Helping Canadians with Personal Finance Since 2006
Learn how to save money, build an investment portfolio, and become financially independent - from a middle-class Canadian who has actually done it!
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Most Recent Articles
Should You Buy VBAL ETF? My VBAL Review
The Vanguard Balanced ETF (VBAL) represents the fulfillment of the original promise behind ETFs when they first emerged three decades ago: a simple, low-cost way…
Buying Fractional Shares in Canada
Buying fractional shares is an excellent way to get exposure to Canadian All-Stars like Constellation Software without having to toss down more than $4,000 just…
VGRO ETF 2025 Review
If you’re looking for a simple way to diversify your portfolio, ETFs are a great place to start. New to ETF investing? Check out our…
The Best Mutual Funds in Canada (and why you should avoid them)
Despite the fact that they’re a pretty bad way to invest money, I still get a ton of questions about where to go to find…
ZGRO ETF Review
All-in-One ETFs offer investors a simple and cost-effective way to buy stocks from thousands of companies through a single investment. Since their debut in Canada,…
Best GIC Rates in Canada – May 2025
With the Bank of Canada hinting at possible rate cuts in 2025 – and with Trump’s tariffs lurking on the horizon – it’s looking more…
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About Us
Thanks for Stopping By...
If you're new around here, I go by Frugal Trader and I started this site back in 2006 to set goals for myself and track my learning progress. Over the last fourteen years, I've publicly shared my path to financial freedom, from what discount brokerages and high interest savings accounts I use, to the unique ways I've found to save money.
The Million Dollar Journey team is proud to now include writers from all across Canada, representing a diverse array of backgrounds and unique points of view.
If you want to learn more about me and my team, check out our About Page. If you want to learn more about Canadian money stuff like RRSPs, TFSAs, and daily savings tips, start with our Financial Freedom 101 section. Finally, if you want to receive the free eBook I recently wrote about how to organize your Canadian life and portfolio for retirement at any age, simply sign up below.
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Highest Rated Product Reviews
Qtrade Review 2025 – Canada’s Best Broker
Current Qtrade New Customer Promotion Qtrade currently has the best cash-back offer…
Questrade Review 2025
Is Questrade Safe & Secure? One of the most common questions that…
Wealthsimple Review 2025
What is Wealthsimple? Wealthsimple was founded back in 2014 by Michael Katchen,…
EQ Bank Review 2025
EQ Bank Account Options and Interest Rates Account Type Interest Rate Best…
Dividend Stocks Rock Review 2025
Investing on your own is not an easy task. From mutual funds…
Neo Financial Mastercard Review 2025
The new Neo Financial Mastercard or “Neo MastercardTM” is the next big…
Justwealth Review 2025
Why Justwealth? As I’ve updated my Justwealth review over the years, they…
Community is everything.
Million Dollar Journey.com began back in 2006, and boasts nearly 50,000 comments. Benefit from their collective wisdom and read what our community has to say about Canadian finance in 2025.
I don’t quite understand the need for a readvanceable mortgage? We’ve owned our home for a few years now. If…
May 1, 2025 on post Ultimate Smith Manoeuvre Guide For CanadiansThanks for the detailed posting. Would you still consider this list to be appropriate for the current environment, or would…
April 23, 2025 on post 49 Best ETFs in Canada – April 2025Thanks Kyle! I am curious what you think about investing in all in one ETFs like VGRO or VEQT and…
April 23, 2025 on post Best All-in-One ETFs in Canada 2025I wouldn’t pay much attention to per-unit prices Ekta. Those are just a product of how many “slices” or “pieces”…
April 21, 2025 on post Best All-in-One ETFs in Canada 2025Yes – Jane would keep that room and could “pick away” as you say Rando!
April 21, 2025 on post TFSA Contribution Room In 2025 + TFSA Rules and LimitsHello FT , In regards to the above mentioned scenario “If instead of a car, Jane had sold all of…
April 18, 2025 on post TFSA Contribution Room In 2025 + TFSA Rules and LimitsThanks, I guess the dividend is great with VDY, but I do want to be diversified. What boggles me is…
April 14, 2025 on post Best All-in-One ETFs in Canada 2025That’s harder to do than a person might think Brent. The reason being that those last 18 months can throw…
April 14, 2025 on post Safe Retirement Withdrawal Rate Strategies in Canada
Final notes for your journey
Get free instant access to our #1 article each week!
We've got a ton of information here , and after helping thousands of Canadians get started over the years, I know the information overload can be a bit intimidating.
Every journey begins with just a small step! If you are unsure where to start, check out these index investing strategies or Canadian dividends guide, two of my most useful money making methods over the years. Or read my net worth updates to see exactly what I did to reach the million dollar mark.
Be good with your money and thanks for being a part of the MDJ Community. Don't forget to sign up below so that you'll get our "Monday Morning Coffee" email that will fill you in on the writing we have done that week.
- FT and the Million Dollar Journey Crew
dave
Back in the 90’s I used to invest with a major Canadian mutual fund company. Once our sales representative was…
May 12, 2025 on post The Best Mutual Funds in Canada (and why you should avoid them)