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Celebrating 4 Years of Million Dollar Journey

Yes, you read right, it’s already been four years since Million Dollar Journey kicked off! It all started in early Dec 2006, just over three years after graduating from University and in the progress of turning around our personal finance situation towards building wealth.

Million Dollar Journey started zero readers. In fact, for a while it felt like I was the only one reading the blog.  With time, the community slowly grew into what you see today.  A strong and loyal readership who is as passionate about personal finance and investing as I am.  Proudly, we have grown to over 12,000 subscribers and have received several millions of hits over the past four years.

As a token of my appreciation, I’d like to again give something back to the readers.  This year, we have one company sponsoring the grand prize, with us sponsoring multiple gift cards to increase the chances of winning something.

Without further delay, here are the prizes for our fourth year anniversary celebration:

1. The newest iPod Touch 32GB (sponsored by RedFlagDeals)

overview_hero2_20100901Derek, the entrepreneur behind RedFlagDeals, has once again generously offered to sponsor a great prize. What is RFD? It’s Canada’s most popular “deal/bargain” portal with millions of visitors per month. If you enjoy finding deals (like I do), then you’ll find great value in RFD, it’s one of the sites that I visit daily.

Now, back to what you’ve all been waiting for, the prize. The iPod Touch 32GB, which retails for $299,  has been known as the top portable MP3 player in the market which has continued to improve with every annual update.  The previous version of the iPod Touch was amazing, but the latest version really steps it up another notch.

Besides being a market leading MP3 player, here are incremental features:

  • Facetime – This iPod has a camera in the front (in addition to the back) so you can video chat with your friends/family using your favorite messenger program or skype.
  • HD Video Recording – As we have a toddler, you can never have too many cameras around.  Not only can the iPod take stills, it can record video in 720p.  Yes, that is High Definition.
  • Retina Display – This is the fancy marketing term they use for their super high resolution screen (for the mobile format) which gives up to 960×640 pixels.
  • Better Gaming – Game Center is a new app that allows multi player action.  For example, race against your friends, or have a game of cards.  Apparently, using the iPod touch for games is getting huge.

If you’re looking for deals, make sure to check out the RedFlagDeals forums.

2. $25 x 8 Amazon.ca (or .com) Gift Cards!

To expand the contest a little and readers a greater opportunity to win something, we’re offering $25 Amazon gift cards – eight to be exact.  Winning one of these cards could be an incentive to purchase those financial books you’ve been meaning to read.

How to Enter:

To be eligible for the prizes above, simply:

1. Sign up for the MDJ Money Tips Newsletter (free) at the bottom of this post. If you don’t see the sign up form, click here. (+1 Entry)

What is the Money Tips Newsletter?

The Money Tips Newsletter is a free email newsletter that I will send out once or twice a month.

The content includes highlighted articles on Million Dollar Journey, exclusive offers for Million Dollar Journey readers, and original content that doesn’t make it to the front page of this blog.  Thus far, I have 5 scheduled Newsletters editions that all subscribers will see.  The topics range from the basics of investing, the Smith Manoeuvre, to the top credit cards in Canada.

As mentioned above, your privacy is important to us. We will never sell your information to third parties, as well, you can unsubscribe from the newsletter at any time.

2. Leave a comment indicating your current financial priority (pay down debt, build portfolio, savings etc.) (+1 Entry)

The Giveaway Rules:

Lets go over some of the rules. All contestant entries will be shoved into an electronic hat and drawn at random.

  1. Only confirmed (new and existing) newsletter subscribers on the date of draw are eligible.
  2. Only one comment per person and please include a valid email address.
  3. To be fair to all contestants, each winner can only win once.
  4. Only those with a North American mailing address may enter.
  5. Contest will end Sat 5pm EST Dec 18, 2010 and the winners announced shortly after!

Good luck!

If you would like to read more articles like this, you can sign up for my free weekly money tips newsletter below (we will never spam you).

FT About the author: FT is the founder and editor of Million Dollar Journey (est. 2006). Through various financial strategies outlined on this site, he grew his net worth from $200,000 in 2006 to $1,000,000 by 2014. You can read more about him here.

{ 608 comments… add one }
  • Amit Bhatnagar December 6, 2010, 9:12 am

    signed up. thx. current priority: build portfolio.

  • Chris December 6, 2010, 9:32 am

    My current priority is to build passive income and reduce expenses so that my wife can hopefully stop working and stay home with our children.

  • Michael December 6, 2010, 9:34 am

    Congratulations on the anniversary. My current goal to pay down the stubborn debt!

  • Brett | Investing Part Time December 6, 2010, 9:47 am

    My current goal is to build that portfolio! Fortunate to have very little debt right now!

  • Bonnie December 6, 2010, 9:56 am

    I have learned a lot from your blog since I started reading about a year ago. My current goal is to be mortgage free Feb. 2012. I’m still contributing to RRSP’s, using the tax refund as lump sum and will use my TFSA’s as final payout.

  • Brandon Bewza December 6, 2010, 10:04 am

    Congratulations! My current goal is to build my portfolio.

  • Ian C. Thompson December 6, 2010, 10:11 am


    I first goal is get to back to work and reduce our debt that has increased while unemployed.

  • No Debt Guy December 6, 2010, 10:15 am

    Paying off our mortgage to be debt free is still our main priority. Our plan was to pay off our entire mortgage in 5 years. We are at the half way point and still on track.

  • Blair Conrad December 6, 2010, 10:16 am

    Congratulations. My current goal is to build my retirement portfolio.

  • Glenn Tucker December 6, 2010, 10:22 am

    Current goal is to pay off the mortgage while the interest rates are low. Love reading the postings on this site.

  • $teve December 6, 2010, 10:25 am

    Great work. My goal is to build my nest egg for retirement over the next 20 yrs.

  • Potato December 6, 2010, 10:26 am

    My current priority is to stay out of debt while things are tight, and then start aggressively saving again when things get better…

  • Brian December 6, 2010, 10:48 am

    My Current priority is to pay off debt, I hope to be done ( excluding my house) on January 1st, 2011.

  • Alex December 6, 2010, 10:50 am

    With Debt paid off, and our first child on the way my priority is building an emergency savings fund.

    Keep up the Good work

  • Dimitri December 6, 2010, 10:53 am

    Enjoy reading your blog. Current priority is to pay down debt (i.e. mortgage and student loans).

  • Canadian Couch Potato December 6, 2010, 11:02 am

    Congratulations on four years in the blogosphere! My current financial priority: Hijack a nuclear warhead and hold the world ransom for… one meeellion dollars.

  • Sputs December 6, 2010, 11:05 am

    Congratulations on the 4 years. Current priority is to pay off the mortgage by 2012.

  • SavingMentor December 6, 2010, 11:12 am

    Already a newsletter subscriber! My current financial priority is getting the mortgage paid off on our house so we can then have a sizable down payment to move into a bigger house. Should be able to accomplish this within a 2 or 3 years.

    Great job with MDJ over these past four years!

  • KC December 6, 2010, 11:12 am

    Congratulations on 4 years of blogging! Current financial priority is paying off debt.

  • Simon December 6, 2010, 11:14 am

    Nice giveaway! My goal is to build a DIVERSIFIED portfolio by adding new pieces everytime I have enough money saved.

  • Evan December 6, 2010, 11:15 am

    Congrats on four years – this site has helped me a ton in my trip of getting out of debt and into control.
    My main goal right now is paying off my house. I spent a few years getting out of debt and my wife and I want our house paid off before our first kid arrives. We’ve got at least 9 months and I’m pretty confident we can get it done by August or September with our current path.

  • Money Smarts Blog December 6, 2010, 11:18 am


    My main goal is to pay off the mortgage and get the wife back to work so I can quit my job. ;)

  • Charles December 6, 2010, 11:22 am

    congrats and more power! My goal is to pay off my mortgage in the next 10 yrs.

  • Subversive December 6, 2010, 11:24 am

    Hey FT, our financial goals are pretty straightforward in 2011. Get out of debt! We intend to be fully debt free, save for our mortgage, by the end of 2011.

  • Dave December 6, 2010, 11:28 am

    Congrats on the success.

    Although I don’t post a lot, I have this site hooked up to my google reader and find your topics to especially relevant to a fellow canuck.

    My main goal currently is keeping up our RRSP and RESP contributions while the wife is on maternity leave.

  • YYC December 6, 2010, 11:28 am

    My current priority is to pay down my mortgage as much as possible.

  • Aaron December 6, 2010, 11:33 am

    My financial priority is to save (and invest and pay down mortgage) enough so that I can retire in 11 years at the age of 45. A quick calculation of my cash flow reveals that I’m putting 50% of my before tax income to all three. My spreadsheet says I’m on track!

  • sophie December 6, 2010, 11:45 am

    pay off mortgage!

  • Jason R December 6, 2010, 11:46 am

    Thanks for the excellent writing. 4 years is quite the milestone.
    We are currently aggressively paying down our mortgage and trying to build a small saving fund.

  • Paul December 6, 2010, 11:57 am

    thanks for the opportunity, MDJ! My current goal is to save, save, and save!

  • Suresh December 6, 2010, 11:58 am

    Current Priority, Pay down Mortgage and build RSP

  • Echo December 6, 2010, 12:01 pm

    Congratulations FT, reading your journey has inspired me to start my own blog and path towards financial freedom.

    We are getting ready to build a house, so my current financial priority is to save as much cash as I can to use as a downpayment and contingency fund for upgrades, etc.

  • Jason M December 6, 2010, 12:05 pm

    Excellent job, paying off a line of credit.

  • Sustainable PF December 6, 2010, 12:06 pm

    Our priorities, yes, more than one (in no particular order)

    – pay down personal debt
    – pay down student debt
    – pay down mortgage debt
    – no not pay down HELOC debt
    – home improvements
    – build portfolio

    Congrats on 4 great years. Your blog is one of the reasons we started one of our own!

  • Antony Pranata December 6, 2010, 12:08 pm

    Congratulations! Please include me in the draw too… :)

    My current financial priority is to build a portfolio with proper assets allocation. I have lost a lot of money during last crash due to bad asset allocation; too much high-risky stocks and no diversification.

  • Alice December 6, 2010, 12:10 pm

    Congratz! I’m graduating and will be starting full time work soon. I have no debt to pay off, so I want to start building a long term RRSP portfolio for retirement and to defer tax. I also want to start saving for a downpayment for a condo within 5 yrs.

  • Sam December 6, 2010, 12:16 pm

    Congratulations! Thanks for the great work for the past 4 years!

  • geoff December 6, 2010, 12:25 pm

    Priority – contribute to investments and paying down mortgage while not picking up any consumer debt. Not one dollar. Not easy with daycare costs being what they are in TO.

  • BillT December 6, 2010, 12:27 pm

    Congrats on your entertaining blog and its continued success. Priority – Build a passive income portfolio.

  • Daryl December 6, 2010, 12:28 pm

    Pay Off Debt
    Pay Off Mortgage/Max TFSA/Max RRSP
    Build Non Registered Portfolio

  • Col December 6, 2010, 12:30 pm

    Congratulations. Priority is Mortgage

  • James December 6, 2010, 12:31 pm

    I found the blog last year and I am thankfull that I did. Since I am young and have no debt, my current priority is to continue to save for a substancial downpayment and to continue investing 10% of my net income.

  • Catherine December 6, 2010, 12:32 pm

    My current priority is to pay off my student loan and continue to put small amounts into my RRSP each month.

  • joe December 6, 2010, 12:33 pm

    Great general information for someone getting close to retirement, your links are very high quality no need to worry about there intentions are information not sales

  • Steve Zussino December 6, 2010, 12:34 pm

    Current priority is to support my wife. She is starting her new role as a mortgage broker in Victoria. Like any new business it takes time to develop referrals and I know she will be a success.

  • Jon December 6, 2010, 12:34 pm

    Congrats on 4 years. I’ve been visiting here for over three years myself.

    My current priority is to retire my mortgage, and increase my passive income by way of dividends.

  • Miilionaireby45 December 6, 2010, 12:35 pm

    Pay down debt is my number one priority. I am also very focused on building my portfolio.

  • bcrmt December 6, 2010, 12:37 pm

    Hey MDJ, thanks for 4 years. A lot of very good info from here has helped us out. We are further ahead thanks to your blog! Priorities are:

    pay down mortgage
    max out TFSA’s
    freedom 55 or younger

  • Chris D December 6, 2010, 12:39 pm

    I have learned alot from your site. My goal is to get a Smith Manoeuvre set-up on our mortgage this year.

  • Uncle El December 6, 2010, 12:42 pm

    Hello there and congrats on a good four years eventhough I have only been a reader since March 2010. But now to matter of hand, my financial priority is to pay down my school loans and then save for at least 5 months of expenses after that.

  • Joel December 6, 2010, 12:44 pm

    congrats on 4 years.
    my priorities.
    1) live frugally
    2) pay down debt
    3) save save save.

  • Pete December 6, 2010, 12:49 pm

    Priority: Build retirement portfolio

  • BluenoserinCowtown December 6, 2010, 12:53 pm

    congrats on all of the progress over the last 4 years, I have learned a lot reading your blog…thanks!
    my priority is to pay off our mortgage

  • k December 6, 2010, 12:55 pm

    Way to go!! What a milestone!!
    Priority —> decrease the debt while the rates stay low

  • Todd F December 6, 2010, 12:57 pm

    Signed up, current priority is to pay down debt.

  • chantl01 December 6, 2010, 12:59 pm

    Love this blog – it’s one of the websites I visit daily. In addition to RFD, of course! Smartcanucks is another good one.

    My financial priorities are all about paying down the mortgage. I’ve dropped my remaining amortization from 20 to 6 years so far, by increasing payments and adding lump sums. I have about 2 1/2 years left on my current term, on a variable, so the way things are looking, I’m hoping I might actually get it paid off within that term. Mortgage free at last!!

  • Jason December 6, 2010, 1:07 pm

    Good job MTJ! My biggest priority is getting as much paid down on our (admittedly large) mortgage.

  • Finance_Addict December 6, 2010, 1:12 pm

    build portfolio as mortgage payed off in Oct 2010.
    Congrats on 4 yrs.

  • Jane Smith December 6, 2010, 1:12 pm

    Trying to pay down debt and save for my children’s education. I love your blog – it keeps me focussed on what’s important for when I’m ready to build wealth.

  • Luc Richard December 6, 2010, 1:12 pm

    Another great contest. My priority is to pay down debt

  • Chao December 6, 2010, 1:12 pm

    Congratulations. My current goal is to quit my full time job!!!!

  • Jonathan Simon December 6, 2010, 1:13 pm

    My current goal is to save as much as I can for my retirement and vacation while still putting enough away to add value to our home and pay down the mortgage faster.

  • Jim Yih December 6, 2010, 1:14 pm

    Congratulations on your anniversary. You should be very proud of your achievements. My goal is to build the income in my new business.

  • Nathan December 6, 2010, 1:14 pm

    Hello there and congrats on a good four years! All these years I enjoyed your blog. Keep up the good work.
    My priorities are,
    Consolidate all registered account with one brokerage account.
    Improve my trading skills and enjoy my wonderful life.

  • Chad December 6, 2010, 1:14 pm

    I’ve been following for about a year and really enjoy the posts and discussion. As my mortgage is almost paid off now, I am focusing on maxing out my TFSA’s and creating passive investment income.

  • andrewbpaterson December 6, 2010, 1:14 pm

    Congrats…I’ve been following for several years now!

    Current priority: pay down debt within 6 months, then accumulate a 4 month savings reserve by the summer of 2012.

  • Doug December 6, 2010, 1:15 pm

    Working on building wealth…TFSA first and then RRSP.

  • Saver December 6, 2010, 1:16 pm

    Great post MDJ, keep up the good work. For the contest entry our priorities are:

    Pay down debt
    Increase savings through TFSA and stock porfolio

  • Rod December 6, 2010, 1:16 pm

    Great job!
    Our priority is to build our real estate portfolio.

  • Elaine M Tarrant December 6, 2010, 1:16 pm

    Build a portfolio, asap!

  • Shelly December 6, 2010, 1:16 pm

    My goal for 2011 is to continue to save for a down payment!

  • Brian December 6, 2010, 1:17 pm

    My priority is to pay down our debt, continue to build our portfolio’s and savings.

  • Jeff December 6, 2010, 1:18 pm

    Gret website.

    Priority arrange finances to cover all retirement cost for next 30 years.

  • James December 6, 2010, 1:18 pm

    My priority is to pay down our mortgage, develop an RESP for our child, and continue to build on our portfolio and savings.

  • Linda R December 6, 2010, 1:19 pm

    Excellent reading – thanks! Currently on disability recovering from illness. Hopefully back to work in the new year, then priority is to catch up and pay down debt, including mortgage.

  • Senk December 6, 2010, 1:20 pm

    My financial priority is making pre-payment on my mortgage.

  • Chris December 6, 2010, 1:20 pm

    Congrats on 4 years! Great Website! Current Priority: Pay down debt.

  • PoorFella December 6, 2010, 1:21 pm

    Congrats on the 4 years! Current goal: pay down debt

  • RI December 6, 2010, 1:21 pm

    Congratulations, wish you ever success!

  • Phong December 6, 2010, 1:23 pm

    Congrats on 4 big years. I’ve enjoyed reading the blog for almost that long. My current priority is to build a portfolio and get some passive income.

  • Pat December 6, 2010, 1:23 pm

    Great site. Been following for about 2 years now and keep coming back for more tips. Current priority for us right now is to complete some home reno’s and get portfolio adjusted for the when the economy strengthens some more.

  • Miss T December 6, 2010, 1:23 pm

    Congratulations on your anniversary. 4 years of blogging is definitely something to celebrate. My current financial goal is to pay off our LOC and save for a baby.

  • Stephen December 6, 2010, 1:23 pm

    Crush the mortgage!

  • Alyson December 6, 2010, 1:24 pm

    Enjoy reading your blog daily. Keep up the good work.

  • Patrick December 6, 2010, 1:26 pm

    Long-time reader, but have never signed up till now. Goals right now are paying off the mortgage and getting the retirement maximized

  • George December 6, 2010, 1:26 pm

    Our number one priority is to burn the mortgage. Only 20 months to go!

  • Stacey December 6, 2010, 1:27 pm

    1. Pay off the student debt.
    2. Double up the mortgage payments.

  • Michelle December 6, 2010, 1:27 pm

    Congrats on four years!

    In 2010 we filled our emergency fund and maxed out the rrsp. Our goal for 2011 is filling our tfsas and paying for some home renos.

  • Mike from Toronto December 6, 2010, 1:27 pm

    Congratulations on the anniversary. My current goal is to pay down the stubborn debt!

  • Denise December 6, 2010, 1:30 pm

    Congratulations! My current priority is paying of my mortgage while trying to build a portfolio.

  • Adam December 6, 2010, 1:30 pm

    Priority: dividend stocks

  • Kirk December 6, 2010, 1:30 pm

    My financial priority is to pay off our mortgage. It is our first one, but we are hoping to pay the entire thing off by the end of the term (5 years). So far so good.

  • Darren December 6, 2010, 1:31 pm

    We’re maxing out our RRSP’s, TFSA’s and putting as much against the mortgage as possible.

  • Astrid Moise December 6, 2010, 1:33 pm

    Signed up. Hope I win. On the investing track. Wish we were doing as well as you guys are.

  • Steve Winters December 6, 2010, 1:33 pm

    Congratulations!! It’s been a great 4 years of reading and education.

    My priority is to keep paying extra payments on my mortgage and have it paid off in a few years.

  • Alison December 6, 2010, 1:34 pm

    Congrats on four years of blogging! I enjoy your posts. My current financial priority is putting a dent in my mortgage as I have just purchased a home as well as maxing out my TFSA.

  • Emily December 6, 2010, 1:36 pm

    Congrats FT!

    Our priorities are to pay off all existing debt (exc mortgage) max TFSA and RESPs…ahh yes and bring our net worth out of the negative! About -$2300 now and going strong.

  • Florence December 6, 2010, 1:37 pm

    signed up for newsletter! my priority is to pay off debt!

  • Rick December 6, 2010, 1:39 pm

    Current financial priority – growing the portfolio to retire within 10 years.

  • sneeker December 6, 2010, 1:42 pm

    Priority – Pay off debt! Thanks!

  • Trevor December 6, 2010, 1:43 pm

    Current goals are building portfolio and saving for down payment on triplex.


  • KLM December 6, 2010, 1:43 pm

    1. Building my portfolio. Continue taking full advantage of TFSA and RESP (our continued saving habits always enable this).

  • Janis December 6, 2010, 1:43 pm

    Congrats on 4 years!

    My current goal is to build my downpayment.

  • Willie December 6, 2010, 1:43 pm

    Congrats! My current goal is all about saving up enough to put a 20 to 25 percent down on my first home.

  • James December 6, 2010, 1:43 pm

    Currently I am looking at paying down debt

  • RobW December 6, 2010, 1:44 pm

    Congratulations on the anniversary. Building RRSPs is top priority right now.

  • Richard December 6, 2010, 1:46 pm

    My goal is to have no debt and a portfolio of 1 million in stocks and fixed income securities

  • Craig December 6, 2010, 1:46 pm

    Looking to build my income generating portfolio within my TFSA

  • Peter December 6, 2010, 1:47 pm

    Currently I would like to pay down debt and then pump my my money into investments.

  • Christy December 6, 2010, 1:48 pm

    Would love to be debt free in 5 years!

  • Raj December 6, 2010, 1:49 pm

    Our family’s (of 4) current priority is to build our portfolio and achieve a $1M Networth by Year 2013.


  • Kevin Bundscho December 6, 2010, 1:50 pm

    Hi FT, longtime reader, first time poster. Congratulations on 4 year milestone. Longterm financial priority is FI, short-term priority is to save 10K in time for new home closing Sept/2011.

  • Kevin December 6, 2010, 1:51 pm

    Since starting reading your blog, I too have been calculating net worth monthly. What a great eye opener! I’m happy to say that my priority is no longer paying off debt (as it’s all paid off except for the mortgage) and saving up for a replacement car…something with more room for the golden retriever.

  • rob remmer December 6, 2010, 1:51 pm

    Currently looking to pay down Home line of credit but still have money to enjoy some of the finer things in life – like an ipod touch- This could help with my savings plan. Thanks

  • Ell December 6, 2010, 1:55 pm

    Max out my TFSA

  • Will December 6, 2010, 1:56 pm

    Paying down debt for me.

  • ROBERT SCOTT December 6, 2010, 1:57 pm


  • Ryan December 6, 2010, 1:58 pm

    Current priority is paying down our upcoming mortgage, hope to do so within 11 years…time to crack down on expenses!

  • DavidV December 6, 2010, 1:59 pm

    Paying off my mortgage (my only debt) while also saving. But, I’m putting more money towards debt.

  • Jamas December 6, 2010, 2:00 pm

    Pay down mortgage! I’m jealous you are now mortgage free.

  • maureen C December 6, 2010, 2:03 pm

    Congratulations! My goal is to pay down debt and then save for retirement

  • Jeff_S December 6, 2010, 2:03 pm

    Paying down the mortgage – we’re living on my paycheque and putting my wife’s directly against the mortgage.

  • Chet December 6, 2010, 2:04 pm

    Pay down debt on principal residence.

  • Susan December 6, 2010, 2:04 pm

    Really enjoying your blog. I’m on a similar journey (though later in life, so a little more time pressure). Started 7 yrs ago with $35K, now have net worth of $650K. Going for the million within 2 years (by the time I’m 50). Thanks for the inspiration!

  • Brian December 6, 2010, 2:05 pm

    Congrats on 4 years! I’m saving to buy my first house.

  • Scott December 6, 2010, 2:06 pm

    Paying down debt is our first priority for the new year. Having low interest rates at this time is helping us to achieve this goal faster.

  • qubikal December 6, 2010, 2:06 pm

    Congratulations! and thank you for sharing your financial knowledge! I remember finding out about your site 4 years ago when I was trying to figure out how to implement the Smith Manueover.

    Current priority is to finish off paying down the mortgage within the next 2-3 years.

  • Mike Fuellbrandt December 6, 2010, 2:07 pm

    My current financial priority is to pay down my mortgage, and increase our family savings.

  • Lanette December 6, 2010, 2:07 pm

    Congrats on making it to four years! I’m already a MDJ newsletter subscriber. My current financial priority (aside from selling a house and buying one in a far more expensive market) is building my emergency fund

  • Jusebastien December 6, 2010, 2:08 pm

    -Finish paying off mortgage (ends in 10 months)
    -Complete product prototype to start my own company

  • nobleea December 6, 2010, 2:14 pm

    congrats FT, i think i’ve been following you for close to 4 years. maybe 3.5

    priorities for 2011:
    refinance mortgage into a lower rate
    finish home renos
    increase net worth by 35%.

  • RJ December 6, 2010, 2:14 pm

    Just signed up – love your blog. My current priority is to pay down my LOC (used to finance the down payment on our new house to avoid CMHC premiums).

  • bdelaur December 6, 2010, 2:18 pm

    Congrats on 4 years, been following your progress, well done. Me: max RRSP/TFSA every year, pay down mortgage thereafter.

  • dannycanuck December 6, 2010, 2:18 pm

    Our priorities:

    -Max out RRSP contributions 2010
    -Invest tax return in TFSA
    -Pay down mortgage $20,000 in 2011

    Great site!

  • Debbie December 6, 2010, 2:20 pm

    Current goal: pay down debt on home. Secondary goal, quit obsessing about paying down debt and purchase some new appliances that aren’t white and discoloured yellow on certain parts.

  • J Oakley December 6, 2010, 2:20 pm

    Interesting. Just signed up for the new newsletter. Always enjoy reading this blog, especially since it has Canadian information.
    My priority is savings, and learning to manage them.

  • Gerry December 6, 2010, 2:21 pm

    1) Diversify investments out of cash

  • Judy December 6, 2010, 2:22 pm

    congrats on 4 years! priority is to simplify finances and get ready for retirement- 2 years away

  • Jon December 6, 2010, 2:29 pm

    Congrats on 4 years. I’ve found a lot of value in your blog. Keep it up!
    My priority is to build a passive income stream to reduce my dependency on traditional employment (while preserving and ideally growing capital, of course).

  • Sean December 6, 2010, 2:29 pm

    Build savings/portfolio.

  • Marianne O December 6, 2010, 2:30 pm

    Wow – 4 years – that’s a long time in cyberland! Good for you!

    My current priority is building up our TFSAs for 3 purposes: emergency fund, expected expenses (e.g. replacing our car), and funding a family vacation. We’re already on track with our retirement savings, but way behind on the three items above.

  • Elbyron December 6, 2010, 2:34 pm

    Congrats! My main focus right now is to put every extra dollar towards paying down the mortgage.

  • Doug December 6, 2010, 2:35 pm

    signed up – priority is currently paying down the mortgage…well mine is. my wifes priority is adding cash to her bank account! She loves having “safe” money

  • Lisa December 6, 2010, 2:36 pm

    My current priority is to pay down debt…
    Congrats on 4 years!

  • No Fees For Me December 6, 2010, 2:36 pm

    My priority – get off my butt and invest the cash sitting in my trading account.

  • Roberto December 6, 2010, 2:40 pm

    Thanks for all the great content! I enjoy the blog everyday. My current financial priority is to increase my savings! Thanks for all the help:)

  • Susan December 6, 2010, 2:48 pm


    I’m a newsletter subscriber from before, and my priority is paying down my mortgage.

  • RRS December 6, 2010, 2:53 pm

    My main priority is to pay down our mortgage with some leveraged investments (Smith Maneouvre).

  • Raf December 6, 2010, 2:54 pm

    Priority: Pay down debt.

  • Garrett December 6, 2010, 2:55 pm

    Pay down debt (student loans + mortgage)

  • Marypat December 6, 2010, 2:55 pm

    Congratulations! My priority is increasing our portfolio as retirement is just around the corner.I have become increasingly interested in dividend investing as I read the financial blogs.

  • Neeraj December 6, 2010, 2:58 pm

    Current priority: pay off the mortgage and increase RRSP contribution to save taxes.

  • Anu December 6, 2010, 3:02 pm

    my priority is to save taxes

  • Mark December 6, 2010, 3:02 pm

    Current Priority: Eliminate all non-mortgage debt. On target to be done by end of 2011.

  • Mary M December 6, 2010, 3:06 pm

    Retirement planning.

  • Slacker December 6, 2010, 3:14 pm

    Current Priority: Maintain budget discipline, reduce frivolous spending (lattes and eating out), and increase higher-quality spending (travelling)

  • Graeme Hussey December 6, 2010, 3:18 pm

    Current priority-building wealth through real estate

  • L. Yang December 6, 2010, 3:21 pm

    Current Priority: Paying off all line of credit debt and re-building emergency fund.

  • Future Money-Bags December 6, 2010, 3:26 pm

    4 years, look at all you have accomplished!!
    4 years ago is when I started seriously saving money as well.
    Now I am well ahead of most people my age (financially) due to saving and being frugal and living below my means.
    Never had debt, and I hope the only debt I will ever have is a mortgage. :)

    Thanks for helping me on my personal Journey!

  • Heather December 6, 2010, 3:27 pm

    Wow – what a great giveaway!

    Thanks for four years of fun (even though I’ve only been reading for one!).

    My priority is maxing out my TFSA for 2011 (2010 is already done!).

    Thanks again,

  • J Li December 6, 2010, 3:31 pm

    Congratulations on the milestone. My current priority is to eliminate the balance on my line of credit, and also to pay down the mortgage taking advantage of the low fixed rate.

  • Big E December 6, 2010, 3:34 pm

    Congrats on the 4 year mark! My priority – pay down mortgage while slowly building portfolio at the same time.

  • sean December 6, 2010, 3:36 pm

    Congrats on the anniversary and thanks for all the solid financial advice. It’s been a pretty wild four years.

    My top priority: Continue growing that down payment for a home.

  • TomC December 6, 2010, 3:38 pm

    pay off mortgage, then all $$ into RSPs!

  • Bill December 6, 2010, 3:39 pm

    Congratulation , my current priority is to pay off the mortgage .

  • Dean December 6, 2010, 3:39 pm

    Our current priority is to continue maxing out our TFSA’s and to pay down non-deductible debt. Congrats on 4 years already!

  • Eric December 6, 2010, 3:44 pm

    Congrats on your 4th year. MDJ is a core holding in my financial blog portfolio.
    Priority – pay down the non-deductible portion of our mortgage and establish a well diversified index-based retirement portfolio.

  • Joel December 6, 2010, 3:47 pm

    My current goal is a very simple one: create an actual budget and do a better job or tracking all expenses – every last dollar! My wife and I are very good savers, are aggressive with our mortgage, and both earn very good salaries. However, I always feel as though we should have more to show for it at the end of the year. I think we spend too much on things that we otherwise would not if we did a better job of tracking where all our money went.

  • youngandthrifty December 6, 2010, 3:51 pm

    Congratulations on your amazing success MDJ!
    Happy 4 year Blogiversary!

    I guess a lot of PF blogs start up around this time, eh? (me, you, The Financial Blogger)

    Here’s to many many more years and working a 4 hour workweek with your website!

    My current most important financial goal is… pay off my mortgage, because I just got one! :)

  • Erik December 6, 2010, 3:52 pm

    Congrats! My current financial priority is to review my investment strategy while building my portfolio and increasing my savings.

  • Chris December 6, 2010, 3:54 pm

    Congratulations on the 4 years. I enjoy reading all of your articles (current and past postings). Current priorities are to build passive income and reduce our debt.

  • Gene December 6, 2010, 3:54 pm

    Currently trying to build my portfolio! Thanks MDJ!

  • Bud Davidge December 6, 2010, 3:55 pm

    Congratulations. Continue to build wealth and learn as much from
    sites like MDJ as possible to make it happen.

  • LB December 6, 2010, 3:56 pm

    Current financial goals are:
    1) Build up emergency savings again
    2) Pay off all credit cards (remaining debt)
    3) Put more money into savings
    4) Go back to College and finish with no debt!!!!!

  • Darren December 6, 2010, 3:56 pm

    priority= paying off mortgage, building retirement portfolio

  • Marie Soulsby December 6, 2010, 3:56 pm

    Congrats on 4 years headed in the right direction. I have several interests in the newsletter – but my most important one right now is tax reduction.

  • Jason December 6, 2010, 4:01 pm

    Congrats on 4 years, heres to many more!
    Our current household goal is to pay off the mortgage by Xmas 2014.

  • Peter December 6, 2010, 4:05 pm

    Congrats on the 4 years! My goal is to win the lottery! But failing that which I am sure I will since I don’t even buy tickets, portfolio building is my main goal.

  • ethan December 6, 2010, 4:10 pm

    congrats ! Wow 4 years. My goal is to pay off my mortgage.

  • mcmatterson December 6, 2010, 4:10 pm

    More than all other personal finance blogs, I have gone back to the archives on yours anytime I need clarification or insightful opinions on a topic. This stuff is gold. Thank you.

  • David December 6, 2010, 4:13 pm

    current goal – build portfolio

  • isabella nat December 6, 2010, 4:17 pm

    good job with this!

  • Mateo December 6, 2010, 4:19 pm

    Hi! Finally subscribed to your newsletter after two years of following your blog. Keep up the work, it’s a great community here!

    My priority for the last two years has been paying off our giant Canadian student loans. It’s been rather boring really, but looking forward to being in the plus and then really having some fun! :-) One more year hopefully!

  • ASH 37 December 6, 2010, 4:20 pm

    Nice giveaway! My goal is to build a DIVERSIFIED portfolio by adding new pieces everytime I have enough money saved.

  • Onil December 6, 2010, 4:22 pm

    I’m looking for ways to save more and I’m going to work on a portfolio soon. Just about everything I have is in cash right now.

  • joncosmo December 6, 2010, 4:27 pm

    Saving 20% down-payment for first home.

  • Frog of Finance December 6, 2010, 4:28 pm

    My priority right now is putting money aside to purchase my next car — cash. I plan on buying next year.

    I may end up getting a car loan anyway, if the terms make sense. But I’ll know when I go shopping that I can pay the car in full and not rely on a loan.

  • Marc December 6, 2010, 4:41 pm

    Good Job on the blog :)

  • DanP December 6, 2010, 4:45 pm

    4 yrs..wow, congrats!

    I have some lower interest loans, but right now im attempting to save up for a house. Avoid as many CMHC fees as i can!

  • Marc December 6, 2010, 4:48 pm

    My priority – building up emergency cash :)

  • andy December 6, 2010, 4:49 pm

    Congrats on the 4 year journey

    been reading your site a few months ago, signed up for the newsletter just now and my financial priority is to save up for my first home, got my downpayment but working towards extra savings for the rainy day funds

  • Steve December 6, 2010, 4:50 pm

    Paying down the mortgage is #1 for us currently.

  • tripleBottomLine December 6, 2010, 4:50 pm

    Thank you for continuing the MDJ blog! My financial priority is paying down debt (my mortgage) whilst maximizing my RRSP contributions.

  • Erick December 6, 2010, 4:53 pm

    Current financial priority: Save up enough to ease into semi-retirement in the next few years.

  • Alice December 6, 2010, 4:56 pm

    building retirement portfolio is my current priority.

  • Brad December 6, 2010, 4:58 pm

    I’m trying to pay off debt and build our saving account at the same time. We’ll see how that goes. I might just dump it onto the debt but would rather have a “fall back” account just in case I get fired :-)

  • Brian C December 6, 2010, 4:59 pm

    Pay off Mtg in next 26 months and then continue to build my retirement portfolio focussing on income. Hopefully in the next decade it can replace my current work income so I can retire!

  • Chris December 6, 2010, 5:06 pm

    Woo 4 years! My priority is to invest like crazy so I can retire early

  • flying dutchman December 6, 2010, 5:07 pm

    Love the posts, learning lots, my main focus is paying down mortgage.

  • Jamie December 6, 2010, 5:14 pm

    My priority is to build up a retirement portfolio by making the right investment.

  • dnaman December 6, 2010, 5:15 pm

    CONGRATS! From this site, i created and tracked our own net worth. Currently we have a mortgage as the largest debt (220k) but also have substantial RRSPs (200k) and equity not too bad (200k). The rest (savings/TFSA, etc..) are all minor numbers relatively speaking.

  • JED December 6, 2010, 5:16 pm

    Wow! Congratulations on the 4 years. My current interest is learning how to build more income. I have most of my debt under control for now.

  • Mel December 6, 2010, 5:17 pm

    Congrats on 4 years! I have been a long time reader and wish you nothing but future success!!

    Our current priority is to pay down the mortgage and catch up on available contribution room for the RRSP. Now that we have no other consumer debt, these two goals are much more attainable.

  • Caitlin December 6, 2010, 5:18 pm

    Congratulations on 4 years!!

    I’m already subscribed to your newsletter! ^_^

    Right now my goal is to pay off debt.

  • AM December 6, 2010, 5:21 pm

    My priority – get rid of the mortgage

  • Richard December 6, 2010, 5:22 pm

    Right now my goal is to pay off my mortgage.

  • Amy December 6, 2010, 5:43 pm

    my priority right now is to build up our portfolios and paying down our mortgage

  • Jeff G December 6, 2010, 5:55 pm

    We are just about to finish paying off our mortgage so we are now focusing on saving for retirement.

  • QCash December 6, 2010, 5:56 pm

    My priority is to catch up on all the past articles of MDJ that I have missed because I have been so busy :-)

    PS FT – note my new email address.

  • Mike December 6, 2010, 5:58 pm

    Current priority is retirement and newborn education fund!

  • Feizal December 6, 2010, 5:59 pm

    Priority right now is paying down our mortgage and building up my Smith Manoeuvre portfolio.

    Thanks for a great 4 years and many more!

  • Tim December 6, 2010, 6:04 pm

    Looking to get into the “green” in the stock market and purchase a house.

  • Greg December 6, 2010, 6:08 pm

    Congratulations on 4 years.

    2 priorities: pay down line of credit and pump money into RRSP.

  • Leanne December 6, 2010, 6:15 pm

    Biggest financial goal – to balance retirement income with desired retirement activities.

  • Murugesan M December 6, 2010, 6:16 pm

    priorities: learn and stock trading

  • Zip December 6, 2010, 6:23 pm

    Congrats, MDJ!
    Wish you many more years of successful blogging, FT.

    My priority? SAVE, SAVE SAVE.. :)

  • Mark F December 6, 2010, 6:25 pm

    Congratulations on 4 yrs. My priority is to build up my portfolio.

  • Briana @ GBR December 6, 2010, 6:36 pm

    Congratulations on 4 years strong!! I’m sure it’s been hard but I see it’s done great things for your financial situation.

    My current priorities are to pay down my debt and save up an emergency fund. It’s going to take a while, but no one said it’d be easy. I just have to be determined and dedicated.

  • Allawi December 6, 2010, 6:40 pm


    Top priority this year is paying down my debt.

  • Ashleigh Grange December 6, 2010, 6:49 pm

    Congratulations on your 4-year milestone! What an exciting time for you, and the success you have achieved to date is impressive.

    My current priority is to pay down debt. I have a car loan that I got in March of this year that I am aggressively trying to pay down. Once that’s done, I’m putting the pedal to the metal to pay off my outstanding student loans. Hopefully within the next 1-2 years will be debt free.

  • Frank December 6, 2010, 6:53 pm

    Congratulations !

    always an entertaining and informative read which many times echoes things I did years ago – before the internet existed!

    My priority is to maintain my nestegg an achieve a perpetual passive income stream to maintain my financial freedom.

  • Sarah T December 6, 2010, 6:56 pm

    Congrats on 4 years!
    I’ve been reading for at least 2 of them… maybe more. :)

    Current priority – building portfolio

  • Phil December 6, 2010, 6:57 pm

    Paying down debt is the current priority

  • JG December 6, 2010, 7:15 pm

    Congrats on 4 years. Keep up the good work!
    Priority #1: Pay down debt!

  • Jenifer December 6, 2010, 7:20 pm

    My current priority is to preserve my capital and to further increase my saving so I can retire in 5 years.

  • Daria December 6, 2010, 7:26 pm

    Our financial priority is to contribute monthly to our RESP. Congrats on 4 years! Great newsletter!

  • BadCaleb December 6, 2010, 7:33 pm

    Congrats and thanks for continuing to provide great Canadian financial content. Our top priority is to build our investment portfolio through dividend growth stocks and index etfs/funds.

  • Chris Tringham December 6, 2010, 7:38 pm

    Wow, some great prizes.

    My priority is to create and follow my first budget in 2011.

  • Norman December 6, 2010, 7:41 pm

    Create a balanced portfolio.

  • Siva December 6, 2010, 7:43 pm

    Create a Dividend Growth Portfolio!

  • Ayesha December 6, 2010, 7:43 pm

    Learn about investing and build a porfolio

  • Ethan December 6, 2010, 7:43 pm

    The priority that my wife and I created was to start working on our savings account. This meant actually having cash available that was liquid for the first time in our lives! We now have nearly 1/3 of our desired 6 month savings thanks to smart savings techniques after only 6 months!

  • Rob December 6, 2010, 8:09 pm

    I’d like to start paying down the debt then the mortgage but my priority right now is my upcoming wedding.

  • Guri December 6, 2010, 8:11 pm

    current priority is to pay off the mortgage.

  • Zdad December 6, 2010, 8:20 pm

    congrats on your 4th year. Always find your posts very informative. Would have signed up for the Money Tips Newsletter regardless but winning a prize would be icing on the cake! (please sign me up)

    My Priority: fortunate that we don’t carry debt so my priority is on building a dividend portfolio as well as maxing out my newborn daughters RESP.

  • Adam December 6, 2010, 8:29 pm

    Thank you for helping me feel optimistic. My priority is to pay off the debt from my student loan.

  • Melanie Samson December 6, 2010, 8:48 pm

    Thanks for the great content!

  • Kashif December 6, 2010, 8:56 pm

    Curent priority is to pay down my debt

  • Taylor December 6, 2010, 8:57 pm

    Congrats on your blogiversary!

    My priority is to pay off my student debt!

  • Natalie December 6, 2010, 9:09 pm

    current priority, make it through maternity leave on the savings I have set aside. Then once back at work in 8 months my priority is to get rid of my remaining student loan.

  • Kenny December 6, 2010, 9:13 pm

    Current priority: save! (with the help of your blog of course)

  • Brian December 6, 2010, 9:18 pm

    Priority – Building Savings

  • Kyle December 6, 2010, 9:35 pm

    Great Contest: My current priority is to save up enough to begin the Smith Manuevre.

  • Bryce December 6, 2010, 9:48 pm


    1. Pay down student loans
    2. Save up down payment for my first house
    3. Save up for an engagement ring

    In any order.

  • Kevin December 6, 2010, 9:55 pm

    1. Invest
    2. Pay down Home
    3. Invest

  • John Lee December 6, 2010, 10:00 pm

    Congrats on the 4 years. Without a doubt, one of the best PF blogs around.
    My current financial priority is to pay down my mortgage.

  • Patrick December 6, 2010, 10:05 pm

    I currently have three priorities for investing, all with different portfolios. My first is to earn more interest than a high interest savings account; this will be used as down payment on my condo in 8 months (fingers crossed!). Second is long-term vacation planning: I’m planning a trip to Antarctica in 2014. The third is retirement: starting early = more savings.

  • Jamie Stevenson December 6, 2010, 10:21 pm

    Currently working on paying my way through school. Cheers

  • Nick December 6, 2010, 10:24 pm

    Congrats! Currently my priority is to increase my registered portfolio.

  • Nicolas December 6, 2010, 10:35 pm

    Current goal is to decide how much is worth a better job that pays less than the present one. How does one calculate that.

  • Ben December 6, 2010, 10:36 pm

    Top priority is to eliminate the mortgage.

  • Steph December 6, 2010, 10:42 pm

    Congrats on this anniversary !

    My top priority in 2011 is to keep investing in my RRSP, TFSA and RESP for my two kids at the same rate as 2010.

  • Jenny B December 6, 2010, 10:45 pm

    Paying down debt is my priority right now.

  • Neal December 6, 2010, 10:50 pm

    Love the site, been reading your blog for awhile now.

    My current plan is start building a portfolio after having secured a full time position. Currently looking at the couch potato strategy, contributing to my RRSP, and maxing out my TFSA.

  • Luc.s December 6, 2010, 10:57 pm

    My current financial priority is to start an rrsp and fund a 6 month emergency account.

  • Bobby December 6, 2010, 11:07 pm

    Paying off schoooool. Bahhhh

  • Dane December 6, 2010, 11:18 pm

    My goal is to get rid of my 150K mortgage as soon as humanly possible!! :)

  • John December 6, 2010, 11:28 pm

    Goal – preserve what I have during retirement.

  • Colin December 6, 2010, 11:40 pm

    Congratulations on 4 years.

    My goal is for my wife and I to retire at 50. In order to accomplish this, our priorities are:

    1. Pay off mortgage – only 30k left
    2. Maximize RRSP, TFSA, RESP contributions

    That is it.

  • Imad December 6, 2010, 11:41 pm

    Congrats for the great work, I only knew the basics with investing and you helped me leverage alot more on my current investment. No wonder there is that many people subscribed!

    As for my financial goal in 2011 and my priority, save 25% of the price of the new house I am planning to move into so I can avoid any mortgage insurance.

    Keep up the great work and looking forward to you next posts!

  • Ken Sidloski December 6, 2010, 11:51 pm

    Current priority; set up DRIP plans for Canadian companies (about 10 or so) and make quarterly payments to my favorites to avoid MERs and fees. currently have 7 started with 1 OCP, planning to make the other 6 OCP’s by end of December.

    Next is to set up TFSA for myself and wife (hopefully by end of 2010)

    and sometime in 2011 set up a leveraged account (similar to Smith Manouvre) to invest through an online broker to capialize on capital gains AND dividends TAX FREE.

  • Scott December 7, 2010, 12:05 am

    I’ve learned a lot since I started reading. Thanks!

    My priority – get rid of that dang old mortgage!!

  • Illest Sniper December 7, 2010, 12:08 am

    Awesome blog – my favourite financial blog by far.

    Top financial priority – build up savings in order to make a solid down payment for a house.

  • Judy December 7, 2010, 12:12 am

    Congratulations on your success.

    My priority is to be completely consumer debt free by April 2011. You are an inspiration.

  • Triple_Eh December 7, 2010, 12:13 am

    Congrats! My goal is to build my portfolio and net worth.

  • Birdie December 7, 2010, 12:14 am

    My goal is to save for a 20% downpayment on my first home.

  • Mehul December 7, 2010, 12:16 am

    Congratulation MDJ. I am reading your blog since a year. It is very helpful. My priority is to pay down my mortgage as well as increase my RRSP and RESP portfolio. Thank you very much for you information. Keep it up!!! :)

  • E.A December 7, 2010, 12:29 am

    I don’t normally register at websites but for this occasion I have.

  • guinness416 December 7, 2010, 12:29 am

    Yay – happy birthday!!! Top priority for me is banking a big raise when they’re announced at my place at the end of this week (wish me luck y’all)! After that – socking tons o’ cash away for an expensive buy I’ve got coming in early 2012.

  • Jared December 7, 2010, 12:32 am

    Paying off Mortgage

  • DawgeR December 7, 2010, 12:41 am

    My goal is to enjoy life and stop worrying about the money I’ve lost

  • Stevie December 7, 2010, 1:00 am

    Congrats FT! Current priority is to save for my wedding which is next year.

  • Sampson December 7, 2010, 1:05 am

    Good job FT. Highest priority now is probably paying down debt.

  • Michael December 7, 2010, 1:10 am

    Pay off my student loans and max my TFSA’s are my two main priorities.

    Thanks MDJ. This site has been getting better every year. Keep it up

  • $ave December 7, 2010, 1:14 am

    Congrats FT: I hope to buy 20 dividend paying stocks paying close to 5%

  • ZeFrench December 7, 2010, 1:15 am

    Joyeux anniversaire MDJ!
    Our current financial/personal priority is to finish our extensive renovations on time and on budget. So far so good!

  • AL December 7, 2010, 1:18 am

    build portfolio

  • Michael Smith December 7, 2010, 1:37 am

    Congrats on 4 years and love the articles/insight. I would like to build a portfolio.

  • Nate December 7, 2010, 1:46 am

    Congrats! My priority is to keep building up my portfolio and max out my tfsa contribution.

  • Eric December 7, 2010, 2:14 am

    My primary goal is debt reduction. Although, I am not neglecting optimizing my RRSP and RESP.

  • coffeeordeath December 7, 2010, 2:23 am

    Happy Anniversary,
    Our priority is to build our portfolio through the Smith Manouevre – which we could not have implemented without this site!

  • Jerry Wu December 7, 2010, 2:28 am

    Congratulations FT on the 4 year anniversary!

    Came across MDJ a couple of months ago and realized we have the same goal – get to a million dollar net worth by 35 – I got 5 more years to go. After reading more articles I found out we both are frugal engineers at early 30’s.

    Also congrats on being mortgage free. I still have 240K to pay off on my first home (in Vancouver).

    First priority be building up solid portfolio in the meantime paying off mortgage slowly (taking advantage of the low interest rate).

  • Jungle December 7, 2010, 2:59 am

    Happy Anniversary!

    Our main focus right now is to pay off the rest of our car which is on 0% cc. We are currently making extra mortgage payments. I am keeping my eyes on a couple stocks to add for our SM account.

    Thanks all, I hope I win!

  • Darryl December 7, 2010, 3:02 am

    1. Invest in TSFA
    2. Pay down Mortgage
    3. Invest non-registered account
    Congrats for 4 years! Keep up the great work!

  • Cuong December 7, 2010, 3:06 am

    Happy Anniversary!

    My priority – Pay off the line of credit before the rates go up, so I can spend it on vacations and do it all over again!

  • Flyguy1ca December 7, 2010, 3:11 am

    Great site

    Current goal: pay off mortgage :)

  • Elaine December 7, 2010, 3:41 am

    I’ve been enjoying this blog for the past 2 years. Keep up the great work. My goals are to keep plugging away at that mortgage and to learn more about investing and retirement planning… thanks to this site!

  • Mag December 7, 2010, 3:54 am

    Congratulations on 4 great years!

    Right now my financial priority is to build a portfolio.

  • Ken December 7, 2010, 4:05 am

    My main goal is to build up a portfolio. I was aiming at trying my own million dollar journey, but I don’t think that’s going to happen before I’m 35 … ;)

  • Noor December 7, 2010, 4:33 am

    Happy Anniversary!

    My current priority is to build my portfolio.

  • Marc December 7, 2010, 5:17 am

    save up for house :)


  • Henry December 7, 2010, 5:44 am

    My financial priority is to save for retirement.

  • dustin December 7, 2010, 7:17 am

    i want to pay off all my debts, top off my chilld’s resp and my rrsp, and retire well while i stil have the ability to be physicl

  • Ron December 7, 2010, 8:27 am

    Happy 4th anniversary!

    My current goal is to build my portfolio and save enough money for down payment of my future house.

  • Warren Xavier December 7, 2010, 8:36 am

    My current priority is to build build build (and hopefully grow) that portfolio.

  • BethO December 7, 2010, 8:56 am

    Congrats on 4 years!

    Paying off mortage July 2011!

  • Andrew December 7, 2010, 9:08 am

    Congratulations, your blog has been a great aid to us.
    Our current priority is 60% pay off mortgage and 40% passive income.

  • Frank December 7, 2010, 9:35 am

    Looking forward to reading the newsletter. My current priority is to build a portfolio.

  • Lallyn December 7, 2010, 10:11 am

    Current goal – to pay down debt and get the lowest interest rates and to continue to save.

  • Lisa J McK December 7, 2010, 10:34 am

    Congratulations on your 4th anniversary and your progres to date toward your goal. We should all have been so wise in our twenties! My financial goal: to increase the value of my investments by 20% within 5 years.

  • Ann December 7, 2010, 11:17 am

    My financial Priority: finish paying off my car loan in March and then start throwing all that money on our LOC to try to pay it down so we can run it up again on new windows and a deck replacement! Arrggh!

  • Peter December 7, 2010, 11:39 am

    My current goal is to build my portfolio.

  • Nathan December 7, 2010, 11:52 am

    Congrats! Really enjoyed your blog and viewpoints as well as the other contributors.

    Currently building out a portfolio, would love to see more of your dividend picks and progress. Enrolled in CFA program.

  • DG December 7, 2010, 11:59 am


    Working on my mortgage.

  • Play the odds December 7, 2010, 12:11 pm

    Portfolio building + savings

  • ITS December 7, 2010, 12:21 pm

    I would like to retire from 9-5 at 45 years old

  • Arlechino December 7, 2010, 12:27 pm

    I’ve been in school for way too long, and have been slowly building up debt over the years. My first priority is to try to keep my debt growing as slowly as possible. My second is to make the minimum contributions to programs, like my son’s RESP, which give extra benefits to low-income families. Once I actually start to earn a salary, I think I’ll focus more on building a few months of savings in a TFSA rather than paying down my debt early- the peace of mind of knowing that I have some security is worth the extra interest.

  • bettyvee December 7, 2010, 12:28 pm

    My goal in 2010 was to pool some savings and learn as much as possible. My goal for 2011 will be to start investing.

  • Rich December 7, 2010, 12:56 pm

    Thanks for the contest!
    My priority is pay down mortgage

  • RJ December 7, 2010, 12:58 pm

    Congrats. My goal is to consolidate my investment accounts and build my porfolio.

  • Johnny S December 7, 2010, 1:15 pm

    Building wealth… debt pretty much paid off :-)

  • geoff December 7, 2010, 1:16 pm

    Already newsletter subscriber.

    But planning on maximizing my tfsa contribution at the beginning of the 2011 calendar. With Reits and bond funds.

  • Alex December 7, 2010, 1:44 pm

    My priority for the new year, avoid lifestyle inflation. I’m getting a raise so I should be able to increase my savings significantly. Thanks for the contest

  • str8jkt December 7, 2010, 1:44 pm

    Ugh, working on paying down the brand new (much too high) mortgage on the new house we just built.

  • Sarlock December 7, 2010, 1:48 pm

    Pay off mortgage in 4 years… slowly getting there!

  • Ryan December 7, 2010, 1:51 pm

    My #1 goal is not eliminate all consumer debt. Then I will focus on mortgage.

    Congrats on the 4 year milestone!

  • DoNotWait December 7, 2010, 1:52 pm

    Signed up! But only wanted to say : CONGRATS! Very very nice.

  • Victor December 7, 2010, 2:04 pm

    Compounding investments by reinvesting on a continuous monthly basis and letting all interest re-invest.

  • Andre December 7, 2010, 2:10 pm

    Congrats. My current goal is build my retirement portfolio with dividend paying stocks and ETF’s.

  • Antoine December 7, 2010, 2:20 pm

    Congratulations, 4 years is quite an achievement! And I’m sure you must be thrilled already to think about next year with a symbolic 5 years birthday coming.

    As for my priorities, I’d say that since kid #1 has arrived 6 months ago and considering I’m debt free, I’d like to improve my “money efficiency”, i.e. take advantage of all fiscal possibilities to save dimes and pennies (or more) to build up a solid education fund for my child.

    Oh and, btw, Merry Christmas and happy new year to all MDJ readers!

  • UpNorth December 7, 2010, 2:22 pm

    Great work. Currently building an emergency fund and saving for around the world plane tickets.

  • Romeo December 7, 2010, 2:29 pm

    Congrats on 4 years. My priority is to pay down consumer debt. Then tackle the mortgage.

  • Ed December 7, 2010, 2:31 pm

    Priority is to save up more cash for a downpayment on a condo.

  • stacey December 7, 2010, 2:53 pm

    My priority is to build up my emergency fund.

  • EC December 7, 2010, 3:01 pm

    Congratulation MDJ!
    My priority is to pay down mortgage and build SM portfolio.

  • DividendMan December 7, 2010, 3:11 pm

    My priority is to build up my portfolio so that when I’m 35 I can have all my basic expenses (rent, food, etc.) covered by passive income, so I could quit my job… although even if I make that goal I doubt I’ll quit working :)

  • rq December 7, 2010, 3:12 pm

    build up emergency savings and pay down mortgage

  • jjmclell December 7, 2010, 3:31 pm

    Just got engaged and bought a house and now finding myself over-extended. My short-term goal is to have my higher interest bank loans cleared up by Feb. 2013. After that I’d like to focus more on my investments.

  • ahmad December 7, 2010, 4:01 pm

    Congrats FT!

    Currently I am focusing on building our RRSP portfolio for retirement. All debt paid off last year.

  • Roger G December 7, 2010, 4:05 pm

    Hey, great blog man!

    Recently graduated, so focusing on paying off high interest student loans for now.

  • Matt Sheldon December 7, 2010, 4:08 pm

    Long time reader, sometimes highly critical of your postings, don’t exclude me because of that :)

    Day trader for 2 years now building a healthy portfolio


  • Matt December 7, 2010, 4:19 pm

    Thanks for the great prizes!

    I’m currently trying to save to put together a sizable down payment to buy a condo in the next couple years.

  • Crystal December 7, 2010, 4:22 pm


    I’ve been very inspired by your amazing blog..
    My first goal is paying off all my debts.

  • Russell December 7, 2010, 4:30 pm

    Great site. Current priorities are to pay down debt and create a sensible exit strategy for two of the three properties that I own. Low intrest rates are hiding a huge risk potential on the horizon!

  • Brad December 7, 2010, 4:47 pm

    I’ve been following mdj for almost the entire 4 years – it’s been a great resource. My wife and I just moved to phase 2 of life and we’re re-adjusting things so we can still pay down debt.

  • Veronica December 7, 2010, 4:53 pm

    Congrats! My current goal is saving for a family trip to Europe in a few years.

  • Viv December 7, 2010, 5:26 pm

    Great site. My goal is to stop chasing the wrong trades

  • Colleen December 7, 2010, 5:29 pm

    Congratulations!! My current goal is saving for my wedding in less then a year!

  • Rob December 7, 2010, 5:30 pm

    Current priority is to pay off LOC and followed by mortgage

  • Steve December 7, 2010, 5:35 pm

    My priority is building wealth.

  • Dave December 7, 2010, 5:46 pm

    Congratulations FT!

    Since I started following your site a couple years ago, I have started keeping track of my own financial journey. Thanks for leading the way!

  • N, December 7, 2010, 5:50 pm


    Pay off mortgage and
    Catch up on RRSP contributions

  • Cory December 7, 2010, 6:05 pm

    Current priority is building my RRSP portfolio

  • Marianne December 7, 2010, 6:10 pm

    Signed up thanks. 5 year priority to build equity so can send kids to university!

  • Andre December 7, 2010, 6:16 pm

    Build up my savings and emergency back up account

  • Christine December 7, 2010, 6:19 pm

    Thanks for the chance to win!

    My current priorities are:
    1) Saving – Increasing Net Worth
    2) Mortgage Paydown


  • David December 7, 2010, 6:25 pm

    Paying down debt, build portfolio.

  • Joyce December 7, 2010, 6:29 pm

    Current priority: pay off debt

  • wx_junkie December 7, 2010, 6:56 pm

    Great contest! My immediate goal is to continue SM to pay off Mortgage, then sell equities, pay capital gains taxes and complete HELOC, and have a bit left over with no mortgage payments to boot.

  • Xander December 7, 2010, 6:59 pm

    Congratulations FT!!

    My current priority is to build my financial portfolio .

  • Steve December 7, 2010, 7:12 pm

    Wow, hearing that made me realise how long I have been reading Million Dollar Journey! My current priority is saving, for my first house

  • Kevin M. December 7, 2010, 7:18 pm

    Congratulations on 4 years!
    Current financial priority is to pay down debt.

  • Adam Poirier December 7, 2010, 7:35 pm

    4 years? Congratulations! Here’s to many more!

    My current priority? Paying down the debt.

  • PuddleJumper December 7, 2010, 7:40 pm

    My plans are to use my re-advancable mortgage at a great rate to transform and build a portfolio and switch mortgage interest into tax deductable investment interest…Thanks FT for the site and the chance to win.

  • Kate December 7, 2010, 7:54 pm

    Build portfolio

  • Tin December 7, 2010, 8:34 pm


    Current Priority: Pay off Student Loans

  • RL December 7, 2010, 8:59 pm

    Congrats on your accomplishment! I have greatly enjoyed your site and the info it has provided in helping me with being more financial responsible and tips on saving. My current priority is establishing more of an emergency fund.

  • Marc December 7, 2010, 9:12 pm

    I’m working on paying down the mortgage. I have a good rate and have been debating building my portfolio vs paying down my mortgage, but have decided on the mortgage.

    Congrats on the 4 years! I’ve been reading it for over 3 years and have learned a lot of great info.


  • Patrick December 7, 2010, 9:30 pm

    Congrat’s on the 4 years – thanks for including us on your journey.
    Priority is on paying down debt and building up our portfolio.
    Thanks again.

  • Rachel N December 7, 2010, 9:32 pm

    I would love to pay down my credit card and bills. being a single mom it’s really hard to keep up! Congrats on 4 years! and thank you for the giveaway

  • Shannon December 7, 2010, 9:37 pm

    Our goal is to pay off debt and build savings. 2 big goals. Congrats on 4 years!!

  • Stephen December 7, 2010, 9:46 pm

    Been a long time reader.

    Great question. Right now my current priority is to save for a mortgage. My closing date is in about 8 months, and super excited. While I do have my current savings, I feel I need to increase it to prepare for the amount of expenses the new life will have :)

  • Maltese December 7, 2010, 9:47 pm

    Hey, I love your blog ….. lots of relevant posts!

    My goal is to retire in 4 years at the age of 59 with enough money to live comfortably. I’ll be a very happy camper if I can achieve this.

  • Alfred December 7, 2010, 9:48 pm

    Great site and congratulations on 4 solid years. My goal is building my portfolio.

  • Mathew December 7, 2010, 9:51 pm

    My goal is to build my portfolio and save for a wedding at the same time. Impossible? We’ll see!

  • Terri Axani December 7, 2010, 10:13 pm

    Cheers to four fabulous years! My priority is getting that TFSA set up and preserving capital.

  • Archunan Mahadeva December 7, 2010, 10:19 pm

    Wow that was fast! It felt like just yesterday when I was congratulating MDJ on 3 years.
    Congratulations on 4 years now!

    My current financial goal is to graduate debt-free and then some. I am well on my way towards that goal, which I could partly attribute to MDJ! Thanks for the everything!

  • Tigger December 7, 2010, 10:52 pm

    Current goal is to pay off the mortgage as soon as possible.

  • Carol December 7, 2010, 10:53 pm

    My current goal is paying down my mortgage as quickly as possible.

  • Sarah December 7, 2010, 11:18 pm

    Pay off our mortgage in the next year or two…before our oldest starts college.

  • Financial Cents December 7, 2010, 11:24 pm

    A major congratulations to you FT on your anniversary. You should be very proud! My current priority is two-pronged: pay down the mortgage and build a solid retirement portfolio.

    Keep up the great work and stay in touch.

    My Own Advisor

  • KEO December 7, 2010, 11:24 pm

    I am looking to build my portfolio.

  • Jared Oldham December 7, 2010, 11:52 pm

    My wife and I are doing our best to pay off debt. Each month is another great step in our journey!!!

  • Chris December 8, 2010, 12:29 am

    Thank you for the excellent blog. In 2011 I’d like to continue building my emergency fund and pay down my mortgage.

  • Paul T December 8, 2010, 12:43 am

    In 2011, I’d like to pay down my mortgage and get a good return on my investments

  • Graham December 8, 2010, 1:13 am

    My goal is saving for my wedding. :)

    Thanks for an awesome site!

  • Sameer Rizvi December 8, 2010, 1:35 am

    Love this site ever since I landed on it 2.5 years ago! My current goal is to save enough money to get a Masters degree :)

  • Sarah December 8, 2010, 1:39 am

    Need to build that portfolio!!!!!

  • Shirley December 8, 2010, 1:48 am


    Working slowly and steadily on emergency fund and rrsp.

  • Min December 8, 2010, 1:57 am

    Build the portfolio!

  • Mr Mar December 8, 2010, 2:02 am

    Goal to build portfolio. Big question for 2011…Can a portfolio have too much registered content?

  • Paul December 8, 2010, 2:58 am

    My present priority ? Get a more balanced portfolio, I’ve got a nice setup in Canada but was a bit chilly about investing outside our borders, but now it’ll take 2 years to get a balanced portfolio set up.

    Hoping for the Ipod :-) (but a gift card is cool too !)

  • Cindy Brick December 8, 2010, 5:24 am

    Pay down unexpected medical bills – and not incur more!

  • Dave December 8, 2010, 5:54 am

    Congratulations on the 4 years. My Current priority is to save up a down-payment for a house!

  • burk December 8, 2010, 7:37 am

    signed up. thx. current priority: build portfolio. measure net worth regularly

  • Elaine December 8, 2010, 11:07 am

    Congratulations on your 4 year anniversary. My current goal is to pay off my student loan while trying to save.

  • Jay December 8, 2010, 11:44 am

    Increase Net Worth consistently by building portfolio and assets, and paying down debt.

  • Cathy Beggs December 8, 2010, 12:00 pm

    Congratulations. My current goal is to save for retirement.

  • Vipin December 8, 2010, 12:26 pm

    Congratulations on completing 4 years….you are doing a great job…

    Current priority: Maximize RRSP/TFSA
    Pay off mortgage
    Retire early :)

  • Michael December 8, 2010, 1:31 pm

    I am committed to paying down my mortgage in 11 years and building my RRSP and savings. Congratulations MDJ on 4 years. I’m looking forward for many more years to come.

  • Aurel December 8, 2010, 1:37 pm

    Signed up! My goal is to build my portfolio.

  • Andy December 8, 2010, 3:41 pm

    Congrats on 4th MDJ B’day.

    I am going to save for down payment on house.

  • Pam December 8, 2010, 3:48 pm

    Congrats on the 4 years!! My priority is debt elimination

  • Greg December 8, 2010, 3:51 pm

    Pay off mortgage and become debt free!!!!

  • Ken December 8, 2010, 4:11 pm

    My current priority is to build portfolio up to point where it generates enough income for me to live on.

  • Chickeni December 8, 2010, 5:11 pm

    Congratulations!! Current goal is to build portfolio & bring mortgage to zero.

  • Chris Crawley December 8, 2010, 5:43 pm

    I’ve learned so much from your blog, I usually check your site once everyday to read any new articles, and read over past ones. My goal is to get rid of the bit of debt that I have, and invest in being able to retire while i’m young, and build up my financial IQ as much as possible. I learnt about Questrade from this site and have recently started up 2 accounts with them so far, I picked up a few books from your recommended books section (Garth Turner’s Money Road was really a great read). Million Dollar Journey is probably my current most favorite website/blog, and I check it almost more frequently than email!. Keep up the awesome work!

  • Vince December 8, 2010, 5:59 pm

    current priority: pay down mortgage, then build porfolio

  • Naletar December 8, 2010, 6:55 pm

    Congratulation on the first 4 years, hope there is many more to come :)

    Our current priority is building up portfolio while reducing our mortgage (SM)
    We have a rental property that we hadn’t been able to sell in 2009 after we fully renovated it (it’s paying itself and leave spare money sent toward SM) and we are always looking to sell and pass to a new projet flipping something bigger if a good opportunity arise.

  • Walter December 8, 2010, 7:01 pm

    Looking to invest…

  • Jim December 8, 2010, 7:23 pm

    Pay down mortgage is current priority.

  • Lynton December 8, 2010, 7:35 pm

    Paying down debt is our current priority.

    Congrats on 4 years. I really enjoy reading this blog.

  • SophieW December 8, 2010, 7:45 pm

    My biggest priority right now is paying off my car loan. I have 3 years of payments remaining, but at the rate I’m going it will be gone in 10 months! :)

    At the same time, I’m slowly building up an emergency fund. I could be putting that $100 a month on the car, but I don’t want to be stuck with additional debt if something catastrophic happens…

    Oh, and a huge CONGRATS on continuing to create such interesting and informative blogs for a whole 4 years!

  • mtach December 8, 2010, 8:40 pm

    current priority: build portfolio.

  • Anthony December 8, 2010, 8:41 pm

    Save for retirement.

  • Sean December 8, 2010, 8:59 pm

    Thank you everyone involved with this site. My goal is to have a nice cushion (of cash).

  • Allan December 8, 2010, 9:41 pm

    Current priority is to save and build portfolio.

  • Linda December 8, 2010, 10:20 pm

    My current priority is to increase income – I became self employed earlier this year and my income has been cut substantially. As a result, we are not staying ahead of the cost of living :(

  • Sharkey December 8, 2010, 10:24 pm

    Our current priority is to build up our portfolio, with a focus on figuring out what to do with our defined benefit pensions, because we’ve left the government for the private sector.

    Congrats on 4 years of MDJ, here’s to many more.

  • Mike December 8, 2010, 10:37 pm

    Goal is to payoff mortgage next year, and then to use the smith manouver to leverage my house to pay off a mortgage on an investment property that has a higher interest rate (commercial) in two years when the mortgage term expires. Once this occurs I will be financially free at 40. Yipee!

  • Amanda December 8, 2010, 11:46 pm

    Congratulations on four years! Our priority right now is paying down the mortgage. Boring but effective. :)

  • Jon December 9, 2010, 12:40 am

    My priority is to pay down debt, then start splitting savings between a down payment fund, RRSP and TFSA investing!

  • John December 9, 2010, 1:20 am

    Buy a second home and rent out the first home.

  • Chris December 9, 2010, 1:51 am

    Current priority is to pay down debt. We are focussing on our paying down our secured line of credit rather than our higher-interest student loans, because we would prefer the “wiggle room” when we go down to one income next year.

  • GTK December 9, 2010, 2:04 am

    Reduce that mortgage and build that RESP!

  • Veronica December 9, 2010, 10:14 am

    My priority is to pay down debt – once the credit cards are down we will focus on the mortgage.

  • Dutchie December 9, 2010, 11:04 am

    Current priority is to pay off mortgage while borrowing money back to buy investments

  • Rebecca December 9, 2010, 12:01 pm

    Saving towards a down payment on a house.

  • Craig December 9, 2010, 12:10 pm

    Priority is paying down debt.

  • Tanya December 9, 2010, 4:00 pm

    Thanks MDJ and congrats!

    Current priority: focus on RSPs, Mortgage and RESPs in that order…for now. :)

  • Jeremy December 9, 2010, 4:30 pm

    My priority is developing multiple streams of income, your blog post about that is what drew me here just now.

  • Michael December 9, 2010, 5:13 pm

    Congrats on the 4 year anniversary.
    Like many, my personal goal this year is to pay down debt.

  • Michael December 9, 2010, 7:07 pm

    Congrats on the milestone! Keep up the good work!

    I am focusing on maxing out my TFSA and RRSP contributions with any excess going towards paying down the mortgage.

  • Tom @ Canadian Finance Blog December 9, 2010, 8:03 pm

    Congrats on the 4 year mark FT!

    My priority is to increase my online income, lots of plans for 2011 to make that happen!

  • Marie December 9, 2010, 9:38 pm

    Congratulations FT on achieving a great milestone. Looking forward to see many more to come. Our priorities right now are to pay for kids education, reduce mortgage and Save bucks!

  • Varun December 9, 2010, 11:55 pm

    Can’t believe it is 4 years already.

  • darryl December 10, 2010, 12:17 am

    My focus is paying down debt (mortgage)

  • Canadian Capitalist December 10, 2010, 1:05 am

    Congrats FT! Main priority continues to be building a portfolio.

  • Sudip Adhikari December 10, 2010, 1:32 am

    4 years eh!
    Did not know when it happened. I knew that I have been reading your blog for a while, did not realize the clock ticked so fast.
    If you ask me for my financial goals then there are many. I shall be writing them down but can not finish – because we change over time. Few years ago I did not think about RESP – now I do. My present priorities are as follows:-

    1) Be debt free (various forms of debt).
    2) Pay cash.
    3) Save to buy.
    4) Do not become obsessed with the idea of becoming debt free.
    5) Spend as much time with family. No amount of money can buy me these precious hours – which I would pine for in future. (Time is money guys)

    Wish you good luck and happy holidays.

  • Irfan V December 10, 2010, 2:14 am

    Nice giveaway, thanks! My goal is to build up a solid retirement portfolio. Looking forward to the newsletters!

  • Karen December 10, 2010, 2:40 am

    Great blog, count me in on the contest. Our priorities have always been:

    1. save to buy and avoid debt – we have been mortgage-free for 6 years and are now in our late 40’s.
    2. Put the future before the present – we try to max out on RRSP and RESP’s (and now TFSA’s too) before spending on discretionary items.

  • jim December 10, 2010, 9:16 am

    Well done on 4 years. I’ve been an avid reader for a couple of years now.
    My priority is to pay down the home loan.

  • Larry December 10, 2010, 10:19 am

    Just signed up. My goal is to continue to build my portfolio to be in a position to retire in 6 years.

  • Steve December 10, 2010, 10:33 am

    Great work on the blog.

    Just paid off the mortgage, now working towards building up the RRSP and TFSA and supporting daughter in college.

    Struggling with whether to get back into equities after the last meltdown. Mainly in GICs right now.

  • Michael December 10, 2010, 11:34 am

    Thanks! My goal is the pay off the mortgage!

  • Bobby Aves December 10, 2010, 12:07 pm


    1. Build portfolio. Have saved alot in the recent years and now to build something from it

  • Yves Blais December 10, 2010, 12:08 pm

    Congrats, and thanks for providing so much usefull informations.

  • Ludger December 10, 2010, 12:50 pm

    Financial Priority = diversifying investments / income streams, perhaps using some income properties. I’m solely invested in paper assets as it stands. I’m considering taking on some long-term investment debt at these low rates; I might as well make inflation my friend instead of my foe!

  • Li December 10, 2010, 1:50 pm

    Paying down debt always comes first. If there were not any significant debt, build portfolio then.

  • Steve December 10, 2010, 2:05 pm

    Congrats on four years of blogging. That’s an impressive stat. My goal is to become a more astute investor and to take greater ownership over my investment portfolio instead of leaving it in the hands of my financial advisorSteve

  • Marcel December 10, 2010, 2:29 pm

    I’ve been delaying building that portfolio for too long.

  • Carlos December 10, 2010, 2:48 pm

    My goal is to reduce credit card debt and pay off my mortgage

  • Antonio Lopez December 10, 2010, 3:06 pm

    congrats! building a portfolio is my first priority!!

  • Newbie Investor December 10, 2010, 3:32 pm

    had been reading your blog for the past year just signed up now. THanks for all the great info.
    Current priority : saving for down payment.

  • CanadianInvestor December 10, 2010, 4:11 pm

    Congratulations on your very successful blog! I am only 11,900 readers behind, but I don’t mind since my priority is to prosper by using my blog investigations to invest successfully.
    Best of luck,

  • ib December 10, 2010, 4:40 pm

    Priority 1: pay of debt.
    Congrats – I’ve learned a lot from the blog.

  • Kenny December 10, 2010, 4:48 pm

    Congrats on the 4 years! My highest priority is saving up for a down payment for a condo/house.

  • marek December 10, 2010, 5:35 pm

    Congratulations on the 4 years!!! I’ve moved from ‘hyper saving’ (working full time right out of school and living with my parents) to ‘maintaining’ since I’m now back in school part time, working part time and renting. No debt in sight so next step is saving up more for a nice down payment on a small 1st house. I ‘need’ to travel though so that complicates things a touch although I’d be crazy to complain about that.

  • Alsiem December 10, 2010, 6:41 pm

    I guess build a portfolio. I’m actually trying to address all 3.

  • Sam December 10, 2010, 7:22 pm

    Trying to find the Best Strategy to get a steady income from RRSPs without paying too much income tax.

  • js_cooldude December 10, 2010, 11:20 pm

    Signed up! as for my goal: setting up savings is where I’m at,

  • g-lucky December 11, 2010, 12:39 am

    Congratulations! My priority is to maximize my RRSP and TFSA contributions annually while paying down debt (car and camper loans)

  • S. Creighton December 11, 2010, 12:53 am

    Congrats on 4 yrs! Lots of good info obtained from your blog.
    My current goal is paying off our mortgage, and increasing retirement savings.

  • cannon_fodder December 11, 2010, 3:46 am

    Congrats FT! I can’t remember how long ago I found your site but it’s been a great ride from my perspective.

    Primary goal is to accumulate retirement nest egg at an accelerated rate.

  • Phil S December 11, 2010, 4:08 am

    We’re currently drawing from our wealth but will start saving again once my wife returns to work.

  • chris December 11, 2010, 6:48 am

    great job after 4 yrs, it takes alot of determination to get this far!

  • Larry December 11, 2010, 10:51 am

    Congrats on your anniversary!

    I make MDJ a daily read on my quest to:

    – establish multiple streams of income
    – reduce the money that leaves my pocket.

  • Tracey H December 11, 2010, 11:43 am

    We’re trying very hard to save enough for a comfortable retirement.

  • Keith December 11, 2010, 11:44 am

    We’re hooked on travel so we’re trying to save extra for our retirement so we can see the world.

  • Jessica December 11, 2010, 3:56 pm

    Just subscribed… current priority: pay off that mortgage!

  • FB @ FabulouslyBroke.com December 11, 2010, 4:56 pm

    Congratulations! You started blogging at the same time I did, but clearly did far far far better than I have with my blog :)

    My current financial priority is just to keep building wealth and staying around $1000/month for personal expenses.

    Then I just need $10,000 for a trip and I’m good!

  • gene December 11, 2010, 7:51 pm

    Please disqualify the other entrants.

  • Ice cream on a stick December 11, 2010, 10:37 pm

    Congratulations! My priority is not to have other priorities, but stick with the plan

  • Mario December 11, 2010, 10:48 pm

    Current goal is to reach 500k in liquid net worth. Should get there by Feb 2011

  • Rebecca December 12, 2010, 12:01 am

    My financial priority for the new year and the next few years is to pay off the new used car purchased today.

  • gene December 12, 2010, 12:20 am

    Whoops. sorry, I didn’t read the rules. Disregard comment 462. My financial priority is to outperform the stock market going forward. If I can’t do that, indexing makes sense.

  • Ang December 12, 2010, 1:52 am

    Priority is paying off the mortgage which should be within the year then building up rrsps.

  • Jacq @ Single Mom Rich Mom December 12, 2010, 2:46 am

    Goal for 2011 is to live for the rest of the year on the income from 3 months of working and travel a ton to boot. Oh – and to not lose money on a single one of my stocks would be nice. Also to rebalance properly.

  • Karin December 12, 2010, 10:54 am

    My priority is saving up for early retirement (50).

  • Mom 2 Three December 12, 2010, 12:32 pm

    Congrats on the milestone! My goal is to pay down our line of credit and increase our emergency fund.

  • Heather December 12, 2010, 3:16 pm

    Congratulations! Thank you so much for the wealth of information received over the years.

    For the contest, my current financial priority is that of so many of us: pay off the mortgage and continue to build our retirement portfolio….thanks again!

  • chun December 12, 2010, 4:31 pm

    my priority is to build wealth so that I can I be semi-retired sooner rather than later

  • Linda December 12, 2010, 5:11 pm

    Congradulations! My current priority is to save and invest for early retirement.

  • nomis December 12, 2010, 5:36 pm

    congrats on 4 years! i’ve been reading you for almost that long.

    current priority is to accumulate enough cash for a down payment on an overpriced vancouver home.

  • telefantastik December 12, 2010, 7:21 pm

    Congrats on the 4 years online!
    My priority right now is to build an emergency fund.

  • James December 12, 2010, 11:02 pm

    grats on the 4 years, great blog.

    My current priority is building my portfolio

  • Pigzfly December 13, 2010, 12:18 am

    Financial Priority – pay down debt.

  • Clark Danger December 13, 2010, 1:49 am


    My current financial priority is to win a free iPod touch and sell it for cheap on Kijiji… and increase passive income/quit job!

  • Rick December 13, 2010, 3:09 am

    current priority it to pay down the mortgage. congrats on 4 years and great content.

  • Jan December 13, 2010, 3:58 am

    Wow! Almost 500 entries and it still has a week!

    My priority right now? Figuring out how and when to take money out of retirement accounts. Should I start now and enjoy life- or sit on it and hope to never need it?

  • Michael Zheng December 13, 2010, 5:00 am

    Congratulations for the anniversary.

    My current goal is building portfolios.

  • Melissa D December 13, 2010, 11:48 am

    Saving for a kitchen remodel. (We’re on track for everything else.)

  • Al400 December 13, 2010, 2:43 pm

    Current priority is to pay down debt. Thanks for the chance to win.

  • Ma December 13, 2010, 2:49 pm

    Trying to pay down my OSAP

  • Justin December 13, 2010, 3:03 pm

    Congrats on the milestone! My current goal is to build my portfolio.

  • Matt December 13, 2010, 3:32 pm

    I’ve been reading for just under a year now.

    My financial plan at current is to build a portfolio over the next year, and then apply the dividends to reducing my student debt.

  • Troy December 13, 2010, 6:09 pm

    Current Priority is Paying down Mortgage, Building an Emergency Fund and buying out vehicle at end of a lease I took over…

  • Rich C December 13, 2010, 8:59 pm

    Congrats on the 4 years.
    I actually just heard about this site a few days ago from a friend. I myself am just learning about investing right now and this is a great starting spot.

  • Carol December 13, 2010, 9:38 pm

    Definitely the priority right now is paying down the mortgage, and taking advantage of RRSP contributions.

  • Henry December 13, 2010, 10:51 pm

    Find a job after graduation.

  • LMD December 14, 2010, 7:23 am

    Congratulations on your fourth anniversary.

    My current financial priority is to reduce the amount of taxes I pay and to establish a realistic retirement plan for myself.

  • Bayman December 14, 2010, 10:51 am

    Priorities: pay down debt and build portfolio in TFSA

  • Jacky Lam December 14, 2010, 2:44 pm

    Congrats on your website! My goal is to save and pay down debt!

  • Gen December 14, 2010, 3:44 pm

    Our current priority is to pay down the mortgage – it’s our only debt!

  • karen December 14, 2010, 7:30 pm

    Get a part-time job to up savings rate.

  • venter December 14, 2010, 7:33 pm

    Find a way to save money for my tax bill :(

  • sandra December 15, 2010, 3:45 pm


    My financial priority is to continue my recently initiated activity of digging myself out of the financial hole that I constructed over many years using bad decision making mixed with a complete lack of financial knowledge and a modicum of stupidity!

  • Erlyn December 15, 2010, 8:35 pm

    I’ve subscribed!

    My current financial priority is to pay down our mortgage.

  • Dustin M December 16, 2010, 12:17 pm

    Enjoy reading your journey and hope to follow it some day always a pleasure. Wouldn’t mind winning something though. always looking to better life with free things.

  • Michael Ketelaars December 16, 2010, 6:51 pm

    My priority is to pay down debt and buy gold/silver stocks

  • angie December 17, 2010, 12:58 am

    My priority is to build back savings after using it to go back to school, and build a portfolio for retirement.

  • Parkston December 17, 2010, 1:55 am

    Congrats. Our goal is to build our investment portfolio and expand our knowledge base.

  • Mike December 17, 2010, 9:30 am

    Great articles, I enjoy this site alot. My goals are to pay down debt while saving. i’m living a pretty frugal life these days paying for my excessive college days.

  • Rob December 17, 2010, 9:52 am

    I’m a mostly new reader. Read a few of your posts from links in other blogs. Lots of good stuff here. Thanks,

  • Benny Siu December 17, 2010, 10:01 am

    current priority, build up my saving

  • kipper December 17, 2010, 10:31 am

    Excellent website!!! Been following it for close to a year now.

    1) Pay off mortgage
    2) Build non-registered investments
    3) Build retirement savings

  • cbez December 17, 2010, 10:44 am

    My priority is to aggressively pay down the mortgage and LOC!

  • Kathryn December 17, 2010, 11:04 am

    Happy Anniversary.

    My priority now is to be fully prepared for retirement — I am anticipating that the date will be in 7-10 years from now and I am looking forward to it.

  • Rob December 17, 2010, 11:23 am

    I want to build a portfolio for retirement.

  • barb December 17, 2010, 12:04 pm

    my goal is to keep lifestyle simple, with the money i have. thanks!

  • sjm December 17, 2010, 12:13 pm

    Congratulations on the anniversary – been a subscriber for a few months, and have followed your blog for a year or two. We are quite a bit further along in life than you, but we got where we are financially with a lot of the same philosophies as you, so we can confirm that they work!

    Currently debt free, and our goal is to build an income-producing portfolio to retire early, since we figure none of our taxes or CPP contributions are going to come back to us!

    Best of luck on your journey.

  • Paul December 17, 2010, 12:22 pm

    Thanks for the great blog! Current financial priority is debt repayment and savings.

  • Ed December 17, 2010, 12:37 pm

    My current priority is to pay down debt.

  • Andrea December 17, 2010, 12:39 pm

    My goal is to pay down my debt

  • Fred December 17, 2010, 12:51 pm

    Focus is on growing net worth…strategically removing debt from the BS and adding equity where possible

  • Glenda Glenday December 17, 2010, 12:53 pm

    Congratulations! My current goal is paying off my mortgage and learning how to invest in dividend stocks. Thanks for a great newsletter!

  • Conrad B December 17, 2010, 12:53 pm

    Max out mine and my wifes TFSA’s. Thanks so much for the hardwork you put on your blog..!

  • Sundev Bal December 17, 2010, 12:55 pm

    Currently building up my emergency fund, so I guess that counts as savings.

  • Gags December 17, 2010, 12:56 pm

    I want to save for retirement. Congrats on your website.

  • GG December 17, 2010, 12:57 pm

    I am trying to pay off my mortgage as quickly as possible.

  • Marianne O December 17, 2010, 12:58 pm

    Current financial priority is writing wills (over the Christmas holiday — festive eh?) and bumping up out RRSP savings for the year.

    Thanks for a great blog!

  • Aaron December 17, 2010, 12:59 pm

    Thank you for this blog. My current goal is to increase equities in order to open up some choices for planned retirement.

  • Philippe December 17, 2010, 1:02 pm

    Priority is to build a level of comfort that finances at retirement will not be only about tightening belts

  • michael December 17, 2010, 1:03 pm

    Congratulations on the anniversary!
    Great service!

  • Michael December 17, 2010, 1:04 pm

    Current Priority is paying off the mortgage, along with using the Smith Manoeuvre to start saving up a nest egg.

  • Larry December 17, 2010, 1:07 pm

    I enjoy reading your articles each morning! My goal is continued growth within my portfolio.

  • Pearl December 17, 2010, 1:11 pm

    Congrats! My priority is to increase my retirement savings.

  • Mike B December 17, 2010, 1:14 pm

    Great job, look forward to reading your blog each day..

  • Maria B. December 17, 2010, 1:21 pm

    Congratulations and thank you for this great blog!
    My current priority is to find a job:)) and then to build portfolio.

  • Shawn December 17, 2010, 1:28 pm

    Tax savings & Build profolio

  • The Passive Income Earner December 17, 2010, 1:38 pm

    Congrats! My goals are to setup my investments to generate income for retirement.

  • Marni December 17, 2010, 1:46 pm

    Hi, I’d love to learn more about the best investments (from a tax perspective & earnings potential) for RRSP’s, TFSA’s and general investment accounts for a person who is self-employed as well as salaried (2 jobs). I’m done with brokers after the debacle of 2008 and interested in doing it myself through a self-directed account, which I’ve already set up with Scotia iTrade. Thanks and Merry Christmas/Happy Holidays!

  • Brian December 17, 2010, 1:51 pm

    Trying to find a balance between mortgage and investments

  • John December 17, 2010, 2:03 pm

    good job and congrats on 4 years!
    financial priority is to increase savings while continuing to pay down debt

  • JL December 17, 2010, 2:04 pm

    signed up thx, current priority is saving $$ for a downpayment and looking for a house in toronto

  • Hemen Modi December 17, 2010, 2:14 pm

    My current priority is to finish our Mortgage at the earliest and to build and independent business…

  • TC December 17, 2010, 2:37 pm

    Great website. I check it every day.
    My goal is to plan and build a retirement portfolio
    Keep up the great work

  • TN December 17, 2010, 2:46 pm

    My priority is to pay off mortgage, save and invest wisely.

  • dorra December 17, 2010, 2:51 pm

    debt debt debt…pay down debt

  • Brett December 17, 2010, 3:00 pm

    Pay off minimal debt and build my portfolio
    Thanks for all the advice!

  • Ho Yee Low December 17, 2010, 3:00 pm

    Great work, always enjoy reading. Current priority is to balance my portfolio as I look toward retirement in about 5-6 years.

  • katrina December 17, 2010, 3:06 pm

    pay down mortgage, happy anniversary mdj! many more years to come!

  • Sarah December 17, 2010, 3:12 pm

    We want to pay down debt too!

  • chris December 17, 2010, 3:23 pm

    save up for a 20%+ down payment on my first place

  • smartcasher December 17, 2010, 3:32 pm

    Current priority is paying down my $160,000 mortgage. Cheers.

  • Mark December 17, 2010, 3:41 pm

    (1) Save for a new fridge (ours is 1950’s and broken); (2) Add a bedroom for baby.

  • Shaun December 17, 2010, 3:43 pm

    1) Pay down my o/s Line of Credit (2) Expand Cottage

  • Lindsay December 17, 2010, 3:48 pm

    Build portfolio and generate a $10 K surplus income. Thanks for all the great info!

  • Ken December 17, 2010, 4:01 pm

    Currently, paying off debts. Start a DIY account for trading.

  • Jamie December 17, 2010, 4:17 pm

    Love the blog, thanks. My current financial priority is a combination of paying of the mortgage as fast as possible (8 yrs instead of 25!) while still building a retirement (RRSP + TFSA) portfolio. Balance!

  • Gene Wesley December 17, 2010, 4:18 pm

    Current Financial Priorities:

    1. Being Frugal in every way possible
    2. Gaining rewards wherever possible
    3. Building and Emergency Fund and supplies
    4. Building recession-proof investments
    5, Paying off Mortgage
    6. Retirement.

  • Gaurav December 17, 2010, 4:21 pm

    I would like to pay down my school. Just finishing up my undergrad.

  • Solowoman December 17, 2010, 4:43 pm

    Hey MDJ
    Happy anniversary!
    This blog has provided a valuable resource to so many – thankyou!! I’m building my portfolio & paying down my mortgage.

  • Tighe December 17, 2010, 4:58 pm

    Joined the list! My priority is to save for 3D animation school.

  • Bob Medlock December 17, 2010, 5:05 pm

    Congrats on your four years

  • Big-D December 17, 2010, 5:53 pm

    Gaining wealth for early retirement.

  • Gaurav Rajasekar December 17, 2010, 6:11 pm

    Well my priority currently is and has always been first and foremost to pay off any debt I have – especially if its student debt.

    Happy anniversary. And I’ve subscribed to your mail updates with this very same e-mail ID too.

  • Kelly Clark December 17, 2010, 6:16 pm

    We have managed to pay down all non-mortgage debt, mostly by being discriminating about acquiring it to begin with. So, our current financial priority is paying down our mortgage in order to emass enough equity to allow us to invest in other property (for investment & hopefully one day recreational).
    That being said, we do not totally ignore either our savings nor retirement investing. We contribute monthly to RRSPs & a TFSA. The TFSA is our “emergency fund” & the RRSPs are a back-up strategy, if our property investment strategy does not turn as high of returns as we require to retire on.

  • Peter December 17, 2010, 6:20 pm

    My current goal is to pay off debt.

  • Kel December 17, 2010, 6:33 pm

    Build up portfolio so I can retire earlier.

  • Michael December 17, 2010, 7:05 pm

    I would like to pay down debt

  • red December 17, 2010, 7:17 pm

    Our current priorities are to pay down debt and accumulate savings for our retirement!

  • Jube December 17, 2010, 7:18 pm

    My priority is to save for retirement

  • Tearglove December 17, 2010, 7:19 pm

    Build portfolio

  • Dave December 17, 2010, 7:23 pm

    Whew, that’s a lot of people. I’m currently working on expanding my portfolio, hoping to make some money for university with it.

  • Andrew Newby December 17, 2010, 7:26 pm

    Saving, saving, saving!

  • kristy December 17, 2010, 8:09 pm

    thanks all the tips and info have been great

  • rob_23 December 17, 2010, 8:16 pm

    Saving for my first house down payment

  • John December 17, 2010, 9:00 pm

    Congrats of 4 years :D

    I think I’ve completed my goal of building up an emergency fund these past two years, so it’s time to start investing so that my money works for me. I also need to open up an RRSP; I hear all kids on here are doing that these days >___>

    I don’t make much, but I hope I can become a millionaire too someday. Maybe a little slower than you, but surely ;p

  • Rocky Martin December 17, 2010, 9:32 pm

    My current priorities are to build my stock portfolio and pay off my car loan.

    Great Site. Keep up the good work.


  • Nav December 17, 2010, 10:01 pm

    Priority – pay off student debt (OSAP!)

  • Bhaskar Naik December 17, 2010, 10:45 pm

    My name is Bhaskar and I came across your blog only recently. Per your recommendation have started using Questrade. Priority is to save enough to be able to retire early — by 60.

  • Susan December 17, 2010, 11:50 pm

    I am trying to eliminate debt with Dave Ramsey. Also working on building my business net profit margin.


  • Moben December 18, 2010, 12:30 am

    Increase portfolio

  • MrSmith December 18, 2010, 12:47 am

    Congrats on 4yrs.

    My financial goals are to pay off my mortgage and to build my personal finance knowledge up.

  • Abdul Nuray December 18, 2010, 1:27 am

    Current goal is to pay down mortgage.

  • Peter B December 18, 2010, 1:27 am

    Congratulations. Count me in.

  • Barry December 18, 2010, 2:42 am

    pay off mortgage as fast as i can

  • mary December 18, 2010, 2:50 am

    I’d like to open a discount brokerage account to start investing

  • Chris December 18, 2010, 3:30 am

    Congrats on the 4 years. I’m working on building passive income, and paying down my mortgage.

  • Lucie December 18, 2010, 4:19 am

    C O N G R A T U L A T I O N S ! !

    WOW!! Already 4 years… thanks for the wonderful journey.

    Financial goals & Priorities: Add more DRIPs to my portfolio, help pay for my kids education, max out on my TFSA, purchase another income property.

    Thanks for all your wisdom!

    Here’s to good health and happiness always… Cheers!

  • Lucie December 18, 2010, 4:23 am


    Financial priorities:

    1) Continue to add more DRIPS to my portfolio.
    2) Help pay for kids education.
    3) Max out on my TFSA
    4) Purchase another income property.

    Thanks for the wonderful journey… CHEERS!

  • Richard December 18, 2010, 4:51 am

    build diversified portfolio to achieve average or better return.

  • Jennifer Murphy December 18, 2010, 10:00 am

    Pay down new Mortgage by 20 % in 3 years.

  • edward December 18, 2010, 10:27 am

    Trying to pay off my student debts and accumulate some savings to help with either my first car or a down payment on a house

  • Joyce @Joyful Creations at Home December 18, 2010, 11:11 am

    Awesome giveaway! I am a new subscriber and we are working to pay off our mortgage!

  • Marc December 18, 2010, 1:25 pm

    Long live MDJ!

    Priority is building portfolio and “bad debt” repayment

  • Dianna G December 18, 2010, 1:26 pm

    my goal is to save up enough for a home

  • Maxime December 18, 2010, 1:39 pm

    My priority is to save for retirement.

  • steve December 18, 2010, 2:33 pm

    Congratulations on four years, but more importantly getting your financial house in order. Doesn’t it feel good? You should apply to be the Finance Minister.

  • Chris December 18, 2010, 2:52 pm

    Congratulations on the anniversary. I’ve been following you for a few years. My current goal is to pay off the mortgage. Probably done within 5 years.

  • OBK December 18, 2010, 4:29 pm

    Happy anniversary :) Current goals: keep burning the mortgage and saving for a future mat leave!

  • Mallory December 18, 2010, 4:39 pm

    My current goal is to start investments and retirement savings. I like visiting this blog as all of the saving strategies books I have read are either out-of-date or not Canadian. Congratulations on four years of useful advice.

  • Khrys December 18, 2010, 4:55 pm

    Happy anniversary!!!
    My current goal is to build enough passive income & capital to retire young and invest full time, and teach my friends and family how to become independent investors too.

  • Eric December 18, 2010, 10:07 pm

    Hope I’m not to late

  • Eric December 18, 2010, 10:18 pm

    goal is to Pay off mtg by 2021 and have portfolio that brings in $2000 / mth

  • TK December 19, 2010, 1:31 am

    need to increase income through pay or investment return. wish me luck!

  • J P December 19, 2010, 2:23 am

    Current goal? Retire early! :) But what does retire mean, that’s for another day.

  • Fishhy December 19, 2010, 10:40 am

    Pay off Mortgage, Build Retirement Portfolio

  • Ivan Saley December 19, 2010, 12:12 pm

    Want to build my portfolio.

  • Andrea December 19, 2010, 6:39 pm

    My goal it to pay off my credit cards and become debt free by the end of next year.

  • Ken December 19, 2010, 9:00 pm

    Signed up. Great site. My goal is wealth accumulation.

  • warren December 19, 2010, 10:50 pm

    Doing well. Thanks to advice from MDJ

  • Jay Patel December 20, 2010, 1:49 am

    Current goal is to make enough money to survive

  • Ron December 20, 2010, 12:09 pm

    To continuously increase my net worth, and have enough for a good retirement.

    Excellent site.

  • melissa December 21, 2010, 6:08 pm

    Congrats on the anniversary and thanks for this giveaway.

    My goal – pay off the mortgage, then travel!

  • Greg December 21, 2010, 8:15 pm

    Congratulations on the 4 years.

    Current priority is to start learning about the path I should take on my own finical journey.

  • Lisa December 23, 2010, 9:13 pm

    Curious who won…don’t see it anywhere??

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