Million Dollar Journey

Building Wealth through Saving and Investing

Welcome to Million Dollar Journey! If you're new here, you can learn about me, read our user guide, and even follow my net worth updates. A great place to start reading is with the popular articles located in the right side bar. If you would like to join thousands of others and keep up with the free daily updates, you can subscribe to the RSS feed via reader or E-mail.

On your way out, make sure to check out the exclusive Million Dollar Journey Freebies and Deals.

Celebrating 4 Years of Million Dollar Journey

Yes, you read right, it’s already been four years since Million Dollar Journey kicked off! It all started in early Dec 2006, just over three years after graduating from University and in the progress of turning around our personal finance situation towards building wealth.

Million Dollar Journey started zero readers. In fact, for a while it felt like I was the only one reading the blog.  With time, the community slowly grew into what you see today.  A strong and loyal readership who is as passionate about personal finance and investing as I am.  Proudly, we have grown to over 12,000 subscribers and have received several millions of hits over the past four years.

As a token of my appreciation, I’d like to again give something back to the readers.  This year, we have one company sponsoring the grand prize, with us sponsoring multiple gift cards to increase the chances of winning something.

Without further delay, here are the prizes for our fourth year anniversary celebration:

1. The newest iPod Touch 32GB (sponsored by RedFlagDeals)

overview_hero2_20100901Derek, the entrepreneur behind RedFlagDeals, has once again generously offered to sponsor a great prize. What is RFD? It’s Canada’s most popular “deal/bargain” portal with millions of visitors per month. If you enjoy finding deals (like I do), then you’ll find great value in RFD, it’s one of the sites that I visit daily.

Now, back to what you’ve all been waiting for, the prize. The iPod Touch 32GB, which retails for $299,  has been known as the top portable MP3 player in the market which has continued to improve with every annual update.  The previous version of the iPod Touch was amazing, but the latest version really steps it up another notch.

Besides being a market leading MP3 player, here are incremental features:

  • Facetime – This iPod has a camera in the front (in addition to the back) so you can video chat with your friends/family using your favorite messenger program or skype.
  • HD Video Recording – As we have a toddler, you can never have too many cameras around.  Not only can the iPod take stills, it can record video in 720p.  Yes, that is High Definition.
  • Retina Display – This is the fancy marketing term they use for their super high resolution screen (for the mobile format) which gives up to 960×640 pixels.
  • Better Gaming – Game Center is a new app that allows multi player action.  For example, race against your friends, or have a game of cards.  Apparently, using the iPod touch for games is getting huge.

If you’re looking for deals, make sure to check out the RedFlagDeals forums.

2. $25 x 8 (or .com) Gift Cards!

To expand the contest a little and readers a greater opportunity to win something, we’re offering $25 Amazon gift cards – eight to be exact.  Winning one of these cards could be an incentive to purchase those financial books you’ve been meaning to read.

How to Enter:

To be eligible for the prizes above, simply:

1. Sign up for the MDJ Money Tips Newsletter (free) at the bottom of this post. If you don’t see the sign up form, click here. (+1 Entry)

What is the Money Tips Newsletter?

The Money Tips Newsletter is a free email newsletter that I will send out once or twice a month.

The content includes highlighted articles on Million Dollar Journey, exclusive offers for Million Dollar Journey readers, and original content that doesn’t make it to the front page of this blog.  Thus far, I have 5 scheduled Newsletters editions that all subscribers will see.  The topics range from the basics of investing, the Smith Manoeuvre, to the top credit cards in Canada.

As mentioned above, your privacy is important to us. We will never sell your information to third parties, as well, you can unsubscribe from the newsletter at any time.

2. Leave a comment indicating your current financial priority (pay down debt, build portfolio, savings etc.) (+1 Entry)

The Giveaway Rules:

Lets go over some of the rules. All contestant entries will be shoved into an electronic hat and drawn at random.

  1. Only confirmed (new and existing) newsletter subscribers on the date of draw are eligible.
  2. Only one comment per person and please include a valid email address.
  3. To be fair to all contestants, each winner can only win once.
  4. Only those with a North American mailing address may enter.
  5. Contest will end Sat 5pm EST Dec 18, 2010 and the winners announced shortly after!

Good luck!

608 Comments, Comment or Ping

  1. signed up. thx. current priority: build portfolio.

  2. 2. Chris

    My current priority is to build passive income and reduce expenses so that my wife can hopefully stop working and stay home with our children.

  3. 3. Michael

    Congratulations on the anniversary. My current goal to pay down the stubborn debt!

  4. My current goal is to build that portfolio! Fortunate to have very little debt right now!

  5. 5. Bonnie

    I have learned a lot from your blog since I started reading about a year ago. My current goal is to be mortgage free Feb. 2012. I’m still contributing to RRSP’s, using the tax refund as lump sum and will use my TFSA’s as final payout.

  6. 6. Brandon Bewza

    Congratulations! My current goal is to build my portfolio.

  7. 7. Ian C. Thompson


    I first goal is get to back to work and reduce our debt that has increased while unemployed.

  8. Paying off our mortgage to be debt free is still our main priority. Our plan was to pay off our entire mortgage in 5 years. We are at the half way point and still on track.

  9. Congratulations. My current goal is to build my retirement portfolio.

  10. 10. Glenn Tucker

    Current goal is to pay off the mortgage while the interest rates are low. Love reading the postings on this site.

  11. 11. $teve

    Great work. My goal is to build my nest egg for retirement over the next 20 yrs.

  12. 12. Potato

    My current priority is to stay out of debt while things are tight, and then start aggressively saving again when things get better…

  13. 13. Brian

    My Current priority is to pay off debt, I hope to be done ( excluding my house) on January 1st, 2011.

  14. 14. Alex

    With Debt paid off, and our first child on the way my priority is building an emergency savings fund.

    Keep up the Good work

  15. 15. Dimitri

    Enjoy reading your blog. Current priority is to pay down debt (i.e. mortgage and student loans).

  16. Congratulations on four years in the blogosphere! My current financial priority: Hijack a nuclear warhead and hold the world ransom for… one meeellion dollars.

  17. 17. Sputs

    Congratulations on the 4 years. Current priority is to pay off the mortgage by 2012.

  18. Already a newsletter subscriber! My current financial priority is getting the mortgage paid off on our house so we can then have a sizable down payment to move into a bigger house. Should be able to accomplish this within a 2 or 3 years.

    Great job with MDJ over these past four years!

  19. 19. KC

    Congratulations on 4 years of blogging! Current financial priority is paying off debt.

  20. 20. Simon

    Nice giveaway! My goal is to build a DIVERSIFIED portfolio by adding new pieces everytime I have enough money saved.

  21. 21. Evan

    Congrats on four years – this site has helped me a ton in my trip of getting out of debt and into control.
    My main goal right now is paying off my house. I spent a few years getting out of debt and my wife and I want our house paid off before our first kid arrives. We’ve got at least 9 months and I’m pretty confident we can get it done by August or September with our current path.

  22. Congrats!

    My main goal is to pay off the mortgage and get the wife back to work so I can quit my job. ;)

  23. 23. Charles

    congrats and more power! My goal is to pay off my mortgage in the next 10 yrs.

  24. 24. Subversive

    Hey FT, our financial goals are pretty straightforward in 2011. Get out of debt! We intend to be fully debt free, save for our mortgage, by the end of 2011.

  25. 25. Dave

    Congrats on the success.

    Although I don’t post a lot, I have this site hooked up to my google reader and find your topics to especially relevant to a fellow canuck.

    My main goal currently is keeping up our RRSP and RESP contributions while the wife is on maternity leave.

  26. 26. YYC

    My current priority is to pay down my mortgage as much as possible.

  27. 27. Aaron

    My financial priority is to save (and invest and pay down mortgage) enough so that I can retire in 11 years at the age of 45. A quick calculation of my cash flow reveals that I’m putting 50% of my before tax income to all three. My spreadsheet says I’m on track!

  28. 28. sophie

    pay off mortgage!

  29. 29. Jason R

    Thanks for the excellent writing. 4 years is quite the milestone.
    We are currently aggressively paying down our mortgage and trying to build a small saving fund.

  30. 30. Paul

    thanks for the opportunity, MDJ! My current goal is to save, save, and save!

  31. 31. Suresh

    Current Priority, Pay down Mortgage and build RSP

  32. 32. Echo

    Congratulations FT, reading your journey has inspired me to start my own blog and path towards financial freedom.

    We are getting ready to build a house, so my current financial priority is to save as much cash as I can to use as a downpayment and contingency fund for upgrades, etc.

  33. 33. Jason M

    Excellent job, paying off a line of credit.

  34. Our priorities, yes, more than one (in no particular order)

    – pay down personal debt
    – pay down student debt
    – pay down mortgage debt
    – no not pay down HELOC debt
    – home improvements
    – build portfolio

    Congrats on 4 great years. Your blog is one of the reasons we started one of our own!

  35. 35. Antony Pranata

    Congratulations! Please include me in the draw too… :)

    My current financial priority is to build a portfolio with proper assets allocation. I have lost a lot of money during last crash due to bad asset allocation; too much high-risky stocks and no diversification.

  36. 36. Alice

    Congratz! I’m graduating and will be starting full time work soon. I have no debt to pay off, so I want to start building a long term RRSP portfolio for retirement and to defer tax. I also want to start saving for a downpayment for a condo within 5 yrs.

  37. 37. Sam

    Congratulations! Thanks for the great work for the past 4 years!

  38. 38. geoff

    Priority – contribute to investments and paying down mortgage while not picking up any consumer debt. Not one dollar. Not easy with daycare costs being what they are in TO.

  39. 39. BillT

    Congrats on your entertaining blog and its continued success. Priority – Build a passive income portfolio.

  40. 40. Daryl

    Pay Off Debt
    Pay Off Mortgage/Max TFSA/Max RRSP
    Build Non Registered Portfolio

  41. 41. Col

    Congratulations. Priority is Mortgage

  42. 42. James

    I found the blog last year and I am thankfull that I did. Since I am young and have no debt, my current priority is to continue to save for a substancial downpayment and to continue investing 10% of my net income.

  43. 43. Catherine

    My current priority is to pay off my student loan and continue to put small amounts into my RRSP each month.

  44. 44. joe

    Great general information for someone getting close to retirement, your links are very high quality no need to worry about there intentions are information not sales

  45. Current priority is to support my wife. She is starting her new role as a mortgage broker in Victoria. Like any new business it takes time to develop referrals and I know she will be a success.

  46. 46. Jon

    Congrats on 4 years. I’ve been visiting here for over three years myself.

    My current priority is to retire my mortgage, and increase my passive income by way of dividends.

  47. 47. Miilionaireby45

    Pay down debt is my number one priority. I am also very focused on building my portfolio.

  48. 48. bcrmt

    Hey MDJ, thanks for 4 years. A lot of very good info from here has helped us out. We are further ahead thanks to your blog! Priorities are:

    pay down mortgage
    max out TFSA’s
    freedom 55 or younger

  49. 49. Chris D

    I have learned alot from your site. My goal is to get a Smith Manoeuvre set-up on our mortgage this year.

  50. 50. Uncle El

    Hello there and congrats on a good four years eventhough I have only been a reader since March 2010. But now to matter of hand, my financial priority is to pay down my school loans and then save for at least 5 months of expenses after that.

  51. 51. Joel

    congrats on 4 years.
    my priorities.
    1) live frugally
    2) pay down debt
    3) save save save.

  52. 52. Pete

    Priority: Build retirement portfolio

  53. 53. BluenoserinCowtown

    congrats on all of the progress over the last 4 years, I have learned a lot reading your blog…thanks!
    my priority is to pay off our mortgage

  54. 54. k

    Way to go!! What a milestone!!
    Priority —> decrease the debt while the rates stay low

  55. 55. Todd F

    Signed up, current priority is to pay down debt.

  56. 56. chantl01

    Love this blog – it’s one of the websites I visit daily. In addition to RFD, of course! Smartcanucks is another good one.

    My financial priorities are all about paying down the mortgage. I’ve dropped my remaining amortization from 20 to 6 years so far, by increasing payments and adding lump sums. I have about 2 1/2 years left on my current term, on a variable, so the way things are looking, I’m hoping I might actually get it paid off within that term. Mortgage free at last!!

  57. 57. Jason

    Good job MTJ! My biggest priority is getting as much paid down on our (admittedly large) mortgage.

  58. 58. Finance_Addict

    build portfolio as mortgage payed off in Oct 2010.
    Congrats on 4 yrs.

  59. 59. Jane Smith

    Trying to pay down debt and save for my children’s education. I love your blog – it keeps me focussed on what’s important for when I’m ready to build wealth.

  60. 60. Luc Richard

    Another great contest. My priority is to pay down debt

  61. 61. Chao

    Congratulations. My current goal is to quit my full time job!!!!

  62. My current goal is to save as much as I can for my retirement and vacation while still putting enough away to add value to our home and pay down the mortgage faster.

  63. 63. Jim Yih

    Congratulations on your anniversary. You should be very proud of your achievements. My goal is to build the income in my new business.

  64. 64. Nathan

    Hello there and congrats on a good four years! All these years I enjoyed your blog. Keep up the good work.
    My priorities are,
    Consolidate all registered account with one brokerage account.
    Improve my trading skills and enjoy my wonderful life.

  65. 65. Chad

    I’ve been following for about a year and really enjoy the posts and discussion. As my mortgage is almost paid off now, I am focusing on maxing out my TFSA’s and creating passive investment income.

  66. 66. andrewbpaterson

    Congrats…I’ve been following for several years now!

    Current priority: pay down debt within 6 months, then accumulate a 4 month savings reserve by the summer of 2012.

  67. 67. Doug

    Working on building wealth…TFSA first and then RRSP.

  68. 68. Saver

    Great post MDJ, keep up the good work. For the contest entry our priorities are:

    Pay down debt
    Increase savings through TFSA and stock porfolio

  69. 69. Rod

    Great job!
    Our priority is to build our real estate portfolio.

  70. 70. Elaine M Tarrant

    Build a portfolio, asap!

  71. 71. Shelly

    My goal for 2011 is to continue to save for a down payment!

  72. 72. Brian

    My priority is to pay down our debt, continue to build our portfolio’s and savings.

  73. 73. Jeff

    Gret website.

    Priority arrange finances to cover all retirement cost for next 30 years.

  74. 74. James

    My priority is to pay down our mortgage, develop an RESP for our child, and continue to build on our portfolio and savings.

  75. 75. Linda R

    Excellent reading – thanks! Currently on disability recovering from illness. Hopefully back to work in the new year, then priority is to catch up and pay down debt, including mortgage.

  76. 76. Senk

    My financial priority is making pre-payment on my mortgage.

  77. 77. Chris

    Congrats on 4 years! Great Website! Current Priority: Pay down debt.

  78. 78. PoorFella

    Congrats on the 4 years! Current goal: pay down debt

  79. 79. RI

    Congratulations, wish you ever success!

  80. 80. Phong

    Congrats on 4 big years. I’ve enjoyed reading the blog for almost that long. My current priority is to build a portfolio and get some passive income.

  81. 81. Pat

    Great site. Been following for about 2 years now and keep coming back for more tips. Current priority for us right now is to complete some home reno’s and get portfolio adjusted for the when the economy strengthens some more.

  82. 82. Miss T

    Congratulations on your anniversary. 4 years of blogging is definitely something to celebrate. My current financial goal is to pay off our LOC and save for a baby.

  83. 83. Stephen

    Crush the mortgage!

  84. 84. Alyson

    Enjoy reading your blog daily. Keep up the good work.

  85. 85. Patrick

    Long-time reader, but have never signed up till now. Goals right now are paying off the mortgage and getting the retirement maximized

  86. 86. George

    Our number one priority is to burn the mortgage. Only 20 months to go!

  87. 87. Stacey

    1. Pay off the student debt.
    2. Double up the mortgage payments.

  88. 88. Michelle

    Congrats on four years!

    In 2010 we filled our emergency fund and maxed out the rrsp. Our goal for 2011 is filling our tfsas and paying for some home renos.

  89. 89. Mike from Toronto

    Congratulations on the anniversary. My current goal is to pay down the stubborn debt!

  90. 90. Denise

    Congratulations! My current priority is paying of my mortgage while trying to build a portfolio.

  91. 91. Adam

    Priority: dividend stocks

  92. 92. Kirk

    My financial priority is to pay off our mortgage. It is our first one, but we are hoping to pay the entire thing off by the end of the term (5 years). So far so good.

  93. 93. Darren

    We’re maxing out our RRSP’s, TFSA’s and putting as much against the mortgage as possible.

  94. Signed up. Hope I win. On the investing track. Wish we were doing as well as you guys are.

  95. Congratulations!! It’s been a great 4 years of reading and education.

    My priority is to keep paying extra payments on my mortgage and have it paid off in a few years.

  96. 96. Alison

    Congrats on four years of blogging! I enjoy your posts. My current financial priority is putting a dent in my mortgage as I have just purchased a home as well as maxing out my TFSA.

  97. 97. Emily

    Congrats FT!

    Our priorities are to pay off all existing debt (exc mortgage) max TFSA and RESPs…ahh yes and bring our net worth out of the negative! About -$2300 now and going strong.

  98. 98. Florence

    signed up for newsletter! my priority is to pay off debt!

  99. 99. Rick

    Current financial priority – growing the portfolio to retire within 10 years.

  100. 100. sneeker

    Priority – Pay off debt! Thanks!

  101. 101. Trevor

    Current goals are building portfolio and saving for down payment on triplex.


  102. 102. KLM

    1. Building my portfolio. Continue taking full advantage of TFSA and RESP (our continued saving habits always enable this).

  103. 103. Janis

    Congrats on 4 years!

    My current goal is to build my downpayment.

  104. 104. Willie

    Congrats! My current goal is all about saving up enough to put a 20 to 25 percent down on my first home.

  105. 105. James

    Currently I am looking at paying down debt

  106. 106. RobW

    Congratulations on the anniversary. Building RRSPs is top priority right now.

  107. 107. Richard

    My goal is to have no debt and a portfolio of 1 million in stocks and fixed income securities

  108. 108. Craig

    Looking to build my income generating portfolio within my TFSA

  109. 109. Peter

    Currently I would like to pay down debt and then pump my my money into investments.

  110. 110. Christy

    Would love to be debt free in 5 years!

  111. 111. Raj

    Our family’s (of 4) current priority is to build our portfolio and achieve a $1M Networth by Year 2013.


  112. 112. Kevin Bundscho

    Hi FT, longtime reader, first time poster. Congratulations on 4 year milestone. Longterm financial priority is FI, short-term priority is to save 10K in time for new home closing Sept/2011.

  113. 113. Kevin

    Since starting reading your blog, I too have been calculating net worth monthly. What a great eye opener! I’m happy to say that my priority is no longer paying off debt (as it’s all paid off except for the mortgage) and saving up for a replacement car…something with more room for the golden retriever.

  114. 114. rob remmer

    Currently looking to pay down Home line of credit but still have money to enjoy some of the finer things in life – like an ipod touch- This could help with my savings plan. Thanks

  115. 115. Ell

    Max out my TFSA

  116. 116. Will

    Paying down debt for me.

  117. 117. ROBERT SCOTT


  118. 118. Ryan

    Current priority is paying down our upcoming mortgage, hope to do so within 11 years…time to crack down on expenses!

  119. 119. DavidV

    Paying off my mortgage (my only debt) while also saving. But, I’m putting more money towards debt.

  120. 120. Jamas

    Pay down mortgage! I’m jealous you are now mortgage free.

  121. 121. maureen C

    Congratulations! My goal is to pay down debt and then save for retirement

  122. 122. Jeff_S

    Paying down the mortgage – we’re living on my paycheque and putting my wife’s directly against the mortgage.

  123. 123. Chet

    Pay down debt on principal residence.

  124. 124. Susan

    Really enjoying your blog. I’m on a similar journey (though later in life, so a little more time pressure). Started 7 yrs ago with $35K, now have net worth of $650K. Going for the million within 2 years (by the time I’m 50). Thanks for the inspiration!

  125. 125. Brian

    Congrats on 4 years! I’m saving to buy my first house.

  126. 126. Scott

    Paying down debt is our first priority for the new year. Having low interest rates at this time is helping us to achieve this goal faster.

  127. 127. qubikal

    Congratulations! and thank you for sharing your financial knowledge! I remember finding out about your site 4 years ago when I was trying to figure out how to implement the Smith Manueover.

    Current priority is to finish off paying down the mortgage within the next 2-3 years.

  128. 128. Mike Fuellbrandt

    My current financial priority is to pay down my mortgage, and increase our family savings.

  129. 129. Lanette

    Congrats on making it to four years! I’m already a MDJ newsletter subscriber. My current financial priority (aside from selling a house and buying one in a far more expensive market) is building my emergency fund

  130. 130. Jusebastien

    -Finish paying off mortgage (ends in 10 months)
    -Complete product prototype to start my own company

  131. 131. nobleea

    congrats FT, i think i’ve been following you for close to 4 years. maybe 3.5

    priorities for 2011:
    refinance mortgage into a lower rate
    finish home renos
    increase net worth by 35%.

  132. 132. RJ

    Just signed up – love your blog. My current priority is to pay down my LOC (used to finance the down payment on our new house to avoid CMHC premiums).

  133. 133. bdelaur

    Congrats on 4 years, been following your progress, well done. Me: max RRSP/TFSA every year, pay down mortgage thereafter.

  134. 134. dannycanuck

    Our priorities:

    -Max out RRSP contributions 2010
    -Invest tax return in TFSA
    -Pay down mortgage $20,000 in 2011

    Great site!

  135. 135. Debbie

    Current goal: pay down debt on home. Secondary goal, quit obsessing about paying down debt and purchase some new appliances that aren’t white and discoloured yellow on certain parts.

  136. 136. J Oakley

    Interesting. Just signed up for the new newsletter. Always enjoy reading this blog, especially since it has Canadian information.
    My priority is savings, and learning to manage them.

  137. 137. Gerry

    1) Diversify investments out of cash

  138. 138. Judy

    congrats on 4 years! priority is to simplify finances and get ready for retirement- 2 years away

  139. 139. Jon

    Congrats on 4 years. I’ve found a lot of value in your blog. Keep it up!
    My priority is to build a passive income stream to reduce my dependency on traditional employment (while preserving and ideally growing capital, of course).

  140. 140. Sean

    Build savings/portfolio.

  141. 141. Marianne O

    Wow – 4 years – that’s a long time in cyberland! Good for you!

    My current priority is building up our TFSAs for 3 purposes: emergency fund, expected expenses (e.g. replacing our car), and funding a family vacation. We’re already on track with our retirement savings, but way behind on the three items above.

  142. 142. Elbyron

    Congrats! My main focus right now is to put every extra dollar towards paying down the mortgage.

  143. 143. Doug

    signed up – priority is currently paying down the mortgage…well mine is. my wifes priority is adding cash to her bank account! She loves having “safe” money

  144. 144. Lisa

    My current priority is to pay down debt…
    Congrats on 4 years!

  145. 145. No Fees For Me

    My priority – get off my butt and invest the cash sitting in my trading account.

  146. 146. Roberto

    Thanks for all the great content! I enjoy the blog everyday. My current financial priority is to increase my savings! Thanks for all the help:)

  147. 147. Susan


    I’m a newsletter subscriber from before, and my priority is paying down my mortgage.

  148. 148. RRS

    My main priority is to pay down our mortgage with some leveraged investments (Smith Maneouvre).

  149. 149. Raf

    Priority: Pay down debt.

  150. 150. Garrett

    Pay down debt (student loans + mortgage)

  151. 151. Marypat

    Congratulations! My priority is increasing our portfolio as retirement is just around the corner.I have become increasingly interested in dividend investing as I read the financial blogs.

  152. 152. Neeraj

    Current priority: pay off the mortgage and increase RRSP contribution to save taxes.

  153. 153. Anu

    my priority is to save taxes

  154. 154. Mark

    Current Priority: Eliminate all non-mortgage debt. On target to be done by end of 2011.

  155. 155. Mary M

    Retirement planning.

  156. 156. Slacker

    Current Priority: Maintain budget discipline, reduce frivolous spending (lattes and eating out), and increase higher-quality spending (travelling)

  157. 157. Graeme Hussey

    Current priority-building wealth through real estate

  158. 158. L. Yang

    Current Priority: Paying off all line of credit debt and re-building emergency fund.

  159. 159. Future Money-Bags

    4 years, look at all you have accomplished!!
    4 years ago is when I started seriously saving money as well.
    Now I am well ahead of most people my age (financially) due to saving and being frugal and living below my means.
    Never had debt, and I hope the only debt I will ever have is a mortgage. :)

    Thanks for helping me on my personal Journey!

  160. 160. Heather

    Wow – what a great giveaway!

    Thanks for four years of fun (even though I’ve only been reading for one!).

    My priority is maxing out my TFSA for 2011 (2010 is already done!).

    Thanks again,

  161. 161. J Li

    Congratulations on the milestone. My current priority is to eliminate the balance on my line of credit, and also to pay down the mortgage taking advantage of the low fixed rate.

  162. 162. Big E

    Congrats on the 4 year mark! My priority – pay down mortgage while slowly building portfolio at the same time.

  163. 163. sean

    Congrats on the anniversary and thanks for all the solid financial advice. It’s been a pretty wild four years.

    My top priority: Continue growing that down payment for a home.

  164. 164. TomC

    pay off mortgage, then all $$ into RSPs!

  165. 165. Bill

    Congratulation , my current priority is to pay off the mortgage .

  166. 166. Dean

    Our current priority is to continue maxing out our TFSA’s and to pay down non-deductible debt. Congrats on 4 years already!

  167. 167. Eric

    Congrats on your 4th year. MDJ is a core holding in my financial blog portfolio.
    Priority – pay down the non-deductible portion of our mortgage and establish a well diversified index-based retirement portfolio.

  168. 168. Joel

    My current goal is a very simple one: create an actual budget and do a better job or tracking all expenses – every last dollar! My wife and I are very good savers, are aggressive with our mortgage, and both earn very good salaries. However, I always feel as though we should have more to show for it at the end of the year. I think we spend too much on things that we otherwise would not if we did a better job of tracking where all our money went.

  169. Congratulations on your amazing success MDJ!
    Happy 4 year Blogiversary!

    I guess a lot of PF blogs start up around this time, eh? (me, you, The Financial Blogger)

    Here’s to many many more years and working a 4 hour workweek with your website!

    My current most important financial goal is… pay off my mortgage, because I just got one! :)

  170. 170. Erik

    Congrats! My current financial priority is to review my investment strategy while building my portfolio and increasing my savings.

  171. 171. Chris

    Congratulations on the 4 years. I enjoy reading all of your articles (current and past postings). Current priorities are to build passive income and reduce our debt.

  172. 172. Gene

    Currently trying to build my portfolio! Thanks MDJ!

  173. 173. Bud Davidge

    Congratulations. Continue to build wealth and learn as much from
    sites like MDJ as possible to make it happen.

  174. 174. LB

    Current financial goals are:
    1) Build up emergency savings again
    2) Pay off all credit cards (remaining debt)
    3) Put more money into savings
    4) Go back to College and finish with no debt!!!!!

  175. 175. Darren

    priority= paying off mortgage, building retirement portfolio

  176. 176. Marie Soulsby

    Congrats on 4 years headed in the right direction. I have several interests in the newsletter – but my most important one right now is tax reduction.

  177. 177. Jason

    Congrats on 4 years, heres to many more!
    Our current household goal is to pay off the mortgage by Xmas 2014.

  178. 178. Peter

    Congrats on the 4 years! My goal is to win the lottery! But failing that which I am sure I will since I don’t even buy tickets, portfolio building is my main goal.

  179. 179. ethan

    congrats ! Wow 4 years. My goal is to pay off my mortgage.

  180. 180. mcmatterson

    More than all other personal finance blogs, I have gone back to the archives on yours anytime I need clarification or insightful opinions on a topic. This stuff is gold. Thank you.

  181. 181. David

    current goal – build portfolio

  182. 182. isabella nat

    good job with this!

  183. 183. Mateo

    Hi! Finally subscribed to your newsletter after two years of following your blog. Keep up the work, it’s a great community here!

    My priority for the last two years has been paying off our giant Canadian student loans. It’s been rather boring really, but looking forward to being in the plus and then really having some fun! :-) One more year hopefully!

  184. 184. ASH 37

    Nice giveaway! My goal is to build a DIVERSIFIED portfolio by adding new pieces everytime I have enough money saved.

  185. 185. Onil

    I’m looking for ways to save more and I’m going to work on a portfolio soon. Just about everything I have is in cash right now.

  186. 186. joncosmo

    Saving 20% down-payment for first home.

  187. My priority right now is putting money aside to purchase my next car — cash. I plan on buying next year.

    I may end up getting a car loan anyway, if the terms make sense. But I’ll know when I go shopping that I can pay the car in full and not rely on a loan.

  188. 188. Marc

    Good Job on the blog :)

  189. 189. DanP

    4, congrats!

    I have some lower interest loans, but right now im attempting to save up for a house. Avoid as many CMHC fees as i can!

  190. 190. Marc

    My priority – building up emergency cash :)

  191. 191. andy

    Congrats on the 4 year journey

    been reading your site a few months ago, signed up for the newsletter just now and my financial priority is to save up for my first home, got my downpayment but working towards extra savings for the rainy day funds

  192. 192. Steve

    Paying down the mortgage is #1 for us currently.

  193. 193. tripleBottomLine

    Thank you for continuing the MDJ blog! My financial priority is paying down debt (my mortgage) whilst maximizing my RRSP contributions.

  194. 194. Erick

    Current financial priority: Save up enough to ease into semi-retirement in the next few years.

  195. 195. Alice

    building retirement portfolio is my current priority.

  196. 196. Brad

    I’m trying to pay off debt and build our saving account at the same time. We’ll see how that goes. I might just dump it onto the debt but would rather have a “fall back” account just in case I get fired :-)

  197. 197. Brian C

    Pay off Mtg in next 26 months and then continue to build my retirement portfolio focussing on income. Hopefully in the next decade it can replace my current work income so I can retire!

  198. 198. Chris

    Woo 4 years! My priority is to invest like crazy so I can retire early

  199. 199. flying dutchman

    Love the posts, learning lots, my main focus is paying down mortgage.

  200. 200. Jamie

    My priority is to build up a retirement portfolio by making the right investment.

  201. 201. dnaman

    CONGRATS! From this site, i created and tracked our own net worth. Currently we have a mortgage as the largest debt (220k) but also have substantial RRSPs (200k) and equity not too bad (200k). The rest (savings/TFSA, etc..) are all minor numbers relatively speaking.

  202. 202. JED

    Wow! Congratulations on the 4 years. My current interest is learning how to build more income. I have most of my debt under control for now.

  203. 203. Mel

    Congrats on 4 years! I have been a long time reader and wish you nothing but future success!!

    Our current priority is to pay down the mortgage and catch up on available contribution room for the RRSP. Now that we have no other consumer debt, these two goals are much more attainable.

  204. 204. Caitlin

    Congratulations on 4 years!!

    I’m already subscribed to your newsletter! ^_^

    Right now my goal is to pay off debt.

  205. 205. AM

    My priority – get rid of the mortgage

  206. 206. Richard

    Right now my goal is to pay off my mortgage.

  207. 207. Amy

    my priority right now is to build up our portfolios and paying down our mortgage

  208. 208. Jeff G

    We are just about to finish paying off our mortgage so we are now focusing on saving for retirement.

  209. 209. QCash

    My priority is to catch up on all the past articles of MDJ that I have missed because I have been so busy :-)

    PS FT – note my new email address.

  210. 210. Mike

    Current priority is retirement and newborn education fund!

  211. 211. Feizal

    Priority right now is paying down our mortgage and building up my Smith Manoeuvre portfolio.

    Thanks for a great 4 years and many more!

  212. 212. Tim

    Looking to get into the “green” in the stock market and purchase a house.

  213. 213. Greg

    Congratulations on 4 years.

    2 priorities: pay down line of credit and pump money into RRSP.

  214. 214. Leanne

    Biggest financial goal – to balance retirement income with desired retirement activities.

  215. 215. Murugesan M

    priorities: learn and stock trading

  216. 216. Zip

    Congrats, MDJ!
    Wish you many more years of successful blogging, FT.

    My priority? SAVE, SAVE SAVE.. :)

  217. 217. Mark F

    Congratulations on 4 yrs. My priority is to build up my portfolio.

  218. 218. Briana @ GBR

    Congratulations on 4 years strong!! I’m sure it’s been hard but I see it’s done great things for your financial situation.

    My current priorities are to pay down my debt and save up an emergency fund. It’s going to take a while, but no one said it’d be easy. I just have to be determined and dedicated.

  219. 219. Allawi


    Top priority this year is paying down my debt.

  220. Congratulations on your 4-year milestone! What an exciting time for you, and the success you have achieved to date is impressive.

    My current priority is to pay down debt. I have a car loan that I got in March of this year that I am aggressively trying to pay down. Once that’s done, I’m putting the pedal to the metal to pay off my outstanding student loans. Hopefully within the next 1-2 years will be debt free.

  221. 221. Frank

    Congratulations !

    always an entertaining and informative read which many times echoes things I did years ago – before the internet existed!

    My priority is to maintain my nestegg an achieve a perpetual passive income stream to maintain my financial freedom.

  222. 222. Sarah T

    Congrats on 4 years!
    I’ve been reading for at least 2 of them… maybe more. :)

    Current priority – building portfolio

  223. 223. Phil

    Paying down debt is the current priority

  224. 224. JG

    Congrats on 4 years. Keep up the good work!
    Priority #1: Pay down debt!

  225. 225. Jenifer

    My current priority is to preserve my capital and to further increase my saving so I can retire in 5 years.

  226. 226. Daria

    Our financial priority is to contribute monthly to our RESP. Congrats on 4 years! Great newsletter!

  227. 227. BadCaleb

    Congrats and thanks for continuing to provide great Canadian financial content. Our top priority is to build our investment portfolio through dividend growth stocks and index etfs/funds.

  228. Wow, some great prizes.

    My priority is to create and follow my first budget in 2011.

  229. 229. Norman

    Create a balanced portfolio.

  230. 230. Siva

    Create a Dividend Growth Portfolio!

  231. 231. Ayesha

    Learn about investing and build a porfolio

  232. 232. Ethan

    The priority that my wife and I created was to start working on our savings account. This meant actually having cash available that was liquid for the first time in our lives! We now have nearly 1/3 of our desired 6 month savings thanks to smart savings techniques after only 6 months!

  233. 233. Rob

    I’d like to start paying down the debt then the mortgage but my priority right now is my upcoming wedding.

  234. 234. Guri

    current priority is to pay off the mortgage.

  235. 235. Zdad

    congrats on your 4th year. Always find your posts very informative. Would have signed up for the Money Tips Newsletter regardless but winning a prize would be icing on the cake! (please sign me up)

    My Priority: fortunate that we don’t carry debt so my priority is on building a dividend portfolio as well as maxing out my newborn daughters RESP.

  236. 236. Adam

    Thank you for helping me feel optimistic. My priority is to pay off the debt from my student loan.

  237. 237. Melanie Samson

    Thanks for the great content!

  238. 238. Kashif

    Curent priority is to pay down my debt

  239. 239. Taylor

    Congrats on your blogiversary!

    My priority is to pay off my student debt!

  240. 240. Natalie

    current priority, make it through maternity leave on the savings I have set aside. Then once back at work in 8 months my priority is to get rid of my remaining student loan.

  241. 241. Kenny

    Current priority: save! (with the help of your blog of course)

  242. 242. Brian

    Priority – Building Savings

  243. 243. Kyle

    Great Contest: My current priority is to save up enough to begin the Smith Manuevre.

  244. 244. Bryce


    1. Pay down student loans
    2. Save up down payment for my first house
    3. Save up for an engagement ring

    In any order.

  245. 245. Kevin

    1. Invest
    2. Pay down Home
    3. Invest

  246. 246. John Lee

    Congrats on the 4 years. Without a doubt, one of the best PF blogs around.
    My current financial priority is to pay down my mortgage.

  247. 247. Patrick

    I currently have three priorities for investing, all with different portfolios. My first is to earn more interest than a high interest savings account; this will be used as down payment on my condo in 8 months (fingers crossed!). Second is long-term vacation planning: I’m planning a trip to Antarctica in 2014. The third is retirement: starting early = more savings.

  248. 248. Jamie Stevenson

    Currently working on paying my way through school. Cheers

  249. 249. Nick

    Congrats! Currently my priority is to increase my registered portfolio.

  250. 250. Nicolas

    Current goal is to decide how much is worth a better job that pays less than the present one. How does one calculate that.

  251. 251. Ben

    Top priority is to eliminate the mortgage.

  252. 252. Steph

    Congrats on this anniversary !

    My top priority in 2011 is to keep investing in my RRSP, TFSA and RESP for my two kids at the same rate as 2010.

  253. 253. Jenny B

    Paying down debt is my priority right now.

  254. 254. Neal

    Love the site, been reading your blog for awhile now.

    My current plan is start building a portfolio after having secured a full time position. Currently looking at the couch potato strategy, contributing to my RRSP, and maxing out my TFSA.

  255. 255. Luc.s

    My current financial priority is to start an rrsp and fund a 6 month emergency account.

  256. 256. Bobby

    Paying off schoooool. Bahhhh

  257. 257. Dane

    My goal is to get rid of my 150K mortgage as soon as humanly possible!! :)

  258. 258. John

    Goal – preserve what I have during retirement.

  259. 259. Colin

    Congratulations on 4 years.

    My goal is for my wife and I to retire at 50. In order to accomplish this, our priorities are:

    1. Pay off mortgage – only 30k left
    2. Maximize RRSP, TFSA, RESP contributions

    That is it.

  260. 260. Imad

    Congrats for the great work, I only knew the basics with investing and you helped me leverage alot more on my current investment. No wonder there is that many people subscribed!

    As for my financial goal in 2011 and my priority, save 25% of the price of the new house I am planning to move into so I can avoid any mortgage insurance.

    Keep up the great work and looking forward to you next posts!

  261. 261. Ken Sidloski

    Current priority; set up DRIP plans for Canadian companies (about 10 or so) and make quarterly payments to my favorites to avoid MERs and fees. currently have 7 started with 1 OCP, planning to make the other 6 OCP’s by end of December.

    Next is to set up TFSA for myself and wife (hopefully by end of 2010)

    and sometime in 2011 set up a leveraged account (similar to Smith Manouvre) to invest through an online broker to capialize on capital gains AND dividends TAX FREE.

  262. 262. Scott

    I’ve learned a lot since I started reading. Thanks!

    My priority – get rid of that dang old mortgage!!

  263. 263. Illest Sniper

    Awesome blog – my favourite financial blog by far.

    Top financial priority – build up savings in order to make a solid down payment for a house.

  264. 264. Judy

    Congratulations on your success.

    My priority is to be completely consumer debt free by April 2011. You are an inspiration.

  265. 265. Triple_Eh

    Congrats! My goal is to build my portfolio and net worth.

  266. 266. Birdie

    My goal is to save for a 20% downpayment on my first home.

  267. 267. Mehul

    Congratulation MDJ. I am reading your blog since a year. It is very helpful. My priority is to pay down my mortgage as well as increase my RRSP and RESP portfolio. Thank you very much for you information. Keep it up!!! :)

  268. 268. E.A

    I don’t normally register at websites but for this occasion I have.

  269. 269. guinness416

    Yay – happy birthday!!! Top priority for me is banking a big raise when they’re announced at my place at the end of this week (wish me luck y’all)! After that – socking tons o’ cash away for an expensive buy I’ve got coming in early 2012.

  270. 270. Jared

    Paying off Mortgage

  271. 271. DawgeR

    My goal is to enjoy life and stop worrying about the money I’ve lost

  272. 272. Stevie

    Congrats FT! Current priority is to save for my wedding which is next year.

  273. 273. Sampson

    Good job FT. Highest priority now is probably paying down debt.

  274. 274. Michael

    Pay off my student loans and max my TFSA’s are my two main priorities.

    Thanks MDJ. This site has been getting better every year. Keep it up

  275. 275. $ave

    Congrats FT: I hope to buy 20 dividend paying stocks paying close to 5%

  276. 276. ZeFrench

    Joyeux anniversaire MDJ!
    Our current financial/personal priority is to finish our extensive renovations on time and on budget. So far so good!

  277. 277. AL

    build portfolio

  278. 278. Michael Smith

    Congrats on 4 years and love the articles/insight. I would like to build a portfolio.

  279. 279. Nate

    Congrats! My priority is to keep building up my portfolio and max out my tfsa contribution.

  280. 280. Eric

    My primary goal is debt reduction. Although, I am not neglecting optimizing my RRSP and RESP.

  281. 281. coffeeordeath

    Happy Anniversary,
    Our priority is to build our portfolio through the Smith Manouevre – which we could not have implemented without this site!

  282. 282. Jerry Wu

    Congratulations FT on the 4 year anniversary!

    Came across MDJ a couple of months ago and realized we have the same goal – get to a million dollar net worth by 35 – I got 5 more years to go. After reading more articles I found out we both are frugal engineers at early 30’s.

    Also congrats on being mortgage free. I still have 240K to pay off on my first home (in Vancouver).

    First priority be building up solid portfolio in the meantime paying off mortgage slowly (taking advantage of the low interest rate).

  283. 283. Jungle

    Happy Anniversary!

    Our main focus right now is to pay off the rest of our car which is on 0% cc. We are currently making extra mortgage payments. I am keeping my eyes on a couple stocks to add for our SM account.

    Thanks all, I hope I win!

  284. 284. Darryl

    1. Invest in TSFA
    2. Pay down Mortgage
    3. Invest non-registered account
    Congrats for 4 years! Keep up the great work!

  285. 285. Cuong

    Happy Anniversary!

    My priority – Pay off the line of credit before the rates go up, so I can spend it on vacations and do it all over again!

  286. 286. Flyguy1ca

    Great site

    Current goal: pay off mortgage :)

  287. 287. Elaine

    I’ve been enjoying this blog for the past 2 years. Keep up the great work. My goals are to keep plugging away at that mortgage and to learn more about investing and retirement planning… thanks to this site!

  288. 288. Mag

    Congratulations on 4 great years!

    Right now my financial priority is to build a portfolio.

  289. 289. Ken

    My main goal is to build up a portfolio. I was aiming at trying my own million dollar journey, but I don’t think that’s going to happen before I’m 35 … ;)

  290. 290. Noor

    Happy Anniversary!

    My current priority is to build my portfolio.

  291. 291. Marc

    save up for house :)


  292. 292. Henry

    My financial priority is to save for retirement.

  293. 293. dustin

    i want to pay off all my debts, top off my chilld’s resp and my rrsp, and retire well while i stil have the ability to be physicl

  294. 294. Ron

    Happy 4th anniversary!

    My current goal is to build my portfolio and save enough money for down payment of my future house.

  295. 295. Warren Xavier

    My current priority is to build build build (and hopefully grow) that portfolio.

  296. 296. BethO

    Congrats on 4 years!

    Paying off mortage July 2011!

  297. 297. Andrew

    Congratulations, your blog has been a great aid to us.
    Our current priority is 60% pay off mortgage and 40% passive income.

  298. 298. Frank

    Looking forward to reading the newsletter. My current priority is to build a portfolio.

  299. 299. Lallyn

    Current goal – to pay down debt and get the lowest interest rates and to continue to save.

  300. 300. Lisa J McK

    Congratulations on your 4th anniversary and your progres to date toward your goal. We should all have been so wise in our twenties! My financial goal: to increase the value of my investments by 20% within 5 years.

  301. 301. Ann

    My financial Priority: finish paying off my car loan in March and then start throwing all that money on our LOC to try to pay it down so we can run it up again on new windows and a deck replacement! Arrggh!

  302. 302. Peter

    My current goal is to build my portfolio.

  303. 303. Nathan

    Congrats! Really enjoyed your blog and viewpoints as well as the other contributors.

    Currently building out a portfolio, would love to see more of your dividend picks and progress. Enrolled in CFA program.

  304. 304. DG


    Working on my mortgage.

  305. 305. Play the odds

    Portfolio building + savings

  306. 306. ITS

    I would like to retire from 9-5 at 45 years old

  307. 307. Arlechino

    I’ve been in school for way too long, and have been slowly building up debt over the years. My first priority is to try to keep my debt growing as slowly as possible. My second is to make the minimum contributions to programs, like my son’s RESP, which give extra benefits to low-income families. Once I actually start to earn a salary, I think I’ll focus more on building a few months of savings in a TFSA rather than paying down my debt early- the peace of mind of knowing that I have some security is worth the extra interest.

  308. 308. bettyvee

    My goal in 2010 was to pool some savings and learn as much as possible. My goal for 2011 will be to start investing.

  309. 309. Rich

    Thanks for the contest!
    My priority is pay down mortgage

  310. 310. RJ

    Congrats. My goal is to consolidate my investment accounts and build my porfolio.

  311. 311. Johnny S

    Building wealth… debt pretty much paid off :-)

  312. 312. geoff

    Already newsletter subscriber.

    But planning on maximizing my tfsa contribution at the beginning of the 2011 calendar. With Reits and bond funds.

  313. 313. Alex

    My priority for the new year, avoid lifestyle inflation. I’m getting a raise so I should be able to increase my savings significantly. Thanks for the contest

  314. 314. str8jkt

    Ugh, working on paying down the brand new (much too high) mortgage on the new house we just built.

  315. 315. Sarlock

    Pay off mortgage in 4 years… slowly getting there!

  316. 316. Ryan

    My #1 goal is not eliminate all consumer debt. Then I will focus on mortgage.

    Congrats on the 4 year milestone!

  317. 317. DoNotWait

    Signed up! But only wanted to say : CONGRATS! Very very nice.

  318. 318. Victor

    Compounding investments by reinvesting on a continuous monthly basis and letting all interest re-invest.

  319. 319. Andre

    Congrats. My current goal is build my retirement portfolio with dividend paying stocks and ETF’s.

  320. 320. Antoine

    Congratulations, 4 years is quite an achievement! And I’m sure you must be thrilled already to think about next year with a symbolic 5 years birthday coming.

    As for my priorities, I’d say that since kid #1 has arrived 6 months ago and considering I’m debt free, I’d like to improve my “money efficiency”, i.e. take advantage of all fiscal possibilities to save dimes and pennies (or more) to build up a solid education fund for my child.

    Oh and, btw, Merry Christmas and happy new year to all MDJ readers!

  321. 321. UpNorth

    Great work. Currently building an emergency fund and saving for around the world plane tickets.

  322. 322. Romeo

    Congrats on 4 years. My priority is to pay down consumer debt. Then tackle the mortgage.

  323. 323. Ed

    Priority is to save up more cash for a downpayment on a condo.

  324. 324. stacey

    My priority is to build up my emergency fund.

  325. 325. EC

    Congratulation MDJ!
    My priority is to pay down mortgage and build SM portfolio.

  326. 326. DividendMan

    My priority is to build up my portfolio so that when I’m 35 I can have all my basic expenses (rent, food, etc.) covered by passive income, so I could quit my job… although even if I make that goal I doubt I’ll quit working :)

  327. 327. rq

    build up emergency savings and pay down mortgage

  328. 328. jjmclell

    Just got engaged and bought a house and now finding myself over-extended. My short-term goal is to have my higher interest bank loans cleared up by Feb. 2013. After that I’d like to focus more on my investments.

  329. 329. ahmad

    Congrats FT!

    Currently I am focusing on building our RRSP portfolio for retirement. All debt paid off last year.

  330. 330. Roger G

    Hey, great blog man!

    Recently graduated, so focusing on paying off high interest student loans for now.

  331. 331. Matt Sheldon

    Long time reader, sometimes highly critical of your postings, don’t exclude me because of that :)

    Day trader for 2 years now building a healthy portfolio


  332. 332. Matt

    Thanks for the great prizes!

    I’m currently trying to save to put together a sizable down payment to buy a condo in the next couple years.

  333. 333. Crystal


    I’ve been very inspired by your amazing blog..
    My first goal is paying off all my debts.

  334. 334. Russell

    Great site. Current priorities are to pay down debt and create a sensible exit strategy for two of the three properties that I own. Low intrest rates are hiding a huge risk potential on the horizon!

  335. 335. Brad

    I’ve been following mdj for almost the entire 4 years – it’s been a great resource. My wife and I just moved to phase 2 of life and we’re re-adjusting things so we can still pay down debt.

  336. 336. Veronica

    Congrats! My current goal is saving for a family trip to Europe in a few years.

  337. 337. Viv

    Great site. My goal is to stop chasing the wrong trades

  338. 338. Colleen

    Congratulations!! My current goal is saving for my wedding in less then a year!

  339. 339. Rob

    Current priority is to pay off LOC and followed by mortgage

  340. 340. Steve

    My priority is building wealth.

  341. 341. Dave

    Congratulations FT!

    Since I started following your site a couple years ago, I have started keeping track of my own financial journey. Thanks for leading the way!

  342. 342. N,


    Pay off mortgage and
    Catch up on RRSP contributions

  343. 343. Cory

    Current priority is building my RRSP portfolio

  344. 344. Marianne

    Signed up thanks. 5 year priority to build equity so can send kids to university!

  345. 345. Andre

    Build up my savings and emergency back up account

  346. 346. Christine

    Thanks for the chance to win!

    My current priorities are:
    1) Saving – Increasing Net Worth
    2) Mortgage Paydown


  347. 347. David

    Paying down debt, build portfolio.

  348. 348. Joyce

    Current priority: pay off debt

  349. 349. wx_junkie

    Great contest! My immediate goal is to continue SM to pay off Mortgage, then sell equities, pay capital gains taxes and complete HELOC, and have a bit left over with no mortgage payments to boot.

  350. 350. Xander

    Congratulations FT!!

    My current priority is to build my financial portfolio .

  351. 351. Steve

    Wow, hearing that made me realise how long I have been reading Million Dollar Journey! My current priority is saving, for my first house

  352. 352. Kevin M.

    Congratulations on 4 years!
    Current financial priority is to pay down debt.

  353. 353. Adam Poirier

    4 years? Congratulations! Here’s to many more!

    My current priority? Paying down the debt.

  354. 354. PuddleJumper

    My plans are to use my re-advancable mortgage at a great rate to transform and build a portfolio and switch mortgage interest into tax deductable investment interest…Thanks FT for the site and the chance to win.

  355. 355. Kate

    Build portfolio

  356. 356. Tin


    Current Priority: Pay off Student Loans

  357. 357. RL

    Congrats on your accomplishment! I have greatly enjoyed your site and the info it has provided in helping me with being more financial responsible and tips on saving. My current priority is establishing more of an emergency fund.

  358. 358. Marc

    I’m working on paying down the mortgage. I have a good rate and have been debating building my portfolio vs paying down my mortgage, but have decided on the mortgage.

    Congrats on the 4 years! I’ve been reading it for over 3 years and have learned a lot of great info.


  359. 359. Patrick

    Congrat’s on the 4 years – thanks for including us on your journey.
    Priority is on paying down debt and building up our portfolio.
    Thanks again.

  360. 360. Rachel N

    I would love to pay down my credit card and bills. being a single mom it’s really hard to keep up! Congrats on 4 years! and thank you for the giveaway

  361. 361. Shannon

    Our goal is to pay off debt and build savings. 2 big goals. Congrats on 4 years!!

  362. 362. Stephen

    Been a long time reader.

    Great question. Right now my current priority is to save for a mortgage. My closing date is in about 8 months, and super excited. While I do have my current savings, I feel I need to increase it to prepare for the amount of expenses the new life will have :)

  363. 363. Maltese

    Hey, I love your blog ….. lots of relevant posts!

    My goal is to retire in 4 years at the age of 59 with enough money to live comfortably. I’ll be a very happy camper if I can achieve this.

  364. 364. Alfred

    Great site and congratulations on 4 solid years. My goal is building my portfolio.

  365. 365. Mathew

    My goal is to build my portfolio and save for a wedding at the same time. Impossible? We’ll see!

  366. 366. Terri Axani

    Cheers to four fabulous years! My priority is getting that TFSA set up and preserving capital.

  367. Wow that was fast! It felt like just yesterday when I was congratulating MDJ on 3 years.
    Congratulations on 4 years now!

    My current financial goal is to graduate debt-free and then some. I am well on my way towards that goal, which I could partly attribute to MDJ! Thanks for the everything!

  368. 368. Tigger

    Current goal is to pay off the mortgage as soon as possible.

  369. 369. Carol

    My current goal is paying down my mortgage as quickly as possible.

  370. 370. Sarah

    Pay off our mortgage in the next year or two…before our oldest starts college.

  371. A major congratulations to you FT on your anniversary. You should be very proud! My current priority is two-pronged: pay down the mortgage and build a solid retirement portfolio.

    Keep up the great work and stay in touch.

    My Own Advisor

  372. 372. KEO

    I am looking to build my portfolio.

  373. 373. Jared Oldham

    My wife and I are doing our best to pay off debt. Each month is another great step in our journey!!!

  374. 374. Chris

    Thank you for the excellent blog. In 2011 I’d like to continue building my emergency fund and pay down my mortgage.

  375. 375. Paul T

    In 2011, I’d like to pay down my mortgage and get a good return on my investments

  376. 376. Graham

    My goal is saving for my wedding. :)

    Thanks for an awesome site!

  377. 377. Sameer Rizvi

    Love this site ever since I landed on it 2.5 years ago! My current goal is to save enough money to get a Masters degree :)

  378. 378. Sarah

    Need to build that portfolio!!!!!

  379. 379. Shirley


    Working slowly and steadily on emergency fund and rrsp.

  380. 380. Min

    Build the portfolio!

  381. 381. Mr Mar

    Goal to build portfolio. Big question for 2011…Can a portfolio have too much registered content?

  382. 382. Paul

    My present priority ? Get a more balanced portfolio, I’ve got a nice setup in Canada but was a bit chilly about investing outside our borders, but now it’ll take 2 years to get a balanced portfolio set up.

    Hoping for the Ipod :-) (but a gift card is cool too !)

  383. 383. Cindy Brick

    Pay down unexpected medical bills – and not incur more!

  384. 384. Dave

    Congratulations on the 4 years. My Current priority is to save up a down-payment for a house!

  385. 385. burk

    signed up. thx. current priority: build portfolio. measure net worth regularly

  386. 386. Elaine

    Congratulations on your 4 year anniversary. My current goal is to pay off my student loan while trying to save.

  387. 387. Jay

    Increase Net Worth consistently by building portfolio and assets, and paying down debt.

  388. 388. Cathy Beggs

    Congratulations. My current goal is to save for retirement.

  389. 389. Vipin

    Congratulations on completing 4 years….you are doing a great job…

    Current priority: Maximize RRSP/TFSA
    Pay off mortgage
    Retire early :)

  390. 390. Michael

    I am committed to paying down my mortgage in 11 years and building my RRSP and savings. Congratulations MDJ on 4 years. I’m looking forward for many more years to come.

  391. 391. Aurel

    Signed up! My goal is to build my portfolio.

  392. 392. Andy

    Congrats on 4th MDJ B’day.

    I am going to save for down payment on house.

  393. 393. Pam

    Congrats on the 4 years!! My priority is debt elimination

  394. 394. Greg

    Pay off mortgage and become debt free!!!!

  395. 395. Ken

    My current priority is to build portfolio up to point where it generates enough income for me to live on.

  396. 396. Chickeni

    Congratulations!! Current goal is to build portfolio & bring mortgage to zero.

  397. 397. Chris Crawley

    I’ve learned so much from your blog, I usually check your site once everyday to read any new articles, and read over past ones. My goal is to get rid of the bit of debt that I have, and invest in being able to retire while i’m young, and build up my financial IQ as much as possible. I learnt about Questrade from this site and have recently started up 2 accounts with them so far, I picked up a few books from your recommended books section (Garth Turner’s Money Road was really a great read). Million Dollar Journey is probably my current most favorite website/blog, and I check it almost more frequently than email!. Keep up the awesome work!

  398. 398. Vince

    current priority: pay down mortgage, then build porfolio

  399. 399. Naletar

    Congratulation on the first 4 years, hope there is many more to come :)

    Our current priority is building up portfolio while reducing our mortgage (SM)
    We have a rental property that we hadn’t been able to sell in 2009 after we fully renovated it (it’s paying itself and leave spare money sent toward SM) and we are always looking to sell and pass to a new projet flipping something bigger if a good opportunity arise.

  400. 400. Walter

    Looking to invest…

  401. 401. Jim

    Pay down mortgage is current priority.

  402. 402. Lynton

    Paying down debt is our current priority.

    Congrats on 4 years. I really enjoy reading this blog.

  403. 403. SophieW

    My biggest priority right now is paying off my car loan. I have 3 years of payments remaining, but at the rate I’m going it will be gone in 10 months! :)

    At the same time, I’m slowly building up an emergency fund. I could be putting that $100 a month on the car, but I don’t want to be stuck with additional debt if something catastrophic happens…

    Oh, and a huge CONGRATS on continuing to create such interesting and informative blogs for a whole 4 years!

  404. 404. mtach

    current priority: build portfolio.

  405. 405. Anthony

    Save for retirement.

  406. 406. Sean

    Thank you everyone involved with this site. My goal is to have a nice cushion (of cash).

  407. 407. Allan

    Current priority is to save and build portfolio.

  408. 408. Linda

    My current priority is to increase income – I became self employed earlier this year and my income has been cut substantially. As a result, we are not staying ahead of the cost of living :(

  409. 409. Sharkey

    Our current priority is to build up our portfolio, with a focus on figuring out what to do with our defined benefit pensions, because we’ve left the government for the private sector.

    Congrats on 4 years of MDJ, here’s to many more.

  410. 410. Mike

    Goal is to payoff mortgage next year, and then to use the smith manouver to leverage my house to pay off a mortgage on an investment property that has a higher interest rate (commercial) in two years when the mortgage term expires. Once this occurs I will be financially free at 40. Yipee!

  411. 411. Amanda

    Congratulations on four years! Our priority right now is paying down the mortgage. Boring but effective. :)

  412. 412. Jon

    My priority is to pay down debt, then start splitting savings between a down payment fund, RRSP and TFSA investing!

  413. 413. John

    Buy a second home and rent out the first home.

  414. 414. Chris

    Current priority is to pay down debt. We are focussing on our paying down our secured line of credit rather than our higher-interest student loans, because we would prefer the “wiggle room” when we go down to one income next year.

  415. 415. GTK

    Reduce that mortgage and build that RESP!

  416. 416. Veronica

    My priority is to pay down debt – once the credit cards are down we will focus on the mortgage.

  417. 417. Dutchie

    Current priority is to pay off mortgage while borrowing money back to buy investments

  418. 418. Rebecca

    Saving towards a down payment on a house.

  419. 419. Craig

    Priority is paying down debt.

  420. 420. Tanya

    Thanks MDJ and congrats!

    Current priority: focus on RSPs, Mortgage and RESPs in that order…for now. :)

  421. 421. Jeremy

    My priority is developing multiple streams of income, your blog post about that is what drew me here just now.

  422. 422. Michael

    Congrats on the 4 year anniversary.
    Like many, my personal goal this year is to pay down debt.

  423. 423. Michael

    Congrats on the milestone! Keep up the good work!

    I am focusing on maxing out my TFSA and RRSP contributions with any excess going towards paying down the mortgage.

  424. Congrats on the 4 year mark FT!

    My priority is to increase my online income, lots of plans for 2011 to make that happen!

  425. 425. Marie

    Congratulations FT on achieving a great milestone. Looking forward to see many more to come. Our priorities right now are to pay for kids education, reduce mortgage and Save bucks!

  426. 426. Varun

    Can’t believe it is 4 years already.

  427. 427. darryl

    My focus is paying down debt (mortgage)

  428. Congrats FT! Main priority continues to be building a portfolio.

  429. 4 years eh!
    Did not know when it happened. I knew that I have been reading your blog for a while, did not realize the clock ticked so fast.
    If you ask me for my financial goals then there are many. I shall be writing them down but can not finish – because we change over time. Few years ago I did not think about RESP – now I do. My present priorities are as follows:-

    1) Be debt free (various forms of debt).
    2) Pay cash.
    3) Save to buy.
    4) Do not become obsessed with the idea of becoming debt free.
    5) Spend as much time with family. No amount of money can buy me these precious hours – which I would pine for in future. (Time is money guys)

    Wish you good luck and happy holidays.

  430. 430. Irfan V

    Nice giveaway, thanks! My goal is to build up a solid retirement portfolio. Looking forward to the newsletters!

  431. 431. Karen

    Great blog, count me in on the contest. Our priorities have always been:

    1. save to buy and avoid debt – we have been mortgage-free for 6 years and are now in our late 40’s.
    2. Put the future before the present – we try to max out on RRSP and RESP’s (and now TFSA’s too) before spending on discretionary items.

  432. 432. jim

    Well done on 4 years. I’ve been an avid reader for a couple of years now.
    My priority is to pay down the home loan.

  433. 433. Larry

    Just signed up. My goal is to continue to build my portfolio to be in a position to retire in 6 years.

  434. 434. Steve

    Great work on the blog.

    Just paid off the mortgage, now working towards building up the RRSP and TFSA and supporting daughter in college.

    Struggling with whether to get back into equities after the last meltdown. Mainly in GICs right now.

  435. 435. Michael

    Thanks! My goal is the pay off the mortgage!

  436. 436. Bobby Aves


    1. Build portfolio. Have saved alot in the recent years and now to build something from it

  437. 437. Yves Blais

    Congrats, and thanks for providing so much usefull informations.

  438. 438. Ludger

    Financial Priority = diversifying investments / income streams, perhaps using some income properties. I’m solely invested in paper assets as it stands. I’m considering taking on some long-term investment debt at these low rates; I might as well make inflation my friend instead of my foe!

  439. 439. Li

    Paying down debt always comes first. If there were not any significant debt, build portfolio then.

  440. 440. Steve

    Congrats on four years of blogging. That’s an impressive stat. My goal is to become a more astute investor and to take greater ownership over my investment portfolio instead of leaving it in the hands of my financial advisorSteve

  441. 441. Marcel

    I’ve been delaying building that portfolio for too long.

  442. 442. Carlos

    My goal is to reduce credit card debt and pay off my mortgage

  443. 443. Antonio Lopez

    congrats! building a portfolio is my first priority!!

  444. 444. Newbie Investor

    had been reading your blog for the past year just signed up now. THanks for all the great info.
    Current priority : saving for down payment.

  445. Congratulations on your very successful blog! I am only 11,900 readers behind, but I don’t mind since my priority is to prosper by using my blog investigations to invest successfully.
    Best of luck,

  446. 446. ib

    Priority 1: pay of debt.
    Congrats – I’ve learned a lot from the blog.

  447. 447. Kenny

    Congrats on the 4 years! My highest priority is saving up for a down payment for a condo/house.

  448. 448. marek

    Congratulations on the 4 years!!! I’ve moved from ‘hyper saving’ (working full time right out of school and living with my parents) to ‘maintaining’ since I’m now back in school part time, working part time and renting. No debt in sight so next step is saving up more for a nice down payment on a small 1st house. I ‘need’ to travel though so that complicates things a touch although I’d be crazy to complain about that.

  449. 449. Alsiem

    I guess build a portfolio. I’m actually trying to address all 3.

  450. 450. Sam

    Trying to find the Best Strategy to get a steady income from RRSPs without paying too much income tax.

  451. 451. js_cooldude

    Signed up! as for my goal: setting up savings is where I’m at,

  452. 452. g-lucky

    Congratulations! My priority is to maximize my RRSP and TFSA contributions annually while paying down debt (car and camper loans)

  453. 453. S. Creighton

    Congrats on 4 yrs! Lots of good info obtained from your blog.
    My current goal is paying off our mortgage, and increasing retirement savings.

  454. 454. cannon_fodder

    Congrats FT! I can’t remember how long ago I found your site but it’s been a great ride from my perspective.

    Primary goal is to accumulate retirement nest egg at an accelerated rate.

  455. 455. Phil S

    We’re currently drawing from our wealth but will start saving again once my wife returns to work.

  456. 456. chris

    great job after 4 yrs, it takes alot of determination to get this far!

  457. 457. Larry

    Congrats on your anniversary!

    I make MDJ a daily read on my quest to:

    – establish multiple streams of income
    – reduce the money that leaves my pocket.

  458. 458. Tracey H

    We’re trying very hard to save enough for a comfortable retirement.

  459. 459. Keith

    We’re hooked on travel so we’re trying to save extra for our retirement so we can see the world.

  460. 460. Jessica

    Just subscribed… current priority: pay off that mortgage!

  461. Congratulations! You started blogging at the same time I did, but clearly did far far far better than I have with my blog :)

    My current financial priority is just to keep building wealth and staying around $1000/month for personal expenses.

    Then I just need $10,000 for a trip and I’m good!

  462. 462. gene

    Please disqualify the other entrants.

  463. 463. Ice cream on a stick

    Congratulations! My priority is not to have other priorities, but stick with the plan

  464. 464. Mario

    Current goal is to reach 500k in liquid net worth. Should get there by Feb 2011

  465. 465. Rebecca

    My financial priority for the new year and the next few years is to pay off the new used car purchased today.

  466. 466. gene

    Whoops. sorry, I didn’t read the rules. Disregard comment 462. My financial priority is to outperform the stock market going forward. If I can’t do that, indexing makes sense.

  467. 467. Ang

    Priority is paying off the mortgage which should be within the year then building up rrsps.

  468. Goal for 2011 is to live for the rest of the year on the income from 3 months of working and travel a ton to boot. Oh – and to not lose money on a single one of my stocks would be nice. Also to rebalance properly.

  469. 469. Karin

    My priority is saving up for early retirement (50).

  470. 470. Mom 2 Three

    Congrats on the milestone! My goal is to pay down our line of credit and increase our emergency fund.

  471. 471. Heather

    Congratulations! Thank you so much for the wealth of information received over the years.

    For the contest, my current financial priority is that of so many of us: pay off the mortgage and continue to build our retirement portfolio….thanks again!

  472. 472. chun

    my priority is to build wealth so that I can I be semi-retired sooner rather than later

  473. 473. Linda

    Congradulations! My current priority is to save and invest for early retirement.

  474. 474. nomis

    congrats on 4 years! i’ve been reading you for almost that long.

    current priority is to accumulate enough cash for a down payment on an overpriced vancouver home.

  475. 475. telefantastik

    Congrats on the 4 years online!
    My priority right now is to build an emergency fund.

  476. 476. James

    grats on the 4 years, great blog.

    My current priority is building my portfolio

  477. 477. Pigzfly

    Financial Priority – pay down debt.

  478. 478. Clark Danger


    My current financial priority is to win a free iPod touch and sell it for cheap on Kijiji… and increase passive income/quit job!

  479. 479. Rick

    current priority it to pay down the mortgage. congrats on 4 years and great content.

  480. 480. Jan

    Wow! Almost 500 entries and it still has a week!

    My priority right now? Figuring out how and when to take money out of retirement accounts. Should I start now and enjoy life- or sit on it and hope to never need it?

  481. 481. Michael Zheng

    Congratulations for the anniversary.

    My current goal is building portfolios.

  482. 482. Melissa D

    Saving for a kitchen remodel. (We’re on track for everything else.)

  483. 483. Al400

    Current priority is to pay down debt. Thanks for the chance to win.

  484. 484. Ma

    Trying to pay down my OSAP

  485. 485. Justin

    Congrats on the milestone! My current goal is to build my portfolio.

  486. 486. Matt

    I’ve been reading for just under a year now.

    My financial plan at current is to build a portfolio over the next year, and then apply the dividends to reducing my student debt.

  487. 487. Troy

    Current Priority is Paying down Mortgage, Building an Emergency Fund and buying out vehicle at end of a lease I took over…

  488. 488. Rich C

    Congrats on the 4 years.
    I actually just heard about this site a few days ago from a friend. I myself am just learning about investing right now and this is a great starting spot.

  489. 489. Carol

    Definitely the priority right now is paying down the mortgage, and taking advantage of RRSP contributions.

  490. 490. Henry

    Find a job after graduation.

  491. 491. LMD

    Congratulations on your fourth anniversary.

    My current financial priority is to reduce the amount of taxes I pay and to establish a realistic retirement plan for myself.

  492. 492. Bayman

    Priorities: pay down debt and build portfolio in TFSA

  493. 493. Jacky Lam

    Congrats on your website! My goal is to save and pay down debt!

  494. 494. Gen

    Our current priority is to pay down the mortgage – it’s our only debt!

  495. 495. karen

    Get a part-time job to up savings rate.

  496. 496. venter

    Find a way to save money for my tax bill :(

  497. 497. sandra


    My financial priority is to continue my recently initiated activity of digging myself out of the financial hole that I constructed over many years using bad decision making mixed with a complete lack of financial knowledge and a modicum of stupidity!

  498. 498. Erlyn

    I’ve subscribed!

    My current financial priority is to pay down our mortgage.

  499. 499. Dustin M

    Enjoy reading your journey and hope to follow it some day always a pleasure. Wouldn’t mind winning something though. always looking to better life with free things.

  500. My priority is to pay down debt and buy gold/silver stocks

  501. 501. angie

    My priority is to build back savings after using it to go back to school, and build a portfolio for retirement.

  502. 502. Parkston

    Congrats. Our goal is to build our investment portfolio and expand our knowledge base.

  503. 503. Mike

    Great articles, I enjoy this site alot. My goals are to pay down debt while saving. i’m living a pretty frugal life these days paying for my excessive college days.

  504. 504. Rob

    I’m a mostly new reader. Read a few of your posts from links in other blogs. Lots of good stuff here. Thanks,

  505. 505. Benny Siu

    current priority, build up my saving

  506. 506. kipper

    Excellent website!!! Been following it for close to a year now.

    1) Pay off mortgage
    2) Build non-registered investments
    3) Build retirement savings

  507. 507. cbez

    My priority is to aggressively pay down the mortgage and LOC!

  508. 508. Kathryn

    Happy Anniversary.

    My priority now is to be fully prepared for retirement — I am anticipating that the date will be in 7-10 years from now and I am looking forward to it.

  509. 509. Rob

    I want to build a portfolio for retirement.

  510. 510. barb

    my goal is to keep lifestyle simple, with the money i have. thanks!

  511. 511. sjm

    Congratulations on the anniversary – been a subscriber for a few months, and have followed your blog for a year or two. We are quite a bit further along in life than you, but we got where we are financially with a lot of the same philosophies as you, so we can confirm that they work!

    Currently debt free, and our goal is to build an income-producing portfolio to retire early, since we figure none of our taxes or CPP contributions are going to come back to us!

    Best of luck on your journey.

  512. 512. Paul

    Thanks for the great blog! Current financial priority is debt repayment and savings.

  513. 513. Ed

    My current priority is to pay down debt.

  514. 514. Andrea

    My goal is to pay down my debt

  515. 515. Fred

    Focus is on growing net worth…strategically removing debt from the BS and adding equity where possible

  516. 516. Glenda Glenday

    Congratulations! My current goal is paying off my mortgage and learning how to invest in dividend stocks. Thanks for a great newsletter!

  517. 517. Conrad B

    Max out mine and my wifes TFSA’s. Thanks so much for the hardwork you put on your blog..!

  518. 518. Sundev Bal

    Currently building up my emergency fund, so I guess that counts as savings.

  519. 519. Gags

    I want to save for retirement. Congrats on your website.

  520. 520. GG

    I am trying to pay off my mortgage as quickly as possible.

  521. 521. Marianne O

    Current financial priority is writing wills (over the Christmas holiday — festive eh?) and bumping up out RRSP savings for the year.

    Thanks for a great blog!

  522. 522. Aaron

    Thank you for this blog. My current goal is to increase equities in order to open up some choices for planned retirement.

  523. 523. Philippe

    Priority is to build a level of comfort that finances at retirement will not be only about tightening belts

  524. 524. michael

    Congratulations on the anniversary!
    Great service!

  525. 525. Michael

    Current Priority is paying off the mortgage, along with using the Smith Manoeuvre to start saving up a nest egg.

  526. 526. Larry

    I enjoy reading your articles each morning! My goal is continued growth within my portfolio.

  527. 527. Pearl

    Congrats! My priority is to increase my retirement savings.

  528. 528. Mike B

    Great job, look forward to reading your blog each day..

  529. 529. Maria B.

    Congratulations and thank you for this great blog!
    My current priority is to find a job:)) and then to build portfolio.

  530. 530. Shawn

    Tax savings & Build profolio

  531. Congrats! My goals are to setup my investments to generate income for retirement.

  532. 532. Marni

    Hi, I’d love to learn more about the best investments (from a tax perspective & earnings potential) for RRSP’s, TFSA’s and general investment accounts for a person who is self-employed as well as salaried (2 jobs). I’m done with brokers after the debacle of 2008 and interested in doing it myself through a self-directed account, which I’ve already set up with Scotia iTrade. Thanks and Merry Christmas/Happy Holidays!

  533. 533. Brian

    Trying to find a balance between mortgage and investments

  534. 534. John

    good job and congrats on 4 years!
    financial priority is to increase savings while continuing to pay down debt

  535. 535. JL

    signed up thx, current priority is saving $$ for a downpayment and looking for a house in toronto

  536. 536. Hemen Modi

    My current priority is to finish our Mortgage at the earliest and to build and independent business…

  537. 537. TC

    Great website. I check it every day.
    My goal is to plan and build a retirement portfolio
    Keep up the great work

  538. 538. TN

    My priority is to pay off mortgage, save and invest wisely.

  539. 539. dorra

    debt debt debt…pay down debt

  540. 540. Brett

    Pay off minimal debt and build my portfolio
    Thanks for all the advice!

  541. 541. Ho Yee Low

    Great work, always enjoy reading. Current priority is to balance my portfolio as I look toward retirement in about 5-6 years.

  542. 542. katrina

    pay down mortgage, happy anniversary mdj! many more years to come!

  543. 543. Sarah

    We want to pay down debt too!

  544. 544. chris

    save up for a 20%+ down payment on my first place

  545. 545. smartcasher

    Current priority is paying down my $160,000 mortgage. Cheers.

  546. 546. Mark

    (1) Save for a new fridge (ours is 1950’s and broken); (2) Add a bedroom for baby.

  547. 547. Shaun

    1) Pay down my o/s Line of Credit (2) Expand Cottage

  548. 548. Lindsay

    Build portfolio and generate a $10 K surplus income. Thanks for all the great info!

  549. 549. Ken

    Currently, paying off debts. Start a DIY account for trading.

  550. 550. Jamie

    Love the blog, thanks. My current financial priority is a combination of paying of the mortgage as fast as possible (8 yrs instead of 25!) while still building a retirement (RRSP + TFSA) portfolio. Balance!

  551. 551. Gene Wesley

    Current Financial Priorities:

    1. Being Frugal in every way possible
    2. Gaining rewards wherever possible
    3. Building and Emergency Fund and supplies
    4. Building recession-proof investments
    5, Paying off Mortgage
    6. Retirement.

  552. 552. Gaurav

    I would like to pay down my school. Just finishing up my undergrad.

  553. 553. Solowoman

    Hey MDJ
    Happy anniversary!
    This blog has provided a valuable resource to so many – thankyou!! I’m building my portfolio & paying down my mortgage.

  554. 554. Tighe

    Joined the list! My priority is to save for 3D animation school.

  555. 555. Bob Medlock

    Congrats on your four years

  556. 556. Big-D

    Gaining wealth for early retirement.

  557. 557. Gaurav Rajasekar

    Well my priority currently is and has always been first and foremost to pay off any debt I have – especially if its student debt.

    Happy anniversary. And I’ve subscribed to your mail updates with this very same e-mail ID too.

  558. 558. Kelly Clark

    We have managed to pay down all non-mortgage debt, mostly by being discriminating about acquiring it to begin with. So, our current financial priority is paying down our mortgage in order to emass enough equity to allow us to invest in other property (for investment & hopefully one day recreational).
    That being said, we do not totally ignore either our savings nor retirement investing. We contribute monthly to RRSPs & a TFSA. The TFSA is our “emergency fund” & the RRSPs are a back-up strategy, if our property investment strategy does not turn as high of returns as we require to retire on.

  559. 559. Peter

    My current goal is to pay off debt.

  560. 560. Kel

    Build up portfolio so I can retire earlier.

  561. 561. Michael

    I would like to pay down debt

  562. 562. red

    Our current priorities are to pay down debt and accumulate savings for our retirement!

  563. 563. Jube

    My priority is to save for retirement

  564. 564. Tearglove

    Build portfolio

  565. 565. Dave

    Whew, that’s a lot of people. I’m currently working on expanding my portfolio, hoping to make some money for university with it.

  566. 566. Andrew Newby

    Saving, saving, saving!

  567. 567. kristy

    thanks all the tips and info have been great

  568. 568. rob_23

    Saving for my first house down payment

  569. 569. John

    Congrats of 4 years :D

    I think I’ve completed my goal of building up an emergency fund these past two years, so it’s time to start investing so that my money works for me. I also need to open up an RRSP; I hear all kids on here are doing that these days >___>

    I don’t make much, but I hope I can become a millionaire too someday. Maybe a little slower than you, but surely ;p

  570. 570. Rocky Martin

    My current priorities are to build my stock portfolio and pay off my car loan.

    Great Site. Keep up the good work.


  571. 571. Nav

    Priority – pay off student debt (OSAP!)

  572. 572. Bhaskar Naik

    My name is Bhaskar and I came across your blog only recently. Per your recommendation have started using Questrade. Priority is to save enough to be able to retire early — by 60.

  573. 573. Susan

    I am trying to eliminate debt with Dave Ramsey. Also working on building my business net profit margin.


  574. 574. Moben

    Increase portfolio

  575. 575. MrSmith

    Congrats on 4yrs.

    My financial goals are to pay off my mortgage and to build my personal finance knowledge up.

  576. 576. Abdul Nuray

    Current goal is to pay down mortgage.

  577. 577. Peter B

    Congratulations. Count me in.

  578. 578. Barry

    pay off mortgage as fast as i can

  579. 579. mary

    I’d like to open a discount brokerage account to start investing

  580. 580. Chris

    Congrats on the 4 years. I’m working on building passive income, and paying down my mortgage.

  581. 581. Lucie

    C O N G R A T U L A T I O N S ! !

    WOW!! Already 4 years… thanks for the wonderful journey.

    Financial goals & Priorities: Add more DRIPs to my portfolio, help pay for my kids education, max out on my TFSA, purchase another income property.

    Thanks for all your wisdom!

    Here’s to good health and happiness always… Cheers!

  582. 582. Lucie


    Financial priorities:

    1) Continue to add more DRIPS to my portfolio.
    2) Help pay for kids education.
    3) Max out on my TFSA
    4) Purchase another income property.

    Thanks for the wonderful journey… CHEERS!

  583. 583. Richard

    build diversified portfolio to achieve average or better return.

  584. 584. Jennifer Murphy

    Pay down new Mortgage by 20 % in 3 years.

  585. 585. edward

    Trying to pay off my student debts and accumulate some savings to help with either my first car or a down payment on a house

  586. Awesome giveaway! I am a new subscriber and we are working to pay off our mortgage!

  587. 587. Marc

    Long live MDJ!

    Priority is building portfolio and “bad debt” repayment

  588. 588. Dianna G

    my goal is to save up enough for a home

  589. 589. Maxime

    My priority is to save for retirement.

  590. 590. steve

    Congratulations on four years, but more importantly getting your financial house in order. Doesn’t it feel good? You should apply to be the Finance Minister.

  591. 591. Chris

    Congratulations on the anniversary. I’ve been following you for a few years. My current goal is to pay off the mortgage. Probably done within 5 years.

  592. 592. OBK

    Happy anniversary :) Current goals: keep burning the mortgage and saving for a future mat leave!

  593. 593. Mallory

    My current goal is to start investments and retirement savings. I like visiting this blog as all of the saving strategies books I have read are either out-of-date or not Canadian. Congratulations on four years of useful advice.

  594. 594. Khrys

    Happy anniversary!!!
    My current goal is to build enough passive income & capital to retire young and invest full time, and teach my friends and family how to become independent investors too.

  595. 595. Eric

    Hope I’m not to late

  596. 596. Eric

    goal is to Pay off mtg by 2021 and have portfolio that brings in $2000 / mth

  597. 597. TK

    need to increase income through pay or investment return. wish me luck!

  598. 598. J P

    Current goal? Retire early! :) But what does retire mean, that’s for another day.

  599. 599. Fishhy

    Pay off Mortgage, Build Retirement Portfolio

  600. 600. Ivan Saley

    Want to build my portfolio.

  601. 601. Andrea

    My goal it to pay off my credit cards and become debt free by the end of next year.

  602. 602. Ken

    Signed up. Great site. My goal is wealth accumulation.

  603. 603. warren

    Doing well. Thanks to advice from MDJ

  604. 604. Jay Patel

    Current goal is to make enough money to survive

  605. 605. Ron

    To continuously increase my net worth, and have enough for a good retirement.

    Excellent site.

  606. 606. melissa

    Congrats on the anniversary and thanks for this giveaway.

    My goal – pay off the mortgage, then travel!

  607. 607. Greg

    Congratulations on the 4 years.

    Current priority is to start learning about the path I should take on my own finical journey.

  608. 608. Lisa

    Curious who won…don’t see it anywhere??


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