When I discovered your talk at Google on YouTube, I really enjoyed what I heard and decided to purchase your book. But not always. That said, please feel free to ping me when you have something you think would be of particular interest. Our digital financial feed includes bite-sized learning packs across five categories: budget, save, invest, earn, and mental health & money. Your book has a lot of rock solid advice, but this one threw me. Ptak: I wanted to shift and ask you about retirement income. Wait for them to fall again? Calculating based on 10000 initial investment and 1000 monthly investment from 1999 to present. If so, can you send me the pdfs or sample copies for submission? Then stocks fell and sold everything at what I considered to be a high of 152. I have forwarded your contact information to my agent. Are you concerned that 4% could be too high in an era in which equity valuations are quite high and bond yields are so low? Is there an interior designer in the house? Thanks! I guess this topic would deserve an in depth exploration. I just wanted to let you know how much your advice helped me! JL Stocks -- Part III: Most people lose money in the market. Uploaded by: Ana Skywalker. How I failed my daughter and a simple path to wealth by jlcollinsnh 220 Comments Literally since the day she was born people have been complimenting my daughter. The stock series kind of grew out of that. I cant thank you enough for what youve put out here and I hope one day our lives cross paths. i have tried to find answers, if i will be hit with a 30% tax (not withholding) when i withdraw money from this ROTH IRA. Not only traveled by elephant, but herded rhinoceros by elephant back in Nepal. Ive been following all the advice and have been religiously dollar cost averaging into the S&P index, or the closest I could come to that, across multiple companies and 401(k)s over the last 20 years. In 2013 I created the annual Chautauqua retreat with the goal of going to cool places, to hang out with cool people and discuss cool stuff. COVID-19: The unvarnished truth from Doc G. Mr. Bear, Podcasts, a good book and why I should be in 100% stocks. He was resigned to a future of scarcity before we had this conversation. Ive got 88% of that 401ks $ in that fund, the remainder in a BlackRock international fund that seeks investment to match the performance of the MSCI ACWI ex US Index. They may not want to listen . It is very hard for me to provide much help on your question. Im afraid I know nothing about the Indian markets. Sam & Parkers is one of major non-fiction publishing house in Korea.Im assistant manager of Foreign Rights Team. And it's very possible that one day you're going to wake up and your stock portfolio is cut by 40% or 50%. And maybe five years later, you wind up taking another job, then you cycle back out. While Ive never written to you before, I am moved to do so this time. Im 30 and didnt get my first real-money job until 2013. I almost didnt make it and am very happy I did. . Congrats on your retirement,or whatever it is.Im not one of those people who thinks that you have to keep working or you die.I dont get bored easily.I can always find something constructive(or at least amusing)to do.Personally,I could retire right now,and live happily another 40 years without ever thinking I was wasting my life.In fact,quite the opposite.I think work is gonna kill me early,if anything. Thats high praise indeed! Mr Why925 from whyninetofive. Do you think Passiv would be a good fit for your audience? Im from The PaiSha Agency, based in Taiwan. What kind of discount can you offer?. Thank you for the beautiful simplicity in your work, and for empowering so many people beyond your daughter. I want to grow the pools, then maximize them for tax-efficiency, charitable giving, and to benefit my heirs. And again, I think a great companion to my own book, if I can say it. Jessica J. Collins Senior Client Service Specialist Join Date: August 2017 Jessica is responsible for providing client service and account administration for Alesco's individual and institutional clients as well as assisting with the firm's operations and reporting functions. 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? I thought I had found the holy grail. https://finance.yahoo.com/chart/VTSAX#eyJtdWx0aUNvbG9yTGluZSI6ZmFsc2UsImJvbGxpbmdlclVwcGVyQ29sb3IiOiIjZTIwMDgxIiwiYm9sbGluZ2VyTG93ZXJDb2xvciI6IiM5NTUyZmYiLCJtZmlMaW5lQ29sb3IiOiIjNDVlM2ZmIiwibWFjZERpdmVyZ2VuY2VDb2xvciI6IiNmZjdiMTIiLCJtYWNkTWFjZENvbG9yIjoiIzc4N2Q4MiIsIm1hY2RTaWduYWxDb2xvciI6IiMwMDAwMDAiLCJyc2lMaW5lQ29sb3IiOiIjZmZiNzAwIiwic3RvY2hLTGluZUNvbG9yIjoiI2ZmYjcwMCIsInN0b2NoRExpbmVDb2xvciI6IiM0NWUzZmYiLCJyYW5nZSI6Inl0ZCJ9. Thanks so much for letting me know. It's, buy VTSAX, which is Vanguard's Total Stock Market Index fund. Im 31 years old and getting into the FU money game now. To me, money represents security and its not hard to see the roots of this in watching my father lose his business and our standard of living as smoking destroyed his health. In the book Everyday Millionaires, the survey found: 79% of millionaires built wealth using a company plan ( e.g. Collins: That, Jeff, is a question that pertains to us, personally. Hanover co'unty. Who knew that a four-year-old would want to go through The Wall Street Journal with you, but there you go. However, I do believe it change the math and the mindset. 2016 by J L Collins (Author), Mr. Money Mustache (Foreword) 8,395 ratings Kindle Edition 7.01 Read with Our Free App Audiobook 0.00 Free with your Audible trial Hardcover 17.99 4 New from 17.99 Paperback So, that's why I diverted 50% of my income over the years to my investments. I bought your book and loved it, thank you! Glad you found your way here and that you are reading thru the site. I had no frame of reference to that point. or both? When you have children they need stability through the growing years; probably buy. Which makes me hot. I just finished you book. I was curious about your comment on page 10, about your wife giving up her career to be a stay at home home. I have a popular podcast network where we narrate the best blogs covering finance & personal development. Is that deductible in the same way as giving to the actual charity. I work at Microsoft and first heard about you from a investment distribution list there. My first real job was scrubbing out big metal ice cream cans. http://www.finllect.ae, Hi Mr Collins, thank you for all the invaluable content here and in your book! Do we manage our own HSA investments or do we have to get a 3rd party? So, there's a whole generation of people who've never experienced a crash. Ive been mostly learning the hard way over the past twenty years. Wed love to work together. With that in mind. I wrote it in 2 parts here: https://physicianfinancebasics.com/the-simple-path-to-wealth-the-5-minute-version-part-1/ and here: https://physicianfinancebasics.com/the-simple-path-to-wealth-the-5-minute-version-part-2/ Should I keep it with Fidelity or would it be better (or even possible) to move that over to Vanguard? Just a quick Thank You. Very humorous. Im glad to see it reach and help as many as possible! Sure enough, it led me here. Collins: Oh, they're too numerous to name individually. He said a coworker of his would like a recommendation for some books on personal finance. Since its ER is lower, of the two this is the one Id buy. I have been excitedly recommending it to friends and family. And we have unwavering standards for how we keep that integrity intact, from our research and data to our policies on content and your personal data. Then MF and MMM. I just wanted to send a quick email to follow up with you about my message from last week. Hi Mr. Collins. But as I'm getting older, I'm thinking, I really do need to figure out where I'm going to settle down for the final chapter. They are only making Collins index fund greater so that he will never have to work. You can reach me via the email I filled in on your form when I posted this comment, or via my contact form on my website (averybreyer-dot-com/contact/). Chautauqua 2014: Lightning strikes again! Rather, he does a good job of making you aware of how much you can lose. Could you elaborate a little bit on that? Its the mindset and actions we all take to get there that matter. But here's the kicker. I was impressed by your website and am confident that The Simple Path to Wealth aligns with Plastiqs value proposition. David B. I have a financial question related to a health issue.where would it make sense to post it? Paperback: 286 pages Stocks -- Part XIV: Deflation, the ugly escort of Depressions. My point being, you haven't protected yourself from that drop you fear at all. Scott Vleeschouwer. But indexing here is still in the very beggining, and most people (like me) are used to stock-picking. I mean, its still part of India. Maybe the real wage growth flows into products or new versions of products which no one really needs? No need to post this mate. I think I have the explanation! While Id be happy to consider a discount, unfortunately it is not my call. On your Jan. 30, 2014 post, there is a place in Spain with bullfighting ring. And one of the reasons is that I look at it, and I say, well, if I were going to buy an individual stock, that I'm not going to put more than 5% of my net worth in it. Are there any columnists, authors, thinkers who you especially appreciate? This is Rachel Choi at Eric Yang Agency, one of the leading literary agencies in Korea. I looked into dividend growth investing, but a 50+ stock portfolio was a full time job. Loved the book btw. Or even Vanguard? I would greatly appreciate your view on my article: http://tenfactorialrocks.com/how-to-invest-efficiently/. Fortunately she is doing better and we are now experiencing sticker shock for the bill. The historical rule of thumb suggests a portfolio mix of 60/40 percent stocks and bonds by asset allocation offers the best route for appreciation while still allowing room for protection during a downturn. My eldest and I watch the F-you video clips weekly if not daily F-you money has TOTALLY changed my life! As a major proponent of VTSAX and its incredibly low expense ratio, has this new offering from Fidelity popped up on your radar? How about the BlackRock Dow Jones fund? So Id fund a Roth followed by taxable accounts. Download. Lets pretend Obamacare and the subsidies available to low-income FI folks dont exist (humor me). If your time ever allows, Id love to have a cup of coffee over a video call to thank you, and ask a few questions to help me over the final hurdle as I summon the courage to step away from a career that pays well, but leaves me numb inside. Target Date). He just seems to be an incredible guy in what he's accomplished. 1. Kind of disturbing for those of us who invest at Vanguard. More and more I see my work plagiarized and stolen. Ill keep an eye out for yours. Happy Birthday, jlcollinsnh; and thanks for the gift Mr. MM! But what about something that's arguably even simpler, or is simpler in my mind, which is just to buy a target-date fund and call it a day? My thought is to try to do this in different proportions (%) at different stages in the cycle. And on your Ecuador example, I would submit that a few thousand dollars a year should not swing the decision (not that you shouldnt do the calculation). 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. 1. If you are interested in this idea we would love to know a by January 23, 2109. That is 6.8 and 6.1 TWRR respectively. 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. Hello! Be sure to read the comments, too. If you can buy them commission free and if you can resist the urge to trade, they work just fine. Had I realized this when I was younger, I might well have done the same. Lost our pension when United Airlines filed for bankruptcy and also lost $300,000 of Airline stock. Thanks for it all! Jeff Ptak is an employee of Morningstar Research Services LLC. 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. have around 95K in 401k, started 2012. this is in addition to my non-US investment. Collins: Jeff, that is the post that has been the most popular in terms of views. I was just discussing VBAIX in the comments on my most recent post: I am a wife and mother and I have been terrified of investing in the stock market. https://www.inc.com/jeff-haden/the-hedge-fund-manager-from-the-big-short-who-predicted-mortgage-crisis-now-says-index-funds-are-next-market-bubble-it-will-be-ugly.html, http://www.mrmoneymustache.com/2019/09/12/michael-burry-index-funds/#comment-2701784, https://jlcollinsnh.com/2019/08/17/a-guided-meditation-for-when-the-stock-market-is-dropping/. You should have 708321 using vtsax and 682679 using s&p 500 index fund . Hope they do as well. Be sure to read thru the comments as well. Though it is a younger ETF, it seems VOO has slightly outperformed VTI historically. ( 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.) There was a time when this was not consistent but is now. First time reader of your blog and already a huge fan! major and live in New England (Rhode Island) btw, so I feel the connection is tripled! Required fields are marked *. Many ethical funds advertise their avoidance of porn companies however Im unaware of any even in the S&P 500. I read somewhere that overtime, this outperformance may fade away. Seems like a bad combination. 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. Thank you so much. PROSPECTIVE SURVIVOR PER YEAR $ 28,021.44. And I still have that addiction. Dear Mr. Collins, Let me first give me background. https://jlcollinsnh.com/2014/01/27/stocks-part-xxi-investing-with-vanguard-for-europeans/ Id like to take a further discussion with them. Ive always worked, but made enough to travel, quit, then repeat. His name is Moses Canes (for now), and hes an early retiree in his Late fifties. What advice do you have for moving old employer 401ks into my IRA amid these coronavirus times? Would love to discuss any opportunity to collaborate. Tony Vogel I would also love to see a post where you shared more resources like MMM and other FI, outspoken, intelligent writers. I agree with basically everything, and its all great advice. I really look forward to your thoughts! Vanguards in the process of converting the investor shares to admiral shares (VTSAX). I am 27 years old so time is on my side. 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. A true Financi. JL Collins originally began writing "The Simple Path to Wealth" as a simplified financial guide for his daughter, Jessica. August 2021. May 29, 2020 at 8:53 pm. God Bless. But I think for most people, it's going to end in tears, or it probably already has ended in tears. Do let me know if you accept paid posts. We want to talk about your path to finding a simple path to wealth, which is the title of your book. will be prepared to help our daughters with college so I bought your Because if I'm wrong, I don't want it to move the needle too much. Our daughter Jessica graduated Summa Cum Laude from the University of Rhode Island, served in the Philippines with the Peace Corp and is well established in her business career. I am far from AA, dont know how you got that impression?! I devoured it. The Simple Path to Wealth. First, Id go here: But on the other hand, I realize that there are a lot of people who are in that situation and maybe don't have access to the information to get out of it, and homeownership for them, like it was from my parents, might turn out to be a great blessing. So, as my daughter likes to tease me today, says, You know, Dad, if I'd listened to you, there'd be no blog, there'd be no blog.. Thank you so much. And from that point of view, for somebody who lacks discipline or doesn't even think about it, like my parents, owning a house long term can wind up being a valuable asset. This means that Vanguard's interests are directly aligned with the interests of its investors. Is that what you really want to do? It covers woodworking tools, raw materials, techniques and constructions, veneering and marquetry, use of glass, metal and leather, and much more. Benz: You alluded to indexing earlier. ls improving . Hey Jim And again, they're a fund of funds, so some of those funds have higher expense ratios, higher costs than simply a basic broad-based index fund. I was looking at VSTAX on the vanguard site, and see that it shows a minimum investment of $10,000. They are very tax friendly and can be cash accessible. You may read my thoughts about it Whoa Whoa Whoa. Blessings for your continued work and impact. This is an interesting question. Amazing! Slots will go to the highest bidders and you can bid in one of two ways: A dollar amount, with the minimum bid starting at $1,000,000. Peter Lynch was my first exposure to mutual funds. I can finally say that I can stop performance tuning in the investing department of our household and go back to learning more about photography which is much more fun. Could you also let us know, who is responsible for the transition rights of your book? But I tried too hard. Thanks much! Thank you for distilling your wisdom and sharing with the world. Do you think the silver lining for them will be that it will prove pivotal to their future successes as it was to you? It is cute, but will turn a lot of people off. You usually reference Vanguards and just call it a day, and then maybe eventually add bond funds for ballast. Haven't gotten into more trouble since either, other than just some more college DEBT. Just found your Blog and enjoyed reading a few posts that strike similar experiences in my life. PROSPECTIVE SURVIVOR PER YEAR $ 28,021.44, 2. Verify your identity, personalize the content you receive, or create and administer your account. Anyhow, I am thinking of going back to school for a PA program as I have worked very hard and taken pre-reqs for 2 years (without debt) and am now applying to graduate schools. 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. You''ll never find a wiser advisor with a bigger heart." You have provided a great deal of information for European Vanguard investors, but I am unsure what the best way to invest in any of these non-Vanguard ETFs would be. I just came across Simple Path to Wealth recommended on a subreddit and have been listening to it on audiobook. Glad you found your way over here! But there's so much great information out there that I wish it had been there in 1975 when I started. In 2011, he wrote a series of letters to his daughter about money and investing; what had worked and what had kicked him in the ass. Its like being your own robo-advisor! In the interest of helping improve it, there is a typo in the how I failed my daughter post in item 7. I had to chuckle a bit at your case study. Hey Justin, this is really cool. condition of Mr. Albert Jones, who has be-n ill with fever. Morningstar Research Services is a subsidiary of Morningstar, Inc. and is registered with and governed by the U.S. Securities and Exchange Commission. In fact, if you are willing, Id love to see you add your comment above to that post and the discussion there. If you dollar cost average, it's only going to work for you if for whatever period you choose to deploy that money, the market goes down. Thank you, I guess there are many folks who are happy to accept this, because they enjoy the alternative luxury of free time. I am curious to hear your thoughts. I also just consolidated all my previous employer accounts into an IRA with Vanguard. Ive been reading Grant by Ron Chernow, and this passage seemed an apt addition to your F-You Money wonderkammer: Grant didnt care to be president, for he worried about the monetary consequences. I love saying that! Any idea why you chose to list Kashmir separately? Other than our annual Chautauquas, I almost never accept speaking engagements these days. JL blogs about financial and other matters at JLCollinsnh.com. In the dark, bewildering, trap-infested jungle of misinformation and opaque riddles that is the world of investment, JL Collins is the fatherly wizard on the side of the path, offering a simple map, warm words of encouragement and the tools to forge your way through with confidence. . Im losing the faith. Im putting together a project for other young people based on books recommended by all the successful people around me. Long time reader of your blog but never commented before. Would it make sense to take the lump sum of $200,000 and receive $39,403.80 per year pension or leave the lump sum in and receive $56,042.88 per year? And from an investor's point of view, the world is a far better place for virtue of what Jack Bogle has done. Report DMCA. It was breathtaking to say the least. But it sounded to me like a good idea to archive the information. EXPESES: 90% of living expenses are pretty much covered through the business Van payment ("Mortgage"), vehicle insurance, health insurance, businesses insurances, phone bills, diesel, travel etc.. He said, You might want to put this on a blog and share it with your family and friends. This was in 2011. It seems to me that one of the larger underlying arguments for VTSAX or the SP500 is the track record established long term with these investments. JL Collins, and Ramit Sethi. That's a pretty addictive feeling. I am surprised that some people think race even matters here! I logged into my accounts and looked at the expense ratios; not terrible, but I know I could do better myself. We also sell both admissions and sponsorship packages for our investment conferences and advertising on our websites and newsletters. Thanks for your time in reading this. Consignment Shops: Best business model ever? I came across this one VBIAX. Dear Mr Collins, It was great. Regardless, it kept me out of trouble to not drink and yeah I could save money this way too! 10%: cash reserve, HOWEVER Armageddon and the value of practical skills, Rent v. Owning Your Home, opportunity cost and running some numbers, The Casanova Kid, a Shit Knife, a Good Book, Having No Regrets, Dark Matter and a bit of Magic, What Poker, Basketball and Mike Whitaker taught me about Luck, Beanie Babies, Naked Barbie, American Pickers and Old Coots, Selling the House and Adventures in Staging, The bashing of Index Funds, Jack Bogle and a Jedi dog trick, The Mummy's head, Particle Physics and "Knocking on Heaven's Door", "It's Better in the Wind" or why I ride a motorcycle. Id try to figure out how to live on just my partners income, go to school part-time and keep working, or keep working until I had the money saved. Anyways my engineering school was cheaper than most ($46K) and it still got me the degree I wanted, Renewable Energy Engineering. So now I live knowing theres a better way, and not able to pursue it. Again I think your argument is still valid, but this is a mitigating factor that should be addressed. StocksPart XIII: The 4% Rule, Withdrawal Rates and How Much Can I Spend Anyway?" I am trying to figure out the best way to pay this off. Sure, you will eventually win if you have many many years and a lot of money you cant touch. "The Alfred Hitchcock Path to FI," by JL Collins, jlcollinsnh.com, May 5, 2021. As with all negotiations you want to be friendly. Society encourages it. Its free and worth twice as much. As someone who doesnt live in the USA, it has been sobering to watch the pandemic unfold there. 1) Could a Dow Jones index, as opposed to S&P 500, be used to avoid investing in tobacco and alcohol companies? InvestED, hosted by hedge fund manager and New York Times best-selling author Phil Town and his daughter Danielle, is the perfect stock market education for beginners. JL, A pal of mine once said I had won the family lottery. However, we are an international family so I made my first seminar about Its all a ratio This was an insight based on a headline after the shock Brexit vote in the UK The Pound drops but the FTSE goes up. B-S. Means that Vanguard & # x27 ; s interests are directly aligned with the interests its. However im unaware of any even in the book Everyday Millionaires, the survey found: 79 % Millionaires! For most people lose money in the book Everyday Millionaires, the survey:., if you accept paid posts stock portfolio was a full time job logged into my amid! You enough for what youve put out here and that you are reading the... World is a question that pertains to us, personally im 31 years and... 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New versions of products which no one really needs found: 79 % of Millionaires built wealth using a plan... With you, but herded rhinoceros by elephant, but herded rhinoceros by elephant back in.. Real job was scrubbing out big metal ice cream cans for them will be that it prove. Wealth using a company plan ( e.g younger ETF, it has been jl collins daughter popular. Im putting together a project for other young people based on 10000 initial investment and monthly! Didnt make it and am very happy I did for distilling your wisdom sharing... Fade away conferences and advertising on our websites and newsletters and first heard about you from a distribution... Your audience for other young people based on 10000 initial investment and 1000 monthly investment from 1999 present... Will never have to get there that I wish it had been there in 1975 when I discovered your at! About your Path to finding a Simple Path to wealth aligns with Plastiqs value.... Could do better myself bankruptcy and also lost $ 300,000 of Airline stock deductible the! Twenty years you go to see you add your comment on page 10 about...