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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!

I've written a lot about investing and how combining an early start and compound interest can really make you wealthy. But for many, just graduating from post-secondary education and just starting a career at a moderate salary, big savings is not really an option.  Especially when you combine housing costs, debt payments, vehicle payments. While… Read More


Welcome to the Million Dollar Journey June 2019 (Q2) Financial Freedom Update – the second update of 2019!  If you would like to follow my latest financial journey, you can get my updates sent directly to your email, via Twitter or Facebook, and/or you can sign up for the monthly Million Dollar Journey Newsletter. For those of you new here, since achieving… Read More


With recent articles about all-in-one ETFs and withholding taxes on ETFs in registered accounts, I've been getting questions about if there are USD based all-in-one ETFs, and if not, what are the most efficient USD ETFs to own? There are a number of readers who make their money in USD, and there are some advantages… Read More


This popular article was originally written in 2017, but since then, a couple of the calculators have gone offline.  I have updated this article with a couple of new additions.  Enjoy! A reader recently asked me if she had saved enough for retirement.  While it seems like a challenging question to answer, it can be roughly… Read More

withholding taxes on ETFs

I've written a lot about index investing as one of the best strategies for beginner and experienced investors alike.  It's a strategy that I follow with a large portion of my portfolio to get ex-Canada (outside Canada) diversification (I use dividend investing for my Canadian exposure).  Not only do I use this strategy in my… Read More


This is a post by Chrissy, who has guest posted here recently about hosting homestay students as a side hustle.  Her blog, Eat Sleep Breath FI, details her journey towards financial freedom.  In this article, Chrissy describes a fundamental way to get excited and motivated about FI that has worked for her and her family.  Here are… Read More

maximize child canada benefit

After filing my income tax return in mid-April (yes, I tend to procrastinate), I noticed on the bottom of the screen the amount that we will receive for the Canada Child Benefit.  While we've been receiving this benefit since the Trudeau administration has been in power (2016), what really got me thinking is that we'll… Read More

dog of the tsx dividend stock picks 2019

Over the past number of years, I’ve been writing and including updates on the outperforming Dogs of the TSX also known as the Beating the TSX dividend stock strategy (BTTSX). At a high level, in this strategy, the largest publicly traded companies in Canada (TSX 60) are sorted by dividend yield, then the top 10 positions… Read More