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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Accounts For Retired Canadians

Withdrawing From RRSP and TFSA For Retired Canadians in 2022

By Kyle Prevost December 3, 2022

After writing a deep dive article on whether the 4% safe withdrawal rate still works for retirement at various ages, I received a…

tax efficient etfs

Tax Efficient Index ETF Portfolio for Non-Registered Account

By FT December 1, 2022

There may come a point during the year that you max out your registered Canadian investment accounts, or if you are living abroad,…

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EQ Bank Review 2022 – Best Rates in Canada

By Kornel November 28, 2022

EQ Bank Account Options and Interest Rates Account Type Interest Rate Best For Daily High Interest Account 2.50%* People who want the highest…

Ultimate Guide To Safe Withdrawal Rates In Canada

Safe Retirement Withdrawal Rate Strategies in Canada

By Kyle Prevost November 27, 2022

So you have been reading MDJ for years, have used your Canadian online broker account to DIY-invest your way to a solid nest…

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Neo Financial Mastercard Review

By Kyle Prevost November 25, 2022

The new Neo Financial Mastercard or “Neo CardTM” is the next big thing in Canadian credit cards. We’ve seen tech companies disrupt everything…

best brokers canada

Best Canadian Online Brokers & Trading Platforms

By FT November 24, 2022

As we head into fall, it’s time for the October update to our 2022 Best Canadian Online Brokerage Comparison. When I started MDJ…

Smith Manoeuvre

Ultimate Smith Manoeuvre Guide For Canadians

By FT November 22, 2022

I’ve been writing about how to start the Smith Manoeuvre and transform your mortgage in a tax deductible loan since 2007. In fact,…

retire with debt canada

Retiring With a Mortgage or Other Debt in Canada

By Kyle Prevost November 19, 2022

How much debt is OK in retirement? Do I need to get out of debt before I retire? What percentage of Canadians retire…

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Qtrade Promo Code 2022-2023

By Jordan November 19, 2022

Not only do they currently occupy the top spot in our Canadian Discount Brokerage rankings, the new Qtrade Promo Code for the 2022…

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

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Withdrawing From RRSP and TFSA For Retired Canadians in 2022

Kyle Prevost - December 3, 2022

Tax Efficient Index ETF Portfolio for Non-Registered Account

Banking - General Finance - Index Investing - Investing - Product Reviews - Retirement

EQ Bank Review 2022 – Best Rates in Canada

"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 2022.

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