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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 read about 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!

The New Rules of Personal Finance?

rules of personal finance

I was going through my Twitter feed the other day and came across an article titled "The New Rules of Personal Finance" (link) that caught my eye. My first thought was that, could there be "new" rules to personal finance?  Are there any hard and fast "rules" to begin with?  Maybe a better word instead… Read More

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simplii cash back visa

Once upon a time, PC Financial provided full-fledged low-fee banking services that included chequing/savings accounts, lines of credits, and credit cards.  While some may think that Loblaws did this on their own, these banking services were provided through a partnership with CIBC and branded as PC Financial. Unfortunately, in 2017, the two companies decided to… Read More


Welcome to the Million Dollar Journey October 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


This post was originaly written in 2009 (yes 2009!) and I thought it would be interesting to see how and if things have changed over the past decade.  Do the rich continue to get richer?  Are there new editions to the list of super wealthy Canadians? I received the newest edition of Canadian Business (list)… Read More


Recently, a reader asked by my monthly expenses and how I flow all my expenses through a credit card. If you've been following MDJ for a while, you'll know that I am a big fan of some loyalty programs and cash back credit cards. The best is when the stars align that combine a generous… Read More


Esso Gas Deal I want to share with you a gas deal that I've been using for the past few months.  If you are a regular Esso gas user (I collect Esso points for the car washes which results in a 2% return), Ebates is offering Price Privileges gas discount cards if you buy reloadable Esso… Read More


After my last financial freedom update, a few readers have asked me about dividend taxation.  This article will show the advantage of dividend income for the early retiree.  This post was originally written in 2016, but updated for 2018. Every year when winter strikes in Newfoundland, my wife and I always ask the same question "what… Read More


Welcome to the Million Dollar Journey September 2018 Financial Freedom Update – the third quarter update!  For those of you new here, since achieving $1M in net worth in June 2014 (age 35), I have shifted my focus to achieving financial independence.  How?  I plan on building my passive income sources to the point where they are enough… Read More