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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Smith Manoeuvre

Ultimate Smith Manoeuvre Guide Canada

By FT October 25, 2021

We’ve been writing about the Smith Manoeuvre and turning your mortgage into a tax deductible loan for well over a decade. Since I…

commodity investing canada

Investing in Commodities in Canada

By Yang October 23, 2021

So you’re ready to make the leap from a passive all-in-one ETF and speculate a bit by looking into investing in Canadian commodities?…

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Nest Wealth Review 2021

By Meg October 21, 2021

Nest Wealth is a digital finance company that was founded in 2014 with the goal of providing “digital wealth solutions for everyone.” In…

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BMO SmartFolio Review 2021

By FT October 21, 2021

I’m a huge fan of robo advisors, and BMO’s robo advisor: SmartFolio is no exception to that. If you’re not familiar with robo…

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Wealthsimple Review (2021 Update)

By FT October 20, 2021

* A Wealthsimple Promo Offer Coupon for You Wealthsimple has provided me with a promotion code for our readers – providing a $50…

best time to buy stocks

When to Buy Dividend Stocks

By FT October 19, 2021

I wrote my original thoughts on when to buy dividend stocks roughly a decade ago – and with my best dividend stocks in…

become a millionaire in canada

How to Become a Millionaire in Canada

By FT October 17, 2021

If you’re reading this website you’re probably interested in a Canadian perspective on how to become a millionaire. Most people like to imagine…

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HSBC InvestDirect Review (October 2021 Update)

By Kornel October 14, 2021

HSBC (The Hongkong and Shanghai Banking Corporation) dates back to 1865. Today, it’s a multinational conglomerate and the 7th largest bank in the…

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Amex Cobalt Review

By Meg October 14, 2021

The American Express Cobalt card has topped “best of” lists on a range of financial sites. Our Amex Cobalt review shows you why…

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

Dividend Investing - Investing - Smith Manoeuvre

Ultimate Smith Manoeuvre Guide Canada

FT - October 25, 2021
Dividend Investing - Index Investing - Investing

Investing in Commodities in Canada

Investing - Product Reviews - Robo Advisor

Nest Wealth Review 2021

"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