Like we have at 43 only 2 years ago. I'm not a huge fan of them, because they are a fund of funds, and they own some funds that I wouldn't choose otherwise. and the taxman cometh. Id really appreciate it if youd let me include you in this project. You didnt account for inflation(and fees, which are harder). J L Collins The Simple Path to Wealth: Your road map to financial independence and a rich, free life Paperback - 18 Jun. This is the basis for the "Stock Series". 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. Podcast? You can read my thoughts for yourself and then decide. The only time that you benefit is if in fact the market drops, whether it drops suddenly or just drifts lower over that year, then it will work in your advantage. Jenat is here. Though it is a younger ETF, it seems VOO has slightly outperformed VTI historically. Finally, I have a no-nonsense guide to securing a bright future for us and our new child. This is a tough one since you are gifting them my book. Mr Collins, Thank you for your brilliance and humor in Simple Path to Wealth. Nice to hear from you and glad to know how well things turned out. Any additional tidbits or motivational bullets on: Beside clearing my debts I dont know the exact order in which to go after the above three. But in my world, you need to think of it also as a part-time job and whether you try to find a property manager or you manage it yourself. I know I had to pay fees. 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. I would provide you highly SEO optimized content. Would also like to explore how we can license some of your contents on this blog. 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. Mrs. Atkins also has as her guest Miss Sadie Coleman, of Spalnville. If you're going to panic and sell, you don't want to follow my advice, you don't want to be in the market at all. The fact that they are willing to take 20% less says a lot about how much padding is in the bill and about how afraid they are of defaults. This has confused me. But still . Wed love to work together. However, it took years for the research to confirm this, and for it to be accepted and believed. Good for Jims blogger fans to see how the Red Road merges with business, life and money. I thought I had found the holy grail. StocksPart XIII: The 4% Rule, Withdrawal Rates and How Much Can I Spend Anyway?" A Fortunate Son, to be sure, but hes not like most of us in America. The information seems to be available in German only, however: https://www.de.vanguard/de/fonds-etfs/fondsliste/weltweit. hello from India. 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. 1. How did you happen to choose Mr. Chesterton as the character model? Thank you for sharing the knowledge and information meant for your daughter with the rest of us. Glad the book has helped. I noticed you commented frequently over there and its one of my favorite blogs. 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. . 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. I guess I make one, hence otherwise one would read more about this topic. I was surprised that in your book (chapter 30) you advocate for using (withdrawals in retirement) taxable investments as compared to using your Roth IRA investments. Should I look to bundle my money together in less funds? 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. You usually reference Vanguards and just call it a day, and then maybe eventually add bond funds for ballast. Morningstar and its affiliates are not affiliated with this guest or his or her business affiliates unless otherwise stated. I have a question on the actual return. . Im now looking at investing in regular intervals. Its a little late to be starting an IRA (I am 35 and she is 33) for her but I figured better late than never. Hey JL. Paperback: 286 pages So, at what point do you suggest that people should add bonds to their portfolio? Thanks for writing a book about finances that is down to earth!! I cannot imagine doing the same to one of my patients. Thanks for the reply, I kind of guessed you would answer in this way. I recently saw this article where Michael Burry (the hedge fund manager who shorted the 2008 housing market before the meltdown) predicts that passively investing in index funds will result in a bubble similar to what was seen in the 2008 financial crisis. and going with your advice, paying off the highest interest rate loans first. Having money to travel in your 60s and 70s is useful. Is it really still as simple today to say, the market will always go up? These days they are telling me how much they liked your book and what action they took after reading it. And in that case, as you correctly say, I am not a fan. Why have you not chosen to do that? Id writing to ask if I can interview you. As I say, I've owned them for most of my adult life, but don't buy them as an investment; buy them when you can easily afford them, and they provide a lifestyle that you're looking for. . I have a question I just retired from the postal service I have a 401 k home that i am paying a mortgage and rental property. 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. 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. It all would have been extremely How about the BlackRock Dow Jones fund? Blowing my mind. Any idea why you chose to list Kashmir separately? Very similar to the build-up to the 2008 disaster, in which every square inch of open land has been turned into mud, with cranes and construction vehicles proliferating like ants. Im interested to see what your thoughts on this are. Thanks for your interest. I have read every post youve ever created, and I find your style funny, engaging, and right on target. Hi, Im Katharina from Berlin and have been reading your blog (starting with the stock series) for five years now since it was recommended to me by a friend from the US. I would lose the F-You money. I think I have the explanation! I have been self-directed my entire life, have made numerous mistakes along the way, I have done fair to good, however, I settled into your approach about 15 years ago. I am concerned about the incurred capital gains. And I may have forgotten one or two. As Im just beginning to reallocate my funds to invest in Vanguard ETFs, I do have a question on whether it would be better to invest in VTI (Total Stock Market) or VOO (S&P Index)? Read the Coffee House Investor and just finished The Bogleheads guide to Investing (Lindauer, Larimore & LeBouf). Thoughts? There is still a $3000 initial investment, but a 0.04% expense ratio. And I know that people make the case, well, I can get a property manager and what have you. Im aware NH derives the vast majority of its revenue from property taxes, and theyre some of the highest in the nation at 2.2%. 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. 1. 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? Thank you for sharing, teaching, and inspiring. So, though I managed to do decent, the S&P still beat me! The stock market is just a way for you to lose money. And I imagine that's going to be the reaction a lot of these people who go into these meme stocks, or who just go into the stock market in general without taking the time to educate themselves, and the market will leave you bloody if you do that, and most people are going to say, Wow, that's a terrible thing. It took stumbling on this blog and approximately 48 hours later to move all my sons 529 funds into VTSAX. https://sensimsteps.blogspot.se/2017/01/the-simple-path-to-wealth-boktips.html If there are any questions, please feel free to ask us. Let me first give me background. Hey JL. Ptak: I wanted to shift over to real estate if we could. And, of course, it depends on the person who is reading it. Wed like to share more about how we work and what drives our day-to-day business. 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. 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. Fast forwarding I quit drinking at age 22, I was a bit of a trouble maker in my youth and my student loans went to paying for some of my mistakes. I hope I can accomplish some of what you have. I am just getting ready to retire and roll my 401K which is already in Vanguard through my company and am considering leaving in with Vanguard and just moving everything to Vanguard Total Stock Index Fund. I recently bought $30,000 worth of VTSAX using some funds I had in my savings account. And I've started working on or thinking about a new post where I'm going to list some of the key books that I like. You just have to learn to accept them if you're going to be in the market and enjoy the long-term gains that it can provide. Hey Jim! Like you, I wish Id had my book then. I am 61 and have been investing since my late 20s. Many tag me as being anti-homeownership. PROSPECTIVE SURVIVOR PER YEAR $ 28,021.44. Im am a big fan of you from Israel. However I couldnt find an email for you. These morphed into jlcollinsnh.com with its international audience and now famous Stock Series; which in turn have led to this book. And the feeling was that if people owned their own home, they'd be more settled, they'd be less likely to be restive. With that being said, should I own some precious metals to hedge? We have to sit back and say, OK we have to make a choice. Best of luck as always, and hope you find your illusive inner-self. We are also saving for his college vanguard age based aggressive portfolio(Yearly $5000) from last year. Gerry, Thanks for posting the story here: https://jlcollinsnh.com/2016/07/07/reviews-of-the-simple-path-to-wealth-gone-for-summer/#comment-4216305. Low cost broad based index funds is the best solution compared to picking any select sector of stocks. 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. To be 100% transparent, at the moment I dont have significant wealth, and Im in my mid 30s. 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. We bought the van for $16K on a private loan, and put about $4K worth of improvements, full cooktop, bed platform, sink with running water and solar power of course. Unfortunately, I dont have anything to do with the sale of it. His latest book is How I Lost Money in Real Estate Before It Was Fashionable. So, that's one of the core reasons, I'm not a fan of dollar-cost averaging. I know vanguard is the best option today, but still uncertain if it should be roth or a regular brokerage account. Thank you so much for consolidating and organizing your blog posts into a great book! With all this said, I seek to grow all three buckets of resources and find your writing super helpful toward that end. Was in touch with Anna previously but it didnt work out. I was buying what was most important to me. He is receiving from seventeen to twenty thousand dollars a year as General . Appreciate how you can make apparently complex concepts seem quite simple. Thank you very much and I hope to hear from you soon! We appreciate your book and thank you. I look forward to hearing from you. Enjoy a great reading experience when you buy the Kindle edition of this book. Your book has become my second bible! Be sure to read the important Disclaimersregarding the content and advertising here. Im beyond curious what you make of todays volatility compared to when you wrote your book. Happened across your website via MMM. thx. Sure, as long as you cite jlcollinsnh.com as the source, go ahead. You can't predict when they're going to come. https://jlcollinsnh.com/2014/01/27/stocks-part-xxi-investing-with-vanguard-for-europeans/. I just randomly came across your You Tube recording with Google, A Simple Path.. I read your book and other authors about investing. Ive read dozens of finances books, but you and Kristy change our familys fate, for which we are deeply grateful. She was in college and interested in anything but investing. an online bank account where you buy and store gold, basically putting your savings on a gold standard. Dow Jones Industrial Average, S&P 500, Nasdaq, and Morningstar Index (Market Barometer) quotes are real-time. First, Id go here: 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 . I understand there might be piracy issues or the likes? His stock series is THE place to start for anyone wanting to learn about personal finance, and is one of the most highly rated series in the blogosphere. Your work empowered me to take charge of my own financial life. Collins: Jeff, there wasn't a road on Damascus kind of moment. He wasn't working at the time and told her that they were doing just fine as they had money that was working for them instead. Also, I do have one more question (I hadnt noticed the ask section till after Id originally written). Keep writing your blog and educate people like us. Well, JL, the information you provide in your book as well as your blog give credence to the Occams Razor principle. And I'm not against international exposure, but I don't see the need for it. I didnt sell a thing in 2008-09, just continued plugging away and investing with every months paycheck, and was back to my previous valuation within about three years. Hello Jim Im been reading your posts for a long time and using your advice to investing. I will forward your contact info to my agent. They are offering payments of $212 per month interest free for 30 months. JL Collins is one of the best financial bloggers on the web. Great website, great ideas, crystallized all the vague ideas floating around in my mind, brilliant, great, fabulous, yes! : I would think that the taxable is a great pool to give to your heirs, given that it will have a step up in tax basis at the time of death. Hope your daughters enjoy and benefit from the book. I actually read the book, The Simple Path To Wealth, in April 2020. Ptak: What was the breakthrough for you where you came to embrace indexing and minimalism? Just getting into investing, though. What lifestyle do you want (assuming you can afford it)? A single 25-year-old banker in San Diego can sleep on the park bench, eat out of the McDonalds dumpster, walk to work and save 99% of their income. Im sort of retired and he is still working a very full time job. However, I just dont have to the time to become as involved in your site as you suggest. How I lost money in real estate before it was fashionable, Part I: Impossibly Naive. Luckily, I am mechanically inclined and like hobbies, so I have a ready-made excuse when I am experiencing any Spitfire downtime. VTSAX was created in 2000, but you use other stocks as representations of the market before then? I just get headaches having to subscribe to amazon or apple or audible for 1 book then canceling when not using and or forgetting to cancle subscriptions . Maybe you should read through his posts or book. Love the way you present it and am excited to start on the FI path myself. Marketing My (lazy but brilliant) 15 year old read it, enjoyed it, and did an English project around it. Heres a podcast episode to get you started: We provide a platform for our authors to report on investments fairly, accurately, and from the investors point of view. On rent vs buy, I would divide up life into three phases: If you are single or just married/no kids, rent. But it sounded to me like a good idea to archive the information. Dear Mr. Collins, Sounds like they are offering a 20% discount if you pay cash: Trying to decide if I should leave that alone or move it to VTSAX. I would greatly appreciate your time and opinion, Mr. Collins. Our plan to achieve FI before my husband is 55. That one came out in 2021. May this act of kindness grow huge dividends in your life financial and otherwise. VT is the ETF version of VTWSX. 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. THANK YOU! JL Collins' first book, " The Simple Path to Wealth ," was published in 2016 and has been an international best-seller and a Bogleheads favorite. LOL, [I had intended to just email you this, but I couldnt find your email address.]. Their average age is 25 and the money they earn sits in bank accounts earning nothing. This site is protected by reCAPTCHA and the Google 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. Keep it up! appearance wise, the character looks like this author, minus the mustache: https://en.wikipedia.org/wiki/G._K._Chesterton, This is certainly one of the most unique comment Ive gotten so far. 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 1. The index tracks the stock market not how much money is put into vtsax. I acknowledge this. Summary. During this time we realized a void in the #vanlife world for dedicated small solar specialists and so we of course started an LLC (Tiny Watts Solar) and formed a traveling solar business dedicated to powering all things tiny, van conversions, RV's, boats, tiny homes etc.. We bought a new 44 Mercedes Sprinter van under the business name as a company vehicle/depreciating business asset and had the capital to fund the build out. 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. 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. If you find anything useful here, feel free to share it with your classes. Chautauqua 2014: Lightning strikes again! So, mistake number one. And, of course, that was salvation for my mother. Back in the midwest now. 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. JL's latest book is How I Lost Money in Real Estate Before it Was Fashionable. Maybe there are some valuable experiences by people who have a long time of retirement behind them? While you will be hit with a tax on any capital gains, you are correct that you are also stepping up your cost basis with the new investments. . I called my husband at work and told him to find out if his was transferable while he was still employed and if not I will get as close to the same funds in Fidelity and switch everything around. I agree with your calculations but the first question that has to be answered in non-economic. 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? Thank you. 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. approach that spoke to me as I prefer things to be as simple as But anyway, every market crash has something different and unique that triggers it. But I think for most people, it's going to end in tears, or it probably already has ended in tears. Even more fortuitously, I stumbled onto your blog last year and in no small terms, it changed the course of our lives. Fortunately she is doing better and we are now experiencing sticker shock for the bill. Case Study #I: Putting the Simple Path to Wealth into Action. Small (or large or value or growth) stocks have outperformed your stupid VTSAX.. I like very much the content on your site and have a proposal that might interest you. It is an actively managed vanguard mutual fund but much lower fees comparing to other actively managed funds. JL Collins in the New Mexican desert in the 1980's When did you achieve financial independence? Hey Jim 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 love this book very much!!! The Psychology of Money, by Morgan Housel, Why Does the Stock Market Go Up? She also leave* to ft mourn their loss one son. I will be calling Canada home soon which is why Ive opted to trade on the TSE. A google search later and I came across your site. As you say in the book, they are expensive! 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. How we use your information depends on the product and service that you use and your relationship with us. We have Korean publisher who got interested in your above title, and would like to know if Korean translation rights are available at the moment. And it's a book, by the way, that will sit on my desk going forward just as a reference, because there are a lot of things that people say, What's the Federal Reserve, JL? And I kind of blunder around trying to explain that, because I've never really thought about it. There was this comment in marketwatch that recommend this site and I find topics here are both informative and entertaining. Questions like yours fit best here: https://jlcollinsnh.com/ask-jlcollinsnh/. 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. The other option is I remain in my current situation and just invest all future monies with Vanguard. Jim, great site. If I retire at 60 from my present job this is the result. Jim, Id like to invite you to a speaking engagement with a personal finance club in the greater DC area in early September. I routinely cruise a number of FI blogs, but havent seen anyone discussing the impacts of our current inflationary economic environment. Do you have a time frame in mind? And how did you find your way to the minimalist investing path that you embrace today? Loving work, loving our clients, excited to keep growing. Life, for the first time, has a clear path for me. Looks like you are in Europe, so this post should help. Having had a Mini and a MGB a few years earlier in my life, I knew what to expect from a British automobile. Stocks -- Part IV: The Big Ugly Event, Deflation and a bit on Inflation. P.S. I hope they're also reading the part where I'm talking about you have to expect crashes. Lo. Now I am off to read more of your musings.. Other than most of it is informative Only MOST of it??!! 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. If this is something you do, please let me know. If so, please kindly let me know if we could receive PDF or reading copy by email for the publishers review and we will get back to you with their feedback. Blessings for your continued work and impact. 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 guess this topic would deserve an in depth exploration. LUCRETIA. 17:47-23:40 J.L.'s advice on investing: the simple things are the most worth it. It has been a great ride so far, even if I wasnt always astute enough to appreciate it at the time. The rent vs buy should be looked as what minimizes a consumption expense. Thanks for writing and sharing these ideas. David B. I have a financial question related to a health issue.where would it make sense to post it? I came across your site and I think it can be a great fit for my Case Study #3: Let's get Tom to Latin America! However the downside is what we are seeing now. My name is Pavlin Yakimov and I am the manager of AMG Publishing, Sofia, Bulgaria. Twenty years from now, it may be that if you bought a house in Detroit, maybe this is the new renaissance city, and you'll be the one who has done very well. I work in the investment industry and love the investing world, too. We wanted to share it with you. The Dow holds about 30 stocks and you can Google to see just which ones and how they fit your goals. Also I am planning to invest $30,000 every year in taxable account apart from 401k and roth (We are maximizing both of these from last year) till we achieve FI. Youll never find a wiser advisor with a bigger heart. This blog launched in June 2011 simply as a way to archive this information for my daughter. Case Study #9: Lars -- maximizing some good fortune and considering "dollar cost averaging". S&P 500 ETF i think i would have made different choices. Using nominal dollars looks too good. Your book was the very first investment book Ive read, and I was impressed at how easy it all should be. I came across this one VBIAX. I plan on putting in $500 every month to start with. And again, I think a great companion to my own book, if I can say it. I am as well Can you help me understand how this would work. Report DMCA. If you can buy them commission free and if you can resist the urge to trade, they work just fine. Both have very good 401k plan and has lot of low cost vanguard funds. I have recently taken the dive into your stock series and as a father with a young daughter I am very appreciative of everything I have read so far. Was this the right email to get in touch with? Mr. Collins is currently traveling and unable to respond just now. Thanks, too, for your take on my homeownership views. And more. so i have finally decided on the two funds Plus, since they are bought and sold like stocks, they often have trading costs associated with them. Do you accept sponsored posts on your website? 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. My first real job was scrubbing out big metal ice cream cans. Houses are an expensive indulgence, not an investment. This threw me off. Thanks. , BTW, am I correct in thinking you are African American? 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. Ptak: As much as you're a true believer in total stock market, you've indicated that sometimes you feel a need to scratch an itch to buy an individual stock. This IRA is actively managed and I want to transfer it to Vangaurd and invest in the index funds. 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. Volunteer work through Junior Achievement in Los Angeles. Jim: I have been wanting to write for a long time, I hope all is well with you. Therefore, we believe personal experience can be very beneficial in helping individuals from the Finllect Community whether it is through a podcast, video, blog, and so on! I too worked in the publishing/advertising game, now in real estate. Three months ago I bought my 2nd Triumph Spitfire, its a 1980, 1500. No real strategic reason. As you know, I like what I have read of your stuff. The road to Zanzibar sometimes goes thru Ecuador Chainsaws, Elm Trees and paying for College, Snatching Victory from the Jaws of Defeat, Top Ten reasons your future is so bright it hurts my eyes to look at it, The Most Dangerous Words Your Customer Can Say, Why I cant pick winning stocks, and you cant either. And the right attitudes that you need to have to do that. Ptak: As you point out, sometimes people can get lucky in the property market. Am I on the right path?? The market did bounce back in stunningly a short period of time, which, of course, I had no idea that it was going to do and nobody else did, either. Great Value. My take can be found in the third part of this post from last year: We are a Taiwan publisher, and would like to inquire on the status of the book: The Simple Path to Wealth: Your road map to financial independence and a rich, free life Paperback June 18, 2016 by J L Collins For your brilliance and humor in Simple Path to Wealth, and hope you find your writing super helpful that! 9: Lars -- maximizing some good fortune and considering `` dollar averaging! Not like most of us change our familys fate, for the bill my daughter VTSAX was created in,! So much for consolidating and organizing your blog last year and in no small,. A number of FI blogs, but you use and your relationship with.. Doing better and we are also saving for his jl collins daughter vanguard age aggressive. 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