Two Sides of a Dime

Two Sides of a Dime I teach 9-5ers and solopreneurs how to turn their income into a consistent paycheque using the stock market, so they can retire young and rich.

Comment “10K” to register
06/02/2026

Comment “10K” to register

It’s about to be a Rich & Fine summer! Join our summer challenge - Walk and Invest 10K.Every other Saturday, we meet at ...
06/01/2026

It’s about to be a Rich & Fine summer!

Join our summer challenge - Walk and Invest 10K.

Every other Saturday, we meet at the park to learn about investing, then we get our steps in while mingling with other ladies.

Then for the rest of the month, try to complete 10,000 steps for at least 10 days.

And by December, invest at least $10,000 into your RRSP or TFSA.

Our first meetup is on June 13th at the Rouge Hill walking trail.

Are you in?

Comment 10K to get the event link!

05/08/2026

The K-beauty layover is happening from May 8th to 11th at 218 Merton Street, Toronto.

Parking is difficult so prepare to walk but those prices will make it all worth it.

What’s on your list?

As someone who’s also experienced a layoff, I know that it’s one of the most gut-wrenching and humbling experiences anyo...
05/06/2026

As someone who’s also experienced a layoff, I know that it’s one of the most gut-wrenching and humbling experiences anyone can go through.

You’re stuck in a loop of self-blame and sheer anxiety, asking yourself what you could have done to avoid this.

Let me the first to tell you that:
a) It’s not your fault
b) There isn’t much you could have done to prevent it

Now, you might not be able to control the decisions that happen at your job, but you can take control of your finances to ensure that that decision doesn’t destabilize you completely.

Share this with someone who needs the guidance. And if you have any questions, ask away.

It’s almost as if……
05/04/2026

It’s almost as if……

Can I be real? Turning 37 feels very bittersweet, so many mixed emotions of sadness and gratitude, mourning the dreams t...
04/20/2026

Can I be real? Turning 37 feels very bittersweet, so many mixed emotions of sadness and gratitude, mourning the dreams that I had to let go of and embracing the blessings that are yet to come. But every day that I’m alive is a reason to celebrate, so cheers to 37!! 🎉🍾

03/23/2026

Comment “podcast” to get the link and let me know what resonated most with you!

03/17/2026

Comment “1K” to access my pre-recorded investing masterclass - How to Invest Your First $1,000

In this week’s episode of The Surplus Stack Podcast, I break down everything you need about your biggest wealth building...
03/13/2026

In this week’s episode of The Surplus Stack Podcast, I break down everything you need about your biggest wealth building tool - your surplus.

I cover:
What a surplus actually is and why it is the foundation of financial progress.

How to calculate your surplus using your net income and monthly expenses.

Why using percentages instead of dollar amounts helps you understand your financial health.

The 4 surplus ranges and what each one means for your finances.

How to determine whether you have an income problem or a system problem.

Why reaching a 30% surplus creates the breathing room needed to save, invest, and pay off debt consistently.

Comment “podcast” and I’ll DM you the link.

03/13/2026

Diversification doesn't mean buy as many random stocks and ETFs as possible.

Diversification is one of the most important investing principles for reducing risk, but most investors do it all wrong.

In today's , I break down the three main ways to diversify your portfolio.

1. Diversify by Asset Class: Different assets behave differently; not every asset class will lead to high profits. Some are designed to keep your portfolio stable, especially when there's a market downturn.

When choosing an asset class, you want at least two of these functions:

- Growth: Choose an asset class that will lead to growth of your investments. The majority of your investments should be in this asset class if growth is your main goal. This is where you choose stocks or ETFs that contain stocks.

- Capital Preservation: You also want to offset your losses by holding assets that keep your capital intact. Fixed-income assets such as bonds, bond ETFs, money market funds, and GICs belong to this category.

-Hedging: Choose asset classes that protect your investments against market uncertainties. Commodities like Gold or Crypto fit this category.

2. Diversify by Country: You always want to invest in multiple geographic regions because the economic climate in one country wouldn't always be favourable.

3. Diversify by Industry: Each industry reacts differently to the economy; high growth could mean more volatility, and stability could mean slow growth. Balance both.

Building your investment portfolio goes beyond choosing hot stocks and requires a thoughtful strategy.

If you would like a free portfolio audit, fill out your details in this form, and I'll share my feedback.

https://www.twosidesofadime.com/portfolioreview

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35 Baldwin St, Toronto
Toronto, ON
M5T 1L1

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