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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!


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. The RESP portfolios for our children are setup with TD e-Series mutual funds which provide a low cost way to index the market.  We contribute $2,500/account/year to… Read More

financial checklist to start the year

This post is from the past but updated annually.  I follow this list every year! 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.  Here is the checklist that I use at the beginning of the year. For 2017, TFSA's get… Read More


-- Sponsored Message --  TD Direct Investing Launches Conditional Order Types As an active trader, I'm pleased to see TD Direct Investing offer conditional order types to its trading platform, WebBroker. This enables investors to determine entry and exit strategies up-front and automatically execute their trading plans. As the first Canadian bank-owned brokerage to bring this offering to… Read More

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It really feels as though each year goes by faster than the last and 2016 was no exception.  Perhaps it's because I'm getting older, or maybe there is some truth in that time flies when you're having fun.  To put that in context, if you've been following MDJ a while, you may remember my posts on having… Read More


Year End Tax Tips: 2016

year end tax tips

This article originally was published in 2007 (!) but adjusted for relevant details annually. I'm a bit late posting it this year, so pay particular attention to the tax loss selling tip as the deadline is fast approaching. It's that time of year again.  I'm not talking about Christmas, I'm talking about the year end coming… Read More


Welcome to the Million Dollar Journey December 2016 Financial Freedom Update - the final update for 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… Read More


Credit cards and mortgages are a hot topic in the personal finance world.  Since both are essentially loans, credit issuers and lenders need some kind of assurance that you can repay the loan.  In verifying your ability to repay the loan, lenders generally look at a few criteria: your current income; your current debt; and, your history… Read More


How to Maximize SCENE Points

hack scene points

There are a number of rewards points programs in Canada, and I've written about a couple of the more popular ones - Aeroplan and Air Miles.   For the movie theater enthusiast (like my spouse), there is really only one game in town, and that's Cineplex and their SCENE points system. The SCENE program is… Read More