≡ Menu

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!

Welcome to the Million Dollar Journey June 2018 Financial Freedom Update – the halfway mark 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


Over the past few years, I've been writing about the Dogs of the TSX also known as the Beating the TSX stock strategy (BTTSX). In this strategy, the largest publicly traded companies in Canada (TSX 60) are sorted by dividend yield, then the top 10 positions are purchased annually (remove former income trusts and stocks that… Read More


I wrote this post a few years ago, but found it in the archives and thought it deserved some attention.  Check it out! Calvin and his spouse Beverly immigrated to Canada in the early 1970's (both in their mid-late 20's).  While people move to different countries all the time, the couple came to Canada under a… Read More


A reader left a comment asking if our financial freedom income goal would be enough to cover post-secondary education costs for our children.  The simple answer is yes, but not through excess passive income, but through some planning and investing when the kids were born. While I believe that there is merit in having children… Read More

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


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