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Million Dollar Journey
Frugality, Investing
Start Year:

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Net worth:
St. John's, Newfoundland, Canada
Life stage:
SIK (Single Income, Kids)
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Latest Blog Posts

The mantra of Million Dollar Journey is to build wealth through saving and investing.  As this is my belief of the easiest way for regular working folk (like our family) to build serious wealth to someday reach financial freedom. How early you reach financial freedom depends on how aggressive you save.  Saving 50% of your […]Related Posts:Reader Mail: 17 Years Old, Saving $500/month,…Financial Freedom Update (Q1) – March 2017 (+10.89%)A ...
Posted: May 22 2018 @ 8:30 AM
Way back in 2007 when this blog was in its first year of existence, I wrote about high-interest savings accounts.  In the early days, I had a large portion of my savings sitting in cash and the interest rates were decent. After the financial crisis in 2008, interest rates dropped to stimulate the economy, which […]Related Posts:Deals and Freebies (TD Aeroplan, Tangerine, and…Money Links – Free $150 Gift Card Offer,…Net ...
Posted: May 14 2018 @ 8:30 AM
Just Butter It Promotion (Sponsored) Derek Szeto, the founder of RedFlagDeals.com, has contacted me to help him promote his latest joint venture with RBC – Butter.  What is Butter?  It’s a free service that pays you CASH in exchange for your subscription data (Netflix, Amazon Prime, Spotify etc). How does it work?  It’s pretty straightforward: […]Related Posts:Amazon Visa Gone? Other Top Free Credit Cards when…Monday Money Links – Dividend Advisor ...
Posted: May 07 2018 @ 8:30 AM
Before I get started, just a heads up that today is the income tax deadline.  It’s not too late to file, see some filing options and tax tips here. Within my financial freedom updates, I itemize our family income producing assets which include my wife’s investments.  A reader emailed me asking about how Mrs. FT’s investments […]Related Posts:A Super Tax Efficient Index ETF Portfolio for your…Global ETF ex-Canada (XAW/VXC) or 3 ...
Posted: Apr 30 2018 @ 8:30 AM
How do I imagine early retirement? Cruising in a Ferrari with millions in my pocket. Maybe when I was in my teens.  For those of you who have been following this blog over the years, you’ll probably laugh out loud at the opening statement. As my internet handle indicates, I’m a pretty frugal guy but […]Related Posts:One Year After – A Financial Freedom Update…Reader Mail: 17 Years Old, Saving $500/month,…Early ...
Posted: Apr 23 2018 @ 8:30 AM
I’ve been getting a number of emails from readers about dividend investing and which type of investment account to use for maximum tax efficiency.  This article should help clear up some of those questions. This post has been modified and expanded but was originally written in 2009.   Efficiency is the name of the game not only […]Related Posts:Reader Question: Which Account for Canadian Index ETFs?What’s in My RRSP?5 Key Philosophies ...
Posted: Apr 16 2018 @ 8:30 AM
Credit cards with no foreign transaction fees seem to be a hot area these days with new products popping up in recent months.  Since the demise of the popular Amazon Visa, there have been a number of new cards that have popped up.   In a recent post listing free no-fx credit cards, I wrote about the […]Related Posts:Are Airport Lounge Passes Worth it'The Best Free Grocery Credit Card' The PC Financial…Top ...
Posted: Apr 09 2018 @ 8:30 AM
Income Tax Deadline With the income tax deadline just around the corner for the tax year 2017, which is April 30, 2018, it’s time to start gathering what’s required to file.  If you are a small business owner, you have until June 15th to file, but any taxes owing must be paid by April 30th.  If […]Related Posts:Financial Checklist to Start the Year (2016)Year End Tax Tips: 2015TurboTax (formerly QuickTax) Short ...
Posted: Apr 02 2018 @ 8:30 AM
Welcome to the Million Dollar Journey March 2018 Financial Freedom Update – the first update of the year!  For those of you new here, since achieving $1M in net worth in June 2014 (age 35), I have shifted my focus to achieving financial independence.  How'  I plan on building my passive income sources to the point where they […]Related Posts:Financial Freedom Update (Q1) – March 2017 (+10.89%)Financial Freedom Update – June 2016 (+5.78%)Financial ...
Posted: Mar 26 2018 @ 8:30 AM
Welcome to the Million Dollar Journey March 2018 Net Worth Update – Team MDJ edition. A select group of readers were selected to be part of Team MDJ which was conceived after the million dollar net worth milestone was achieved in June 2014. Nobleea – the Oil and Gas Engineer, was selected as a team […]Related Posts:Net Worth Update August 2017 – Nobleea the Oil and…Net Worth Update April 2017 ...
Posted: Mar 19 2018 @ 7:30 AM


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"This guy clearly knows his shit; with every post, I feel like he's got my back as one of those "savers", and his web site is pretty damn cool, too"

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