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A little about me (Frugal Trader, aka: FT) – I am a married Canadian (with 2 children) who was born, raised and currently resides in Eastern Canada. I began investing in mutual funds when I was 16 years old and the passion for finance grew from there. When I graduated from University (I was 23), I started getting more serious about the stock market and real estate investing. 

My investing style has evolved over the years with a current focus on all-in-one ETFs (index investing) and dividend stocks. I have chosen to stay anonymous here on Million Dollar Journey in order to share the intimate details of my personal path to financial freedom and early retirement.

Since I started young, I have built an equity portfolio that has been growing gradually over the years. Starting this blog in 2006 (yes 2006!) with a net worth of $200,000, my initial stretch goal was to hit a net worth of $1M by the age of 35 (by 2014). In June 2014, we reached the $1,000,000 net worth milestone with time to spare (See the full details here with month by month updates here)!


As Featured In

The intention of this site is not only to keep track of my financial progress but to help and educate those who are interested in personal finance and investing. (MDJ has 60,000+ subscribers!)  

If you want to join 60,000+ other Canadians in starting your own Million Dollar Journey, then please check out our FREE weekly newsletter PLUS snag our FREE eBook: Can I Retire Yet? The Ultimate Retirement Guide to the 4% Rule, Investments & Portfolio Withdrawals In Canada simply click here and let us know where to send your instantly downloadable eBook and weekly update.

Our most popular pages are:

Financial Freedom 101 - Where to Start on MDJ

Best Canadian Online Brokerages Compared (Where I buy my stocks and ETFs)

Best Canadian Stock Trading Apps - If you prefer using your mobile phone, we compare all available platforms

Qtrade Broker Review (The best broker in Canada)

Questrade Review (Another great broker with the lowest fees. Here i compare Questrade vs Qtrade)

Withdrawing From Your RRSP, TFSA, and Non-Registered Accounts for Retirees of Any Age

My Ultimate Guide To Safe Withdrawal Rates

Best Robo Advisors In Canada - An easy alternative to discount brokers

Wealthsimple Review (Best robo advisor in Canada)

The Ultimate Guide to the Smith Manoeuvre (How to turn your mortgage into a tax-deductible investment loan)

Best Banks In Canada - Comparing all online banking options

EQ Bank Review (Our #1 rated Canadian Bank)

Best Credit Cards In Canada - Comparing credit cards across all categories

Neo Financial Card Review - Current pick for the best credit card in Canada

Our Authors

Over the years I’ve decided to bring on some help here at MDJ.  If you look through our archives you’ll find a few different authors pop up from time to time.  As of 2020, the main writers at MDJ are:

Kyle Prevost

Kyle Prevost is a business teacher by day (soon to start a new expatriate teaching journey - stay tuned) and a personal finance author/speaker/advisor when he is not in his classroom.  Kyle was recently recognized as a top educator for his role as a personal finance curriculum pioneer. 

Kyle’s writing has been featured across Canada’s most-read publications.  He is often booked to speak about financial happenings to audiences ranging from post-secondary students, to fellow educators. 

When he isn’t nerding out about P/E ratios or MERs, you can find Kyle on a basketball court or in a boxing ring trying to recapture something he isn’t sure that he had in the first place.

Recently, Kyle launched a new online course called 'Worry Free Retirement' which aims to help Canadians take hold of their financial future and avoid all common mistakes people usually make.


Dale Roberts is a former creative director who decided to quit selling stuff back in 2013, and jump on board with Tangerine Bank in order to help more people.  He writes over at Cut the Crap Investing and is a regular on the Seeking Alpha network of writers as well, contributing to publications such as Moneysense magazine and the Globe and Mail on a regular basis.  Dale is obsessed with the simple mission of getting Canadians to stop investing in “high free crap”

Get Your Free Copy Of Kyle's Canadian Expat eBook:

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The articles posted on this site are the opinion of the author and should not be considered professional financial advice (MDJ should be used for informational purposes only). Please consult a financial professional before making any major financial decisions.  More disclaimer and privacy information here.