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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!

how to transfer work pension to lira

When my wife recently left her career in health care, there was a bit more administrative work than expected.  One of these administrative items was to decide what to do with her accrued pension with her work place.  Technically, there are two pensions that we have to deal with.  The first was a "defined benefit"… Read More

prepaid wireless plan comparison

Back in 2008, I wrote an article about the best prepaid wireless providers in Canada.  My spouse and I were both low volume users, so a prepaid wireless plan made sense to help keep costs low. Since 2008 however, I changed to an employer that provided a cell phone as a perk.  So all we really needed… Read More


Welcome to the Million Dollar Journey October 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. SmilingSaver was selected as a team member and will post net worth updates on a regular basis. Here is more… Read More

top free travel credit card in canada

Within the comments of my popular top free cash back credit cards in Canada post, there is some discussion about the top "out of country" or "foreign currency" travel card in Canada. If you didn't know already, most credit cards have a surcharge (around 2.5%) for any purchase that's not in your home currency. For example… Read More


Welcome to the Million Dollar Journey September 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


Investing on Behalf of my Kids


Ever since the kids were born, I often think about their financial futures.  I wonder what they will do for a living when they get older, and whether they can build wealth rather than succumbing to the heavily promoted North American consumer lifestyle.  I can now see why my parents often tried to nudge me… Read More


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 a… Read More


Back in March 2014, I wrote a short piece for MDJ on my journey to a $5M net worth by 50. See: “Lessons from a 50 Year Old Multi-Millionaire.” We reached the $1M net worth destination by age 40 and $5M by age 50. After working (we’re educators) and investing for about 20 years, working… Read More