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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!

How I Imagine Early Retirement

How do I imagine early retirement? Cruising in a Ferrari with millions in my pocket. Maybe when I was in my teens.  For those of you who have been following this blog over the years, you'll probably laugh out loud at the opening statement. As my internet handle indicates, I'm a pretty frugal guy but… Read More


I've been getting a number of emails from readers about dividend investing and which type of investment account to use for maximum tax efficiency.  This article should help clear up some of those questions. This post has been modified and expanded but was originally written in 2009.   Efficiency is the name of the game not only… Read More


Credit cards with no foreign transaction fees seem to be a hot area these days with new products popping up in recent months.  Since the demise of the popular Amazon Visa, there have been a number of new cards that have popped up.   In a recent post listing free no-fx credit cards, I wrote about the… Read More


With the income tax deadline just around the corner for the tax year 2017, which is April 30, 2018, it's time to start gathering what's required to file.  If you are a small business owner, you have until June 15th to file, but any taxes owing must be paid by April 30th.  If you are entitled to… Read More


Welcome to the Million Dollar Journey March 2018 Financial Freedom Update – the first 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 where they… Read More


Welcome to the Million Dollar Journey March 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. Nobleea – the Oil and Gas Engineer, was selected as a team… Read More


With the income tax filing deadline right around the corner (April 30 for personal returns), it's time for DIYers to think about what tax software to use. Although lately, we've been using our corporate accountant to file my personal return, I always use a tax software to get rough numbers on whether or not I owe… Read More


In the Summer of 2017, the Canadian government dropped a tax bomb on Canadian small business owners with proposed changes to how they are able to split their income and their ability to invest excess cash flow into passive investments.  While they had some vague guidelines, they did not have concrete rules to wrap our heads around. … Read More