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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!

Welcome to the Million Dollar Journey April 2016 Net Worth Update (a little late, sorry!) – Team MDJ edition. A select group of readers were selected to be part of Team MDJ which was conceived after my million dollar net worth milestone was achieved in June 2014. Karl the Real Estate Agent was selected as a team member… Read More


At the beginning of the month, I wrote about some offers that generated a bit of buzz in my inbox.  Here they are again as most of them are about to expire. For Aeroplan fans (and credit card churning fans - ie. those that sign up just for the bonus), TD Infinite Visa has an… Read More


Reduce your Taxes – Income Splitting Strategies

A portion of this article was originally written in June 2009, but relevant today due to the removal of the income splitting Family Tax Cut which allowed a family to notionally transfer up to $50,000 from the higher income spouse to the lower when filing taxes.  While many will take a hit from elimination of this tax benefit… Read More


Banking as a Couple – BMO PlanShare Review

This is a sponsored post written by me on behalf of BMO. I was a little hesitant at first when BMO contacted me to review one of their product features.  The reason is that most retail bank account usually involves high fees.  However, after reading more about BMO PlanShare, I started to see the possibilities for… Read More


Are Airport Lounge Passes Worth it?

Recently I had the opportunity to take a short trip to hang out with my family in Ontario.  Up to this point, I was perfectly content to travel in economy class and hang out at the gate with everyone else. On my way home, I had a similar flight time with my sister who happened to… Read More


5 Key Philosophies for Long Term Investing Success

This is a repost from July 2014.  I was going to write a similar article this past weekend, but decided to pull this one out instead with a couple of extra points to the article.  I hope you enjoy! Over the years, I have received a number of emails from people just starting their investing journey on… Read More


For those who are fans of personal finance and investing magazines (like myself), Canadian MoneySaver Magazine has offered MDJ readers an exclusive discount of 25% off their digital subscription.  Personally, I'm a big fan of the "beating the TSX series" where the author shows his annual results of picking high yielding, blue chip stocks from… Read More


Breakdown of Our Expenses in 2015

Back in 2008, I wrote my initial post about our monthly expenses.  It's always interesting going back in time to see what the circumstances were.  Back then, the update was compiled just before we had our first child, and we had a mortgage on our principal residence (a new build).  Our annual recurring outlay was around… Read More