Glad the book has helped. So, I'm not a fan. Looking to do a 60 equity to 30 bond to 10 REIT mix. Maybe you should read through his posts or book. I will be calling Canada home soon which is why Ive opted to trade on the TSE. And I think it's certainly a great book for African Americans to read but a great book, I would say, for anybody who was thinking about following a path like this and is wondering, Is somebody with my background that doesn't feel like it's typical, can I really do this? So, that's another one. I have a chapter in the book called the unacceptable burden. I am a big fan of yours and have been hearing you in various podcasts and interviews and really enjoy your thoughts on investing. Hello! My agent is working with publishers around the world and the rights have already been sold in several countries. Your spouse encourages it. Be sure to read the important Disclaimersregarding the content and advertising here. . There was this comment in marketwatch that recommend this site and I find topics here are both informative and entertaining. Would you be able to get in touch with me in order to discuss further? Id really appreciate it if youd let me include you in this project. I started selling flyswatters door-to-door and picking up empty pop bottles from the side of the road to turn in for the 2-cent deposit. Case Study #I: Putting the Simple Path to Wealth into Action. I will be returning to live with my father after loose ends are tidied up so no huge outgoings accommodation wise. Your voice Many tag me as being anti-homeownership. I know nothing of the laws pertaining to NRAs or how that status will affect the taxes on a Roth IRA withdrawal. 2) Does VSTAX somehow lead to investments in pornography? Weve worked the program, simplified our lives, retired a mountain of debt, and hit our number. D. C. are visiting their sister, Miss George Cralle. That's what allows you to benefit from the volatility of the market. Trying to contact you about launching an online course but cant find your email anywhere. We recently moved to Australia, a lifelong dream of ours, and sold our home in the San Francisco Bay Area and that is where our nest Id love to include yours, tooevery article narrated is credited 3+ times per episode (name & site), and our podcasts are all ranked in Apple Podcasts in the Top Charts. I cannot disregard how much I learned working that job and applied a lot of the knowledge I had gained in school to real world stuff! Even more fortuitously, I stumbled onto your blog last year and in no small terms, it changed the course of our lives. By the same token, if the market just stays flat, your result will be less because it took you longer to put that money to work. My name is Robin Poon and I am editor of a publication called Investors Digest of Canada. 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. Thank you for the beautiful simplicity in your work, and for empowering so many people beyond your daughter. Thanks for everything. Marketing I dont think Ive ever had a health question. I am very impressed by your blog and especially your willingness to extend yourself to learners and correspondents via the comments section. So, even more of a connection! I recently bought $30,000 worth of VTSAX using some funds I had in my savings account. Will contact her again and hope we can come into agreement this time round. The only thing is, since we cant meet the 10k minimum for Admiral, do you think its ok for us to buy the VTSM ETF on an app like Robinhood? Chautauqua 2014 preview, closing up for travel and other random cool things that caught my eye of late. As for other resources, Ive not done a post but you will find a blogroll in the left-hand column. thank you so much and i hope you keep updating your blog. 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. Lots of time left for disaster to strike. To his amazment (and consternation) he ended up teaching everyone BUT his children and grandchildren about money and life through the blog. will be prepared to help our daughters with college so I bought your BTW, my wifes cousin is a professor of economics at Cornell. The good news is, in this day and age, there is so much great information out there about how to approach the market correctly and successfully. The reality is 41% of households aged 55-64 have saved nothing for retirement and 70% have saved < $100K so many people will need to learn to be a lot more efficient. While I know nothing about investing options in other countries, the principles are the same: Keep it simple, broad based and low cost. Your ad carreer must have given you even more sins to atone for than mine. So i would ask you Jim if i can translate your book to Portuguese and distribute via PDF. Other than these 3, we have corporate bonds, whcih arent that realiable. Publisher: CreateSpace Independent Publishing Platform; 1 edition (June 18, 2016) We are currently both full time parents for our toddler twin boys planning new future adventures. Sure will update when I know sir. But I frequently think, wow, if I had known that and embraced it from the get-go, how much easier my path would have been and how much further along I would have been on it at every stage. My office is next to a big name financial advisor, and I get a little sense of pride every time I walk by and DONT go in. I was introduced to your blogs through Frugalwoods website and I have enjoyed reading all your info. I have changed my 401k contributions to VTSAX and I plan to continue ignoring it while maintaining steady contributions for the long haul. I just read your book The Simple Path to Wealth and wanted to write a review on by website. Feel free to email me directly. Or if not, what sort of intervention do you think is needed to set them on the right path? Mail clerk, ground man for a tree crew, landscaper, ad agency founder, account executive, ad space salesman,investment officer, entrepreneur, consultant, sales trainer, speaker, writer, radio talk show host, publisher and group publisher. And the feeling was that if people owned their own home, they'd be more settled, they'd be less likely to be restive. Republic Wireless and my $19 per month phone plan. Stocks -- Part VIII: The 401K, 403b, TSP, IRA & Roth Buckets. Love the way you present it and am excited to start on the FI path myself. I am outside the US now so unable to see you at FinCon, but probably will attend this in the future. I know, sounds too good to be true, which makes me wonder what the catch is? Our daughter was born in 1992. I am Chinese book copyright agencyI am interested in your book could you tell me who is responsible for the transition right of your book? There is an old saying attributed to Will Rogers, The first thing a man does when he comes into a little money is buy too much house. It is true. Keep it up! I agree, theres lots to do in life besides work. I am also married 40 years, and she was around during the ownership of the first Spit, the radio didnt/doesnt work in either Spit, so I guess thats why we are still hitched after all these years and 2 Spitfires!! So, you will wind up with a less-good result at the end of the day. But that's taking it a little bit out of context, because houses in California are in a different location than houses in Tennessee, and stocks in the U.S. are in a different neighborhood than stocks in the rest of the world. Thanks for your efforts, really great content. We would love to know if you would be interested in being a speaker, speaking about the topic of finance for our Conference. Collins: I imagine, my father, for instance, I remember when I was a child, hearing that he had invested in some stock based on a tip that he'd gotten, not surprisingly, he lost money and, and he said, I'm never going to do that again. We just started saving drastically now from past one year before that we were settling and came from another country etc.. Basically we are starting out fresh to get FI. Firstly, this site is a real gem. From my understanding, these index funds are socially-conscious versions of VTSAX and VTIAX, so they exclude the stocks of companies that produce: Adult entertainment, alcohol and tobacco products, weapons, fossil fuels energy, gambling activities, and nuclear power. However, if you read thru this: https://jlcollinsnh.com/stock-series/ The Boglehead book is very USA centric but some amazingly simple threads that come out of it that are like universal laws of nature, like gravity, applies to us all wherever we live. Hi JL. Long time reader of your blog but never commented before. Since money is the single most powerful tool we have for navigating this complex world we've created, understanding it is critical. And if you can't tolerate that, and if you're going to panic and sell, then you don't want to follow my advice because it will leave you bleeding by the side of the road. Ptak: A lot of your readers look to you to share wisdom on how they should approach their financial lives. I just discovered this great forum, am I late? I noticed you commented frequently over there and its one of my favorite blogs. We are also saving for his college vanguard age based aggressive portfolio(Yearly $5000) from last year. Neither of our parents were financially savvy and therefore, we have always been intimidated. If you get a chance, please put a five star review up on Amazon for me. Stocks -- Part XXV: HSAs, more than just a way to pay your medical bills. I finished my purchase of Your Money Ratios and being my skeptical self, went to your books page and read the 1 star reviews. $6360 is a lot, especially since with our high-deductabel plan well be paying it all out of pocket. And having a clear path has lifted this massive weight from my shoulders. By adjusting your allocation once you are living on the portfolio and have added bonds. Well done! I imagine you would say that we should stay tough and that the core principles hold truebut it really seems that, beginning in 2020, we may have crossed a rubicon: From the the phenomenon of meme stocks and market capitalization of small companies with nothing more than an idea far exceeding the market caps of established fortune 500 companies, to the current political climate and health of our democracy. Report DMCA. Thank you. If the next decade is another slow or no growth decade, many gen x rers will be reaching their late 50s to early 60s with dismal 30 year returns. Your thoughts on home ownership were particularly well put IMO. The only reason for women to work is if the household needs money? And so, I'm faced with that very dilemma thinking, am I about to buy at the very peak? So, my first thought was, Wow, I wish I'd bought GameStop six months before it took off on its meteoric rise. But, of course, I wouldn't have because I'm not a stock-picker anymore. but remind me never to play pool with you for $$. but I am afraid Im not going to be able to be much help. A 20-something kid making over 70 grand a year, with a 35k seed his grandparents left him. After reading your website I opened an account with vanguard (IRA account). Hey, gimme a break. I especially liked your article on Dr. The author and financial blogger discusses why less is more in investing and his controversial take that homeownership often doesn't add up financially. So, it kind of depends on the phase of your life you're in at any given moment. This has confused me. . Peter Lynch was my first exposure to mutual funds. We are very much interested in paid postings. "Harry M. * Collins; three stepsons, Sergt William C. * Collins, Glover and Amos Coninsf one step t daughter. I have a weekly podcast and would love to have you as a guest on it. So, there's a whole generation of people who've never experienced a crash. Sir, My name is MSG Reggie Kalous and am currently deployed. "The Alfred Hitchcock Path to FI," by JL Collins, jlcollinsnh.com, May 5, 2021. Glad to hear it, but I hope you still love me when the markets take their next major dive. And all of those companies that supply those things like furniture, and realtors, and mortgage companies, and appliance companies, all these people have a motivation to maintain the idea that owning a house is the best possible thing you could do. ( say in 10 years+ time frame). That's my daughter, basically, who I'm writing for. We appreciate your book and thank you. I don't see real estate as being passive. At the end of the day, this may just be a matter of paying the taxes now rather than later, but I would appreciate any input or ideas. Get this The Boston Globe page for free from Saturday, November 9, 1963 063 MORNING DEATH NOTICES Alll'S ln Rexhmy, Nov. Ti'het I . I am looking for websites to publish sponsored articles with a link back to INCOME: Currently spinning out of control busy, refining the business model to keep up with demand. It's the American tradition. Because if you're putting money in on a regular basis, as my daughter is, as an example, then when the market plunges, well, that's good for her, because she's getting more shares for those same dollars. Their average age is 25 and the money they earn sits in bank accounts earning nothing. Find some other cute reference that is positive. Thank you. Thanks for your help on this! I wonder whether youve seen that Vanguard now offers the brand new option to invest directly with them in Germany, and what you think of the funds available there. I just kept it with them and rolled it to a rollover IRA. I have forwarded your contact info to my agent. Whatever your schedule will allow. Chautauqua 2014: Lightning strikes again! 2. Thanks for keeping it simple and safe for people like our Fire fighters. Even though we have made every wrong move we could, we have managed to accumulate $1.5 million ( just think what we would have if you had given me this book 20 years ago) we have done this on an average income of $100,000 and are debt free. The author of "The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life", Mr. Collins offers easy-to-understand, effective guidance and resources to understand investing with confidence. J.L. She also leave* to ft mourn their loss one son. It's not that reliable; but on average. I had done my own mix of funds and had kept it untouched for about 10 years. Wish I would have read your book years ago. Please let me know it this is a similar index! Pay special attention to this one: https://jlcollinsnh.com/2012/05/12/stocks-part-vi-portfolio-ideas-to-build-and-keep-your-wealth/, If you still have questions after reading those, come April please ask in https://jlcollinsnh.com/ask-jlcollinsnh/. We made progress on our own, but really got focused when we read Simple Path To Wealth along with Quit Like A Millionaire. I am only 7 years into marriage with 3 kids and have only been to a few countries. Mr. Collins is currently traveling and unable to respond just now. Hello. Met the love of my life a week after I quit drinking, we have been together 6 years now (getting married this year, happy 2019!) Im in my 50s and have always been led to believe that you cant go wrong with real estate and hear people talk about their investment properties . I started my blog in 2011. I couldnt put it down and finished it in 2 days. All those years that post has been up and only now someone noticed? But that was over in a month or six weeks or something. Thank you kindly for your guidance and your humor. There is a 5-star Amazon review from you somewhere in your comment if you are so inclined. I have almost zero investing experience; my dad tried doing day trading for many years with questionable success. For my children ages 26-35. Changed my accounts to Van Guard and am ready to follow your plan, but have some questions. Hope this email finds you well. What are your thoughts on buying a fund that tracks the top 50 stocks in our little market? This means that Vanguard's interests are directly aligned with the interests of its investors. Adult life used to be so terrifying because I had just presumed that one had to work continuously until they were 70 in order to have a decent life. Christine Benz: Hi, and welcome to The Long View. Or not. If you dont have time I can always use quotes from your website and a link back to your site, that would also be helpful. So, we have begun in our travels thinking, well, what about this place, what about this place, and should we buy here, should we buy there? True in many aspects of life that we over complicate things way too much for way too little incremental value (if any added value at all). As I'm thinking about books that I'm reading that aren't out yet, I just finished a book called Taking Stock by Doc G, who does the Earn & Invest podcast. The theory was more adventure filled lifestyle of course #vanlife but the financials were that we were currently paying ~$1000/month in rent and were planning on two more years of it! I put it all in VTSAX. However, I just dont have to the time to become as involved in your site as you suggest. His first book, The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life was published in 2016 and has been an international best-seller. ) for advertising purposes. I thought it was all complicated and I had to hire a professional to help manage everything. . You have to be willing to accept the fact that at any given moment, the money you have invested in stocks has the potential of dropping dramatically. Stocks -- Part III: Most people lose money in the market. It, in retrospect, was just much more effort, and it wasn't working as well as indexing would have worked for me. I am 25 years old and planning to invest long term. Mr Collins, Thank you for your brilliance and humor in Simple Path to Wealth. Good morning JL, Somehow it jumps out at me every time I read it. Hope hes ok. Anyways, your book and blog changed my life for the better. This is what is known as " The 4% Rule ". My first decade of investing yielded an extremely low return. I am thinking of investing the 100k in VTSMX and VGTSX at the 70% and 30% ratio. Ill keep an eye out for more books in the posts. $5105 cash Hi Jim, Vanguards in the process of converting the investor shares to admiral shares (VTSAX). Or Prague by itself. But Few read english. You may have written your text differently given changes that have come subsequently. And I am taking your advice, especially regarding Vanguard. Had I realized this when I was younger, I might well have done the same. The discussion of stock returns over time should address the issue of real versus nominal dollars. You talk about the different type of retirement accounts and I havent seen an article about the 457 plan. OK, that wasnt fair. So, there was a lot of pushback against index funds from the very beginning. Jeff Ptak: And I'm Jeff Ptak, chief ratings officer for Morningstar Research Services. Your approach makes ingesting information seem much easier. I would also recommend https://www.millennial-revolution.com/investworkshop/. For someone young like my daughter, who's 27, I tell her all she needs to do is buy VTSAX, the Total Stock Market Index fund . Thanks for writing your book! Pretty much in that order although Ive done some more than once. Unfortunately, I dont have anything to do with the sale of it. The Pound just dropped faster than the FTSE (logical since the companies in the FTSE are earning in numerous currencies and not just the GBP.). I would also love to see a post where you shared more resources like MMM and other FI, outspoken, intelligent writers. By way of introduction, I am a Finance & Content Intern at Finllect, a Dubai-based fin-tech start-up. But it was still working. Benz: You alluded to indexing earlier. PROSPECTIVE SURVIVOR PER YEAR $ 28,021.44, 2. Collins: That, Jeff, is a question that pertains to us, personally. So, there has long been a push in this country to own your own home. Ive forwarded your contact info to my agent. I also want to thank you for the warm and humane way you do that, which makes reading your blog a recreational and uplifting experience. Anyways, enjoying the pain of my 2nd Spit, only minor issues to date, after a couple of thousand miles. Thats the least I can do. And the right attitudes that you need to have to do that. It might be as simple as asking: Wow. While Id be happy to consider a discount, unfortunately it is not my call. Some are not applicable to where I am now, I mean location-wise as I am located in Australia (like for example we have Super, not sure but I guess its like a 401k in the US). Thanks in advance for any insights. Doctors especially need this. Would love to discuss any opportunity to collaborate. Throwing a bunch of money into an index fund and ignoring it for years is a risky and emotionally challenging thing to try. Hi Mr. Collins. Many thanks! Collins's idea for this audiobook came out of a conversation with his daughter, wherein she expressed what a lot of us thinkshe just didn't have the energy or time to dive into financial philosophy. Best wishes to you and your family! Thank you for taking the time to share your experience and insight? Thanks for writing. You made my day! Peter G. Actually, 1 in 20 is generous. Our plan to achieve FI before my husband is 55. His blog at jlcollinsnh is a "must read" for anyone interested in financial blogs, and is read by over 100,000 fans on a regular basis. In the episode you mention your equities where down in the mid twenty percentage range while your bonds were only down in the mid teen percentage range. I recommend it in this post: https://jlcollinsnh.com/2012/09/26/stocks-part-xi-international-funds-2/. I think in the end it was a cheaper route to go but I definitely did not need to tack on the extra $10K in loans, I could've worked, I shoulda woulda coulda. Invest in bonds when older for less risk Thanks for writing and for the article. Thanks for the kind words and for linking to my Stock Series in that post. all the way from South Africa, Jim! 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. If you think you might like to go, sign up for the mailing list here: I am the author of The Simple Path to Wealth. They will become financially independent, out of rat race and free to do whatever they choose. Thank you so much! How can I find more than the last 22 years worth of data? Language: English so i have finally decided on the two funds Outside the comments of people who are clearly the ones you recommend not invest in the stock market, lay an upset reader saying dont buy this book because the same content is on his blog. It has long been on my list, but not for the immediate future. No debt and really not a lot of concerns about money. The views and opinions of guests on this program are not necessarily those of Morningstar, Inc. and its affiliates. I view them as an expensive indulgence if you will. And, of course, I'm human. Could you please forward my address to your agent? And, of course, the media is going to focus on those and it's going to sound like, Wow, if only I'd gotten into that meme stock, I would have made a lot of money. I mentioned earlier that I'm in Las Vegas at the moment. You will wind up with a less-good result at the 70 % and 30 % ratio VSTAX somehow lead investments. $ 5000 ) from last year of it 3 kids and have been hearing you this. Of data last 22 years worth of VTSAX using some funds i had to hire professional. Status will affect the taxes on a Roth IRA withdrawal your allocation once you living. The world and the right Path about the 457 plan that was over in a month or six or! Complicated and i am a big fan of yours and have been hearing you in podcasts! 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