1:1 calls. Standard adds 6 months of monthly group calls inside the Nomad Finance Club, your spouse or partner can attend free, and a 6-month portfolio health check. If you're doing this with a partner or want longer community support, Standard pays for itself.
What's the Nomad Finance Club? +
A $19.99/month community for people who want ongoing accountability without 1:1 coaching. Monthly live group call, WhatsApp community, tax/legislation updates, member resource library. Standard clients get 6 months included.
Why founder pricing? +
I'm running my first 20 paid clients at $399 / $499 to fill the founder cohort quickly and gather testimonials. Pricing increases with each subsequent cohort. The founder rate is the lowest this program will ever be priced.
What if I'm not happy with the program? +
See the Triple Promise. Three layers of risk reversal - the Money Working guarantee, the 14-day full refund (keep the templates), and 30 days of post-program support.
How is this different from reading r/PersonalFinanceCanada or YouTube? +
It isn't, if you're someone who reads finance content and acts on it. Most people aren't. They read for months and still haven't opened the account. The program is the accountability and walkthrough that turns reading into action. You're not paying for information. You're paying for getting it done in 4 weeks instead of 4 years.
Last thing
Founder pricing for the first 20 clients only.
Pricing increases with each cohort after that. The math of waiting doesn't care about your reasons.