Break the Cycle: Managing Debt and Investing is a financial empowerment program that helps women understand debt traps, reduce their debt, and build long-term financial independence. The program covers how credit card and OSAP debt work, practical steps to pay them down, and habits that prevent future financial stress. Participants learn real-life budgeting strategies, how to build an emergency fund, and how to avoid high-interest products like payday loans and buy now pay later plans. Once the basics are in place, the program introduces simple investing tools such as TFSAs, RRSPs, GICs, and beginner ETFs to show how small, consistent contributions can grow into lasting wealth. The goal is to give women the knowledge and confidence to take control of their financial future.