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!

As Featured On

Smith Manoeuvre

Have I Given Up on the Smith Manoeuvre?

By FT June 12, 2021

Out of many investing topics written about on Million Dollar Journey, the Smith Manoeuvre was one of the first and among the most…

tangerine world mastercard

Tangerine World Mastercard Review

By Meg Goodmanson June 12, 2021

When digital bank Tangerine launched their no-fee World Mastercard in 2019, they announced that they were taking their award-winning Money-Back Credit Card “to…

td aeroplan visa

TD Aeroplan Visa Infinite Review

By Meg Goodmanson June 11, 2021

Recipient of multiple 2021 credit card awards, including our own Best Aeroplan Card prize, the TD Aeroplan Visa Infinite is widely recognized as…

amex gold

Amex Gold Rewards Card Review 2021

By Meg Goodmanson June 7, 2021

There are only a few charge cards available to the Canadian market, and all of them are offered by American Express, so our…

georgia trip13

Travelling to Tbilisi Georgia: Bougie on a Budget

By Kyle Prevost June 5, 2021

I’ve never been a travel blogger. I’m not well travelled enough to be an authority on how to do it well, or which…

tangerine moneyback new

Tangerine’s No-Fee Cash-back MasterCard – The Cash Back King? (June 2021 Update)

By Meg Goodmanson June 5, 2021

This was originally a guest post by credit card enthusiast and regular reader –  Elbyron, written back in 2015. Now, it’s the time…

Canadian Discount Brokers

Canadian Online Discount Stock Brokerage Comparison 2021

By FT June 4, 2021

I’ve been using and reviewing Canadian online discount brokerages for over fifteen years now.  (Yes, my very first look at Canada’s online broker…


Qtrade Review 2021 – Canada’s Best Broker

By Kornel June 4, 2021

What Is Qtrade Direct Investing? Is it Legit? Qtrade Direct Investing is part of Aviso Wealth, a national financial services company owned by…

Investing In Canadian Bank Stocks

Investing in Canadian Bank Stocks – Juicy Dividends Ripe for the Picking (June 2021 Edition)

By Dale Roberts June 4, 2021

Investing in Canadian bank stocks, as well as Canadian insurance companies, has always served Canadians well. Canadian banks in particular enjoy a very…

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, just click here to get an instant download.


Million Dollar Journey Chef's Recommended

Financial Freedom Updates - General Finance - Retirement - Smith Manoeuvre

Have I Given Up on the Smith Manoeuvre?

FT - June 12, 2021
Credit Cards - General Finance - Product Reviews

Tangerine World Mastercard Review

Credit Cards - General Finance - Product Reviews

TD Aeroplan Visa Infinite Review

"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.

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Highest Rated Product Reviews

Community is everything.

Million Dollar 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 2021.

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