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Welcome to Million Dollar Journey! If you’re new here, you can learn about me and even follow my financial journey to becoming a millionaire by 35 through my net worth updates. Since hitting the Million Dollar milestone, I’ve been documenting my journey towards financial freedom that you can follow here. If you are just starting your own financial journey, you can start with Financial Freedom 101 located in the navigation bar above. Before you leave, check out my latest articles listed below and don’t forget to subscribe to my updates!

It has been about a year since my last RESP portfolio update which is probably an appropriate time span since it’s a fairly steady portfolio that is 100% indexed. The RESP portfolios for our children are set up with TD e-Series mutual funds which provide a low-cost way to index the market (some other ways to index your portfolio). … Read More


Welcome to the Million Dollar Journey January 2018 Net Worth Update – Team MDJ edition. A select group of readers were selected to be part of Team MDJ which was conceived after the million dollar net worth milestone was achieved in June 2014. SmilingSaver was selected as a team member and will post net worth… Read More

financial checklist to start the year

This is a checklist that I update and follow at the beginning of every year. Similar to the end of the year tax tips, there are certain financial to-do items to start off the year on a strong note.  Here is the checklist that I use at the beginning of the year. For 2018, TFSA's get… Read More


Wait! What? Where did 2017 go? It must be an age thing, but it feels like as I get older, time goes by faster. I started this blog in December 2006 as a 26-year-old youngster. At the time, just married with no kids and a newish mortgage. Blink and now it's December 2017, MDJ is… Read More


Welcome to the Million Dollar Journey December 2017 Financial Freedom Update – the final update of the year.  For those of you new here, since achieving $1M in net worth in June 2014 (age 35), I have shifted my focus to achieving financial independence.  How?  I plan on building my passive income sources to the point… Read More


Last weeks article on how to maximize PC Plus points turned out to be quite popular. A number of readers added their tips to the comments (also via email), and the post was mentioned in an online Globe and Mail article (thanks @rcarrick!). The reader tips were so good that I think it deserves a… Read More


How to Maximize PC Plus Points

A little while back I wrote about how to maximize the AIR MILES program which is a very popular loyalty program in Canada.  However, I admitted in the article that I'm more of a passive AIR MILES collector where I generally prefer cash back as a reward because it can't be diluted or expire.  Although… Read More


I'm a big believer in long-term investing and taking advantage of compounding returns to build wealth.  While 95% of my investible assets are in long-term positions, as my internet handle implies, however, I'm also a fan of shorter-term swing trading. I find trading to be fun but I'm set on only using a small percentage… Read More