A Peek into The Simple Path to Wealth


SPW cover final

Word is, it is customary to provide a preview of an upcoming book. A sample chapter or two. I like the idea but, of course, with a twist.

One thing I’ve learned over the past five years I’ve been writing this blog, is what an impressive and talented group you readers are. Seems every one of you I meet is both smarter and better educated than I. Better looking, too. But you already know this. You are one.

Two months ago, I began a search for professionals to help me take my book from manuscript to published work. I networked in the publishing industry and collected recommendations. I came across very talented folks.

Recognizing what a resource my readership here is, I also put up this post: Help Wanted: The Book.

I like the idea of having those working on it also engaged in the concept here and the mission of spreading the tools of financial freedom. But, as much as this appealed to me, I resolved that I would select first based on ability and talent. If they were a reader, that would be a bonus.

Even using this exacting standard, every person who has worked to make this book a reality is also one of us. I think it shows in the results and I couldn’t be prouder. I’m going to introduce them shortly. But first, I want to recruit some of more you. If you might be interested, check the end of this post.

Ok. On to the preview I promised. Instead of a sample chapter, I’m going to share the bits that come upfront in every book. You know: Those parts nobody reads because they are crushingly boring.

My goal was to make them worth reading. Interesting. Relevant. Entertaining. Maybe even a bit humorous and fun. You can tell me in the comments if I hit the mark or no.

Here you go:

SPW full covers


This book is dedicated to my daughter Jessica, for whom it is written and who inspired me to write it. And to the readers of http://www.jlcollinsnh.com whose questions and comments over the years helped me more fully understand what those aspiring to financial independence want and need to know.


The ideas, concepts and everything else in this book are simply my opinion based on what has worked for me and what has kicked me in the ass. It may not continue to work for me and it may not work for you.

While I hope the book answers some of your questions and provides valuable guidance, I cannot possibly know the full details of any reader’s personal situation or needs.

As the author, I make no representations as to accuracy, completeness, currentness, suitability, or validity of any information in this book and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. All information is provided on an as-is basis.

You are solely responsible for your own choices. There are absolutely no guarantees here.


I am an avid reader. As such, I have read the acknowledgement page of many books. I’ve always scoffed. Sure, I’d think to myself, some people might have done a bit to smooth the rough edges, but the real heavy lifting was done by the author who is now just being nice.

Then I wrote this book.


The Simple Path to Wealth wouldn’t exist were it not for my editor, Tim Lawrence (www.timjlawrence.com), and that is no idle or simply kind assertion.

His guidance has certainly made the finished product a far better piece. But his relentless encouragement, persistence and faith in the value of and need for the book are what finally dragged me across the finish line. He even relentlessly forced me to pare down my use of the word “relentless” of which I am overly fond. But as he is not editing this Acknowledgement page, I get to slip it in again thrice more.

So arduous was this task, near the end he fled for the peace and sanctuary of a monastery. I’m pleased to report, after half a year, he has returned to the rest of us.

Since then he has been living nomadically. Last I heard he was somewhere in Southeast Asia. He writes about adversity and resilience.

Remarkably, he is still speaking to me.

Cover Design

Since the moment I first shared it as a work in progress, the cover of this book has received rave reviews. My guess is you would have given it one too had you been asked. So when I say designer Carol Chu (www.heycarolchu.com) did a brilliant job, I do so without fear of contradiction.

Where such talent comes from, who knows? I can tell you, she was a White House intern in the 90s (before Monica Lewinsky’s time) and she’s burned through three passports; collecting stamps from Haiti, India, Estonia, Japan, France, Denmark, Norway, Finland and Italy along the way. The Russian border patrol once detained her, seizing her passport.

She’s been a professional designer for over 15 years and outside of her day job, she’s illustrated three books and authored two. She restores and sells mid-century furniture with her poet husband as a side hustle. They met in a blizzard.

All that is well and good, but when it comes to her success with this cover and working with me, my money says the key is that experience with the Russians.

Cover Illustration

I love the illustration on this book’s cover. I’ve been friends with Trisha Ray (www.trisharay.com) dating back to my bicycle trip thru Ireland where she and her then fiancé kidnapped me, hauled me up to Galway for a music festival and then abandoned me on the side of the road to find my own way back. How could we not wind up friends?

She has lived and worked in twelve countries on four continents and currently resides in New Mexico with her musician partner and a worried cat. Now that she has sold her import/export company, she now has more time for her travels with backpack and sketchbook. Her book, Meanwhile“>, Back in Los Ranchos, is filled with her wonderful illustrations and short, well told stories about the adventures that lead to them. “I was arrested twice. Once for reckless parking and once for grave digging. I was guilty of both.”

There is even a story, with pictures, about me in there. But not about my kidnapping.

Interior Design

Mary Jaracz has worked as a professional graphic designer for nearly 15 years. She’s won awards for her book designs, a rock band T-shirt design, and for her homemade Oreo recipe.

Easily lured into a challenge, she’s learned a variety of art forms including glassblowing, ceramics, wood block carving, and fabric design. Mary and her husband enjoy trying to keep up with their late 1800s historic home and their two sons. She can be contacted at maryjaracz@gmail.com.

Should you need the inside of your book designed, or just a good Oreo cookie recipe, I strongly urge you to do so. Assuming, after dealing with me, she ever accepts another assignment.


Because I am a bit obsessive, I used two proofreaders. The two I found each had a bit more than just professional proofreading expertise.

Dr. Kelly Paradis has a Ph.D. in atomic physics and currently works as an academic medical physicist at a major medical center in the Midwest. So, of course, when she raised her hand to volunteer I told her she wasn’t quite educated enough to proofread The Simple Path to Wealth.

Her graduate work focused on the application of trapped atoms for quantum information and she now applies the principles of physics to treating cancer with radiation therapy, speaking both nationally and internationally about research applications in the field. So, then I figured, “Well, maybe.”

In addition to the proofing, she also checked all the math. Probably because she had learned to question my judgement.

When she’s not in the lab lighting things on fire or blowing them up, Kelly, her husband, and their cat Apollo write about their own journey to financial independence at www.frugalparadise.com.

Rich Carey is a Lieutenant Colonel in the United States Air Force so, of course, I told him he didn’t rank highly enough for this task.

He has spent most of his 16-year military career overseas. In this time, he has worked with NATO, the United Nations, various foreign militaries and law enforcement organizations, and has even been involved in international peace negotiations. He is fluent in Chinese and also speaks Japanese. More importantly, for my purposes, he is a native English speaker.

His avocation is financial independence and his approach has allowed him to pay off his D.C. townhouse and student loans in six years. He also has purchased several rental properties which he owns mortgage-free. He writes about his journey at www.richonmoney.com.

Fact checkers

As the concepts, opinions and approaches presented in this book often run counter to the norm, it was especially important to me that the facts be correct. So I used three fact checkers.

Two of the very smartest writers on financial independence out there today are the Mad Fientist of www.madfientist.com (a financial blog that includes the occasional travel post) who is still trying to preserve some of his privacy and Jeremy Jacobson of www.gocurrycracker.com (a long-term slow travel blog that includes the occasional financial post) who doesn’t care.

When I read their work, both these guys routinely have me sitting back in my chair thinking, “Wow. I never thought of that.” Or, “I never thought of that in quite that way.”  When you’ve been knocking around this investing stuff as long as I have, that’s no small thing.

They were just what I needed to keep this book on track.

As was Matt Becker of www.momanddadmoney.com. Matt is a fee-only financial planner. As you’ll read in the book, I’m a fairly harsh critic of the profession and many in it. But Matt is one of the “good guys” and his insights and perspective have broadened my own. This book is better for it.


As the book came together, I wanted to make sure it “worked” for my target audience.

What I needed were people who were smart, who loved reading and who knew little about personal finance but who were interested enough to read a book on the subject. I also wanted people who didn’t know me personally as to eliminate any bias.

My contacts connected me with three:

Tom Mullen is a globe-trotting Management Consultant and the author of several books on wine, travel and leadership.  You can find him, and sample his splendid writing, on www.roundwoodpress.com and www.vinoexpressions.com.

As an avid reader, middle school reading specialist and college professor, Kate Schoedinger was a perfect choice to read the drafts. She made sure the concepts in this book were clear for the non-financial-types, as she is, in her own wry words, “no financial professor or specialist.”

Brynne Conroy is a personal finance blogger and freelance writer. On her site, www.femmefrugality.com, she shares helpful tips and money tricks, largely in the realms of day-to-day savings and increasing income. But she’s only recently entered the area of investing, making her a perfect reader for this project. She’s smart, knows good writing and enough on the subject to make sure I stayed on track.


Pete Adeney, a.k.a Mr. Money Mustache (www.mrmoneymustache.com), graciously agreed to write the foreword. Pete is a major force in the world of financial independence and has been a longtime supporter of my blog and investing approach. He is also the first person I asked to be a speaker at the annual Chautauqua event in Ecuador, and he has been there every year since. Those were reason enough to ask him. The fact that he readily agreed and then proceeded to turn out the brilliant piece that follows, is humbling. I owe you, my friend.

Emotional support

Creating this book has been a long and sometimes stressful process. The emotional rollercoaster had me at times depressed, at times foaming-at-the-mouth raving and at times giddy with delight. My wife, Jane, endured it all without stabbing me in my sleep. That there is not an award for this is one of the great shortcomings of our civilization.

In short, with all their help, this book is as good as I am able to make it. Any shortcomings, flaws or inaccuracies are entirely mine and very likely result from those few moments when I failed to follow their wise counsel.

Thank you for reading it.


As I said, the readership around here is an impressive bunch!


Want to help launch the book?

If you are a…

  • blogger and you would be willing to write a post reviewing the book
  • a podcaster and would be interested in interviewing me about it
  • or if you have any other media outlet and would like to help your audience achieve FI

….please send me an email (jlcollinsnh@comcast.net) expressing your interest. In turn, I’ll send you an advance copy of the manuscript. Be sure to put what your media outlet is in the subject line. In a future post I’ll publish links to some of the best. Meaning, not just the most flattering, but the most entertaining, interesting, funny, insightful, compelling.

100 readers

I will email an advance copy of the manuscript to the first 100 readers who email me to ask for it. Be sure to put “reader” in the subject line. (If I don’t respond, either you didn’t put “reader” in the subject line and I missed your email or you weren’t one for the first 100.)

In return, I ask you to promise to put up a review on Amazon the week the book is released, which I’ll announce shortly. Not only promise, but actually do it. If you won’t or think you might not or aren’t willing to commit to this, please don’t take a spot from someone who will.

You don’t even have to promise to make it a good review, although I hope you will enjoy the book enough that it is. Just put up your honest opinion.

Here’s the email: (email address removed)


Well, that didn’t take long! All 100 have been claimed. Thanks for the enthusiastic response and the very kind comments many of you included in your emails. Sorry I can’t respond to them all.

My apologies to those of you who asked, but didn’t get in under the wire. I hope, when it’s out, you’ll still give it a read and a review.



If you have a website, I strongly encourage you to read this short post:

How pop-ups are the doorway to evil and the end of the world.

I wish I had written it, and I did comment on it. It clearly explains why there are no pop-ups here and never will be. I wouldn’t do to you my readers what I resent having done to me.


While you are waiting for my book to come out, my pal Darrow just released his second:

His in-depth analysis is well worth a read, especially if you’ve been asking yourself, “Can I retire yet?” Once you’re done, you’ll know.

Here are two more – not financial – I recommend:

Dr. Randall’s book was first mentioned in my post on handling mummy heads. She is not only a renowned Theoretical Physicist and Harvard Professor more importantly, at least to me, she is an engaging writer able to take complex concepts and present them in an interesting, understandable fashion.  Who knew a book on Particle Physics could be a page turner?

Dark Matter? Dinosaurs? Two of my favorite things wrapped up in a book by Dr. Randall? Of course it goes to the top of my reading list! No, I haven’t read it yet. It’s great. I recommend it. Reading it will only confirm I’m right about this.

More books I’ve enjoyed

Tuft & Needle:

If you’ve read my review, you know I love my T&N mattress and the company itself. Cool people, cool ethics.

Several times I’ve had personal friends call and ask: “What’s the real deal? It can’t be as good as you say for such short money.” It can and it is. Just last night one of these guys Skyped me to say how much they love theirs.

One of the cool things about getting your own T&N is watching it “come to life” once you release it from its packaging. Now you can see it before you buy in this captivating video they just sent me (you need to scroll down once you open the link).

Truth is, I still think it’s cooler to see in real life. But that’s just me.

Subscribe to JL’s Newsletter

Important Resources

  • Talent Stacker is a resource that I learned about through my work with Jonathan and Brad at ChooseFI, and first heard about Salesforce as a career option in an episode where they featured Bradley Rice on the Podcast. In that episode, Bradley shared how he reached FI quickly thanks to his huge paychecks and discipline in keeping his expenses low. Jonathan teamed up with Bradley to build Talent Stacker, and they have helped more than 1,000 students from all walks of life complete the program and land jobs like clockwork, earning double or even triple their old salaries using a Salesforce certification to break into a no-code tech career.
  • Credit Cards are like chain saws. Incredibly useful. Incredibly dangerous. Resolve to pay in full each month and never carry a balance. Do that and they can be great tools. Here are some of the very best for travel hacking, cash back and small business rewards.
  • Empower is a free tool to manage and evaluate your investments. With great visuals you can track your net worth, asset allocation, and portfolio performance, including costs. At a glance you'll see what's working and what you might want to change. Here's my full review.
  • Betterment is my recommendation for hands-off investors who prefer a DIFM (Do It For Me) approach. It is also a great tool for reaching short-term savings goals. Here is my Betterment Review
  • NewRetirement offers cool tools to help guide you in answering the question: Do I have enough money to retire? And getting started is free. Sign up and you will be offered two paths into their retirement planner. I was also on their podcast and you can check that out here:Video version, Podcast version.
  • Tuft & Needle (T&N) helps me sleep at night. They are a very cool company with a great product. Here’s my review of what we are currently sleeping on: Our Walnut Frame and Mint Mattress.
  • Vanguard.com


  1. Vicki says

    Hi Jim,
    The beginning of the book definitely “hits the mark” and the rest of the book is a HOMERUN! I thoroughly enjoyed the book and learned so many things. Can’t wait for it to come out so I can share it with my kids, family and friends. Your efforts shine through and the team you gathered to review it were clearly top notch! I’ve enjoyed checking out their sites this week as well. The best to you as you launch on Amazon. My review is ready to go! Also thanks for pointing out the link to the articles on pop-ups. As a new blogger and reader of many sites, I too close links whenever I get the pop-up. They are incredibly annoying and I would never want to get more readers that way. Cheers to you and have a great weekend!

  2. Dean says

    Jim, if I’m lucky enough to be one of the first 100, please send me a copy. I’ll buy it anyway if not 🙂 thanks for all you do

    • jlcollinsnh says

      Sorry Dean…

      I only looked at those requests sent to the email address I provided in the post.

      The 100 were claimed almost instantly and getting them out has kept me busy.

      I’m only now looking at the comments here…

      Still, I hope you enjoy it when it comes out!

  3. Eric says


    Can’t seem to find your email on the site, but would love a copy of your book. I’ve really been looking forward to it.

    • jlcollinsnh says

      Sorry you missed it, Eric…

      ..it was right under the offer.

      In any event, it will be out soon. Hope you enjoy it then!

  4. Dan says

    Gratz on getting the book out. It has been a long time in the works and a finished project is always rewarding.

    • jlcollinsnh says

      Thanks Dan!

      Three years in the making. Yikes.

      Good thing I didn’t know upfront the time and effort it would take…. 🙂

  5. Mrs. Paradise says

    I’ve read a lot of personal finance books and this one is top notch. I think it’s the first time I’ve ever laughed out loud while reading one. It was awesome to be part of the review team! I’m looking forward to getting my hands on a “real” copy of the book and sharing it with friends.

    • jlcollinsnh says

      Thanks, Mrs. P!

      With all the proofing you did, I’m surprised you can bear to look at it anymore. 😉

  6. Lins says

    Hi Jim,
    Grats on the book! Brilliant acknowledgements – really love the short bio and awesomeness behind every contributor to the book 🙂

    • jlcollinsnh says

      Thank you, Lins!

      I really wanted the acknowledgements to show case those who helped and to be fun for the readers.

  7. Lins says

    Popups are evil, followed closely by Satan himself – the in-paragraph links that are automatically generated by some malicious advert-revenue generating widget. You accidentally click and it takes you to some random website. Horrid.

  8. Mike says

    Good luck with the book Jim.

    One thing, and it’s the most important, that I like about you is that you’re interesting. You can’t be pegged and I know I’ll learn something that I’ve never thought about.

    Looking forward to your book.

  9. Julie Ali says

    Congratulations on the book. Writing a book is a ton of work and it is amazing to see your newly birthed book introduced to readers (plus assorted other squalling other newly birthed books) here.
    I will put the good news of this repository of information regarding financial salvation on my blog. Hopefully mummies will be induced to change some of their financial habits as I have been induced and transformed from a staid GIC holder to a tepid investor. I am going to be buying Vanguard ETFs solely based on your blog and my brother’s recommendations (I had to get a second opinion). I would probably not be making such a daring risky move (for me) but once I had read all the seductive promises on this blog about elevating one’s net worth in what appears to be a rather reasonable way, I decided I had to be brave and try it out. So I am.

    I appreciate your help.

    You are also funny which makes all the medicine of investing pills–more palatable to swallow. This section of your post was remarkably appealing as you gave thanks to the most important person in your life -your long suffering wife.

    Well maybe she isn’t long suffering but I am sure she suffered while you wrote the book as writers tend to be sensitive, puling sorts while birthing books (at least I imagine they are like this or why else would you say that you were so up and down?).


    Creating this book has been a long and sometimes stressful process. The emotional rollercoaster had me at times depressed, at times foaming-at-the-mouth raving and at times giddy with delight. My wife, Jane, endured it all without stabbing me in my sleep. That there is not an award for this is one of the great shortcomings of our civilization.

    • jlcollinsnh says

      Thanks Julie!

      Just be sure, if you invest, you are ready to stay the course when the going gets rough. And it will.

  10. Judy says

    Bummed that I missed an advanced copy, but excited that the book is about to be released. I recommend your blog to anyone who seems like they might be receptive. Now I can recommend your book as well.

    • jlcollinsnh says

      Thanks Judy!

      It is amazing, and very gratifying, to me how many people tell me they plan to buy multiple copies to pass out to their family and friends.

  11. Sundeep says

    Congrats, I wasn’t even close to the first 100, ha! I’ll gladly purchase a copy once out as yours is one of a few blogs I subscribe to due to the massive value you put out there.

    Thanks and good luck with the official launch!

    • jlcollinsnh says

      Don’t feel bad, Sundeep…

      They went fast.

      When I put up the post I was wondering if anyone would even be interested and how long it would take to get to 100, if it got there at all.

      It certainly leaves me encouraged for the success of the book. 🙂

  12. Aaron says

    FYI, in the “Fact Checkers” section, “financial independance” should be spelled “financial independence”.

    Good luck with the book! I’ve been a fan of your blog for a long time, and am excited to read a copy of the book when it’s published.

    • jlcollinsnh says

      It was right below the offer, where it now says it has been removed.

      Sorry you missed out, but all 100 were gone by the time of your comment anyway.

      Hope you’ll pick up the book when it is out!

  13. Ray says

    Jim, your book will be one of the few that skips right past the “preview from library before deciding on a purchase” phase, and will go straight into an Amazon order.

    I’ve repeatedly used your blog posts, which are as succinct and witty as any I’ve ever found, to open the eyes of friends and family. And I turn to your John Goodman impersonation when I need that extra kick in the ass.

    Did I miss the release date in the post above? Very much looking forward to digging into the book!

    • jlcollinsnh says

      Thanks Ray!

      Now you’ll have the book to pass around, a good reason to suggest it to your library as an addition to their collection.

      Nope, it isn’t out yet.

      I’ll do another post when it is announcing it.

  14. Jone says


    Yeah! I was a lucky one! Great book! I agree with Vicki that this book is definitely a HOME RUN! I won’t have any qualms at all with writing up a 5 star review on Amazon. In short, this is the book I wish I had the skills to write for my own son and will be buying him a copy just as soon as it becomes available. Thank You Very Much for taking the time to write all of this stuff down!

    I’ve been reading (and applying) the basic “spend less & invest the difference” mantra since the mid-90’s. George Clason’s Richest Man in Babylon from 1926 was my first book and got me hooked. Yet, even with my breadth of reading I still found nuggets of wisdom in your book. For example, I have already made my 2016 contribution to a Roth back in January but will certainly reconsider that going forward since I just sold my house and (willingly) gave up the ability to itemize. It might not make sense for me financially but your words certainly gave me something to consider and pull out a calculator.

    I don’t want to be a spoiler but my favorite line had something to do with a casino, your cash and your ass. Too Funny!

  15. Linda says

    Congratulations on the book! I will definitely be buying a copy! I love your writing and find myself re-reading blog posts when I need inspiration to keep going on this FIRE journey!

    • jlcollinsnh says

      Thanks Linda!

      Hope you enjoy it and, if you’ve enjoyed the Stock Series, you should. 🙂

      Please put up a review on Amazon after you’re done.

  16. Biglaw Investor says

    I’ll add my disappointment that I missed out on the free book to the list (probably a general theme) but that’s okay, I’ll enjoy supporting you by purchasing it. Congrats on finishing it! A book is such a big undertaking.

  17. DraggonFIRE says

    Congrats on finishing the tome. It looks like a first-rate team was assembled to dutifully save you from yourself, so it’s showing real promise… 😉

    Looking forward to placing my order on Amazon when the day arrives.

    One question though – what the heck are you looking at in that Author’s Photo anyway?

    • jlcollinsnh says

      Thanks D-FIRE….

      ….I’m looking up to my awesome team, of course! 🙂

      Once you’ve read it, please leave a review on Amazon!

  18. Angie says

    Hi Jim
    I am a long time reader, but It is my first time commenting.
    Congratlations on your book! You have been doing a great work with the blog, helping a lot of folks with your ideas and knowledge! I feel the book is a result of a long journey! I am really hapy for you and curious about the book.
    I also want to thank you for all that I have been learning from your articles. I had to chose another approach to invest because index funds are not a good options in my country (unfair cost). But I can say that I made this choice with a lot of your help. I am confident about achieving financial independce, me and my husband, just keeping my choices simple and low cost. And, most important, trying to understand how much risk we can take.
    I wish all the best for you!

    • jlcollinsnh says

      Thanks Angie…

      I appreciate the kind words and I’m delighted you find value here even with index funds not being an option where you live.

      Hope you enjoy the book and leave an Amazon review!

      • Angie says

        Hi Jim
        I know this is not the topic of this article, but I would like to tell you that I read your stock series twice and your articles about real state too. I also read two books of John Bogle. After that, I understood the impact of high costs on investments. So, when I search for funds in my country, I realized how unfair they are. At the end, I would be alone with all risk and paying heavy fees for that. After inflation and fees, we would be with not that much left. So, thanks again for all information!
        I will read your book and I will recommend it for my friends from USA

  19. Tom says

    Hey Jim expect a small commission from Tuft and Needle. 🙂 This post was quite timely. I was about to reach out and ask if you still liked your mattress, but you beat me to the punch. So we just ordered the Queen size.

    I’m about 1/4th of the way through the book, and as I expected it is terrific. Once it’s available I’ll be ordering copies for both of my adult children.

    • jlcollinsnh says

      Thanks Tom!

      We do genuinely love our T&N and I never think about it. That’s about the highest praise I can think of for a mattress! 🙂

      Glad you like the book! Be sure to leave an Amazon review once it comes out. Tell your children, too. 😉

  20. Julie says

    I’m about 3/4 of the way through the book and so far it’s as great as I’d expect from you, Jim. The most surprising part is that even though I’ve read every single post on this site (some more than once) I’m still learning things! I can’t wait to see what’s next!

    And thanks for the RW update! I’ve been putting off making the move. I knew I should, but I use my phone a lot, and I really didn’t want to switch to a Moto. I still hate to give up my Nexus 5, but if it’s to get a 5x and a lower phone bill, then I guess it’s worth it – and I wouldn’t have know about the new options, so thanks!

    Good luck with the big day – I can’t wait to see how it goes (and in the meantime, I’m working on my review 😉 )

    • Nick says

      Make sure to check out the new plans that come with the new phones. If you don’t need unlimited talk and text, Ting may be better.

    • jlcollinsnh says

      Hi Julie…

      Glad you are enjoying it and I very much appreciate your comment.

      As I pulled the book together, I have thought of it as the Stock Series plus related posts, better organized, more succinct and with more polished writing. An easier, more efficient access to the information.

      Sounds like I hit the mark?

  21. Karina says

    In your “acknowledgements” section (proofreading, no less) there is a typo. I can see you doing it on purpose, but just in case you didn’t, I thought I’d point out the proper spelling of “judgement” is judgment. The middle e is also typically left out of the word acknowledgment.
    Can’t wait for the book to come out, I wish I had read your post in time to be one of the lucky 100. Congrats!

    • jlcollinsnh says

      Great eye, Karina!

      I did do it on purpose, but in both cases the words can be correctly spelled either way. I just like “acknowledgements” and “judgement” better. Guess the letter “e” is something for which I have a fondness. Who knew? 😉

  22. Ira says

    Ugh! I’m upset that I missed the “first 100” – I thought you were on summer hiatus….. to make up for it, I’ll probably buy a few . I pretty much owe you and Pete Adeney many hundreds of dollars for being life coaches for the past few years. Funny that you don’t even need the money, but it well help me to pass on the ideas to others (who don’t understand) that would have totally missed your blog. I appreciate your effort, so I can again try to explain that looking relatively poor and being crazy rich is the way to go.

    • jlcollinsnh says

      This year my summer hiatus has been focused on (finally!) finishing the book. 🙂

      Glad to hear you still plan to buy a few!

  23. Mrs. PIE says

    We both enjoyed it very much, and the review is ready to go! I’m have an idea now about getting a couple of copies to leave surreptitiously around at work! Would make my explanations easier on quitting day, and might even convert a few folks!

    • jlcollinsnh says


      I should be able to announce the launch soon. Stay tuned.

      Great idea leaving copies around to pave the way, but it might take many, many more than “a couple.” 🙂 😉

    • jlcollinsnh says

      Me too!

      I happened to catch the Oliver piece flipping around the channels the other night. Good stuff, especially from the mainstream.

      But I could have just as easily missed it, so thanks for bringing it to my attention!

  24. Lucie says

    Hello Mr Collins!
    I was lucky enough of to be one of the noble 100.
    Thank you for the book. For the readers of this blogs, some parts are well-known, but the book takes your philosophy to an other level. It made me much more aware of opportunity costs, for instance. I didn’t realize how fast these little things compound against us.
    Thanks to you, I finished paying my debts, and I am now investing after creating a small but efficient emergency fund. I can’t thank you enough for your stock series, and now for this book. You’ve made investing much more simpler and safer for me.
    I’ll be sure to post a review on Amazon when the book is out.
    With love from Paris.

  25. Hector Li-Chang says

    I can’t decide what I’m looking forward to the most: Sunday’s Game of Thrones, game 7 of the NBA finals, or this book. Best of luck with it Jim, I’m sure it’ll be a great success!

  26. Richard says

    When is this coming out? I’m very excited to read this. Haven’t visited the site for some time, and saw the book is done. Great job. Put my site down but I am overhauling it since it hasn’t been updated in 2016. My toddler keeps me very busy these days.

  27. Wendy says

    I read your book within 24 hours of receiving it – it absolutely captivated me. You’ve created an amazing contribution to the personal finance world. THANK YOU for that. I can only imagine how much work it was to create your masterpiece.

    I just left a well deserved 5 star review on Amazon. And I will be purchasing this book for my nieces upon their graduation from college.

    Again, thanks for your blog and the guidance you’ve provided in this book. I’ve retooled my retirement investments based on your stock series, and with a little luck, I’ll be able to early retire at 50 (in 2 years!).

    • jlcollinsnh says

      Wow, Wendy! Thanks!

      I appreciate the review and the sales!

      It was a far bigger task than I ever dreamed. Good thing I didn’t dream it, there wouldn’t be a book if I had. 🙂

      Hope your nieces enjoy and benefit from it, and I love the idea of it as a graduation gift.

  28. Felicia Libo says

    So very happy to hear about this book, and I’ve just suggested our library order one too. At 56 I am hoping I can still implement some of your simple and brilliant ideas after a few challenges and mistakes along the way, and thankful I’ve learned to be frugal to ride some of the waves (and my children will be better off for it hopefully). I haven’t read the book yet but plan to, and am just getting started on your blog posts, so do you have further suggestions for “late bloomers” like me and others who had good intentions but a few things got in the way? Thanks again, very much look forward to your book and reading your posts.

    • jlcollinsnh says

      Thanks Felicia…

      Glad you are here. Most everything I have to offer is here on the blog, and in the book in a bit better organized and more concise fashion.

      But start now. Your 66-year-old future self will thank you. Your 76-year-old self will be doing the dance of joy!

      • Felicia Libo says

        Thanks so much for the kind response, and the encouragement going forward, means a lot. Looking forward to the “9 Basics” and beyond, modified for a few bends and bumps on the road. All the best and thanks again.

  29. Net Worth Snowball says

    Congratulations on being published, Jim!

    Your blog and especially stock series have been very insightful and helpful to me over the past few years as a young investor acquiring that f-u money on the way to financial independence. I just hit the $500k milestone at 30 on my march to FI and would like to thank you for your investing advice.

    I’ve ordered the book online and look forward to devouring the knowledge!

  30. Nick says

    Jim! You cannot bring a non-RW phone to RW. It must be a RW phone, from RW. You can get a used RW phone, but it must be a RW phone. That blurb is pretty misleading (and I’m on the lookout for it because I followed a link from the RW website to buy a phone and still ended up with one that wouldn’t work with them).

    Nothing’s going to sour the experience more for new customers than spending good money on a phone that won’t work.

    I’m a huge fan of RW and they’ve saved me thousands of dollars, but new users need to be extra careful they get a phone that originally came from RW.

    • jlcollinsnh says

      Hi Nick…

      Seems times have changed. I reached out to my RW contact, and she says:

      That’s the big change – when our WiFi calling technology was in the phone ROM, true you had to use a phone you had to buy from Republic.

      GREAT NEWS – With the new phones this is no longer the case. You can still buy a phone from us of course, but if you already own one of the “approved” phones from another carrier, Republic will sell you just a SIM kit for $5 that allows you to access their service. The phone must be unlocked – for example, you have a Samsung S7 Edge from AT&T and you are done with your contract (e.g. AT&T has recouped their money from subsidizing your phone), most carriers will agree to unlock your phone. THEN you can come to Republic Wireless, buy a SIM kit and sign up for service and you are off and running.

      The official line

      Customers may purchase these smartphones at either RepublicWireless.com or bring their own new or used versions of the following initial list of leading Android M enabled devices:

      · Moto X Pure Edition
      · Google Nexus 6P by Huawei
      · Google Nexus 5X by LG
      · Samsung Galaxy J3 (2016)
      · Samsung Galaxy S6
      · Samsung Galaxy S7
      · Samsung Galaxy S7 Edge

      Press release here: http://www.prweb.com/releases/wifi_calling/no_contract_smartphones/prweb13400157.htm
      Details on the approved phones via Republic’s blog here: http://pwk.republicwireless.com/7-new-phones-coming-this-july/

      Hope that helps!

  31. DSMguy says

    Hi Jim,

    I’ve really enjoyed reading your blog and learning about your new book! I’m a big fan of the FI concept and how to take steps to get there.

    I’m not sure if this is the right spot or not, but I have a quick comment on how to improve the experience on the blog…

    A date would help on each posting to understand when stuff is happening. I was trying to see when you actually posted this article about your book, and had to scroll down to the comments to even see when it happened…(assuming June of 2016?)

    I was unable to include a screen shot, but MMM is a good example of each post having a date..

    Just a thought, keep up the good work!

    • jlcollinsnh says

      Hi DSM….

      I used to have dates on the post, but during the redesgn a couple of years ago they went away. I was advised that posts with older dates tend to be discounted by readers.

      Personally, I like dates on posts so maybe one day I’ll bring them back. Meanwhile, as you have, it is pretty easy to figure it out from the comment dates.

      Thanks for reading!

    • jlcollinsnh says

      Thanks, Doc…

      I appreciate the great review of my book and love the brevity of your 3-Step post. 🙂

Leave a Reply

Your email address will not be published. Required fields are marked *