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 Robo Advisors 2026
Canada’s Robo advisors remain the easiest way to build and maintain a diversified investment portfolio without paying crazy-high wealth-management fees. Our title of 2026 Best…
Best Stock Trading Apps in Canada
After two decades of DIY investing, I’ve had a front-row seat to the evolution of stock trading apps in Canada. Canadian investors had very limited…
Toolbelt vs. Textbook: The $335,000 Case for Skilled Trades
I was talking to my friends Bryce and Kristy (authors of Quit Like a Millionaire and Parent Like a Millionaire) the other day and we…
The Best Joint Bank Accounts in Canada
Until a few years ago, the best joint bank accounts in Canada were mostly offered by the Big Five Banks: RBC, TD, BMO, Scotiabank, and…
Retiring With Rental Properties: Using a “Real Estate Meltdown” to Fund Retiremen
As an MDJ reader you’ve probably heard us talk about the RRSP meltdown strategy. What thousands of mom-and-pop landlords need however, is a real estate…
Best Canadian Dividend Stocks – September 2026
Our top Canadian dividend stocks for 2026 are companies with sustainable dividends, growing earnings, and a long, proven track record of increasing their payouts to…
Best 2026 Broker Promo
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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 Brokerage promos are only worth paying attention…
Questrade Review 2026
Is Questrade Safe & Secure? One of the most common questions that…
EQ Bank Review 2026
EQ Bank Account Options and Interest Rates Account Type Interest Rate Best…
Justwealth Review 2026
Why Justwealth? As I’ve updated my Justwealth review over the years, they…
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…
Wealthsimple Review 2026
Is Wealthsimple Still the Best Robo Advisor in Canada? Check out our Justwealth…
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.
That’s fair Blake! Let’s hope more adults start steering young people to these realities.
October 5, 2026 on post Toolbelt vs. Textbook: The $335,000 Case for Skilled TradesYeah I had the student work during their school, but not a paid internship. I refer to that early on…
October 5, 2026 on post Toolbelt vs. Textbook: The $335,000 Case for Skilled TradesI’m definitely not an experienced landlord at all. Was briefly one for a few years almost by accident. I’m just…
October 5, 2026 on post Retiring With Rental Properties: Using a “Real Estate Meltdown” to Fund RetiremenKyle I don’t see any comments on this one, so maybe I’ll be the first! Thanks for the article, it…
October 2, 2026 on post Retiring With Rental Properties: Using a “Real Estate Meltdown” to Fund RetiremenKyle, you hit the nail on the head by stating “Total return is really the key metric that you want…
September 30, 2026 on post Safe Retirement Withdrawal Rate Strategies in CanadaI agree that trades are paid well and early, but I do not see where is the income of engineering…
September 30, 2026 on post Toolbelt vs. Textbook: The $335,000 Case for Skilled TradesPerhaps but like I said, those trade people never would be picking between school and a trade, just the trade.…
September 29, 2026 on post Toolbelt vs. Textbook: The $335,000 Case for Skilled TradesBoth is certainly an interesting option. Not optimized, but I don’t dislike it for sure. It’s a lot of time…
September 29, 2026 on post Toolbelt vs. Textbook: The $335,000 Case for Skilled Trades
Final notes for your journey
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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.
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- FT and the Million Dollar Journey Crew








ANATOLI
To have a paid internship is a choice, a trade off between a uni that requires students to study hard…
October 5, 2026 on post Toolbelt vs. Textbook: The $335,000 Case for Skilled Trades