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I got a later start on my Million Dollar Journey (MDJ) mainly because it took me until age 30 to figure out what I wanted to be when I grew up.The year I started making my first real income, I also got married.

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All of a sudden I had better bargaining power and better service.

It seemed like my business mattered more to my bank. I don’t subscribe to any financial-related publications and services except two: the Canadian Money Saver ( and the Canadian Share Owners Association (

The most recent milestone happened in 2013 – our NW increased by $1M; well $949,722 to be exact.

That breaks out as 50K savings, about $170K in dividend income, and the balance in unrealized capital gains.

After working (we’re educators) and investing for about 20 years, working, which I still do, is now an option.