Helping Canadians with Personal Finance Since 2006
Learn how to save money, build an investment portfolio, and become financially independent - from a middle-class Canadian who has actually done it!
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Most Recent Articles
Best Canadian Dividend Stocks – April 2026
As we leave RRSP season in the rearview mirror, our April 2026 Best Dividend Stocks list needed an update. Given the chaos that the Trump…
Withdrawal Plan For Early Retirement
Transitioning from the accumulation stage of my professional career, to withdrawing investments in early retirement was harder than I expected. For those who haven’t been…
Investing In Gold In Canada 2026
Given the insanely speculative run we’ve been on in 2026, it probably isn’t a big surprise that our comment board has been full of requests…
Withdrawing From RRSP and TFSA For Retired Canadians in 2026
My article on Withdrawing from your RRSP and TFSA as a retired Canadian has grown as I’ve updated it over the years. The most detailed…
Tangerine vs EQ Bank Comparison 2026
If you’re searching for the Best Online Bank in Canada in 2026, the conversation usually comes down to EQ Bank vs. Tangerine. With interest rates…
Best 2026 Broker Promo
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Must deposit/transfer at least $1,000 in assets within 60 days. Applies to new clients who open a new Qtrade account by March 31, 2026. Qtrade promo 2026: CLICK FOR MORE DETAILS.
About Us
Thanks for Stopping By...
If you're new around here, I go by Frugal Trader and I started this site back in 2006 to set goals for myself and track my learning progress. Over the last fourteen years, I've publicly shared my path to financial freedom, from what discount brokerages and high interest savings accounts I use, to the unique ways I've found to save money.
The Million Dollar Journey team is proud to now include writers from all across Canada, representing a diverse array of backgrounds and unique points of view.
If you want to learn more about me and my team, check out our About Page. If you want to learn more about Canadian money stuff like RRSPs, TFSAs, and daily savings tips, start with our Financial Freedom 101 section. Finally, if you want to receive the free eBook I recently wrote about how to organize your Canadian life and portfolio for retirement at any age, simply sign up below.
Highest Rated Product Reviews
Qtrade Review 2026 – Canada’s Best Broker
Current Qtrade New Customer Promotion In 2026, brokerage promotions only matter if…
Questrade Review 2026
Is Questrade Safe & Secure? One of the most common questions that…
Wealthsimple Review 2026
What is Wealthsimple? Wealthsimple was founded in 2014 by Michael Katchen, Brett…
EQ Bank Review 2026
EQ Bank Account Options and Interest Rates Account Type Interest Rate Best…
Dividend Stocks Rock Review 2026
Investing on your own is not an easy task. From mutual funds…
Neo Financial Mastercard Review 2026
The new Neo Financial Mastercard or “Neo MastercardTM” is the next big…
Justwealth Review 2026
Why Justwealth? As I’ve updated my Justwealth review over the years, they…
Community is everything.
Million Dollar Journey.com began back in 2006, and boasts nearly 50,000 comments. Benefit from their collective wisdom and read what our community has to say about Canadian finance in 2026.
You should include minimum age on these as well. RBC was one of the few that I could get for…
March 10, 2026 on post Best Student Bank Account in Canada (2026 Promos Included)Is this the best deal for HelloFresh at the moment? https://mealkitscanada.com/hello-fresh-canada/
February 27, 2026 on post Is Hello Fresh Worth It?Yes, I have joint account, spousal accounts and USD cash account with Wealthsimple. Current promotion as of Feb 23: The…
February 23, 2026 on post Qtrade vs. Wealthsimple in 2026Is the Complete Estate Plan good for two people, husband and wife, or need to buy another one? If needs…
February 19, 2026 on post Legal Wills Review: Canada’s Best Online Will KitGood discussion going on here. What would you say to someone who has the money to pay down their mortgage…
February 13, 2026 on post Ultimate Smith Manoeuvre Guide For CanadiansAlterna Bank is a digital bank (like Tangerine) so there is no need for a physical presence. Not having brick…
February 12, 2026 on post Alterna Bank ReviewVery rude customer service! They are strangely rude. Managers of customer service are worse.
February 11, 2026 on post Simplii Financial Review
Final notes for your journey
Get free instant access to our #1 article each week!
We've got a ton of information here , and after helping thousands of Canadians get started over the years, I know the information overload can be a bit intimidating.
Every journey begins with just a small step! If you are unsure where to start, check out these index investing strategies or Canadian dividends guide, two of my most useful money making methods over the years. Or read my net worth updates to see exactly what I did to reach the million dollar mark.
Be good with your money and thanks for being a part of the MDJ Community. Don't forget to sign up below so that you'll get our "Monday Morning Coffee" email that will fill you in on the writing we have done that week.
- FT and the Million Dollar Journey Crew








Martin
Kyle, Thank you for this very informative article. If I could just make one point and ask one question. Defined…
March 23, 2026 on post Withdrawing From RRSP and TFSA For Retired Canadians in 2026