Answer a few quick questions. We'll tell you exactly where to begin.
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🌎
Where are you based?
Tax strategy, account types, and rules change depending on your country.
🎂
How old are you?
This changes everything — your runway, your urgency, and your strategy.
🆘
Do you have an emergency fund?
Cash you can access in 24 hours — not invested, not crypto.
💳
What's your debt situation?
Credit cards, student loans, car payments — anything you owe.
📈
Are you investing yet?
401(k), TFSA, RRSP, brokerage — anything growing your money.
💵
How much can you save each month?
After all bills, food, fun — what's actually left over?
STAGE
Your Starting Point
Here's what to focus on first.
RECOMMENDED LEVEL:—
TODAY'S MOVE
AI-analyzed market intelligence. Updated every morning.
30-Day Prediction Accuracy:
HANDS-OFF INVESTING
Link a brokerage account (read-only — we never move your money) to get balance-aware, auto-generated buy instructions. You confirm and execute every trade yourself in your own broker app.
Powered by Plaid · Read-only · No custody of funds
Auto Buy Instructions
YOUR SITUATION
Be honest. We don't judge. We just fix it.
28
1612 years to freedom39
$
Savings + investments − debt
$
After‑tax take‑home
$
Rent, food, subs — everything
optional
$
% of salary
%
Free money — don't leave it on the table
pre-tax
$
Work bonus, tax refund, yearly windfalls
5
ConservativeModerateFull Degen
👥 LIFE SITUATION
if applicable
$
Monthly after‑tax
if applicable
Years until they're independent
🧠 YOUR KNOWLEDGE LEVEL
🏠 HOUSING
if you own
$
Property value minus mortgage balance
🌍 FOREIGN ASSETS & DEBT
in other countries
$
Property, savings, investments abroad (USD value)
in other countries
$
Loans, mortgages abroad (USD value)
💳 DEBT BREAKDOWN
helps prioritize payoff
10%+ (cards, payday)
$
4-10% (car, student)
$
<4% (mortgage, HELOC)
$
💎 EXPECTING A WINDFALL?
if applicable
$
years from now
50%
MaybeGuaranteed
CHOOSE YOUR AGGRESSION
Every level gets you to 40. How wild are you willing to go?
YOUR RETIREMENT AGE
40
—
25
Years Saved
$1.2M
Target Nest Egg
$1K
Monthly Investment
—
Savings Rate
Net Worth Projection
Income Streams
🇨🇦 TAX STRATEGY
PFC Money Steps
🛡️
TFSA
$0
Available Room
📊
RRSP
$0
Available Room
💰
Tax Saved
$0
RRSP Deduction
Risk Level
—
BondsModerateAggressive☢️ NUCLEAR
YOUR PLAYBOOK
Step-by-step action plan to hit your target
Share your escape plan
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TRACK YOUR PROGRESS
Set goals. Log progress. Crush them. Repeat.
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F65 Advisor
🔥
F65 — Your Retirement Advisor
Ask me anything about retiring by 40. Investments, tax strategy, debt, side hustles — I've got the playbook.