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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canada new budget taxes

Canada’s 2024 Budget – New Taxes on Capital Gains

By Kyle Prevost April 17, 2024

Canada’s new tax rules on capital gains mean that you’re now likely to pay more taxes if you own a cottage, pass away with an…

bank promos canada

Best Canadian Bank Account Promotions 2024

By Meg April 16, 2024

At any point in time, there are handfuls of bonus offers and bank account promo offer codes available.  But how do you choose which of…

best canadian dividend stocks

Best Canadian Dividend Stocks – April 2024

By FT April 16, 2024

As we look forward to a new year, it’s time to update our list of Best Canadian Dividend Stocks for April 2024. Click here to…

salary vs dividends

Salary vs Dividends in Canadian Corporations: Paying Yourself as a Small Business Owner

By Kyle Prevost April 13, 2024

In preparation for our dividends vs salary comparison for Canadian small business owners, we took a broad look at Canadian corporate taxes last week. I…

ccpc taxes

CCPC Taxation: Canadian Corporations for Small Business Owners

By Kyle Prevost April 6, 2024

I’ve been getting a lot of questions recently in regards to Canadian corporations and taxes for small business owners that have a CCPC (Canadian-Controlled Private…

ishares etf logo

XEQT ETF 2024 Review

By FT March 31, 2024

Given that I recommend the XEQT ETF (and other Canadian all-in-one ETFs) quite often these days, I figured that it was time to give a…

home equity retirement canada

Home Equity in Retirement – Reverse Mortgages vs HELOCs vs Downsizing

By Kyle Prevost March 16, 2024

Many retiring Canadians have a huge chunk of their net worth tied up in their housing equity. Deciding whether to tap into that housing equity through…

maximize child benefits

Ways to Maximize the Canada Child Benefit (CCB)

By FT March 9, 2024

Most Canadian parents don’t understand how they maximize their Canadian Child Benefit (CCB) and get paid thousands of government dollars every year! We’ve been receiving…

high net worth investing

Investing For High Net Worth Individuals

By Yang March 4, 2024

With the stock market hitting new all-time highs you may be hearing the term “High Net Worth Individual” a lot recently, and wondering exactly what…

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.


"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 2024.

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