Helping Canadians with Personal Finance Since 2006
Learn how to save money, build an investment portfolio, and become financially independent - from a middle-class Canadian who has actually done it!
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Most Recent Articles
Wealthsimple Trade Review 2025
What is Wealthsimple Self-Directed Investing (Formerly Wealthsimple Trade)? Wealthsimple self-directed investing is an online brokerage that lets you buy individual stocks and other assets. It’s…
Interactive Brokers Canada Review 2025
What is Interactive Brokers? Interactive Brokers Canada is part of the parent company Interactive Brokers Group, Inc., which has been around for nearly 50 years…
Will the AI Bubble Pop In 2025 or 2026? How About Nvidia and OpenAI?
Back in the spring I wrote about AI investing in Canada, and why I was pretty cautious about advising anyone to invest in the AI…
New Wealthy Barber Book Review
All of the new Wealthy Barber (2025) reviews out this past week have been glowing. Roy Miller the all-knowing barber is back, as the 1989…
Canada Federal Budget 2025: What It Means for You
Canada’s 2025-2026 federal budget came out this week, and while the general consensus seems to be “nothing major to see here,” there were a fair…
Qtrade Review 2025 – Canada’s Best Broker
Current Qtrade New Customer Promotion Qtrade currently has the best cash-back promo offer on the market in an effort to get you to try their…
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About Us
Thanks for Stopping By...
If you're new around here, I go by Frugal Trader and I started this site back in 2006 to set goals for myself and track my learning progress. Over the last fourteen years, I've publicly shared my path to financial freedom, from what discount brokerages and high interest savings accounts I use, to the unique ways I've found to save money.
The Million Dollar Journey team is proud to now include writers from all across Canada, representing a diverse array of backgrounds and unique points of view.
If you want to learn more about me and my team, check out our About Page. If you want to learn more about Canadian money stuff like RRSPs, TFSAs, and daily savings tips, start with our Financial Freedom 101 section. Finally, if you want to receive the free eBook I recently wrote about how to organize your Canadian life and portfolio for retirement at any age, simply sign up below.
"I've completed my million dollar journey...
Want some help with yours?”
Instantly download our free eBook on tips for how to organize your RRSP, TFSA, and other investments, in order to get the most out of your retirement at any age.
Highest Rated Product Reviews
Qtrade Review 2025 – Canada’s Best Broker
Current Qtrade New Customer Promotion Qtrade currently has the best cash-back promo…
Questrade Review 2025
Is Questrade Safe & Secure? One of the most common questions that…
Wealthsimple Review 2025
What is Wealthsimple? Wealthsimple was founded back in 2014 by Michael Katchen,…
EQ Bank Review 2025
EQ Bank Account Options and Interest Rates Account Type Interest Rate Best…
Dividend Stocks Rock Review 2025
Investing on your own is not an easy task. From mutual funds…
Neo Financial Mastercard Review 2025
The new Neo Financial Mastercard or “Neo MastercardTM” is the next big…
Justwealth Review 2025
Why Justwealth? As I’ve updated my Justwealth review over the years, they…
Community is everything.
Million Dollar Journey.com began back in 2006, and boasts nearly 50,000 comments. Benefit from their collective wisdom and read what our community has to say about Canadian finance in 2025.
FYI, RBC has a list of 50 commission free ETFs as of fall 2025. https://www.rbcdirectinvesting.com/accounts-investments/etfs/commission-free-etfs.html. Details claimed: – Buy and…
November 15, 2025 on post RBC Direct Investing Review 2025: Fees, ETFs, Account Options and MoreIt’s either a “Best Canadian DIVIDEND Stock” or it isn’t. If I’m looking for a list of “Best Canadian Capital…
November 13, 2025 on post Best Canadian Dividend Stocks – December 2025Thanks so much for all the kind words. I really like the highlights you chose. Please stay in touch! Dave
November 12, 2025 on post New Wealthy Barber Book ReviewI mean… it’s just crazy Edward. Like, let’s say your account was worth $1,000,000. That means they’re getting $15,000 every…
November 9, 2025 on post Justwealth Review 2025Yes – it definitely does that RC! You’re not wrong! Just gotta make the saving/investing as automatic as paying the…
November 9, 2025 on post Buying a House in Canada – Why I Can’t Wait To NOT Be a HomeownerHi Mike, We can share anecdotes back and forth all day. I know several young people who didn’t take promotions…
November 9, 2025 on post Buying a House in Canada – Why I Can’t Wait To NOT Be a HomeownerYou need to update your information on Wealthsimple support. They NO LONGER offer email support nor phone support. You need…
November 7, 2025 on post Wealthsimple vs. RBC InvestEase – 2025 ComparisonIs it ok for one spouse to claim the interest deduction and have the other spouse claim the investment income?…
November 6, 2025 on post Ultimate Smith Manoeuvre Guide For Canadians
Final notes for your journey
Get free instant access to our #1 article each week!
We've got a ton of information here , and after helping thousands of Canadians get started over the years, I know the information overload can be a bit intimidating.
Every journey begins with just a small step! If you are unsure where to start, check out these index investing strategies or Canadian dividends guide, two of my most useful money making methods over the years. Or read my net worth updates to see exactly what I did to reach the million dollar mark.
Be good with your money and thanks for being a part of the MDJ Community. Don't forget to sign up below so that you'll get our "Monday Morning Coffee" email that will fill you in on the writing we have done that week.
- FT and the Million Dollar Journey Crew








Tom Swift
Sounds very interesting but the restrictive ebook system is a red flag. Why is this not available on Kindle or…
November 17, 2025 on post New Wealthy Barber Book Review