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 Canadian Robo Advisors 2026
With Wealthsimple now more focused on being a crypto trading and online betting site instead of an investing platform, we see other contenders pulling ahead…
Wealthsimple Review 2026
What is Wealthsimple? Wealthsimple was founded in 2014 by Michael Katchen, Brett Huneycutt, and Rudy Adler. I’ll be upfront about my bias here. I liked…
Questrade vs Wealthsimple – Which is Better in 2026?
The Wealthsimple vs Questrade battle for Canadians’ investment dollars has become much more prominent over the last few years as each company has upped their…
Questrade Review 2026
Is Questrade Safe & Secure? One of the most common questions that I have gotten in the comments below is: Is investing my money through…
Buying a House in Canada – Why I Can’t Wait To NOT Be a Homeowner
I originally wrote this article about buying a house in Canada back in 2021 – right as the price of housing was picking up. I’ve…
Investing in Rare Earth, Strategic, Minor and Industrial Metals
While we on Million Dollar Journey generally recommend straightforward investments like Canadian dividend stocks and index investing using Canadian ETFs, there is a growing curiosity…
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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.
Highest Rated Product Reviews
Qtrade Review 2026 – Canada’s Best Broker
Current Qtrade New Customer Promotion In 2026, brokerage promotions only matter if…
Questrade Review 2026
Is Questrade Safe & Secure? One of the most common questions that…
Wealthsimple Review 2026
What is Wealthsimple? Wealthsimple was founded in 2014 by Michael Katchen, Brett…
EQ Bank Review 2026
EQ Bank Account Options and Interest Rates Account Type Interest Rate Best…
Dividend Stocks Rock Review 2026
Investing on your own is not an easy task. From mutual funds…
Neo Financial Mastercard Review 2026
The new Neo Financial Mastercard or “Neo MastercardTM” is the next big…
Justwealth Review 2026
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 2026.
Hi Fran, That’s an interesting assessment of risk. I don’t mean that in any pedantic way, I genuinely haven’t seen…
April 27, 2026 on post Best Financial Advisors in CanadaNot sure you understand how ETFs or index investing works Steven. Returns have been pretty incredible the last 16 years!
April 27, 2026 on post Tax Efficient Index ETF Portfolio for Non-Registered AccountRemember, leverage always carries risk though JJ. What happens if prices go sideways for another 5 years?
April 27, 2026 on post Buying a House in Canada – Why I Can’t Wait To NOT Be a HomeownerWould be interesting too see how things stack up if you include the Smith Manoeuvre in the calculations.
April 27, 2026 on post Buying a House in Canada – Why I Can’t Wait To NOT Be a HomeownerThere are several advantages or tax strategies using a rental. One can do cash dam and smith maneuver and accelerate…
April 27, 2026 on post Buying a House in Canada – Why I Can’t Wait To NOT Be a HomeownerThey might be tax efficient, but saddly you’ll die broke investing in them. Dismal returns both short and long.
April 26, 2026 on post Tax Efficient Index ETF Portfolio for Non-Registered AccountIf HELOC is owned jointly by husband and wife, and suggested to put investments (and thus interest tax deduction) under…
April 25, 2026 on post Ultimate Smith Manoeuvre Guide For CanadiansGold is lot better than anything that can be printed on a piece of paper Precious metal certificates from RBC,…
April 23, 2026 on post Investing In Gold In Canada 2026
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








Jay Jani
Every investment has a risk and stock market is one of the riskiest but the point is in the long…
April 27, 2026 on post Buying a House in Canada – Why I Can’t Wait To NOT Be a Homeowner