Are you in the black?
You're not bad with money. You just haven't been taught yet.
In The Black is structured financial education for Canadians — over 100 modules across 13 tracks, from emergency funds to financial independence.
Currently in private beta — access opens in waves.
Good evening
Riley
ITB Score
Traction
13 pts to Momentum
Progress
Continue
Tracking Your Spending
Financial Position
One number that tells you the whole story.
The ITB Score is a composite 0–100 across four pillars: financial health, knowledge, preparedness, and goals. It surfaces where your biggest gains are hiding — so you spend time on what actually moves the number.
ITB Score
Momentum
3 pts to Confidence
Learning Map
A curriculum that builds on itself.
Over 100 modules across 13 tracks, sequenced so each concept reinforces the last. Foundations unlock Spending Plan, which informs Debt Management. You always know exactly where you are and what comes next.
Taxation track
What-If Engine
See the compound effect of small changes.
Every module ends with interactive sliders tied to your actual numbers. Move the savings rate and watch your financial independence date shift in real time. The math becomes intuitive when you can feel it move.
What if you saved 5% more each month?
Scenario: $72,000 income · $1,800/mo savings
Before
FI date
2051
At 25% savings rate
After
FI date
2045
At 30% savings rate
5% more each month moves financial independence 6 years closer.
The financial life you want is a skill, not a personality trait.
Join the waitlist. Access opens in waves — we'll let you know when you're up.
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