First 100 lock $30/month for life

A course built like a climb, not a content dump.

Surplus gives members a clear path: fix the money leak, build discipline, grow income, use AI as leverage, and stay around people who are moving too.

Join the waitlist View member portal
6core modules from foundation to wealth basics
30day starting path so members know what to do first
12+templates, prompts, and tools included
What you unlock

The Surplus value stack.

Modules, Discord, AI prompts, spreadsheets, live calls, referral rewards, and a founding badge for early members.

$30
M
Full module libraryBudgeting, income growth, AI, business, property, and wealth basics.
Course
C
Private Discord serverAccountability, questions, wins, networking, and people climbing too.
Community
AI
AI prompts and workflowsPrompts for planning, business, content, research, and daily execution.
Tools
F
Founding badge and affiliate linkFirst 100 get a badge. Every referred member earns you one free month.
Perks
Included every month Templates, live workshops, and new drops Spreadsheets, calculators, recordings, Q&A, updated playbooks, and no price increases for early members.
1 free month for every new member who joins with your affiliate link
Course Modules

What members unlock inside Surplus.

The curriculum starts with your real life, then builds into money control, income, AI, business, and putting surplus to work.

Module 01

The Wake-Up

The mindset shift that starts everything: nobody is coming to save you, so build the system and standard now.

Start here
Origin storyFrom helper at 11 to business owner at 19.
The clickWhy waiting for rescue keeps people stuck.
Discipline stackHow to work while life is already busy.
Module 02

Money Control

Budgeting for people who hate budgeting. Know the number, find the leak, and stop letting money disappear.

Budget system
Zero-based setupGive every dollar a job before it vanishes.
Expense auditFind the first $300-$1,200 in leaks.
BuffersEmergency fund, sinking funds, and calm.
Module 03

Income Ladder

Grow from where you are: job, trade, side hustle, service offer, or a skill people will pay for.

Earn more
First $500A simple first side-income plan.
Offer buildingTurn a skill into a clear paid outcome.
PricingStop guessing what your time is worth.
Module 04

AI as a Tool

Practical AI for planning, writing, research, decisions, business operations, and creating more output.

Leverage
Personal AIPlan weeks, compare choices, organize life.
Business AIQuotes, SOPs, customer messages, follow-up.
Content engineTurn one idea into posts, scripts, and clips.
Module 05

Business and Trades

Lessons from starting young, working a job, learning under pressure, and using standards to create trust.

Operator mode
First customersReferral, local trust, and simple outreach.
Service standardsQuality, communication, and follow-through.
Keep learningHow the 9-to-5 can fund the bigger plan.
Module 06

Property and Wealth Basics

First property decisions, renovation thinking, long-term investing basics, and what to do when surplus appears.

Put money to work
Property lensPrimary home with investment thinking.
Risk basicsRenovation, resale, cash, and patience.
Index fundsSimple long-term investing education.
First 30 Days

A clear first month, not content overload.

Members should leave month one with clarity, a working budget, a first income plan, and an AI workflow they can actually use.

Week 01

Audit your real life.

List income, bills, debts, subscriptions, and pressure points.

DeliverableYour true monthly number and leak list.
Week 02

Build the budget rhythm.

Set up the monthly budget and weekly check-in system.

DeliverableA live budget you can run every week.
Week 03

Pick your income move.

Choose one income track and map the first $500/month attempt.

DeliverableA first offer, outreach plan, or raise plan.
Week 04

Install AI into the system.

Use AI to plan, write, research, organize, and execute faster.

DeliverableYour first AI workflow and weekly action plan.
Templates

Spreadsheets that make the system visible.

Built for Google Sheets and Excel-compatible. Plug in your numbers, follow the prompts, and let the formulas show the next move.

B

Monthly Budget

Zero-based budget with category alerts and weekly review flow.

D

Debt Snowball

Side-by-side payoff calculators for snowball and avalanche.

N

Net Worth Tracker

Track cash, investments, equity, liabilities, and trajectory.

S

Sinking Funds

Plan irregular expenses before they wreck the month.

I

Side Income Log

Track gigs, hours, rates, profit, and best income plays.

+

More Tools

Savings goals, expense audit, salary calculator, AI prompts, and more.

Why Surplus

Not another guru course.

People have seen the rented cars, vague advice, and overpriced courses. Surplus should feel different immediately.

Typical online courses

  • Expensive upfront pricing before trust is built.
  • Advice from people too far removed from the beginning.
  • Polished lifestyle content with unclear next steps.
  • One-way videos with no real community.
  • Generic motivation that fades after a week.

Surplus by Rosario

  • First 100 members get $30/month for life with no price increases.
  • Real-time lessons from someone still building the climb.
  • Budget sheets, AI prompts, income plays, and weekly actions.
  • Discord community for questions and accountability.
  • Founding badge plus affiliate links that earn free months.
Recording Plan

Record this intro first.

This video can live on the site and get chopped into TikToks, Reels, and shorts. Keep it raw, direct, and specific.

"I went from zero to roughly $200K across income streams by 21, and I am still not pretending I made it."
"Most courses are sold by people at the finish line. Surplus is from someone still doing the work in real time."
"Nobody is coming to save you. That thought changed my life, and this community is built for people ready to act on it."

Ready to start the climb?

Join the waitlist for the first-100 founding rate: $30/month for life, no price increases, a founding badge, and referral links that earn free months.

Join the waitlist Preview the portal