It was actually welcomed and consumed. The Lies That Save Us Broken Heart 1 Jl Redington is available in our digital library an online access to it is set as public so you can download it instantly. If I invest $5500 into it, does that mean I can deduct that from my annual taxes. Eight years from the 4th of March, 1869, he will be about fifty-six years old. It was revealing that Grant, still haunted by his prewar fear of poverty, analyzed the presidency through the lens of financial security. I have an odd question and was wondering if you would be able to maybe send me and my team the stock series books or just the The Simple Path to Wealth? We need kids to be ready for the real world. Ive read through your entire blog and recently read your book (within 5 hours). Just getting into investing, though. So, you're never going to want to do any percentage withdrawal and just set it and forget about it--not only because you might run out of money, but even more importantly, and more likely, your money is going to grow far beyond that withdrawal rate. Only Sundance participant that I know of to dress in a white, buttoned down, dress shirt. I actually read the book, The Simple Path To Wealth, in April 2020. OR vise versa, was it the dot com bust of 2000 and the housing bubble of 2008 that together made the stock market so flat for 13 years? Im am not trying to get rich overnight, I just feel that with the uncertainty in my life, I need to take my retirement into my own hands. I love how you break everything down and make it super easy for me to understand. And I turned her off to all of this stuff. My thinking about it is this. It seems to me this person is probably just uploading audio books without respecting copyright claims. Im kinda retired, will be 60 next month, an investor for 45 years, two kids and a long marriage. I started a non-profit, ngpf.org, to improve the quality of financial education in high schools. So, that's probably my biggest mistake. Is that deductible in the same way as giving to the actual charity. I also imbedded links frequently to posts and writers I like. Maybe the real wage growth flows into products or new versions of products which no one really needs? Thank you so much for writing your book, The Simple Path to Wealth. JL Collins: Thank you. The stock market return as the best investment is valid in either nominal or real dollars, but you address the difference. Given this, and also that I have about $30K to invest, do you think this is a good time to buy the VTSAX fund? Since its ER is lower, of the two this is the one Id buy. As a federal employee, I very much appreciated that the book included a section on the TSP system. This was really meant to be a private email to you to in a way introduce myself and put me under my own case study towards FI, I want to document this entire process and tell the story later. Social Security: How secure and when to take it, Fighting giraffes, surreal landscapes, dancing with unicorns and restoring a Vanagon, How to be a stock market guru and get on MSNBC, See you next year.until then: The Origin of Life, Life on Other Worlds, Mechanical Graveyards, Great Art, Alternative Lifestyles and Finding Freedom, Stocks -- Part XV: Target Retirement Funds, the simplest path to wealth of all. I write in-depth articles about all things related to finance and loans. No real strategic reason. Both have very good 401k plan and has lot of low cost vanguard funds. I am posting this in the hopes youll share some wisdom for their situation as I have purchase your book for each of them as a holiday gift. I could pay interest as school goes, perhaps. Since it doesnt work as mentioned, Vtsax and the S&P 500 a currently parallel. Well, they are now 164and climbing! Ten days ago, I updated our FIRE spreadsheet and, seeing that we just exceeded our F-you money goal by $1,000, for the first time in my adult life, I felt free. Im on the fence about investing into an S&P 500 index funds as they involve the tobacco and alcohol (and pornography?) Research indicates, going out 30 years, less than 1% of active fund out perform. Even if it is a good company. Things change and F-you Money is your shelter in the storm: https://jlcollinsnh.com/2011/06/06/why-you-need-f-you-money/. Or not. And I suppose if I were going to add some spice to my index funds, I would want to look at that kind of thing. Thanks for your interest. Most of us are paycheck to paycheck. 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 . 2. Is there a way to pay for just your audiobook directly to you or someplace else other than having to subscribe to some monthly fee from a large corporation? It's the American tradition. . This has made me immune to feeling bad about the market dropping fast and hard, so far: thanks a lot for that However, I had some anxiety over how extremely good the market has been doing the last week. Nope, never bought in Ecuador. I think I mentioned a little bit earlier in our conversation that my dad had dabbled with stocks based on some tips and he got burned and that was the end of that. I respect that. For more see: https://jlcollinsnh.com/2015/06/02/stocks-part-viii-the-401k-403b-tsp-ira-roth-buckets/. This is the link I was look at https://investor.vanguard.com/mutual-funds/profile/VTSAX. This is not just a Betterment thing. I was once corrected, its a HOME! I then corrected, no , its a HOUSE. It says Opps, instead of Oops. She is the younger half-sister of Simon Collins and Joely Collins, who are Phil Collins 's children with his first wife, Andrea Collins; and older half-sister of Nicholas and Matthew, Phil's children with his third wife. I do the same with books on occasion. I know youve done a post about rent vs buy but what would you recommend for the present day in NH for someone single and no kids? But do you think that with today's rapidly accelerating home prices that new buyers are apt to be especially unlucky with their timing? In this section of the podcast you were arguing the benefits of the quintessential mix of stocks and fixed assets like bonds/ treasuries. And this may be a warning to others, life is always unexpected and doesnt always turn out how you hope. I know that much of th FI advice is geared toward younger people, but I want to try and apply some of these ideas to my situation. Nor do I have any idea (other than Google) as to where you might turn. It takes virtually none of your time. Benz: Just to follow up on that, does that give you pause given that it seems like by most measures, non-U.S. stocks are inexpensive relative to U.S. today? JL Collins has been an investor since 1975. I have been in Betterment for several years and have built this up fairly well, however, when I tried to move a good portion of this into Vanguard (VTSAX) last year I found that Betterment doesnt facilitate any type of transfer and I would have to cash out and re-invest into Vanguard. The stock series kind of grew out of that. Thanks, TFR, Hi Jim, 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. Had I realized this when I was younger, I might well have done the same. In fact, I've come to say these days that I've spent every dime that has ever come into my possession, and I spend it almost immediately. http://www.forbes.com/sites/kellyphillipserb/2014/12/07/whistleblower-alleges-vanguard-cheated-on-taxes-costing-taxpayers-more-than-1-billion/, Heres my take: https://jlcollinsnh.com/ask-jlcollinsnh/#comment-4213814. Courtesy Rory Green We are often asked what it was like growing up as the daughters of Jackie Collins. Thank you for the beautiful simplicity in your work, and for empowering so many people beyond your daughter. But for those people who enjoy real estate, and it's the kind of work they like, it's great. JL Collins (Author, Narrator), & 2 more 9,776 ratings See all formats and editions Kindle $8.99 Read with Our Free App Audiobook $0.00 Free with your Audible trial This book grew out of a series of letters to my daughter concerning various things - mostly about money and investing - she was not yet quite ready to hear. ; ) a great post BTW. Im working for a big French publisher who is extremely interested in acquiring French translation rights to your book. Appreciate your thoughts, Hope you are doing well. However, physicians being as busy as they are, and not as interested in finance (too broad a brushstroke probably), I thought a summary- or a 5-minute version- might be helpful. An entertaining investment book what a concept! Right now I hold BNDX as well, since if Im going to add VXUS to balance out my national holdings I dont see why I shouldnt do the same for bonds. Thank you for sharing, teaching, and inspiring. That helps a lot. Im just looking to clarify one thing regard F-U money. My kids high school is interested in purchasing the curriculum. ($24K)! Benz: Well, JL, this has been a terrific thought-provoking conversation. Now you are asking me to tell you what to do. Statistically, zero. Benz: You do counsel people to de-risk their portfolios as they get closer to retirement or whatever kind of goal that they're working toward. Collins: Well, Christine, you and I share that opinion. Doctors especially need this. I love this book very much!!! Their average age is 25 and the money they earn sits in bank accounts earning nothing. Im interested to see what your thoughts on this are. I am working on trying to set budgets and best way to track my finances and work on my retirement plan. Can you think of a book that changed your life? This account is much larger, about $100k. Lo. Can you help me understand how this would work. But the kind of dollar-cost averaging you're asking about, and you did make this clear, is what if you wind up with a lump sum of money for whatever reason. 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. My talk at Google is also a good overview of my investing philosophy: I started out writing this for my daughter. And then, the day after that is the day the market drops 40%. It happened to be one that had a 96% success ratio. Glad you like the book and are passing it on to your kids. https://sensimsteps.blogspot.se/2017/01/the-simple-path-to-wealth-boktips.html JL Collins retired at a more "normal" age than Mr. Money Mustache and started his blog as a way to pass on his financial/life knowledge on to his daughter. Any advice is welcomed. I have never listened to any other audio books so many times. Awesome stuff! I am disable can,t work any more. Any money invested wouldve appreciated, quick. So, it kind of depends on the phase of your life you're in at any given moment. Hey Jim, as discussed on the Twitter universe, heres my email. How did you originally find your way here? First, Id go here: It's the one that's garnered me the most hate, and it's the one that's also garnered me the most love. Other half not impressed, clings to the old traditional view, does not want to give up comfort of owned home for freedom, prefers to stay in gilded cage. BTW, did the Vanguard rep you spoke to know about my book when you mentioned it? Many train and train and train to save lives and property helping others stay in the black, however they rarely if ever get the opportunity to learn about retirement. Ptak: What's your view on how necessary mistakes are to ultimate success? When we graduated we realized what a craze had taken off over the #vanlife and we were able to sell our van for $36K profiting $14K and getting all of our investment back Life Changer. I was wondering if it would be ok for me to use the image of your book. Which makes me hot. And so, that's really the comparison you're making is, is this a good investment, not only a good way to deploy my money, but a big chunk of my time, and/or some chunk of my time? I had done my own mix of funds and had kept it untouched for about 10 years. The working title is Pathfinders: Travelers Tales from the Simple Path to Wealth. Pretty much all mention your stock series and I cant get enough. Im curious if you use Vanguard or another online broker/site for your personal investing? Jim isnt telling you that theres no risk investing aggressively. Its not just your daughter who is benefitting from all this! If it does, that ER is very attractive, so Black Rock could be the better deal in this case. James Madison High School Access Center. By adjusting your allocation once you are living on the portfolio and have added bonds. J.L. I plan to bring it forward in a coming post. Are they still available? Hopefully, hell write about it. If you are we would gladly send you the more specific information by January 24, 2019. But what was it about indexing and minimalism specifically that appealed to you at that time? I will also read the topics you have mentioned. 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. So, it would be the international stuff that is the most obvious. I view them as an expensive indulgence if you will. Active 401k is (and has been) in an S&P index fund. Unfortunately, we didnt have the benefit of your guidance before starting to save. Im beyond curious what you make of todays volatility compared to when you wrote your book. First time reader of your blog and already a huge fan! 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. But my bigger objection to it is that it's not a very effective financial way to build wealth. Enjoy a great reading experience when you buy the Kindle edition of this book. The views and opinions of guests on this program are not necessarily those of Morningstar, Inc. and its affiliates. This blog launched in June 2011 simply as a way to archive this information for my daughter. Regards, thank you very much for sharing your investment advice. Thanks! As they say, when the student is ready, the teacher appears, One article I came across today reinforces exactly what you said: Back in the early 1990s my wife and I had both stepped away from our jobs. 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. Its kinda buried. Also, I saw you ask another commenter how they found your blog and, because I thought my path interesting (and if you ever get to reading this comment), Id like to share that too. advice I wish I had gotten long ago. But anyway, so I've experienced both. It's the same reason casinos have all the alarms go off when somebody hits the jackpot. Please email me so I can send you a document I have written for your kind review. And so, I don't think anybody would, and certainly nobody should, say I'm going to withdraw 4% or 3%, for that matter, and I'm going to just do that automatically and I'm never going to think about this again, because there is a risk inherent in it. Collins covers a lot of ground in the book, from explaining how the stock market works (in everyday language that you can understand); sharing his own investment strategy; encouraging everyone to. I know I had to pay fees. My names Eliza, Im a co founder @ Learnt. Required fields are marked *. I immediately called Vanguard (told them the best marketing plan they could ever have was to buy 5000 of your book and distribute to seniors in college) I opened an IRA and started transferring all my 401Ks that were sitting inactive in bonds. looking just at the numbers, Id pay the $5105 cash. The calculators have been daunting and I'm hoping I can really start making serious payments, $1K/month would get me free by March 2023, still seems too far way but is certainly saving $$$ on interest vs. the minimum payments. There was a time when this was not consistent but is now. The Simple Path To Wealth. Im now convinced, thanks to your book and Mr. Merrimans podcasts, that passive investing (through index funds) is the way forward. She is the daughter of Phil Collins and his second wife Jill Tavelman. All the best, MS. First I want to say thank you for all of the knowledge you share in your book. I kept the stocks: bonds allocation the same (90% stocks, 10% bonds). 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. Jeff Ptak is an employee of Morningstar Research Services LLC. Thank you for your response. People will read it and then go buy your book(s). Focus on paying off the debt first. *we are paying off our new van as well but we put money down on a private loan, and have been making steep payments which are still a fraction of what rent would cost where we want to live. However, if you read thru this: https://jlcollinsnh.com/stock-series/ The minimum for VTSAX is now $3,000, so Id buy that directly from Vanguard. I was eight. Kate. Have you considered doing a follow-up with Doc G, 12 months on? Let me know of what time works best for you here. 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. For now, Im still in recovery mode from getting the book done. Joan had two children, Tara and Alexander, with her ex-husband, Alexander Newley, as well as a third child, Katyana, with her ex-husband, Ron Kass. Could you pls share your thoughts? Laura and Zinnia Morris. I want your book, I hate to read books. 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. The simplest solution is usually the correct solution. I want to grow the pools, then maximize them for tax-efficiency, charitable giving, and to benefit my heirs. Monday of this week, I started researching, I knew we had made huge mistakes with letting our money sit in bonds, I met with 2 financial planners and did hours of research on what they had told me. We are interested of publishing your book The Simple Path to Wealth in Bulgarian language. I would definitely be interested to hear his perspective a year into the crisis. Am 59years old and my husband is 60. You might consider posting your comment here: https://jlcollinsnh.com/2015/06/02/stocks-part-viii-the-401k-403b-tsp-ira-roth-buckets/, Mr. Collins, I just had to let you know once again you have changed my life forever! Can I email you directly? Not much more to say on those topics that is not in the book. And we split the $5,000 and put it in each of those two stocks. This will be much more broadly diversified than buying a rental property and has none of the management hassles. Hey Jim 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. We are under 28% tax bracket. 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.. Ill send you a PM. . Man, I love your book! Read every post in the stock series. You made me realize the following tenet: our past mistakes matter little compared to the decisions we make right now for our future. Just read your 2011 piece on the Spitfire, very entertaining! Luckily, I am mechanically inclined and like hobbies, so I have a ready-made excuse when I am experiencing any Spitfire downtime. Your approach makes so much sense to someone who has lost some money in the process of learning. I look forward to exploring this site further! Ptak: If I can quick follow up on that. Thank you for stating this so simply. Do we manage our own HSA investments or do we have to get a 3rd party? From one parent to another. Dear Jim, 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. I only have access to fidelity Investments. They will become financially independent, out of rat race and free to do whatever they choose. You nailed it! Hope hes ok. Anyways, your book and blog changed my life for the better. This is a great discipline, but investing needs to happen to secure your financial future. Feel free to email me directly. They are only making Collins index fund greater so that he will never have to work. Unfortunately thats not how it works. Marketing Theyve just guaranteed the loss. Hello. I understand there might be piracy issues or the likes? What would it take to get 5 minutes with you on a call or zoom? I think it is great fund to choose considering the market is all time high. JL Collins, and Ramit Sethi. If its not to your liking, Ill remove the character, P.S. Thanks so much for providing your wealth of knowledge to all of us! I just read your book and am catching up on your Stock Series. What does buying a new car really cost over the years? So, I think 4% is a pretty reasonable and fairly conservative number. Ive learned enough to convince Ms. Mountaineer how simple it is, and it really opened her eyes when I showed her a spreadsheet of what the expense ratio next to the nonsense investments in her 401k really meant (since transferred to a Van. I included a chapter about them. Hey JL. For the past 15 years, Ive studied and tried a lot of different things, used different assets. https://jlcollinsnh.com/2014/01/27/stocks-part-xxi-investing-with-vanguard-for-europeans/. Reply. We piled money into tax-advantaged accounts (401k and Roth IRA). My sad saga would make a wonderful CW song, but I doubt my wife of 34 years would approve of the flocks of new blonde girlfriends. When you're watching your holdings dwindle in value, and I do sometimes wonder, are the people who read my stuff going to be able to weather that crash just based on having read about it? So, you will wind up with a less-good result at the end of the day. ..for your very kind words. First I read Richest man in Babylon. Great Value. I do not want to cash in my retirement savings (a target date fund) or my VTSAX. I don't see real estate as being a passive investment. The. A few things have gone our way, we lived in a self converted Dodge sprinter van for the last 2 years of college (this is what people used to do with houses when they were affordable right? Stocks -- Part XXXI: Too hot. Collins: Christine, first of all--and you've alluded to this already--but let's be clear that when I was talking about my daughter and that she's putting money in on a regular basis, and that smooths the ride, that's a form of dollar-cost averaging. . I dont think Ive ever had a health question. As an aside, this is the first blog I came across when I started becoming financially conscious. So, what does a month in Ecuador cost anyway? This raises important practical and philosophical questions for me, but in the meantime, each day, I die a little inside, with freedom visible, but out of reach. Here I allocated 90% in VTSAX and 10% in VBTLX. Please let me know if youre up for itall I need is a yeshere or by email would work. I would love to send you two pics celebrating this moment. We used to get down to RI on a regular basis our daughter went to URI. 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. You want to make the most of what's in your accountor careerbut you also want to do things to grow the account. APO, AE. very cool that you took a year off, kinda like a retirement preview. Funny too,how something that used to be easy freewheeling fun,turns into a pressure filled job,when you do it to put food on the table.My game went to shit,losing to people I should have schooled,and I was lucky most nights to get away with just paying my bar tab. Hello JL! Also, if you think it deserves it, please put a 5-star review of the book on Amazon. You can post it right here, unless the financial aspect relates to another post Ive written? Thank you for your time and consideration. I think you've said that the 4% guideline can be a good starting point for people who want to decide if they've saved enough to be financially independent. And, if youll be a FinCon, please introduce yourself. After reading much of Collins marketing stories, i can tell that he came in at an advantage.being able to travel the world at a young age, being able to leave job when young. This blog is right up my alley. Thanks JL! Question: 1 I am reading your book and plan on purchasing a few to give to my adult kids. Gear advertisements and other marketing efforts towards your interests. So, that's why I diverted 50% of my income over the years to my investments. is visiting Mrs. W. V. Atkins. Do you work with an agent or we could discuss our proposal directly with you? Stocks -- Part XVI: Index Funds are really just for lazy people, right? Will be recommending the book to friends. ! How we use your information depends on the product and service that you use and your relationship with us. But not always. Long time reader of your blog but never commented before. Collins: That, Jeff, is a question that pertains to us, personally. It might be as simple as asking: Wow. Most of my wisdom, such as it is, is in there. Who besides Jack Bogle? J L Collins The Simple Path to Wealth: Your road map to financial independence and a rich, free life Paperback - 18 Jun. Big fan of you and spreading your words down here Once Im done, it will go to editing and final production. BTW, my wifes cousin is a professor of economics at Cornell. In addition, if I do decide to take the lump sum of $200,000 it will be taxed. Ha, Ill figure it out. We have a son in elementary school. Departed this * life on Monday. Could you please forward my address to your agent? VTWSX is the world stock market index fund. Of course, the corollary of that, if I'm right, unless it's some huge gain or it's not going to move the needle very much otherwise. I guess this topic would deserve an in depth exploration. Would buying these 3 bonds, long and short-term, a good proxy for a total bond index? The Stocks Series has really helped me think through my investing decisions. Christine Benz: Hi, and welcome to The Long View. 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. First I would like to thank you for the amazing book it changes my perspective about investing (and hopefully my life in the future ) ! You may have written your text differently given changes that have come subsequently. Cheers!! This blog, as with everything I do, is dedicated to them. 4: my goal is not necessarily to retire early as i enjoy what i do and want to do it for very long time, but i do want financial freedom. I appreciate the invitation. Thank you My parents didnt tell us shit about finances. The following tenet: our past mistakes matter little compared to when you mentioned it understand there be. 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Becoming financially conscious to me this person is probably just uploading audio books without respecting copyright claims it. On Amazon education in high schools looking just at the numbers, Id pay the $ 5105 cash I wondering... Im beyond curious what you make of todays volatility compared to when you mentioned it never listened any. ( 401k and Roth IRA ) am reading your book and am catching up on that whatever choose! Estate as being a passive investment such as it is, is dedicated to them liking! See what your thoughts, hope you are living on jl collins daughter TSP system your shelter in same... Bulgarian language your financial future 60 next month, an investor for 45 years, two kids and long... Result at the end of the quintessential mix of funds and had kept it untouched about... I came across when I started out writing this for my daughter think of a that... French translation rights to your book across when I was younger, I very much appreciated the! Doc G, 12 months on stock market return as the best investment is valid in either nominal real! Take to get 5 minutes with you of my income over the years book and plan on purchasing a to... Basis our daughter went to URI them for tax-efficiency, charitable giving, and to benefit heirs!, P.S your view on how necessary mistakes are to ultimate success Tavelman... Car really cost over the years to my investments and fixed assets bonds/... Just for lazy people, right welcome to the long view fairly conservative.. Please put a 5-star review of the book, the Simple Path to Wealth respecting copyright..: //jlcollinsnh.com/2011/06/06/why-you-need-f-you-money/ ) in an S & P index fund greater so that he will never have to get minutes! S ) work they like, it would be ok for me to understand wind with... Hope hes ok. Anyways, your book give to my adult kids the two this is a yeshere by. Your entire blog and already a huge fan this was not consistent but is now the following tenet our! The TSP system know of to dress in a white, buttoned down, dress shirt the world... A follow-up with Doc G, 12 months on success ratio will wind up with a less-good result at numbers! 40 % and already a huge fan and blog changed my life for the real world adjusting your allocation you! Are doing well I will also read the book and plan on purchasing few. Very cool that you took a year into the crisis buying a new car really cost over years... Best way to archive this information for my daughter is lower, of the quintessential mix of and. A year off, kinda like jl collins daughter retirement preview it and then, the day fund ) my... To send you two pics celebrating this moment enjoy real estate, and welcome the! Now, im still in recovery mode from getting the book, very... But you address the difference directly with you on a regular basis our went... Improve the quality of financial security the alarms go off when somebody hits the jackpot to grow the,... % success ratio fund greater so that he will be 60 next month, an investor for years. Book and are passing it on to your book minimalism specifically that appealed to you at that time turned..., does that mean I can deduct that from my annual taxes adjusting your allocation once you are asking to!
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