shouldiuse.io

VERDICT

Should I use Million Dollar Journey?

Follow my journey to $1M in net worth by the age of 35. Wealth building tips including tax minimization, frugal living, index and dividend investing. - milliondollarjourney.com

Depends. Free, long-running Canadian personal finance blog worth reading if you're a Canadian DIY investor; treat its reviews as affiliate-funded education, not advice. Skip it entirely if you live outside Canada or want personalized, licensed guidance.

Confidence

Medium. Based on ~20 public sources; this is a free blog, not software, so fit is judged as a reading resource.

Ratings

  • Value for money
  • Ease of useNo evidence reviewed
  • Feature depthNo evidence reviewed
  • Support qualityNo evidence reviewed
  • Security postureNo evidence reviewed

Pricing

Not disclosed

ModelNot disclosed
Monthly feesNot disclosed
HardwareNot disclosed
Free tierYes

Best for

  • Canadian DIY investors
  • Index/ETF beginners
  • Readers comparing Canadian brokers and robo-advisors
  • Frugal-living followers

Not for

  • US or non-Canadian readers — tax and account advice won't transfer
  • Anyone expecting personalized, licensed financial advice
  • People wanting tools or apps — it's articles, not software
  • Beginners uncomfortable that reviews are sponsor-funded

Gotchas - check before you buy

high

Smith Manoeuvre content involves borrowing to invest; risky if followed blindly.

medium

Affiliate model: broker and robo-advisor reviews double as referrals to partners like Qtrade.

medium

Tax and account recommendations (RRSP, TFSA) are Canada-only and time-sensitive.

low

Carries a disclaimer that content isn't financial advice; do your own diligence.

Pros and cons

Pros

  • Free, deep archive of Canadian investing and frugality articles
  • 60,000+ subscriber audience; recognized by Qtrade for reviews
  • Covers robo-advisors, brokers, GIC rates, ETFs like XEQT
  • Founder publicly hit his $1M net worth goal

Cons

  • Strictly Canada-focused content
  • Reviews sit alongside sponsor logos like Simplii Financial
  • Opinion and education, not licensed personalized advice
  • Promotes leveraged strategies like the Smith Manoeuvre

Sources & method

Analyzed 9/21/2026 - 9 sources - No known vulnerabilities found in the sources reviewed.

official x4review x3news x2

Key stats

  • Value for money: 4/5

    Rating

  • Not disclosed

    Starting price

  • 9

    Sources

  • Analyzed

  • Value for money: 4/5. Free to read; affiliate-funded
  • Ease of use. No evidence reviewed
  • Feature depth. No evidence reviewed
  • Support quality. No evidence reviewed
  • Security posture. No evidence reviewed
  • Free Price Blog, no paywall
  • 60,000+ Subscribers Per its About page
  • $1M by 35 Track record Goal hit, covered by Globe and Mail in 2014

Pricing

Free tier: Yes

Security

No known vulnerabilities found in the sources reviewed.

Alternatives

Compare Million Dollar Journey with each alternative.

Full analysis

Based on ~20 public sources; this is a free blog, not software, so fit is judged as a reading resource.

Free Canadian money blog: solid education for DIY investors, affiliate-funded reviews, near-useless outside Canada.

Methodology

Based on ~20 public sources; this is a free blog, not software, so fit is judged as a reading resource.

Sources

  1. Million Dollar Journey homepagemilliondollarjourney.com
    official
  2. About Us - MillionDollarJourney.commilliondollarjourney.com
    official
  3. Disclaimer/Privacymilliondollarjourney.com
    official
  4. Qtrade scores top marks from Million Dollar Journeyqtrade.ca
    news
  5. Million Dollar Journey's Review of Wealthsimplethenewsprint.co
    review
  6. Carrick on money: 35-year-old completes his million dollar journeytheglobeandmail.com
    news
  7. Rational Reminder podcast, Ep. 11rationalreminder.ca
    review
  8. Reddit r/PersonalFinanceCanada on Smith Manoeuvrereddit.com
    review
  9. MillionDollarJourney on Xx.com
    official

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