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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financial update nov 2021

Financial Freedom Update Nov 2021 – Big Dividend Raises Edition

By FT November 27, 2021

Welcome to the Million Dollar Journey November 2021 Financial Freedom Update – Big Dividend Raises Edition! If you would like to follow my whole financial…

National Bank Direct Brokerage Review

National Bank Direct Brokerage Review

By FT November 27, 2021

Although we applaud NBDB for their recent low-fee effort, they still have a long way to go. In the last couple of years…

bmo vs wealthsimple

Wealthsimple vs. BMO

By Meg November 26, 2021

So, you’ve decided that easy, hands-off index investing using a robo advisor such as Wealthsimple or BMO Smartfolio is the best fit for…

convert cad to usd

The Best Low Cost Ways to Convert CAD to USD

By FT November 25, 2021

Updated November 2021 to provide additional information in regards to converting large amount of CAD to USD using Currency Brokerages/Money Transfer Comparison Back…

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Scotia iTrade Online Brokerage Review

By FT November 24, 2021

Scotia iTrade launched in 2008, after Scotiabank purchased E*Trade Canada. This was a smart move, immediately bringing in twice as many online customers…

qtrade new logo

Qtrade Promo Code 2021

By Jordan November 24, 2021

Since they currently occupy the top spot in our Canadian Discount Brokerage rankings, the new Qtrade Promo Code for 2021 RRSP Season represents…

qtrade new logo

Qtrade Review 2021 – Canada’s Best Broker

By Kornel November 24, 2021

What Is Qtrade Direct Investing? Is it Legit? Qtrade Direct Investing is part of Aviso Wealth, a national financial services company owned by…

best brokers canada

Best Canadian Online Brokers (2021 Updated)

By FT November 24, 2021

Million Dollar Journey was amongst the first independent publishers to rank the Best Canadian Online Brokers, way back in 2006!   We’ve continuously checked…

wealthsimple crypto

Wealthsimple Crypto Review

By Meg November 23, 2021

What is Wealthsimple Crypto? Wealthsimple Crypto is a crypto trading platform managed through Wealthsimple Trade. It features completely self-directed trading with commission-free buying…

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

Financial Freedom Updates

Financial Freedom Update Nov 2021 – Big Dividend Raises Edition

FT - November 27, 2021
Investing - Product Reviews

National Bank Direct Brokerage Review

General Finance - Investing - Robo Advisor

Wealthsimple vs. BMO

"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.

  • Wasa on Questrade vs Interactive Brokers: “Is edge platform of questrade is not the best for actives day trading because there is many limitations, their scanner…Nov 19, 19:46
  • Greg on Questrade vs Interactive Brokers: “yea, Questrade really sucks on the options trade costs. Most traders evolve to using options so might as well start…Nov 4, 15:30
  • Angie on Simplii Financial Review: “Agree with Kirt! Don’t waste your time with them, go with Tangerine! They are free and very professionnal at the…Oct 29, 18:37
  • Randy on Ultimate Smith Manoeuvre Guide Canada: “Hi MDJ, thank you for putting together this great resource! I have a question regarding how to deal with the…Oct 28, 12:28
  • Martin on Spousal RRSP, What is it? How does it work?: “When opening a spousal RRSP in a self directed brokerage, is the account opened under the contibutors account or in…Oct 27, 13:46

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