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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!

cash back rewards summary 2018

I've been a big fan of credit card rewards since I received my first credit card while in University.  Back in those days, it was a student credit card that gave me HBC rewards which could have been used towards stores like Zellers (which no longer exists).  While Zellers wasn't my first choice back in the… Read More

year end tax tips 2018

Most people think that spring is the time to think about personal taxes, but if you really want to maximize your income tax return, it's best to start your planning before the end of the year.  I've already started calculating my actualized non-registered capital gains for the year so that I can think about which… Read More


We all love credit card freebies right?  Our partners at Credit Card Genius are offering to pay you (up to $150) to sign up for the popular Scotiabank Gold American Express.  Some highlights of this card: 15 reasons why we love this card Earn 4x the Scotia Rewards on gas, grocery, entertainment, and dining1. 15,000 bonus points, worth… Read More


In a recent post announcing the new Simplii Financial Cash Back Visa (4% at restaurants), I hinted that the Rogers World Elite MasterCard may be a top contender for the best free cash back credit card in Canada. My post comparing the best free cash back cards in Canada is a popular one with the… Read More


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

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