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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!

The Mini-Split Heat Pump Experiment – Will it Save You Money?

By FT | February 18, 2019 |

Way back in 2008, we completed a custom home that we still live in today.  In that same year, I wrote a post about my regrets of not going with a heat pump to save money on energy bills.  I’m not sure if you use electric heat where you are from, but if you do,…

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Hosting Homestay Students – The Perfect Side Hustle?

By FT | February 11, 2019 |

Photo by Daria Shevtsova on Unsplash This is a post by Chrissy who guest posted here a couple years ago about going for financial freedom in a high-cost city.  She has since started her own blog, Eat Sleep Breath FI, that details her journey towards financial freedom.  Chrissy is back with another guest post about…

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Modifying Your Asset Allocation When Using All-in-One ETFs

By FT | February 4, 2019 |

Last week, I compared two heavy hitters in the all-in-one ETF marketplace – iShares vs Vanguard. Here is a quick backgrounder from the article that summarizes these convenient investment products: Many of you know how much I appreciate and recommend the Vanguard all-in-one ETFs. What I like most about them is that in a single…

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Vanguard vs. iShares All-in-One ETFs

By FT | January 28, 2019 |
vanguard vs ishares all in one ETF

Many of you know how much I appreciate and recommend the Vanguard all-in-one ETFs.  What I like most about them is that in a single ETF, it provides investors with a complete globally indexed portfolio that will automatically rebalance to maintain the set ratio of equity/bonds.  All for a very low management expense ratio (MER)…

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Indexed Family Education Fund (RESP) Portfolio Update – 2019 Edition

By FT | January 21, 2019 |

It has been about a year since my last RESP portfolio update which is probably an appropriate time span since it’s a fairly steady portfolio that is 100% indexed.  2018 was certainly a test for equity portfolios and although stocks were pounded, these indexed RESP accounts performed a little better than I expected. The RESP portfolios for…

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Net Worth Update January 2019 – Nobleea the Engineer and Millionaire!

By FT | January 14, 2019 |

Name: Nobleea Age: 40 Net Worth: $1,049,416 Day Job: Engineering manager at oilfield services company, Teacher (wife) Family Income: $140,000 (main job), $20,000 (part-time job/rental income), $85,000 (wife main job) Goals: Million dollar family net worth before 40 (Complete), Retirement from the primary job at 50 (for me) We live in Edmonton where incomes are…

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A Financial Checklist to Start 2019 Strong

By FT | January 7, 2019 |

Similar to the end of the year tax tips, there are certain financial to-do items to start off the year on a strong note.  To keep myself on track, here is the checklist that I use at the beginning of the year that may help you as well. 1.  Set Financial Intentions  Day to day life…

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The Best of Million Dollar Journey – 2018 Edition!

By FT | December 31, 2018 |

Feels not too long ago that I was writing the 2017 year-end post, but here we are, the end of 2018!  This past year was significant in a few ways.  On a personal level, I started a new career that has helped me grow professionally and honestly has been a lot of fun.  There is…

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