The Personal-Finance Education You Should Have Gotten in Grad School
Adulting 101 is the 3.5-hour blueprint that turns your high income into actual wealth — without a $300/hr advisor trying to sell you whole life insurance. Built by a physiotherapist who pays his bills with index funds, rental properties, and private lending — not financial sales commissions.
Enroll in Adulting 101 — $350 CAD →You're great at your job. You're also one missed decade away from being broke at 50.
You aced anatomy. You memorized 200 muscle attachments. You spent your 20s in a basement studying while your friends bought condos and started 401(k)s. Now you're in your 30s pulling six figures and… still feel behind.
That's not your fault. You were trained to be a clinician, not the CFO of your own life. Nobody handed you the playbook for:
- The "Doc Tax" — lifestyle creep eating every raise the second it hits your account
- Student loans that compound faster than your TFSA
- An advisor who said "trust me, this whole life policy is an asset" and charged you 200 bps to underperform the index
- Self-employment taxes that ate your bonus three years running
- A retirement number nobody can actually explain to you
Meanwhile every hour you don't bill is an hour you don't earn. The treadmill keeps moving.
Adulting 101 is the financial education you were never given.
3.5 hours. 48 short lessons. One complete blueprint built for North American healthcare professionals — not retail investors, not your dentist's nephew who just got his Series 7.
This is everything I learned in 14 years of clinical practice while quietly building a multi-million-dollar estate through index funds, rental properties, and private lending. It's also everything I wish I'd known at 25, when I was trading evenings for $40/hr clinic shifts and ignoring my RRSP.
You'll walk out with a complete system to:
- Crush your student loans the fastest mathematical way
- Run a "Sleep Well" budget that doesn't require an app you'll abandon in two weeks
- Use your TFSA, RRSP, FHSA, IRA, 401(k), and HSA properly — and know which one to fill in what order
- Decide whether to incorporate, with real numbers
- Build a path to $10K/month of non-clinical income so treating patients becomes a choice, not a sentence
- Stop falling for whole life, IUL, and segregated funds
This isn't theory. It's the playbook a peer with skin in the game uses on his own money.
Who this is built for
Adulting 101 is for
- New-grad physios, OTs, SLPs, RNs, and other allied health pros drowning in $80K–$200K of student debt
- MDs, dentists, pharmacists, vets, and chiropractors making $200K+ but watching most of it disappear to taxes and lifestyle creep
- Clinic owners and self-employed clinicians who never figured out incorporation, T4-vs-dividends, or HST properly
- Anyone in healthcare who's quietly intimidated by their own money
It's not for
- Anyone looking for stock picks or "the next NVDA"
- Anyone who thinks day-trading meme coins is a strategy
- Anyone already running five rentals who wants advanced syndication tactics — that's Adulting 201
What you'll learn — 3.5 hours, 48 lessons, lifetime access
Mindset & The Real Cost of Time
Why your 20s cost you more than your peers', what "Return on Time" actually means, and how to stop trading hours for dollars.
The Sleep Well Budget
A budgeting system designed for clinicians who don't have time for YNAB. Includes the spreadsheet I personally use.
Income, Self-Employment & Incorporation
T4 vs. self-employed vs. incorporated. The math on when to incorporate. How Canadian and US clinicians get taxed — the good, the bad, the very ugly.
Killing Debt Without Killing Your Lifestyle
The fastest mathematical path out of student loans, balanced against not missing a decade of compound returns.
Investing for Healthcare Pros (CA + US)
TFSA, RRSP, FHSA, IRA, 401(k), HSA — what each one actually does, the order to fill them, and how to invest inside them without paying 2% to "manage" it for you.
Buying Your First Home (or Big Life Purchase)
Mortgages, credit scores, when buying is smart and when renting is smarter. Spoiler: it's not always "buy."
Inflation, Spenders & The Long Game
Why your raise isn't a raise. How to invest beyond your professional income. The 7-Step Savvy Saving System.
What I Wish I Knew at 25
The hindsight chapter. Mistakes that cost me real money — written down so they don't cost you yours.
Bonuses included with the course
- Sleep Well Budget spreadsheet
- Rental Property Tracker
- Recession Survival Guide
- Cryptocurrency Checklist
- Robin's Most Influential Booklist (the books that actually moved the needle)
Hi, I'm Robin.
I'm a physiotherapist in Ontario who still treats patients. I'm also a Certified Financial Counsellor (CFC) and the founder of Financially Fulfilled Pro.
I built a multi-million-dollar estate the boring way — index funds, rental properties, and private lending — while practising clinically. No options trading. No crypto leverage. No course-selling guru theatrics.
I'm not the suit your bank assigned you. I'm a peer who got tired of watching colleagues get sold whole life policies they didn't need, ignore their RRSP for a decade, and burn out at 45 because nobody taught them how the money actually worked.
This is the course I wish someone had handed me at 25.
Real reviews from real healthcare professionals
"As a new grad PT, my six-figure student debt felt like a mountain I'd never get over. Robin's course broke everything down into a clinical blueprint I could actually follow. For the first time, I'm not just 'hoping' it works out — I have a date for when I'll be debt-free and a plan for my first home."— Dr. Sarah M., Physical Therapist
"Easily came away with key action points I've incorporated into my day-to-day. As a new grad PT, this information is critical for everyone starting out. Financial literacy is simply not taught in our educational systems and Robin's content provides the framework for financial independence."— Will H., Physiotherapist
"Robin's courses do an excellent job of covering an array of financial topics that will help you gain a broader perspective… A must-take for any practitioner looking to set themselves up so they can have more time to live the life they want on their terms."— Dave Leyland, Owner, Coast Performance Rehab
"After only working with Robin for 6 months, I have gained the knowledge to direct my investments with a specific plan, and successfully purchased our first investment property — which prior to working with Robin wasn't even on our radar."— Ben M., Clinic Owner, The Ortho Institute
"Being self-employed in healthcare is rewarding but terrifying when it comes to taxes and retirement. This was the 'Personal Finance 101' I never got in grad school. I've gone from financial anxiety to a fully funded emergency fund and a growing investment portfolio. Truly life-changing."— Jessica L., Clinic Owner & Pelvic Health Specialist
"I needed a course that laid out the foundations for me. This course delivered. Robin is clearly knowledgeable and very approachable, which made the process worthwhile and seamless."— Nick P., Urologist, MD
"Robin's approach is so refreshing. He isn't a suit trying to sell me a product; he's a colleague who has actually done the work. The Beginner course opened my eyes to real estate strategies I thought were only for 'rich people.'"— Dr. Maya K., Chiropractor
"Robin is knowledgeable and has a real passion for personal finance and investing in an evidence-based manner. He'll take the time to learn about you and offer genuine, personalized tips."— Brian K., MD, PhD
"Robin has a focused, systematic approach to teaching healthcare professionals about financial management. He works with you to identify your problem areas and shows you the right tools to improve them."— Eric O., Physiotherapist, Clinic Owner
$350 sounds like an expense until you see what one bad decision costs.
You make six figures. $350 doesn't move your monthly budget. What moves your budget is the $40,000+ mistake you're one advisor meeting away from. Let's run the real numbers.
- One whole life policy you didn't get sold: $40K–$200K saved over 30 years (premium drag + opportunity cost vs. an index fund holding the same dollars).
- 1% lower advisor fee on a $500K portfolio: $5,000/year. Compound that drag over 30 years — you're looking at six figures, gone, to someone who underperformed the index.
- TFSA vs. RRSP sequenced correctly for your bracket: $30K+ over a career, just from filling the right bucket first.
- Incorporating at the right moment (not too early, not too late): $10K–$50K in taxes optimized over the first decade.
- Skipping the segregated fund your bank "specialist" pitched: 2.0% MER vs. 0.05% on an index. On $300K, that's $5,850/year — every year — for life.
- One decade of compounding not lost: $15K invested at 25 instead of 35 = ~$110K more at retirement. Time, not income, is the real lever.
If this course prevents one of those mistakes — just one — you're up tens of thousands of dollars. $350 is the cheapest insurance policy you'll ever buy on your own future.
Get Adulting 101
- 3.5 hours of video lessons (48 lessons, 8 modules)
- Lifetime access — buy once, rewatch forever
- All bonus spreadsheets and guides
- 60-day money-back guarantee
- Canadian + US tax-advantaged account playbooks
Questions people actually ask
Already past the basics? Adulting 201 picks up where this leaves off.
Once the budget works, the bad debt's gone, and your TFSA/RRSP/Roth/401k is humming, the next decade isn't about saving harder. It's about deploying capital.
Adulting 201 is the intermediate course covering:
- Real estate investing — the four ways property actually pays you, and which strategies fit clinicians
- Private lending at 8–12% without becoming a landlord
- Advanced tax planning — holding companies, income splitting, the Doc Tax problem
- Alternative investments — REITs, MICs, syndications, and how to spot the red flags
- Full portfolio construction across stocks, real estate, lending, and alternatives
- Insurance, wills, POAs, and pensions — the protective layer most clinicians skip
4 hours, 12 modules, $350 CAD standalone — or bundle both courses below and save $105.
Get Adulting 101 + 201 together.
The full curriculum — foundation to estate-building. 20 modules, ~7.5 hours, lifetime access to both courses. The complete blueprint, start to finish.
$700 separately · Save $105
60-day money-back guarantee · Lifetime access · Both courses included