I came to Canada from the UK as an immigrant, carrying the same hopes that so many families arrive with—the dream of opportunity, stability, and a better future. Like many immigrant families, we worked hard, played by the rules, and trusted that if we did the right things, everything would work out.

But no one ever sat us down and explained how money really works.

Later in my career, I became an accountant, helping corporations grow profits, manage risk, and build wealth. Ironically, even with that professional background, I realized I had never been taught how to manage or invest money on a personal level. If someone with my education and experience felt uncertain, I couldn’t stop thinking about how many families were being left behind.

That question is answered for me every day.

I meet families who are doing everything right—working long hours, saving what they can, and sacrificing for their children—yet still feel anxious about their financial future. The education system didn’t teach them. The banking system didn’t explain it. And too often, they’re left feeling confused, intimidated, or afraid of making the wrong decision.