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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 follow 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!

Dividend growth investing may not be for everyone, but I am a fan.  I like the idea of receiving tax efficient payments from long established companies with an established track record of annually increasing their payments to shareholders.  While I also believe in the merits of passive index investing, I also enjoy the active nature… Read More


Welcome to the Million Dollar Journey February 2016 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… Read More


The last freebie was receiving $50 by signing up for a no annual fee PC Financial World Elite Card (3% cash back towards Loblaws purchases). This time around is $100 cash to sign up for the 2% cash back MBNA World Elite MasterCard (straight up 2% cash back, no tiers), which I consider one of the best… Read More

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It's been a while since I've written about the Canadian version of a tax deductible mortgage, also known as The Smith Manoeuvre. Yes, you read right, a tax deductible mortgage for Canadians, but it's probably not exactly as you imagine. I've written a lot about the Smith Manoeuvre over the years, you can find the… Read More


My Favorite Personal Finance Apps

I reader recently asked me a question that I've never considered writing about before - "FT, what apps do you use?" At first, it threw me off guard as it's almost a personal question in a strange kind of way. But I can see how some may be curious on what apps a money-centric blogger… Read More


Brexit, CPP Expansion and Free Credit Scores

Recently, I wrote about how the PC Financial World Elite MasterCard is perhaps the best no annual fee grocery credit card out there.  It offers 3% cash back when shopping at Loblaws group of stores  (Loblaws, Dominion in NL, Real Canadian Super Store, No Frills, PC Mobile, and Shoppers Drug Mart).  You can redeem $20 at… Read More


Over the past four years, The Successful Investor (TSI) has offered MDJ readers the best deal on the web on Canada's top stock picking newsletter service.   Now they are back again for another round! I've been a subscriber for a little over four years now, and I'm pleased with the service.  The membership includes a monthly email… Read More


Financial Freedom Update – June 2016 (+5.78%)

Welcome to the Million Dollar Journey June 2016 Financial Freedom Update.  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 are enough to cover our family… Read More