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 First 100K in Investments

   37 lessons

   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