Welcome to the forum. Your Camino has already started, although sounds like its a few years before your set foot in Spain!
Money: You need a plane ticket, equipment, and living costs while you are there. Figure about $1000 for the flights, although that depends where you are coming from, plus another $200 or so getting to the trail head and recovering from jetlag. Equipment cost is all over the map, but you really only need a backpack, shoes, and something to sleep in. Could be done for $300, but you might want some fancy rain gear and wool shirts as well, adding a few more hundred. Living costs on the Camino are low if you stay in Albergues, and eat the Pilgrim menus. Many people do it for 30 euros a day.
Time: Depends on the route, and where you start. There are no rules to this. If you want do do the traditional
Camino Frances from St. Jean in France, its just over a month, depending on the speed you walk. From Canada (or anywhere else far away!) Give yourself at least five and preferably six weeks away from home so you do not feel rushed.
Packing: You can debate this with yourself for the next two years. You need a change of clothes, and layers/rain gear appropriate for the season you walk. Not much else!
Buen Camino