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
Best Stock Trading Apps in Canada
As a DIY investor, it has been quite rewarding to watch Canada’s best stock trading apps transform over the last nineteen years. When I first…
Best Financial Advisors in Canada
When looking for the best financial advisors in Canada (or best financial planners in Canada) you’re going to run into a lot of slick salespeople…
Maxed out RRSP and TFSA – Now What?
I recently received an email from a reader with a bright financial future. They have a maxed out TFSA and has recently maxed out her…
Investing in Canadian Bank Stocks 2025
Last year (2024) was a very solid year for Canadian bank stocks. Most of us invest in bank stocks for peace of mind, solid dividend…
Best Canadian Dividend ETFs for 2025 (And Why We Prefer Dividend Stocks)
Because I’ve been writing about dividend investing for nearly two decades now, I get a lot of inquiries every month about the best Canadian dividend…
Ultimate Smith Manoeuvre Guide For Canadians
When I first wrote about the Smith Manoeuvre (18 years ago!) – a method to transform your mortgage into a tax-deductible loan – I never…
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.
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Highest Rated Product Reviews
Qtrade Review 2025 – Canada’s Best Broker
What Is Qtrade Direct Investing? Is it Legit? Qtrade Direct Investing is…
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…
PolicyMe Review (Term & Critical Illness Insurance Online)
Solid term life insurance and critical illness insurance are essential parts of…
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.
ATD.TO when does a growth stock cease being one ?
January 14, 2025 on post Best Canadian Dividend Stocks – January 2025Hi Mac, So when I looked up the Manulife Mawer Balanced Fund 5452 it says that it’s a basic 60-40…
January 13, 2025 on post Best All-in-One ETFs in Canada 2025I started with Questrade and initially had great service with them. More recently we’ve had nothing but trouble with them,…
January 8, 2025 on post Questrade Review 2025There must be a limitation here somewhere. Are you saying I could deduct 100% of my taxable income if I…
January 6, 2025 on post Ultimate Smith Manoeuvre Guide For CanadiansThank you for the 2025 update! Just started my SM last month.
January 5, 2025 on post Ultimate Smith Manoeuvre Guide For CanadiansHello there, I have been reading a lot about how all in One ETF can be better than a mutual…
January 5, 2025 on post Best All-in-One ETFs in Canada 2025Can you explain what you mean when you say HXT no longer makes sense in a corporation if the RDTOH…
January 4, 2025 on post Best Swap ETFs in Canada: Horizons Total Return FundsUnfortunately EQ bank doesn’t allow bill pay. Nor does Simplii. Ex if you have a USD cc, it’s great to…
January 3, 2025 on post Best USD Bank Accounts in Canada 2025
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
Macsp
Thank you, XBAL or VBAL is what I was thinking too. If I need some growth, I am wondering if…
January 14, 2025 on post Best All-in-One ETFs in Canada 2025