Let’s be real—
You work hard, earn decent money, and maybe even put a little into savings each month. But deep down, it still feels like you’re *behind*. Like you’re missing something.
You wonder where all your money is going. You’ve tried budgeting apps, binge-watched YouTube finance gurus, maybe even sat through a call with your bank. But it all just feels… disjointed.
If you’re like most Canadians I work with, you’ve hit that point where you’re ready to actually take control of your money. Not just someday, but now. You don’t want to “wing it” anymore. You want clarity, confidence, and a system that makes wealth-building feel possible, not overwhelming.
I see it all the time—and the truth is, the problem isn’t you.
The Smart Money Shifts That Build Wealth — Without Guilt or Confusion
💡 Shift 1:
Stop Budgeting Like You’re Broke
Most budgeting advice is built around guilt. Cut out your lattes. Track every dollar. Say no to fun.
The problem… That kind of scarcity mindset doesn’t work for people who are trying to grow their money—not just survive.
Instead of obsessing over expenses, shift your focus to automating your finances and optimizing your cash flow. Budgeting isn’t about restriction—it’s about creating space for wealth-building and intentional living.
💡 Shift 2:
Your TFSA Is Not Just a Savings Account
Too many Canadians are treating their TFSA like a tax-free piggy bank. But this account is one of the most powerful long-term investing tools you have, when used properly.
If you’re just parking your money in a high-interest savings account, you’re leaving thousands on the table. When invested in the right mix of ETFs or stocks, your TFSA can become your freedom fund, growing tax-free for life.
💡 Shift 3:
You Don’t Need to Be a Stock Market Expert, or a Crypto Bro
It’s easy to feel overwhelmed by the noise: hot stock picks, crypto hype, recession fears, market crashes…
And while headlines might make it seem like you need to become an expert trader or ape into the next crypto coin to get ahead, the truth is: You don’t need to be extreme—you just need to be intentional.
Wealth isn’t built from prediction—it’s built from systems.
Even as the world of money evolves (hello, DeFi, ETFs, and AI-driven portfolios), the most powerful approach is still the one that aligns with your risk profile, lifestyle, and long-term goals.
💡 Shift 4:
Saving Without a Plan Is Just Hoarding
Many Canadians are great savers. But saving alone won’t make you wealthy— investing with intention will.
If you’re stashing money without a clear purpose or strategy, you’re just holding it hostage. Whether it’s for retirement, a home, or semi-retirement at 50, your money needs a job description. The clearer the goal, the easier the plan.
💡 Shift 5:
The Real Flex? Feeling in Control of Your Money
Forget keeping up with the Joneses or chasing the next financial trend. The ultimate win is knowing exactly where your money is going, how it’s working for you, and what your future looks like.
That’s not just financial freedom—it’s peace of mind.
➕ Bonus:
Wealth Is Built Through Calculated Risks—Not Playing It Safe Forever
If you’ve been taught to “just save and wait,” you’re not alone. Traditional finance advice often teaches fear instead of confidence.
But here’s the truth: risk is not the enemy.
The real danger is avoiding all financial growth opportunities because you don’t feel prepared.
Understanding how to take smart, calculated risks—whether through investing, side hustles, or exploring crypto—is one of the most valuable financial skills you can develop. And yes, it can be taught.
If you’re still reading, you’re probably realizing one thing:
You were never taught how to actually build wealth.
Not in school. Not by your bank. And definitely not by those late-night YouTube algorithms.
But here’s the good news:
You don’t need a finance degree or a six-figure income to take control of your money.You just need the right roadmap—and someone in your corner to help you follow it.
Hey — I’m Jo Arsenault
Founder of Get Smart With Money.
I’m a personal finance and investing coach based in Canada, and I help everyday professionals simplify their money, start investing with confidence, and finally feel in control of their financial future.
Why do I do this?
Because I’ve been that person—working hard, saving what I could, trying to “do the right things,” but still feeling stuck.
When I finally stopped relying on outdated advice and started learning how to invest, manage risk, and build wealth on my terms—everything changed.
Now, I coach Canadians who are tired of feeling behind. People who want real support, clear strategies, and a system that actually works in real life—not just in theory.
That’s why I built a coaching program designed for people just like you.
Master Your Money Coaching Program
This is a 1-on-1 coaching program designed to help Canadians take control and simplify their finances, build a personal investing roadmap, and create a system for long-term wealth building. Together, we’ll develop a strategy that fits your goals and lifestyle, so you can stop feeling behind and start moving forward with confidence, while having fun.
Ready to take control of your finances—for real this time?
Book a free 15-minute discovery call and let’s map out the first steps of your financial game plan.
No pressure. No jargon. Just a conversation to see if coaching is right for you.
What You’ll Get Out of This Coaching Program
With this 1 on 1 personalized coaching program, you’ll walk away with:
✅ Clarity on where your money is going and what to do with it
✅ A personalized, step-by-step plan that fits your lifestyle and goals
✅ A simple investing strategy tailored for long-term wealth building (think: TFSA, RRSP, and beyond)
✅ Confidence to make smart money moves—without second-guessing every decision
✅ A system you can stick to, even when life gets busy
No more guesswork. No more overwhelm. Just a clear roadmap—and ongoing support to follow it.
Why Work With Me?
- Real investing and trading experience
- A no-BS approach that cuts through the fluff
- Deep knowledge of Canadian accounts and strategies
- And most importantly… a passion for helping people stop surviving and start building wealth
This isn’t just another financial “course”, it’s a personalized coaching designed to get you results.
How It Works (3 Simple Steps)
Book your free discovery call
We’ll talk about your goals, your current financial setup, and whether coaching is a fit.
Get a personalized roadmap
I’ll build a clear step-by-step plan based on your goals, lifestyle, and confidence level.
Start building wealth on your terms
You’ll finally have a strategy that makes sense—and the support to stay on track.
What To Expect With This Coaching Program
When you sign up for the Master Your Money Coaching Program, you’ll get:
🧭 6 one-on-one Coaching Calls
Private Zoom sessions tailored to your needs—no generic advice, no recycled slides.
📝 Your Personal Financial Roadmap
A customized plan to get you from where you are to where you want to be—with clear steps, realistic milestones, and flexible timelines.
📊 Simple Tools & Templates
Get plug-and-play budgeting frameworks, investment trackers, and wealth-building worksheets that actually make sense.
🇨🇦 Canadian-Specific Strategy
Everything is built with the Canadian financial system in mind—TFSAs, RRSPs, taxes, investment accounts, and more.
📩 Support Between Sessions
Have a question? Hit a roadblock? You’ll have access to me between sessions so you’re never stuck Googling in the dark.
💬 Accountability & Encouragement
Because knowing what to do isn’t the same as doing it. I’ll help you stay consistent—even when life gets chaotic.
Ready to take control of your finances—for real this time?
Book a free 15-minute discovery call and let’s map out the first steps of your financial game plan.
No pressure. No jargon. Just a conversation to see if coaching is right for you.
