Surplus Stack Society 

Keep more of what you earn and step into your richest year yet.

Imagine feeling in control of your money, where you have enough monthly surplus to send to your debt, savings and investments on autopilot, and you finish the year with your richest bank balance.

Inside The Surplus Stack Society, you’ll gain access to the structure, support, and accountability you need to manage your surplus diligently so you can end the year with additional zeros and commas in your bank accounts.

 

When You Join The Surplus Stack Society, You Get:

  • Money Promenades – Bi-weekly co-budgeting and coaching sessions to help you create your budget, pay down debt, send money to savings, and invest—all in a supportive, structured environment.
  • Financial FĂŞte – Learn from money experts in a fun, engaging way.
  • Surplus Seasons – A clear roadmap to help you unlock key financial milestones with ongoing support to keep you motivated.
  • Surplus Circles – Join an accountability group tailored to your financial stage, so you receive support that actually fits your goals.
  • Calling Hour – Prompts to help you take action three times a week so you never feel stuck.
  • Money Mart – Remove guesswork with our template library to help with everything from negotiating a lower bill to choosing investments.
  • Richest Year Roadmap – Submit your Richest Year Roadmap each month so we can we can review your progress together.
  • 90 Day Action Plan – Create a checklist of three wealth-building activities you would focus on for the next 90 days.
  • Monthly Challenges – Stay engaged and build momentum with micro-actions designed to push you closer to your financial goals.
  • The Surplus Stack System is a powerful, all-in-one tool to create budgets, track debt payoff, plan investments, and monitor financial growth.
  • Money Audit - Receive targeted feedback with one free money audit every quarter.

 

Bonus for annual plan:

  • Get two months for FREE
  • Monthly money audits to review your finances, budget, investments and get tailored feedback
  • Unlimited access to Private Messaging to ask your questions in private

 

 Who is The Surplus Stack Society for?

  • You want to free up 30% of your income and stop living paycheck to paycheck.
  • You’re tired of trying to manage money alone and need structure, accountability, and expert guidance.
  • You’re ready to pay off debt, save, and invest—at the same time—without feeling stretched.
  • You want a clear roadmap to financial security, not just random money tips that don’t fit your life.
  • You want work to be optional and financial security to be inevitable.

 

The Results You’ll Achieve Inside The Surplus Stack Society:

  • Free up 30% of your income so you can save, invest, and spend guilt-free.
  • Stop feeling overwhelmed by your finances and start making progress with ease.
  • Pay off debt faster while still enjoying your life today.
  • Start investing with confidence so your money grows even while you sleep.
  • Finally have a system that makes wealth-building feel easy, clear, and sustainable. 
  • Finish the year with your richest bank balance.

The Surplus Method

  1. Strengthen Your Surplus Mindset

    6 lessons
    1. Access Module Resources
    2. Lesson 1 | Understand Your Money Mindset
    3. Lesson 2 | Understand Your Money Script
    4. Lesson 3 | Understand Your Spending Triggers
    5. Quiz | Strengthen Your Surplus Mindset
    6. Challenge | 30% Surplus in 30 Days

  2. Uncover 30% Surplus Cash Flow

    10 lessons
    1. Access Module Resources
    2. Lesson 1 | Calculate Your Surplus
    3. Lesson 2 | Build Your Surplus Stack System
    4. Lesson 3 | Automate Your Money System
    5. Lesson 4 | Increase Your Surplus
    6. Quiz | Uncover Your 30% Surplus
    7. Challenge | 30% Surplus in 30 Days

    1. The Surplus Stack System

      1. Overview of The Surplus Stack System
      2. How to use the monthly budget sheets
      3. How to use the trackers

  3. Reach Three Months in Surplus Savings

    6 lessons
    1. Access Module Resources
    2. Lesson 1 | Build an Emergency Fund
    3. Lesson 2 | Build a Sinking Fund
    4. Lesson 3 | Open a High-Interest Savings Account
    5. Quiz | Reach Three Months in Surplus Savings
    6. Challenge | Save One Paycheque

  4. Pay Off All Consumer Debt

    23 lessons
    1. Challenge | Debt Detox
    2. Access Module Resources

    1. Module 1 | Create Your Debt Payoff Plan

      1. Access Module 1 PDF
      2. Lesson 1 | Know What You Owe
      3. Lesson 2 | Set Your Debt-Free Date
      4. Quiz | Create a Debt Payoff Plan

    2. Module 2 | Reduce Interest

      1. Access Module 2 PDF
      2. Lesson 1 | Understand the Types of Debt
      3. Lesson 2 | Calculate Your Interest
      4. Lesson 3 | Refinance Debt
      5. Lesson 4 | Consolidate Debt
      6. Lesson 5 | Do a Balance Transfer
      7. Lesson 6 | Get a Fixed Loan
      8. Quiz | Reduce Interest

    3. Module 3 | Stay Out of Debt

      1. Access Module 3 PDF
      2. Lesson 1 | Dig Deep
      3. Lesson 2 | Stop the Bleeding
      4. Quiz | Stay Out of Debt

    4. Module 4 | Improve Your Credit Score

      1. Access Module 4 PDF
      2. Lesson 1 | Check Your Credit Score
      3. Lesson 2 | Boost Your Credit Score
      4. Lesson 3 | Handle Your Collections
      5. Quiz | Improve Your Credit Score

  5. Land Your One Year Salary in Investments

    37 lesson
    1. Challenge | Invest Your First $1,000

    1. Module 1 | Calculate Your Numbers

      1. Access Module 1 PDF
      2. Lesson 1 | Understand the Importance of Investing
      3. Lesson 2 | Make Money in the Stock Market
      4. Lesson 3 | Choose Your Tax-Advantaged Account
      5. Lesson 4 | Choose an Online Brokerage
      6. Quiz | Calculate Your Numbers

    2. Module 2 | Allocate Assets

      1. Access Module 2 PDF
      2. Lesson 1 | Calculate Your Risk Score
      3. Lesson 2 | Allocate Your Assets
      4. Lesson 3 | Allocate by Country
      5. Quiz | Allocate Assets

    3. Module 3 | Build Your First 100K Portfolio

      1. Lesson 1 | Build Your First 100K Portfolio
      2. Quiz | Build Your First 100K Portfolio

    4. Module 4 | Choose Your ETFs

      1. Access Module 4 Resources
      2. Lesson 1 | Choose Your Foundation
      3. Lesson 2 | Do Your Research
      4. Lesson 3 | Choose Your ETFs
      5. Lesson 4 | Purchase Your First ETF
      6. Quiz | Choose Your ETFs

    5. Module 5 | Choose Your Dividends

      1. Access Module 5 Resources
      2. Lesson 1 | Calculate Dividends
      3. Lesson 2 | Earn Income with Dividend Stocks
      4. Lesson 3 | Earn Income with REITs
      5. Lesson 4 | Build Your Income Portfolio
      6. Quiz | Choose Your Dividends

    6. Module 6 | Choose Your Stocks

      1. Access Module 6 Resources
      2. Lesson 1 | Understand the True Value of a Stock
      3. Lesson 2 | Perform Economic Analysis
      4. Lesson 3 | Perform Industrial Analysis
      5. Lesson 4 | Perform Qualitative Analysis of your Stocks
      6. Lesson 5 | Read the Financial Statements of your Stocks
      7. Lesson 6 | Calculate the Valuation Ratios of your Stocks
      8. Lesson 7 | Calculate the Profitability Ratios of your Stocks
      9. Lesson 8 | Calculate the Solvency Ratios of your Stocks
      10. Lesson 9 | Calculate the Liquidity Ratios of your Stocks
      11. Quiz | Choose Your Stocks

  6. Secure Your Financial Independence

    5 lessons
    1. Access Module Resources
    2. Lesson 1 | Choose Your Exit Strategy
    3. Lesson 2 | Set up your Withdrawal Buckets
    4. Lesson 3 | Plan your Exit
    5. Quiz | Secure Your Financial Independence