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Helping Canadians with Personal Finance Since 2006

Welcome to Million Dollar Journey! If you’re new here, you can learn about me and even follow my financial journey to becoming a millionaire by 35 through my net worth updates. Since hitting the Million Dollar milestone, I’ve been documenting my journey towards financial freedom that you can read about here. If you are just starting your own financial journey, you can start with Financial Freedom 101 located in the navigation bar above. Before you leave, check out my latest articles listed below and don’t forget to subscribe to my updates!

Exclusive Dividend Newsletter Promotion, Tim Hortons Rewards, and the Risks of Joint Bank Accounts!

By FT | April 15, 2019 |

Dividend Stocks Rock Exclusive MDJ Promotion (sponsored) I mentioned this exclusive promo in a recent MDJ newsletter blast but I’ll share it here for readers not subscribed to the newsletter. I get a number of questions about which dividend stocks to buy and which sources I use for research. While I tend to read a…

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Maxed out RRSP and TFSA – Now What?

By FT | April 8, 2019 |
maxed out rrsp and tfsa now what

I received an email from a reader with a bright financial future. She has both her RRSP and TFSA maxed out and wondering what to do next. First of all, thank you for sharing your wisdom and financial journey. I love reading your blog and I learn so much from it! I was wondering if…

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The Financial Freedom Crossover Point – The Ultimate FIRE Indicator?

By FT | April 1, 2019 |
financial freedom crossover point

In my last financial freedom update, I briefly mentioned the concept of the crossover point.  It’s a fairly simple, but motivating, concept that shows the point at which your passive income grows enough to meet (or just about exceed) your recurring monthly/annual expenses.  In essence, it’s the point where you reach financial independence or FIRE…

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Financial Freedom Update (Q1) – March 2019 ($48,200 in Dividend Income)!

By FT | March 25, 2019 |

Welcome to the Million Dollar Journey March 2019 (Q1) Financial Freedom Update – the first update of 2019!  If you would like to follow my latest financial journey, you can get my updates sent directly to your email, via Twitter or Facebook, and/or you can sign up for the monthly Million Dollar Journey Newsletter. For those of you new here, since achieving…

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Vanguard VEQT All-in-One 100% Equity Portfolio ETF

By FT | March 18, 2019 |

In recent weeks, I’ve been writing about how it’s getting easier and cheaper to build a solid globally diversified portfolio using all-in-one ETFs. For example, if you have long time frame until retirement, rather than buying multiple ETFs/mutual funds for equities and bonds, or a balanced fund that charges 2%, you can now buy a…

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All-in-One ETFs Battle: Vanguard vs iShares vs BMO

By FT | March 11, 2019 |

Up until January 2019, Vanguard had the “all-in-one” ETF market cornered offering globally indexed portfolios that automatically rebalance to maintain a set ratio of equity/bonds.  All of this through a single ETF that only charges a very low management expense ratio (MER) of 0.25%.  Genius right? With good products that have high demand, competition will…

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Top 22 Canadian Dividend Growth Stocks for 2019

By FT | March 4, 2019 |
Canadian dividend growth stocks

By request, I have updated/re-written this article that was originally published in 2013.  In this article, I have included all Canadian dividend stocks that have a 15+ year track record of increasing their dividends, which brings it up to 22 in total (18 in 2017).  This list will give you a good idea on some…

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Dividend Increases, New All-in-One ETFs, Top Ranked Credit Cards, and More!

By FT | February 25, 2019 |

For dividend investors out there, there have been some solid dividend increases to start off the year. I usually update the increases during my quarterly passive income update, but I’m too excited to wait! Here are some of the increases to Canadian dividend stocks including their percentage increase: Canadian Utilities (CU.TO) 7.5% increase – 47th…

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