StretchLearn Course

Stop guessing about retirement and build an actual roadmap

Understand RRSPs, TFSAs, 401(k)s, and IRAs and write your personal plan this week

Beginner9 hrSelf PacedRegistered

Course Overview

What this course is designed to develop

Retirement planning feels overwhelming because it mixes tax law, investing, and a future that is decades away into one anxious blur. This course separates those threads: it explains exactly how the main tax-advantaged accounts work in Canada and the United States, shows with real numbers how compound growth and an employer match decide most of your result, and walks you through estimating how much you will actually need. You finish with a written, age-appropriate roadmap that names which account to fund first, how much to contribute, and how you will eventually turn the pile into a paycheque.

Learning Outcomes

What the learner should be able to understand, build, or execute.

Explain how RRSPs, TFSAs, 401(k)s, and Roth and Traditional IRAs differ in tax treatment and withdrawal rules

Calculate how compound growth, fees, and starting age change a retirement balance over 30 years using real figures

Estimate your retirement number with the 25x rule and the 4 percent safe-withdrawal guideline

Order your savings using a clear waterfall that captures any employer match before anything else

Choose age-appropriate contribution amounts and a simple low-cost investment mix for your accounts

Build a one-page retirement roadmap covering target number, monthly contribution, account order, and review cadence

Curriculum Preview

Inside the curriculum: a structured path from fundamentals to execution.

Preview the course structure, see how the modules build on one another, and understand the path this program is designed to take you through.

Module 1

Module 1: Why Retirement Planning Works

Understand what retirement saving really is, why compound growth and starting early dominate the result, and how inflation and time horizon shape every decision you will make.

3 lessons

What You Are Actually Saving ForContent · 45 min

Preview Enabled

Compound Growth and the Cost of WaitingContent · 45 min

LMS Access

Inflation, Time Horizon, and Realistic ReturnsContent · 45 min

LMS Access

Module 2

Module 2: The Retirement Accounts Explained

Learn exactly how RRSPs, TFSAs, 401(k)s, and Roth and Traditional IRAs work, how they are taxed, what the contribution limits are, and which fits which situation.

3 lessons

RRSP and TFSA: The Canadian ToolkitContent · 45 min

LMS Access

401(k) and IRA: The US ToolkitContent · 45 min

LMS Access

Choosing Your Account Order: The WaterfallContent · 45 min

LMS Access

Module 3

Module 3: Finding Your Number

Estimate how much you actually need to retire using replacement-rate budgeting, the 25x rule, and the 4 percent safe-withdrawal guideline, then locate your gap.

3 lessons

Estimating Your Retirement SpendingContent · 45 min

LMS Access

The 25x Rule and the 4 Percent GuidelineContent · 45 min

LMS Access

Closing the Gap: Are You On Track?Content · 45 min

LMS Access

Module 4

Module 4: Building and Maintaining Your Plan

Turn the concepts into action: choose simple low-cost investments, automate contributions, build a one-page roadmap, and understand how you will draw income in retirement.

3 lessons

Investing Inside Your Retirement AccountsContent · 45 min

LMS Access

Automating Contributions and Staying the CourseContent · 45 min

LMS Access

Your One-Page Roadmap and Drawdown PlanContent · 45 min

LMS Access

Built for Application

A complete learning path, not a one-off inspiration hit.

This program is designed around progression: focused lessons, structured modules, applied resources, assessments, and a course rhythm that turns information into usable capability.

retirement planningRRSPTFSA401(k)Roth IRAcompound interest4 percent ruleemployer match