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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!

compound interest mdj

The mantra of Million Dollar Journey is to build wealth through saving and investing.  As this is my belief of the easiest way for regular working folk (like our family) to build serious wealth to someday reach financial freedom. How early you reach financial freedom depends on how aggressive you save.  Saving 50% of your… Read More

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Way back in 2007 when this blog was in its first year of existence, I wrote about high-interest savings accounts.  In the early days, I had a large portion of my savings sitting in cash and the interest rates were decent. After the financial crisis in 2008, interest rates dropped to stimulate the economy, which… Read More


Just Butter It Promotion (Sponsored) Derek Szeto, the founder of RedFlagDeals.com, has contacted me to help him promote his latest joint venture with RBC - Butter.  What is Butter?  It's a free service that pays you CASH in exchange for your subscription data (Netflix, Amazon Prime, Spotify etc). How does it work?  It's pretty straightforward… Read More


What’s in my Wife’s Portfolio?

Before I get started, just a heads up that today is the income tax deadline.  It's not too late to file, see some filing options and tax tips here. Within my financial freedom updates, I itemize our family income producing assets which include my wife's investments.  A reader emailed me asking about how Mrs. FT's investments… Read More


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