Why investing beats saving, risk vs. return, diversification, why timing the market rarely works, matching goals to timeframes, TFSAs, unit trusts and ETFs, retirement annuities, how fees and commission actually work, spotting investment scams, a decision checklist you can reuse — and the one skill underneath all of it: patience.

You'll answer a few quick questions first — not to test you, but so you (and we) can see what actually changed by the end. There's no wrong answer that matters here except the ones you don't know yet.