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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Top Canadian High Interest Savings Accounts

Best High Interest Savings Accounts 2022

By FT September 28, 2022

High interest savings accounts (HISA) are considered a safe way to keep a stash of cash you are saving for short term use.…

kids bank accounts canada

Canadian Bank Accounts for Kids

By Kathryn September 27, 2022

If you are a parent reading this blog, you already know that teaching your children about financial literacy is one of the best…

money transfers in canada

Cheapest International Money Transfer in Canada: Top 3 Best Services

By Kyle Prevost September 25, 2022

The cost of transferring money internationally to a bank account abroad – or just exchanging one currency for another – is likely higher…

best online banks

The Best Online Banks in Canada 2022

By Hannah September 23, 2022

Canadian Banks have done a great job keeping up with consumer demand when it comes to online banking. Brick and mortar banks now…

Dividend Kings List

Canadian Dividend Kings List 2022

By FT September 21, 2022

Investing in Dividend Kings (aka Dividend Aristocrats) has come back into style again in 2022, after a decade of fast-paced outperformance for technology…

us equity etf

Best Canadian Dollar (CAD) ETFs for U.S Equities

By FT September 21, 2022

A reader recently emailed me about my thoughts on the best US Dollar USD ETFs vs CAD ETFs when it comes to getting…

canadian spend in retirement

How Much Do Canadians Spend In Retirement?

By Kyle Prevost September 17, 2022

You’d think it’d be a relatively easy quest to answer the question: How much will a Canadian spend in retirement? I started looking…

vbal etf performance graph

Should You Buy VBAL ETF? My VBAL Review

By Lindsey September 16, 2022

The Vanguard Balanced ETF (VBAL) is the ultimate realization of what the first ETFs promised investors when they were invested thirty years ago:…

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BMO Investorline Review 2022

By FT September 16, 2022

Is BMO Investorline Safe and Trusted? In a word, YES. As one of Canada’s oldest and most trusted companies (founded in 1817) the…

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

Investing - RESP - tfsa

Best High Interest Savings Accounts 2022

FT - September 28, 2022
Banking - Children

Canadian Bank Accounts for Kids

Business - Canadian Expats - General Finance - Saving Strategies

Cheapest International Money Transfer in Canada: Top 3 Best Services

"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