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!

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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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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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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