Financial education for Canadian families
Your money should knowwhere it's going.
Most households run on a paycheque that's already spoken for by the time it lands. I teach families how to protect that income, pay themselves first, and understand the accounts that Canada already gives them — in plain language, without the sales pitch.
Education, not advice. Nothing here is a personalized recommendation.
“What would happen if your income stopped today?”
It's the question almost no budget accounts for. Answering it honestly is where every plan we build together starts.
Start with income protectionCompanies We Work With
Wealth with Supriya is licensed to offer solutions through the following companies. Logos and names shown do not imply a formal endorsement or partnership with this website.
The foundation
Three philosophies behind everything I teach
Not products. Habits. These three ideas come before any account or policy, and they work at every income level.
One
Multi-Handed Income
One pair of hands earning is fragile. Building more than one source of income — and protecting the ones you have — is what turns a budget into a plan.
Learn moreTwo
10% Saving, 3 Rules & 3 Goals
Pay yourself first, follow three simple rules, and name three goals for your household’s future. Clarity turns good intentions into lasting progress.
Learn moreThree
Self-Improvement
Our team organizes regular trainings and events to help you keep learning, growing, and building the confidence to make better financial decisions.
Learn more
Pay yourself first
By the time your pay lands, most of it already belongs to someone else
The ten percent you keep is the only part working for your household. It comes off the top — before the rest of the list starts asking.
What's already claimed
CRA
Taxes come off first, before you see the money.
Mortgage / rent
The largest fixed claim on most households.
Groceries
Non-negotiable, and rising faster than most budgets.
Debts
Cards, loans, and lines all take their cut.
What paying yourself first looks like
Ten percent, moved automatically, on the day you get paid — not whatever happens to be left at the end of the month. Where it goes depends on your timeline and your goals: a TFSA, an RRSP, an FHSA for a first home, or an RESP for a child's education.
The habit matters more than the amount. Ten percent of a modest income, kept consistently, beats good intentions at any salary.
How to start the habit
Meet Supriya
A licensed educator first, and a family person always
I work with Canadian families who were never taught how any of this works — how a TFSA differs from an RRSP, what happens to a household if one income stops, or why the first ten percent matters more than the last.
My work is education. We start with your situation, in plain language, and you decide what to do with it. No pressure, and no promises about returns.
Meet SupriyaLatest updates
What changed, and what it means for your household
- Saving
TFSA contribution room for 2026
New room of $7,000 for 2026. If you were 18 or older in 2009 and have never contributed, your cumulative room is $109,000.
Figures as of January 2026
- Saving
RRSP deadline for the 2025 tax year
Contributions made on or before March 2, 2026 can be deducted against your 2025 income. Here is how to decide whether to use the room now.
Figures as of January 2026
- Government benefits
Canada Child Benefit: what to watch this year
CCB payments are recalculated each July based on your family net income. A quick guide to why the amount changes and what to file on time.
Figures as of February 2026
Common questions
Before you book a conversation
Answers to what people usually ask first. For questions about a specific product, each service page has its own FAQ section.
Is a conversation with Supriya free?
Yes. Booking a conversation costs nothing and commits you to nothing — it is a chance to talk through where you actually stand before any recommendation is made.
Do you work with one company or many?
Solutions are offered through a range of licensed Canadian insurers and investment providers, so the recommendation can be matched to your situation rather than to a single company’s product shelf.
I do not know which product I need — where do I start?
That is normal, and it is the starting point of most conversations. Bring your questions and your current situation; the right products usually become clear once the goal is named.
Is this only for people who already have savings?
No. The three philosophies behind this site — multiple income sources, paying yourself first, and ongoing self-improvement — are built to work at every income level, not just once savings exist.
How is this different from a bank advisor?
The focus here is education first: understanding how accounts and coverage work together before any product is discussed, and coordinating that with your household’s actual life stage.
What happens after I book a conversation?
You will talk through your goals and current setup, and receive plain-language guidance on what to consider next — with no obligation to act on it immediately.
Let’s discuss your financial goals
A conversation costs nothing and commits you to nothing. Bring your questions — we’ll work through where you actually stand.