I just finished you book. , BTW, am I correct in thinking you are African American? Many thanks! Its not the assets themselves that is the issue, its how they are held. Last year I gave my college kiddo a copy of your book The Simple Path to wealth. A lot of it is due to a temporary stress of going through an annoying and expensive divorce but much all has to do with my lack of financial awareness. Any thoughts would be immensely appreciated. #1 Simple Path to Wealth by JL Collins. My sense is we all have emotional issues around money, they just differ. Your pride encourages it. I would also love to see a post where you shared more resources like MMM and other FI, outspoken, intelligent writers. Do we manage our own HSA investments or do we have to get a 3rd party? Five percent, 6%, even 7% withdrawal rates were successful on many of those occasions. . Like we have at 43 only 2 years ago. Anyhow, do you think its OK to borrow for school tuition as its an investment and I dont want to cash in my investments. Tony Vogel Of course, in today's world, it's a lot easier to take the equity out of your house. Instead, the Stock Market Game captures teens attention but not the lessons they need to learn about investing. You are doing good in the world. Youll also find how I personally approach this issue. Hope this email finds you well. Thanks. GBP or ZAR in 2008. Thanks for the kind words and for passing my book along. Nice work so far on the blog. One way I personally handle this question of ethics is I invest in Vanguard Total Stock index and then I contribute to causes I think are worth and let them do the heavy lifting. But as you go out three years, that percentage drops, and by the time you go out 30 years, there's less than 1%, which is statistically zero. I hope you keep writing! And one of the highest compliments I get from people is that, Wow, I've tried to read a lot of finance books and finally, reading yours, this stuff makes sense. So, that's who I'm writing for. I work for a 401k company and teach doctors/nurses/housekeepers at some big hospital systems about how money works. If I own a treasury issued by the United States government that is good for 10 years and pays a 3% yield, I can be assured that I will earn my 3% coupon every year for 10 years and then receive my initial investment back at the end of the term (unless the government goes away or defaults and we have a much larger problem). thank you very much for sharing your investment advice. If yes, could you send us the PDF for further review? Their average age is 25 and the money they earn sits in bank accounts earning nothing. Hopefully this one doesnt. Something to add if you ever do a new edition of the book is to point out that your (home) currency is not a reliable arbiter of wealth. Ive read through your entire blog and recently read your book (within 5 hours). I am reading your book and plan on purchasing a few to give to my adult kids. You may read my thoughts about it ..glad you made your way here and very glad somebody is teaching HS kids personal finance! We piled money into tax-advantaged accounts (401k and Roth IRA). And we split the $5,000 and put it in each of those two stocks. She is the daughter of Phil Collins and his second wife Jill Tavelman. If so, is it a good idea to wait buying stocks till market drops such as these occur? So, far in a way number one. The stock market return as the best investment is valid in either nominal or real dollars, but you address the difference. Feel free to email me directly. Once the debt is gone use the discipline to channel that money into your investments and watch your wealth grow just as you watched your debt fade. And maybe if you bought a house today in San Francisco, 20 years from now, for some reason San Francisco declines and becomes the next Detroit. . My job was designing substations for the power grid. Fully max out these before any 529 plans. Just take a look at the S&P500 i.t.o. I just purchased your book and read it all in one sitting it was a fascinating read that pulled together a lot of great thinking for me, and helped me to clarify my own path to FI. I dont want money ou attention, just spread the info in my country. . At the very beginning of our conversation, I mentioned that I found my way wandering in the wilderness basically. And since 2011, the markets have done almost nothing but go up. Im writing here not only to thank you, but to ask a question (and I couldnt find where else I could send this ) I write stories in my spare (and not so spare) time, and Ive created a character that is most definitely inspired by you and your blog. No one had taught her how to approach money. What types of bonds? This is especially important because these documents provide information about fees, advisor education, and investment policies. My best calculation is that dollar cost averaging into the S&P between 1999 and 2009 yielded an annualized 1.6% rate of return for me. In all your articles, you talk about the Vanguard index funds you recommend, but never mention why you prefer those over the corresponding ETF, even if they have the same expense ratio. Thank you for all of your work Jim, it certainly has not fallen on deaf ears. Any money invested wouldve appreciated, quick. I am curious how you would deal with this? I am 27 years old so time is on my side. I'm sure I'm missing some other great ones, and my apologies to those authors. That is for you to decide, once you have learned enough to make an informed decision. I am grateful for your teaching and writing. We have a high deductible health care plan where we pay $650 per month out of pocket for insurance. There was a time when this was not consistent but is now. I am grateful to you. It says Opps, instead of Oops. But I think that if you are young and your goal is to achieve financial independence, one of the key things you want to do is keep your housing expenses as low as possible. VTI is the ETF version of VTSAX, the fund I recommend. I looked into dividend growth investing, but a 50+ stock portfolio was a full time job. Just getting into investing, though. This has been discussed elsewhere on the blog and I believe I have all the relevant posts updated, but if you spot one Ive missed please let me know. Optimal Finance Daily is the podcast where youd be narrated the most frequently. Thank you for being there and whether or not you read this, thank you for writing your book. The index tracks the stock market not how much money is put into vtsax. And dumbly, I sold it. Ive recently looked back and I can say, Im disappointed at the results. I myself am 42 yrs old and just coming out the other end of a nasty divorce, I made a bad relationship decision which cost me financiallymy ex got the house as he earned more but I was happy to let that go. Its free and worth twice as much. Privacy Policy and http://www.marketwatch.com/story/this-bull-market-could-be-here-to-stay-2017-05-17. and the taxman cometh. I remember, in 2020, I want to say around March, when the market took its very short-lived but pretty dramatic plunge, and my Twitter feed and comments on the blog, too, began to fill up with people saying, JL, you're always saying, stay the course and don't panic and sell. But this time it's different. Because if the market goes up, that means that every additional amount of money you put in, you're going to get fewer shares for that. So there we have it the whole world knows I have DEBT and they know my life story if they've made it through this late night rant. Im not sure whether to be flattered or terrified. She sees how excited I get, and loves that I am really planning for the first time in my life. You are young, debt free and love to save: A great base from which to build. I well remember the Janus funds and was invested in a couple back in the days when I was investing in individual stocks and actively managed funds. but would still like your feedback. Just wanted to let you know, I included The Simple Path to Wealth in my newsletter last week as one of my favorite finds of 2020: https://mailchi.mp/2fc5cbd47559/queen-of-valley-city-recorded-in-quarantine-out-now-records-masks-and-more, I know what youre thinking, a book about investing? Great Value. And, if youll be a FinCon, please introduce yourself. So, that's a new expense and tends to be a big one. Great to hear it has reinforced your thinking. Statistically, zero. Mr. Collins is currently traveling and unable to respond just now. A home is where you live.. For any of you interested, heres what I sent Mike: http://27goodthings.com/2013/07/01/james-collins/. Hope you are your family are having a safe and healthy year so far! I would be delighted to have you interview me and Im honored youd ask. Collins: That's an interesting question, Jeff. Many ethical funds advertise their avoidance of porn companies however Im unaware of any even in the S&P 500. . And this may be a warning to others, life is always unexpected and doesnt always turn out how you hope. This is Hyelim Bae from Sam & Parkers, the publishing house in South Korea. I look forward to exploring this site further! Also, Hi Mr. Collins. Just read your 2011 piece on the Spitfire, very entertaining! So, though I managed to do decent, the S&P still beat me! I have been wanting to write for a long time, I hope all is well with you. My plan is to choose to work as an investing research analyst after early retirement. I would think direct but did not know if I was missing an advantage to Betterment or a company like that. How nice it is to have come across someone that has the same feelings regarding the one fund (VTSAX), no additional international, and bond strategy (NONE for me). I will offer two seemingly contradictory suggestions and some comments. I would greatly appreciate your view on my article: http://tenfactorialrocks.com/how-to-invest-efficiently/. Couldnt agree more with renting- 1. Get an IRA going planning on re reading that section again. Happy Birthday, jlcollinsnh; and thanks for the gift Mr. MM! What advice do you have for moving old employer 401ks into my IRA amid these coronavirus times? But what I do blame myself for is a college buddy of mine in the mid-80s, who was an analyst with Duff & Phelps, introduced me to the concept of index funds. The views and opinions of guests on this program are not necessarily those of Morningstar, Inc. and its affiliates. Thanks for your interest, but I do not accept paid postings. . Hi Jim, Good afternoon, I bought your book, The Simple Path To Wealth and I took your advice and invested $25,000 in the VTSAX through TDAmeritrade. I started my blog in 2011. If you total living expenses is 13,000 per year then you multiply 2513,000 = 325,000. the second way, With the same samples, If you have $1,250,000 then you just multiply by 0.04. Ive read a ton of books on personal finance, investing & money, but theres ONE book I always recommend to others when asked which one my favourite is Simple Path to Wealth is just without a doubt the first book I punt! Maybe the real wage growth flows into products or new versions of products which no one really needs? I almost didnt make it and am very happy I did. No need to post this mate. Jim, Id like to invite you to a speaking engagement with a personal finance club in the greater DC area in early September. Do you have any suggestions in our case. I then became a Janus Fund disciple until it was run into the ground in the DotCom crash. I worked with a great team and was super comfortable at work, maybe even a little bored at times. Im 30 and didnt get my first real-money job until 2013. . Thanks for your help. I contribute 1000 monthly. Again I think your argument is still valid, but this is a mitigating factor that should be addressed. Thank you. Here, we have a category of investors that are clearly making mistakes and speculating in these junky stocks. Thank you so much. Reading your notes for your daughter was quite emotional, made me wish I had a mentor like you when I was her age, I wouldnt have done the many mistakes I did. Hope you enjoy poking around. Then when I herd you are a NH man also, that was a huge plus My question is Vangaurd direct or Betterment. So, I don't know the answer. Justin. They'll pick different locations in the United States and they'll show a picture of a house you can buy in Tennessee for $1 million versus Florida versus California versus New York. NO MORE doubting myself, you have solidified my strategy once and for all. I know I shouldnt, because thatd be betting on the market going down, which is on average a bad bet. Thank you, March 13, 2020 was a good time to be buying Vtsax as it was around $60. One question if you have time. Made 18% in six months and thought Id wait for the stocks to stop falling. But that was over in a month or six weeks or something. Uploaded by: Ana Skywalker. its a difference of $16,639.08 per year ( $1,386.59 per month). You are my hero! Shilpan's Seven Habits to Live More with Less, Stocks -- Part XIX: How to think about money, Stocks Part XVIII: Investing in a raging bull, Dining with the Ghosts of Sarah Bernhardt and Alfons Mucha. However, we can tell you the site does not accept sponsored posts. But what about for people who are closer to drawdown or financial independence--whatever you want to call it--who do come into a large sum of money? for the comprehensive review and insights. That is 6.8 and 6.1 TWRR respectively. I recently started reading your website. Thank you very much and I hope to hear from you soon! Our investment management business generates asset-based fees, which are calculated as a percentage of assets under management. Could someone explain how this mutual fund works in regards to this topic? Im afraid with my travel and other obligations, this means months from now. And .. as you said in your book, if you suddenly sell 5000 copies to Vanguard, I will expect my 15% cut. My situation is unique in that Im a South African living in Vietnam and as such I trade on a Singaporean platform. The author and financial blogger discusses why less is more in investing and his controversial take that homeownership often doesn't add up financially. Im afraid I know nothing about the Indian markets. That's one of the reasons we work hard and save and invest money. ls improving . We want to help our fellow students be prepared for the future. I noticed you commented frequently over there and its one of my favorite blogs. Such opinions are subject to change. ( I realize that if I did max-out my pre-tax contribution it would put my taxable income about at the 12% tax bracket threshold.) This week i read you book and loved. JL Collins wrote his book The Simple Path to Wealth for his daughter (it started off as a series of letters to his daughter about money and investing) and then it turned into a blog in 2011 and then it turned into this book that was published in 2016. Reviewing the comments on my post of April 1st, Why I will no longer be writing this blog. Consignment Shops: Best business model ever? Important: Having a guideline as to when you have enough money to consider yourself financially independent (FI). clients. Moonman T1 Transparent Acrylic Grey Metal Fountain Pen Piston F Nib Writing #sd, Wild Strawberry Pattern New Old Stock Details about Vintage Tuttle Press Beverage Napkins, 1.5 sq inch Piece of the Berlin Wall w/Acrylic Stand & COA 1 One. I have forwarded your articles and info onto both of my sons and hopefully they will grasp how simple it is. Would you be interested in coming on board as an affiliate partner? He got into blogging when he realized, considering his family historywhich showed the men usually died after three score years and some change he may not live long enough to teach his grandchildren what he wanted to teach them about life and money. Hello JL! The only reason to consider either is if you have dependents who rely upon your income. New Years goal is to cook in the van even more and eat out less! , Translation Rights Inquiry: THE SIMPLE PATH TO WEALTH by J L Collins. Amazing! Ive read dozens of finances books, but you and Kristy change our familys fate, for which we are deeply grateful. Crashes are a normal part of the process. You have a simple concept and explain it very well. My response was The Simple Path to Wealth is all anyone needs and I sent him a copy. Using the Search button might very well provide your answer. . Or should I keep it with Fidelity and invest in FZROX? 13:47-17:46 Great things take timethree years to be exact. So, my main thought was watching this is theres going to be a lot of tears for a lot of people. Thanks for everything. They are only making Collins index fund greater so that he will never have to work. Unfortunately thats not how it works. I thank you for this greatly. You can't become wealthy if you spend every dime that comes into your possession. Sounds like a great mission. any guidance on this or any lead that i can follow? They decided to get serious about their savings goals and committed to building a portfolio of at least $1 million by February 2017, 1,500 days later, in order to retire at age 43. No he didnt, but I told him, if he didnt read it and pass it on to his boss by next week, when we talk, I would go to Fidelity with my money he laughed but said he would read it this weekend. You first have to make some basic lifestyle decisions. My guess is likely not. What are a couple of the other key precepts that run through that Simple Path to Wealth? I really resonate with your book, and I need someone to help guide me in the right direction. Stocks Part XIV: Deflation, the ugly escort of Depressions. Not late at all, WE. Rather, he does a good job of making you aware of how much you can lose. I will wait till you come back. VTSAX since 2000 seems to have averaged around 7.8% (maybe I got this wrong). Which of those things is more likely? Nice to hear from you and glad to know how well things turned out. Case Study #10: Should Josiah buy his parents a house? I would love for you to appear as a guest as I believe you have great insights to offer others and our generation could take a lot from your experiences. Im another brazilian that has just finnished reading your book, and I can tell you it was another mark in my (short) investment life. Maximized 401K etc. Do you consider FAs that are have fiduciary responsiblity in the same bucket as the others? You just need to get a couple of simple things right and let time and your money work for you. Hi Jim, Pavlin Yakimov. I've seen it as buying something that's more important. Speaking for myself, as I am allergic to debt, I would not borrow the money. In addition, if I do decide to take the lump sum of $200,000 it will be taxed. Some asides: Hey, gimme a break. But Few read english. So, it was just critically important to me that somehow I convey this information to her. Hi Jim, And I think with the idea that there is a sense in some quarters that this whole pursuing financial independence somehow isn't available to African Americans and their book talks about why it is and how it is, and it does a great job. 17:47-23:40 J.L.'s advice on investing: the simple things are the most worth it. Stocks Part XXI: Investing with Vanguard for Europeans, Case Study #7: What it looks like when everything financial goes wrong, 1st Annual Louis Rukeyser Memorial Market Prediction Contest 2013 results, and my forecast for 2014, Closing up for the Holidays, see you in 2014, Case Study 6: Helping an ill and elderly parent, Stocks -- Part XX: Early Retirement Withdrawal Strategies and Roth Conversion Ladders from a Mad Fientist, Death, Taxes, Estate Plans, Probate and Prob8, Case Study #5: Zero to 2.6 million in 25 years. For some people buying a house IS the right emotional decision and so long as they are cognizant of the associated cost there is no intrinsically right or wrong choice. Therefor I ask your permission to publish a blog with most of Stock Series translated to Hebrew, keeping your full credit. I love the content here on the site and am buying your book this afternoon. I set out to start my own company Tiny Watts Solar and have since replaced my corporate salary and more recently even obtained health insurance ; ) An HSA with a high deductible ; ) Excited to use that too its fullest once I learn more on how to use it. I am sure I am going to go with vanguard. Read every post in the stock series. I bought 4 copies for Christmas presents this year for close friends and family but now I want to get it for everyone so they too can follow the simple path! I first ended up here because I was looking at purchasing some Vanguard funds (one to start a Roth IRA for my wife ended up with VTIVX, another to throw in some money we probably wont need for another 3 years or more ended up with VBIAX) and got sidetracked. . It has sold over 400,000 copies and has been published in Korean, Japanese and German. Well also pay cash so that comes to ($xxx 20%). Then we learned that if we invested a certain dollar amount with American, we would pay no sales charges. Exciting! The Trinity Study and Portfolio Success Rates, StocksPart XXVII: Why I Don't Like Dollar Cost Averaging. I also reallocated my investments into three low-cost index funds rather than the conservative TRF Ive been using for the past 4 years. I have tried to find answers through posting on message boards and reading others threads, Enjoy a great reading experience when you buy the Kindle edition of this book. Download The Simple Path to Wealth PDF book free by J.L. No time frame, some guests have a list created in a few days, others take a few weeks. Im a huge fan now. So, not only does she not have to worry about those market drops, they can work in her favor. Dear Mr Collins, Develop Your Skills and Talents By Shawn Jenkins and Jonathan Mendonsa Shawn Have you ever considered your career to be like a brokerage account for financial freedom? Courtesy Rory Green We are often asked what it was like growing up as the daughters of Jackie Collins. Peace When I married my wife 4 years ago, she had an incredible amount of high-interest debt from years of bad money-management and putting degrees on credit cards. I do not see the ideas on this blog or in my book as being targeted to a particular age group. My question arises from the fact that historically the markets tend to correct quite a bit during interest rate hikes..or does it simply not matter considering a long-term view? Firstly, this site is a real gem. Hey Jim I pushed too hard, too early. That said, while doing some reading online I came across the Berkshire Hathaway annual report https://www.berkshirehathaway.com/2020ar/2020ar.pdf and it made me wonder why not just invest in BRKB shares? I went about this FI stuff in a different way (I grew up in Cicero and after college spent the 80s bouncing around different fun jobs like park ranger). Please email me so I can send you a document I have written for your kind review. Since Im thinking to publish/submit to a contest/do something that will put it for public ridicule/scrutiny the story he appears, I thought it best to ask for your permission. I went from what am I supposed to do with this growing pile of lazy cash? to My Stock/bond allocation will be xx/(1-xx), and total market funds only, since I want both value and growth.. And then, there's Quit Like A Millionaire, Kristy Shen's book, a great inspirational book. As for Mr. Chesterton, I decided to use his appearance because really liked his Father Brown detective stories, and because Mr. Chesterton has a very easy to describe physique . Buy this book on Amazon (Highly recommend) Having F-You money is so true. ? I know you mentioned Jack Bogle earlier. I would like your opinion on something. 2. If you are interested in my ideas, they are all laid out here in the blog and in my book. While I know nothing about investing options in other countries, the principles are the same: Keep it simple, broad based and low cost. Publisher: CreateSpace Independent Publishing Platform; 1 edition (June 18, 2016) If I invest $5500 into it, does that mean I can deduct that from my annual taxes. I will forward your contact info to my agent. Hello- I just started your book The Simple Path. Most of these are industries I dont feel comfortable supporting, even though I have been by owning so much VTSAX. 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Watching this is theres going to be a warning to others, life is always unexpected and doesnt turn... Are industries I dont want money ou jl collins daughter, just spread the in!
