Your Scorecard Found the Gaps. This Is How You Close Them.

$47 CAD

The Retirement Readiness System gives Canadian couples the worksheets, calculators, and conversations to turn every weak category in your Retirement Readiness Score into a decision you've actually made.

Get the Workbook Bundle ($47)

Knowing your score was the easy part.

If you've completed the Retirement Readiness Scorecard, you already know where your plan is strong, and where it isn't. Maybe it was CPP timing. Maybe the RRIF tax problem you'd never quite looked at. Maybe the conversation you and your partner keep not having.

Here's what happens to most couples next: nothing.

Not because the gaps don't matter. They can cost tens of thousands of dollars. It's because "we should look into that" is not a plan. The information is scattered across government websites, bank brochures, and advice columns that weren't written for your situation. So it waits. And some of these decisions, like CPP, can only be made once.

The Retirement Readiness System exists so that "we should look into that" becomes "we did that, here's our answer, it's written down."

 

Eight modules. Three calculators. One completed plan.

The Retirement Readiness System

28-page workbook (PDF + editable Word file). Eight modules matched to your eight scorecard categories, the Survivor's Binder, and the 90-Day Action Plan.

The Calculator Suite

CPP Breakeven, OAS Clawback Checker, and RRIF Minimum Projector. Type only in the blue cells. Everything else calculates itself.

 

The Four Couple Conversations

Structured guides for the retirement date, the Tuesday test, the budget number, and "could you manage alone?" Answered separately, then compared

What's a $47 workbook worth?

A single uncoordinated CPP decision can leave $40,000 to $100,000 on the table over a retirement. An unoptimized income split between partners commonly overpays tax by $3,000 to $12,000 per year. The wrong TFSA designation can hand the CRA a slice of a surviving spouse's tax-free savings.

We can't promise the workbook finds those dollars in your

situation. That depends on your numbers. We can promise you'll finally know your numbers.

The bundle includes:

  • The Retirement Readiness System (28-page PDF, print-ready)
  • The same workbook as an editable Word file
  • The Excel Calculator Suite (3 calculators, 2026 figures)
  • Bonus: The Survivor's Binder + 90-Day Action Plan

The $47 is credited toward any future paid engagement with Joyful Retirement. If you go on to work with us, the workbook is effectively free.

Get the Workbook Bundle

What our students are saying

Melanie Joye

"As someone who is contemplating retirement in the very near future, there was a lot of useful information shared. I learned how important it is to invest for your retirement wisely and also how important it is to have a PLAN."

 

Jeannette Folane

"The information was valuable, the material was well organized, the workbook is a take-home treasure and the instructor was engaging and entertaining. This course not only prompted me to change my action plan for our finances, but also to think differently about the whole life-shift of retirement."

Karen Butchko

"I wish I would have taken this course years ago. It was a real eye opener. Not only do you get a lot of information in the materials provided, they also give tips on various tax and investment benefits I didn't know about."

 

Frequently Asked Questions

 

A gap found now is a gap that can be closed.

You've already done the hard part: thirty years of saving. The workbook makes sure those savings get the income plan they deserve.

Get the Workbook Bundle

Instant download. 30-day guarantee. Credited toward any future engagement.