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The Simple Path to Wealth

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You are here: Home / Life / Quit Like a Millionaire

Quit Like a Millionaire

by jlcollinsnh 87 Comments


My pals, Kristy and Bryce, just released their new book, Quit Like a Millionaire.

Want to know what I think? Well, they asked me to write the Foreword and here it is:

***************************************************************

Foreword

                             by JL Collins

Some of you are going to hate this book.

At least if you are a proud member of the coalition of whiners, complainers and naysayers. The ones who say reaching for Financial Independence (FI) is only for the privileged and their personal hard-luck situation makes it impossible.

Before you go there, run your story through this filter:

  • Did you grow up under a totalitarian regime?
  • Did your family ever live on 44 cents a day?
  • Was your first Coca-Cola the most incredible experience of your life to that point?
  • Did the empty can then serve as your most precious possession?

Here’s my hard-luck story growing up:

When I was five, I collected dirty pop bottles from the roadside for the 2-cent deposit and sold flyswatters door-to-door for a nickel.

Here’s Kristy’s growing up in rural China:

When she was five, she sorted through a medical waste dump looking for treasures she could make into toys. Wonder if she ever found one worth a full nickel?

My family worried about my father’s failing health and business. 

Her family worried about the Chinese communists bursting through the door and hauling her father off to a labor camp. 

As tough starts go, my story doesn’t hold a candle to hers, and I’d bet yours doesn’t either.

Here’s the key. Her beginnings didn’t hold her back. Her hardships didn’t hold her back. The obstacles thrust in her path didn’t hold her back. 

They became her tools. Her motivation. Her guides.

This little girl who made toys of medical waste and treasured an empty Coke can, now travels the world, eats in fine restaurants, writes books and created an acclaimed blog.

She takes us on her journey from poverty in China, to being a teased outsider in school in Canada, to university, to engineer, to investor, to millionaire. To freedom.

This book is going to make some minds explode. 

Kristy is going to tell you things like:

“Money is the most important thing in the world.

Money is worth sacrificing for.

Money is even worth bleeding for.”

Wait! What heresy is this? Isn’t money the root of all evil?

Not in this modern world, it’s not. It is the single most powerful tool we have. Used well, it makes everything better. Easier. More interesting. It creates wonderful options right out of thin air. It is a magic wand.

What about love? What about family? What about education? What about culture? What about…? Aren’t these the most important things in the world?

What about them? 

You want to take care of your family and those you love? You better have money.

You want to spend more time with them? You better have money.

You want the time and leisure for education? For reading? For culture? You better have money.

You want the best of all those things, and the time to fully enjoy them? You not only better have money, you better have money that works for you.

If your mind doesn’t explode, Kristy can show you how.

This book is going to make some of you Millionaires.

But just some. 

You have to be ready to drop your excuses and put in the work. Most aren’t.

You have to be ready to take your financial life, and the rest of your life along with it, into your own hands. Most aren’t.

If you are that rare person who is, in Kristy you have found your guide.

Along with her story that reads like a good novel, she’ll walk your through the process of building your wealth, protecting it from the taxman and market plunges, and nurturing it into a powerful machine that provides for your needs while replenishing itself.

You’ll learn about practical things like the insidious nature of investment fees and how to minimize them.

She details where she has invested and why, and walks you through how to do the same.

She presents cool techniques on managing, moving and withdrawing your money once it is invested.

You may not agree with it all, but one of my great pet peeves is people who criticize a book because it doesn’t conform to their own ideas.

A great book should expand your horizons, not just confirm your biases. The ideas in it should be evaluated not against your own, but based on the soundness of the logic behind them and the clarity of the way they are presented. 

This book is the soul of logic and clarity.

This book knows the journey can be scary.

Kristy gets that. She shares her own objections, fears, doubts and stumbles on the path. Then, one by one, she provides tangible ideas and strategies to circumvent them.

She takes us by the hand and explains:

“…money is not this big complicated thing that requires a genius-level IQ to understand. Instead, it’s a series of simple lessons that, individually, are not difficult to grasp, but when you put them together they become a superpower.”

She’ll introduce you to powerful concepts that help make achieving financial freedom easier and less risky. Things like Geo-arbitrage, SideFIRE and Partial FI.

She examines and explodes the myths that you need a six-figure income to do this, that it can’t be done with kids, or that it is not necessary or worth doing if you enjoy your job. Trust me. Everything is better with money backing you up. Especially your job.

For those still skeptical, in the appendix she even details the exact dollar figures, year-by-year, in her climb to millionaire status.

This book wants you to be rich: in money, in time and in life.

Of course, you are probably not a whiny, complaining naysayer. You picked up this book. You haven’t the time to waste building a case about why you can’t do this. You want to get started. You want to know how it is done.

With this book, you have come to the right place. She’ll take you through the process step-by-step. Actionable things that you can do no matter what your age, location, background or education.

Finally, let me leave you with my favorite line in the book:

“If you understand money, life is incredibly easy. If you don’t understand money, life is incredibly hard.”

Choose easy, I say.

***************************************************************

So, that’s what I think. If you think you might like it too, pre-order before July 9th and you get some cool bonus stuff.

Meanwhile, in a few days I’ll head up  from Winchester, where we are hanging out at the moment, to London to record my part for their audio book version. Should be a blast!

****************************************************************

Win Kristy’s new book!

July 8, 2019
 
Hey all…
 
Cool news!
 
Because I wrote the Foreword, Kristy’s publisher has stepped up and given me three copies of her new book, Quit Like a Millionaire.
 
Much as I love it, how many copies does one man really need?
 
So here’s the deal:
In the comments below, tell us which line in it is your favorite.
 
So you will all still love me afterwards, I’ll leave it to Kristy to pick out the best three.
 
I’ll send those folks an email to collect your address so we can have the book shipped out to you.
 
Good luck!

****************************************************************

Related

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 we 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.
  • Personal Capital 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

Filed Under: Life, Money, Stuff I recommend

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Comments

  1. FIRECracker says

    June 4, 2019 at 12:10 am

    Best Foreword ever! Getting a foreword from the Godfather is seriously one of the highlight of our entire lives 🙂

    So excited to record the audiobook with you! Now the world will get to hear your golden voice again 🙂 see you in London!

    Reply
    • jlcollinsnh says

      June 4, 2019 at 3:13 am

      “…seriously one of the highlights of our entire lives”

      Even better than the Coke can? 😉

      Reply
      • FIRECracker says

        June 4, 2019 at 4:26 am

        Well, I did almost get a nosebleed the first time we met. 😀 remember how I thought it was all a dream? #tooMuchExcitement

        Reply
      • Melissa says

        July 9, 2019 at 10:48 am

        I’m not sure if I understood correctly how to enter the give away. Favorite line from your intro?

        Well if that’s the case
        ”It creates wonderful options right out of thin air. It is a magic wand.”

        First off it’s just sounds positive and really paints the picture, most people just want more options when it comes to their money.

        But I also thought it was great how you painted the picture of the rough beginnings and compared it to yours.

        Honestly I think a lot of people think it is just for the privileged and so showing that even with obstacles you can get there is super important to share. If anything those are the people who need it most!

        Reply
  2. Fritz @ TheRetirementManifesto says

    June 4, 2019 at 12:41 am

    What an incredible forward, for what sounds to be an incredible book about what sounds to be an incredible woman.

    Reply
    • FIRECracker says

      June 4, 2019 at 10:41 pm

      Aww, thanks, Fritz!

      Reply
      • Paul says

        July 10, 2019 at 10:56 am

        Hello Jim and Kristy:
        My favorite line from the forward is, “A great book should expand your horizons, not just confirm your biases.”
        I am eager to read it. Maybe even an old dog can learn some new tricks.
        Good luck with the recording. I’ve done a couple of those myself and it’s hard work.

        Reply
  3. Geo says

    June 4, 2019 at 1:53 am

    Shut up and take my money!

    Reply
    • Amy says

      June 4, 2019 at 9:40 am

      Haha! What Geo said.

      That is quite an introduction. I try very hard not to get sucked into people’s hype but this time it worked!

      Reply
      • FIRECracker says

        June 4, 2019 at 10:46 pm

        I know, right? Jlcollins writes the best foreword (and now I think I might’ve doomed him to a full inbox from aspiring authors begging for forewords)

        Reply
    • FIRECracker says

      June 4, 2019 at 10:43 pm

      Bwahaha! *cha-ching* thanks for your support.

      Reply
  4. Life Outside The Maze says

    June 4, 2019 at 4:23 am

    It’s easy to throw stones or poke holes and so much harder to build something. Kristy and Bryce have some unique ideas and are plain fun to read. Their blog has caused me to look at some things differently and that always provides value… looking forward to the book

    Reply
    • FIRECracker says

      June 4, 2019 at 10:48 pm

      Thanks, LOTM! Poking holes are what haters do best. Luckily, I’ve dealt with them my whole life and just find them amusing now.

      Reply
  5. Rich Carey says

    June 4, 2019 at 4:46 am

    Congratulations on the book. It sounds amazing. I want to read it as soon as I can! You have an amazing story. It’s going to help so many.

    Reply
    • Firecracker says

      June 5, 2019 at 8:48 am

      Thanks Rich! How are you doing these days? It’s been a while since we met at FinCon.

      Reply
    • AKratt says

      July 9, 2019 at 12:36 am

      “A great book should expand your horizons, not just confirm your biases. The ideas in it should be evaluated not against your own, but based on the soundness of the logic behind them and the clarity of the way they are presented.”
      I know these are technically two lines but they really spoke to me and I’m rebellious. It’s so important to learn from diverse concepts and ideas and yet so easy to dismiss information that is outside of our personal norms. I’m 37th in the library hold line and can’t wait read, learn, and grow!

      Reply
  6. Financially Fit Mom says

    June 4, 2019 at 8:07 am

    Sounds like a great book, congratulations Kristy! Between Jim’s forward and the comment from outside the maze, I’m excited to check out your blog to fill some time before the book is available. I’m hoping one of the things you’ve made him think differently about is a sour beer vs a solid IPA 🙂

    Reply
    • FIRECracker says

      June 5, 2019 at 8:51 am

      Haha…my fav “sour beer” is lambic cherry beer, so there’s that. I’m sure we will debate have an intense debate about it at Chautauqua.

      Thanks for your kind words and support!

      Reply
      • KAT1809 says

        June 19, 2019 at 10:46 pm

        Hey! I’ve actually had cherry beer when we were in Brussels one day while on vacation. Have no idea whether or not it was lambic, but it sure was “interesting.”

        Reply
  7. Kpeds says

    June 4, 2019 at 9:51 am

    Can’t wait to read. I’m looking forward learning more about your path to FI and how we can supercharge our own!

    Reply
    • FIRECracker says

      June 5, 2019 at 8:53 am

      Thanks Kpeds! Rooting for you on your path to FI. The journey is so worth it!

      Reply
  8. Mr. Hobo Millionaire says

    June 4, 2019 at 10:16 am

    Oh the whiners about how hard life is and why it’s everyone else’s fault they’re broke…

    Congrats on your book, congrats on your hustle, and congrats on the life you’ve built!

    Reply
    • FIRECracker says

      June 5, 2019 at 9:45 am

      Thanks, Mr. Hobo Millionaire! Love your alias btw 🙂

      Reply
  9. AA40 says

    June 4, 2019 at 10:29 am

    Wow. I need to read this book. Some of it applies to me growing up very poor in rural Brazil ! Signing up for the pre-sale now!

    Reply
    • FIRECracker says

      June 5, 2019 at 9:47 am

      Thanks, AA40! Looks like we are kindred spirits! Do you find that growing up poor in another country changed your perspective?

      Reply
  10. Michelle @ FrugalityandFreedom says

    June 4, 2019 at 12:11 pm

    Woo hoo! Smashing foreword, JL. Just added to my audiobook must-listen list.

    As a non-US FI aficionado myself, I always appreciate hearing diverse perspectives on FI.

    Sounds like another great addition to the burgeoning financial independence book list in the last 12mths.

    Reply
    • FIRECracker says

      June 5, 2019 at 9:50 am

      Thanks Michelle! Jlcollins and I are off to record the audiobook next week, so you should be able to listen to his Godfatherly voice when the audiobook releases on July 9th! Thanks for your support!

      Reply
  11. rdsgcc93 says

    June 4, 2019 at 1:31 pm

    Great forward to this book! Love this part of it…

    “You may not agree with it all, but one of my great pet peeves is people who criticize a book because it doesn’t conform to their own ideas.

    A great book should expand your horizons, not just confirm your biases. The ideas in it should be evaluated not against your own, but based on the soundness of the logic behind them and the clarity of the way they are presented.”

    To digress for just a moment: The exact thinking behind the 1997 book by Stephen Pollan, “Die Broke,” which, IMHO, should be part of the FI education. Though the book is more than 20 years old, some of the concepts and principles still apply. If you haven’t read it, please be good to yourself and do so. Classic alongside “Your Money or Your Life.”

    All the best to Krysty and Bryce on the book. And thanks, JLCollinsNH, for your book and this blog.

    Reply
    • jlcollinsnh says

      June 4, 2019 at 4:36 pm

      That’s my favorite part too, along with that last quote from Kristy. I’m grateful they let me slip it in.

      As it happens, I just re-read “Die Broke” a couple of months ago and have been meaning to write a post about it. I think it is a poorly done book, but the concept is very interesting. Not least because it is so different from my own and especially my last post before this one. 🙂

      Reply
      • rdsgcc93 says

        June 5, 2019 at 5:13 pm

        If it was a poorly done book, that’s because there’s a story behind it.

        Reply
    • FIRECracker says

      June 5, 2019 at 10:01 am

      Thanks, rdsgcc93! Interesting recommendation. I’ll have to check out that book.

      Reply
      • rdsgcc93 says

        June 5, 2019 at 3:18 pm

        Cool. Thanks for responses. Again, you don’t have to agree with everything in that book. Granted, some of the info is outdated. Just another perspective. Since I’m Gen X, that was my “intro” to FI. Some of the info did set the stage for my introduction to JLCollinsNH, Millenial Revolution, Mr. Money Moustache, you get the idea.

        Reply
  12. jayg says

    June 4, 2019 at 9:39 pm

    Nice forward, sounds like a good book! Minor typo, if it is not too late to correct – ‘she’ll walk your through the process’. That ‘your’ clearly was meant to be ‘you’. I hope the editors caught that, but too often these days, it seems they do not.

    Reply
    • FIRECracker says

      June 5, 2019 at 10:09 am

      Good catch, jayg! I’ll make sure it gets fixed it the final version.

      Reply
  13. Piki Dad says

    June 4, 2019 at 10:31 pm

    Written in the classic ‘easy-to-read dad advice’ jlcollinsnh style. 🙂

    We get so caught up in our daily lives that sometimes we forget great stories and the power that they have to influence our lives. I’m hoping to learn a lot from Kristy’s journey from reading the book.

    Reply
    • FIRECracker says

      June 5, 2019 at 10:14 am

      Thanks, Piki Dad! And yes I agree JLCollins has a wonderful easy to read Dad style. I’m so excited to record the audiobook with him and share it with the world!

      Reply
  14. David Quattlebaum says

    June 5, 2019 at 1:20 am

    JL: I’ve been eagerly awaiting your next post, and although I wish it had been the next part in the Stock Series (I’m a junkie…so much good common sense), it was really cool to read this. Great change of pace, and very interesting to get the perspective of someone who had to make an entire life for herself through so much adversity. I’m very glad that you posted this, and it would be awesome to hear more stories like it! Thanks for always providing such great content!!

    Reply
    • FIRECracker says

      June 5, 2019 at 10:17 am

      Thanks for reading David! It’s an honour being Foreworded by the Godfather of FI and read by his wonderful blog fans 🙂

      Reply
    • jlcollinsnh says

      June 5, 2019 at 11:51 am

      Hi David…

      Sorry for the long delay between posts. I have become the laziest blogger in the FI world.

      This one only occurred to me as I was reading the foreword in preparation for recording it for Kristy’s book. I was reminded that it really covers some core philosophy she and I share and so might also be of interest to my readers here.

      No plans to further expand the Stock Series, but then I have thought it was finished before. 😉

      Reply
  15. Ben says

    June 6, 2019 at 6:01 am

    Hi Jim
    I thought you carefully choose your advertiser’s?
    Reading this I had to endure some sh*t advert for angel readings and angel healing every three paragraphs!!??? Are you serious?

    Reply
    • jlcollinsnh says

      June 6, 2019 at 7:10 am

      Hi Ben…

      Those companies that I have vetted and/or are affiliate partners, are listed in “Important Resources” at the bottom of each post and in the sidebar.

      The ads you are objecting to are not my call. Those are populated by MediaVine and are custom selected for each reader based on their previous online histories.

      Reply
    • HeadedWest says

      June 7, 2019 at 4:05 pm

      Ben,

      As I scroll through this article I’m seeing advertisements from USAA for home refinancing.

      About an hour before I came here, I visited the USAA website to read about their offers for home refinancing.

      As you scrolled through this article you saw ads for angel readings and angel healing.

      I wonder why?

      Reply
  16. Slowtraveler says

    June 6, 2019 at 7:02 am

    You know what?
    Congratulations. It seems you’ve really taken writing seriously and turned it into something beautiful in your life since reaching FIRE. The post was quite gripping, you’ve managed to instill tantalizing emotions into your works.
    To be honest, someone with the motivation to reach FIRE will get there within a decade and there’s all the information you need free online. Binging on the ERE book shifted my paradigm and got me into overdrive, I hope this book does the same for more people than you could ask for.

    Reply
  17. Nomada Financiero says

    June 9, 2019 at 7:19 pm

    Great forward on what looks like a great book!
    Congratulations, Im a huge fan of the work of both of you!

    Reply
  18. Cliff says

    June 12, 2019 at 12:55 pm

    I am happy for people that are able to retire young and do other things in their life. But I hesitate and ask why do so many people want to write books and open blogs to tell people what to do and about their life. Also, we know its all about another way to make money. Meaning we have way to many books and blogs on the same topice. Then the second point will be why do so many people think its all about not working. What about having a job you enjoy working in the career for a long period. I think most would be better off working on getting a better job they can keep for a long time. Then they can save and still retire young. My example I found a career I enjoyed. Worked in the career for 32 years then retired 3 years ago at 52. I retired with a pension and large payout. So, now I have no worries in retirement. Now I travel with my wife enjoy family and never think about money. Thats the way to retire.
    Like I alway say, most would be better off finding a career they can do 30 plus years.

    Reply
    • Mr. Hobo Millionaire says

      June 12, 2019 at 1:13 pm

      Sounds like you should start a blog, Cliff. You have another perspective.

      (and that’s also why there are so many blogs — different perspectives and opinions)

      Reply
    • jlcollinsnh says

      June 17, 2019 at 12:14 pm

      Hi Cliff,

      Thanks for your comment!

      Mr. Collins is currently traveling and unable to respond just now.

      We find for most questions, he has already covered the topic. Using the Search button might very well provide your answer. If not, please post your question again after October 15, 2019.

      Reply
    • Chad says

      July 8, 2019 at 4:01 pm

      As far as lines from the Forward;

      “You have to be ready to drop your excuses and put in the work.”

      Brass tax, get off our butt and get to it. I like the bluntness and simplicity of that.

      As far as the dynamic duo, they are two of the most done to earth people you could ever talk to. I didn’t have the same difficulty in my early life but did grow up knowing outhouses and drying clothes on a line. Kristy shared some hilarious stories and similarities of growing up that I could relate with. Can’t wait to see Kristy and Bryce again in the near future.

      Reply
  19. Cliff says

    June 13, 2019 at 8:59 am

    I should say this is one of my favorites blogs here JL Collins.

    Reply
  20. Mark H. says

    June 15, 2019 at 6:11 pm

    Jim’s recommendation = I pre-ordered a copy!

    And now to explore Kristy’s blog 🙂

    Reply
  21. Joe E. says

    July 5, 2019 at 3:04 pm

    I just finished The Simple Path to Wealth and thought it was fantastic. I pre-ordered Retire Like a Millionaire and cannot wait to get it. Thanks Jim, Kristy, and Bryce for all that you do.

    Reply
  22. Claudia says

    July 8, 2019 at 1:31 pm

    I love millennial revolution’s blog!

    My favorite quote “If you understand money, life is incredibly easy. If you don’t understand money, life is incredibly hard.””

    Thanks for all the great content! So inspiring.

    Reply
  23. Smaran Harihar says

    July 8, 2019 at 1:46 pm

    My favorite quote has to be, “..money is not this big complicated thing that requires a genius-level IQ to understand. Instead, it’s a series of simple lessons that, individually, are not difficult to grasp, but when you put them together they become a superpower.”.

    This is so true. So many times looking at the summit prevents you from moving forward but taking one step at a time is the ultimate super-power.

    Reply
  24. Moxie18 says

    July 8, 2019 at 1:49 pm

    My favourite line is

    …money is not this big complicated thing that requires a genius-level IQ to understand…

    In SA there is this mysticism around money and investing, like you have to speak to a CFA and HAVE to invest with the big firms like Allan gray/prudential/ coronation or old mutual and being a true grown-up means you have a policy with liberty.

    Honestly, all these resources in the FIRE community have helped my family change things around and not once have I met with a financial advisor who charges commission and 3% annual fee. Thank you for this, for helping out the layperson on the street

    Reply
  25. Bob Haines says

    July 8, 2019 at 2:10 pm

    Jim – My favorite quote from your forward is – “She takes us on her journey from poverty in China, to being a teased outsider in school in Canada, to university, to engineer, to investor, to millionaire. To freedom.”

    What an epic hero’s journey at such a young age! It was a great pleasure meeting Kristy and Bryce at Chautauqua and I can’t wait to see what they’re up to next!

    Kristy- My favorite line in your introduction is – “This book exists because these lessons I learned clawing my way from the bottom 1 percent to the top 1 percent are available to everyone, regardless of race, the amount of money in your checking account, and the privilege you may or may not have inherited.”

    Amazing message! And you are living proof!

    I’ve pre-ordered the book and got to read the first chapter so I’m even more excited to read the book when it arrives tomorrow! Thanks for all the amazing content!

    Reply
  26. Mark Mellon says

    July 8, 2019 at 7:34 pm

    Some of you are going to hate this book. I love lines like that. It intrigues me to see what I will hate and what I will love.

    Reply
  27. Roxanne Eberle says

    July 8, 2019 at 8:42 pm

    My favorite line from the forward is:

    A great book should expand your horizons, not just confirm your biases.

    Reply
  28. Lisa Zach says

    July 8, 2019 at 11:11 pm

    I can’t wait to read and learn!!!

    Reply
  29. Nancy Zhang says

    July 9, 2019 at 1:16 am

    Way too excited to read this book!!!

    Reply
  30. Cormac says

    July 9, 2019 at 2:10 am

    My favourite line in it, is of course, “MATH SHIT UP!” I have made the decision to sell my property and move to renting because of it.

    A little miffed with myself that I, a math grad, needed inspiring to do some simple maths but hey ho. Live and learn.

    Ps. Are you guys signing the competition copies for the lucky winners?

    Reply
  31. Jinny says

    July 9, 2019 at 2:51 am

    My favourite line is:

    “A great book should expand your horizons, not just confirm your biases.”

    I’ve been reading millenial revolution blog. And it’s one of the first blogs that got me down the road to FIRE. The investment workshop was such a blessing. It’s one thing to hear about how great the concept of index investing is. But not end up putting it into practice due to the intimidating hoops you have to go through to open up a brokerage account. (Especially as a person who never bought stocks or funds before on their own.) Most people end up not taking action. So I love how Kristy and Bryce break down into practical steps how Canadians (and Americans) can do FIRE themselves. I’m looking forward to the book and learning even more beyond the amazing content that’s already in their blog!

    Also, to JL Collins, I enjoyed reading your Simple Path to Wealth book. You distilled FIRE into understandable steps. And even when the mind argues the what if’s. You had an answer to it. For me it was trying to time my index funds buys. But now I understand not to bother trying to time the market and just pull the trigger and not look at my Questrade account more often than I really need. Except to do my next buy. 🙂 thank you!

    Reply
  32. Samara says

    July 9, 2019 at 5:18 am

    I love their blog and am so excited for the book.

    Reply
  33. Dave V says

    July 9, 2019 at 8:42 am

    “Some of you are going to hate this book.
    At least if you are a proud member of the coalition of whiners, complainers and naysayers.”

    I like this line because it sets the tone of expectation. You know that any preconceived notion or limiting belief will not hold water. It is unapologetic and makes the continue reading intriguing.

    Reply
  34. Erika says

    July 9, 2019 at 9:51 am

    Hi,
    My favourite line: Isn’t money the root of all evil?
    Not in this modern world, it’s not. It is the single most powerful tool we have. Used well, it makes everything better. Easier. More interesting. It creates wonderful options right out of thin air. It is a magic wand.

    Between Garth Turner and the Millennial Revolution blog, my wife and I have bucked the trends of my peers to buy a house (and they all think we’re crazy!!). But I don’t want to work into my 60s and 70s like many of my coworkers. I want to see the world! And I want my daughter to see it too. I’d love to own a copy of this book so I can get more guidance but also to share it after to express the ideas and philosophies behind it all much more eloquently than I have ever before (using Kristy’s words directly!!). Otherwise, I am #32 on 1 copy at the library, so I will read it eventually!
    Thanks for sharing your story Kristy.

    Reply
  35. Eniee Zi says

    July 9, 2019 at 11:51 am

    Haven’t read the book…
    Don’t know my favorite line yet..

    I really like the name of the title for now.

    Reply
  36. Argenis says

    July 9, 2019 at 12:22 pm

    Favorite line is: “This book wants you to be rich: in money, in time and in life.” This clearly provides the objective of the Kristy and Bryce. Well, at least to me.

    Reply
  37. One Frugal Girl says

    July 9, 2019 at 2:27 pm

    Throw my name in the hat. I just listened to the authors on ChooseFI yesterday. It sounds like a really interesting story. A lot of times one person in a relationship is really into personal finance while the other is along for the ride. In this case it sounded like both partners contributed to their success. That’s the journey my husband and I took. We both came at money from different angles, but ultimately those two approaches helped our money grow. It sounds like a great read!

    Reply
    • One Frugal Girl says

      July 9, 2019 at 7:29 pm

      Oh it looks like I forgot the line. I like “Money is even worth bleeding for.” Early on in my life I probably would’ve agreed with that.

      Reply
  38. Crew Dog says

    July 9, 2019 at 2:44 pm

    “If you understand money, life is incredibly easy. If you don’t understand money, life is incredibly hard.”

    Choose easy, I say.

    Like Kristy, my husband & I grew up poor. Parents fighting to keep a roof over our heads poor. We had a fairly steep learning curve learning how to master our money, since we hadn’t learned how at home. But learn we did, and life is so much easier now that money works for us, rather than the other way ’round.

    We’d love to read Kristy’s story!

    Reply
  39. Catherine Lynch says

    July 9, 2019 at 3:53 pm

    My favourite line from the foreward is:
    “This book wants you to be rich: in money, in time, and in life”.
    Having grown up poor, and become more financially successful, I came to a point where working was getting in the way of being a new mother, and I decided to change.
    I’m weak at investing though, so it would be great to follow Kristy’s step-by-step guide.
    Thank you.

    Reply
  40. Greg says

    July 9, 2019 at 6:49 pm

    I loved this part: “What about love? What about family? What about education? What about culture? What about…? Aren’t these the most important things in the world? What about them? You want to take care of your family and those you love? You better have money. You want to spend more time with them? You better have money. You want the time and leisure for education? For reading? For culture? You better have money.”

    It seems like our society constantly tries to drill it into our heads that money can’t buy happiness, and that money isn’t everything. The reality is, money facilitates pretty much everything in our lives that gives us meaning and happiness. It buys us the freedom to focus on what’s important.

    Reply
  41. Mel says

    July 10, 2019 at 6:58 pm

    My favourite line is: “A great book should expand your horizons, not just confirm your biases.”

    I would love a copy of Quit Like a Millionaire. I love the Millennial Revolution blog!

    Reply
    • jlcollinsnh says

      July 15, 2019 at 4:02 pm

      Hi Mel…

      One of the three winners Kristy chose hasn’t stepped up and you are her next choice. For what it is worth, the line you chose is one of my very favorites, too.

      Anyway, respond to this comment and let us know you are still interested and we’ll get a copy of QLM off to you.

      Congratulations!

      Reply
  42. Katie says

    July 11, 2019 at 9:18 am

    Fav Line – “The ideas in it should be evaluated not against your own, but based on the soundness of the logic behind them and the clarity of the way they are presented. “

    As a family who are hot on the trail of FI, we are very much into the nuts and bolts of how to get there, faster. We are always after the logic behind the ideas we read about . We’ve got the inspiration and belief, and so we are always pressure testing what we’re doing to make sure it holds water. This line speaks to that practice.

    Reply
  43. Andrew says

    July 11, 2019 at 11:08 pm

    When I was five, I collected dirty pop bottles from the roadside for the 2-cent deposit and sold flyswatters door-to-door for a nickel.

    I know nobody else picked this part of the forward. Am I contrarian? Do I like to stick out like a sore thumb?… well yes. But thats not why this was my favorite line. It is because like you, and most FIRE folk I find, we come from similar work your ass off upbringing. I crushed cans of my uncles parties the day after. One of the benefits of them being a bit heavy in the cups in the 80’s. Great job as always JLC!

    Reply
    • jlcollinsnh says

      July 12, 2019 at 12:15 am

      The cans themselves were also a lot heavier and much harder to crush in those days 😉

      Reply
  44. Robert Moore says

    July 12, 2019 at 10:11 am

    This book is absolutely AMAZING!!!! There are sooooo many great lines in this book like “I’m basically Wolverine” or “CRAP” and more (I’m a slow reader =) ) but there are two that have stuck out to me the most so far. The first is from JL Collins in his awesome forward. Regarding money he writes “It is the single most powerful tool we have. Used well, it makes everything better. Easier. More interesting. It creates wonderful options right out of thin air. It is a magic wand.” The second is “If you understand money, life is incredibly easy. If you don’t understand money, life is incredibly hard.”

    WOW!!!!

    Reply
    • FIRECracker says

      July 12, 2019 at 5:22 pm

      Aww! Thanks, Robert! If you enjoyed the book could you please leave me an amazon review? That would be amazing. Thank you so much!

      Reply
  45. Bill Yount says

    July 12, 2019 at 11:23 pm

    FIREcrackers are so beautiful when they explode and light up the sky so we can see our ways out of our fears of the dark. Congratulations on being a part of the FInancial Illiteracy Solution!

    Will post this forward by The Godfather of FU Money to Financial Literacy Project! Join us their and play in our sandbox.

    Reply
  46. jlcollinsnh says

    July 13, 2019 at 9:30 am

    Contest Closed!

    Kristy has selected the winners and they are…

    …drum roll please…

    Oh and as for your giveaway, I’ve selected these 3 winners:
    1) Cormac
    2) Catherine
    3) Crew Dog

    Congratulations!

    Reply and let us know you are still interested. 😉

    Reply
    • Cormac says

      July 13, 2019 at 10:00 am

      Hurray! Thanks so much for choosing me! I am definitely still interested.

      Reply
      • jlcollinsnh says

        July 13, 2019 at 10:39 am

        Congrats again!

        PM sent.

        Reply
    • Crew Dog says

      July 13, 2019 at 11:56 am

      Yes! Thank you J.L., Kristy, & Bryce! Can’t wait to read it.

      Will PM with details.

      Crew Dog

      Reply
      • jlcollinsnh says

        July 13, 2019 at 12:09 pm

        congrats again 🙂

        PM sent

        Reply
  47. Spottingcommoncents says

    October 27, 2019 at 8:09 pm

    I loved that foreword. I relished it as much as I did your book. I also bought this book online and can relate pretty easily as I’m also Asian and had a similar upbringing.
    Not commenting for the contest, just wanted to thank you for lighting the path ahead for me.

    Reply
  48. Nick says

    December 20, 2019 at 8:10 am

    Kristy’s and Bryce’s book has been a life changer (or maybe life saver) for me. I stumbled across it is a book shop in October and at the time I had never heard of FIRE or FU money or (deep intake of breath) Jim Collins. Who knew that thanks to my random collection of investments and general dislike of spending money on crap that I had enough money to retire?

    There are a million blog posts and podcasts on FIRE and that’s the problem; what a book like this does is distill the key messages into a single, concise, well written and logically organized volume. So it’s a brilliant read for an new or accidental FIREman like me; it’s now in my reference library and sits neatly next to The Simple Path to Wealth.

    That said, there are a couple of lessons which I have not read or heard elsewhere, so even if you are a long-term member of the FIRE movement, it’s a great read. Kristy and Bryce are definitely my heroes!

    Reply
    • FIRECracker says

      December 21, 2019 at 7:21 am

      Aww. Thanks, Nick! It’s an honour to be on your book shelf, right next to the Godfather of FI JLCollins 🙂 I’m so glad you enjoyed Quit Like a Millionaire and thank you so much for taking the time to write this kind message. You rock!

      –Kristy & Bryce

      Reply

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      • Chautauqua 2014 preview, closing up for travel and other random cool things that caught my eye of late.
      • Case Study #10: Should Josiah buy his parents a house?
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      • roundup: Some random cool things
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      • Case Study #7: What it looks like when everything financial goes wrong
      • 1st Annual Louis Rukeyser Memorial Market Prediction Contest 2013 results, and my forecast for 2014
  • ► 2013 (41)
    • ► December (4)
      • Closing up for the Holidays, see you in 2014
      • Betterment: a simpler path to wealth
      • Case Study 6: Helping an ill and elderly parent
      • Stocks -- Part XX: Early Retirement Withdrawal Strategies and Roth Conversion Ladders from a Mad Fientist
    • ► November (3)
      • Death, Taxes, Estate Plans, Probate and Prob8
      • Case Study #5: Zero to 2.6 million in 25 years
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      • Republic Wireless and my $19 per month phone plan
      • Case Study #3: Let's get Tom to Latin America!
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      • Case Study #2: Joe -- off to a fast start!
      • Chautauqua 2013: A Week of Dreams
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      • They Will Kill You For Your Shoes!
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      • Stocks -- Part VIII-b: Should you avoid your company's 401k?
      • Shilpan's Seven Habits to Live More with Less
      • Stocks -- Part XIX: How to think about money
      • My path for my kid -- the first 10 years
    • ► May (5)
      • Why your house is a terrible investment
      • Stocks — Part XVIII: Investing in a raging bull
      • Dining with the Ghosts of Sarah Bernhardt and Alfons Mucha
      • How we finally got the house sold
      • Stocks — Part XVII: What if you can't buy VTSAX? Or even Vanguard?
    • ► April (4)
      • Greetings from Prague & a computer question
      • Swimming with Tigers, a 2nd chance on the Chautauqua, a financial article gets it wrong and I'm off to Prague
      • Storage, Moving and Movers
      • Homeless, and a bit on the strategy of dollar cost averaging
    • ► March (4)
      • Wild Turkeys, Motorcycles, Dining Room Sets & Greed
      • Roots v. Wings: considering home ownership
      • How about that stock market?!
      • The Blog has New Clothes
    • ► February (5)
      • Meet Mr. Money Mustache, JD Roth, Cheryl Reed & me for a Chautauqua in Ecuador
      • High School Poetry, Carnival, cool ads and random pictures that caught my eye
      • Consignment Shops: Best business model ever?
      • Cafes
      • Stocks -- Part XVI: Index Funds are really just for lazy people, right?
    • ► January (5)
      • Social Security: How secure and when to take it
      • Fighting giraffes, surreal landscapes, dancing with unicorns and restoring a Vanagon
      • My plan for 2013
      • VITA, income taxes and the IRS
      • How to be a stock market guru and get on MSNBC
  • ► 2012 (53)
    • ► December (6)
      • 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
      • Stocks -- Part XIV: Deflation, the ugly escort of Depressions.
      • Stocks Part XIV: Deflation, the ugly escort of Depressions.
      • Stocks -- Part XIII: The 4% rule, withdrawal rates and how much can I spend anyway?
      • How I learned to stop worrying about the Fiscal Cliff and you can too.
    • ► November (2)
      • Rent v. owning: A couple of case studies in Ecuador
      • So, what does a month in Ecuador cost anyway?
    • ► October (4)
      • See you in December....
      • Meet me in Ecuador?
      • The Podcast: You can hear me now.
      • Stocks -- Part XII: Bonds
    • ► September (6)
      • Stocks -- Part XI: International Funds
      • The Smoother Path to Wealth
      • Case Study #I: Putting the Simple Path to Wealth into Action
      • Tales of Bolivia: Calle de las Brujas
      • Stocks -- Part X: What if Vanguard gets Nuked?
      • Travels in South America: It was the best of times....
    • ► August (1)
      • Home again
    • ► June (4)
      • Yellow Fever, closing up shop for the summer and heading to Peru y Bolivia
      • I could not have said it better myself...
      • Stocks -- Part IX: Why I don't like investment advisors
      • Happy Birthday, jlcollinsnh; and thanks for the gift Mr. MM!
    • ► May (6)
      • Stocks -- Part VIII: The 401K, 403b, TSP, IRA & Roth Buckets
      • Mr. Money Mustache
      • The College Conundrum
      • Stocks -- Part VII: Can everyone really retire a millionaire?
      • Stocks -- Part VI: Portfolio ideas to build and keep your wealth
      • Stocks -- Part V: Keeping it simple, considerations and tools
    • ► April (6)
      • Stocks -- Part IV: The Big Ugly Event, Deflation and a bit on Inflation
      • Stocks -- Part III: Most people lose money in the market.
      • Stocks -- Part II: The Market Always Goes Up
      • Stocks -- Part 1: There's a major market crash coming!!!! and Dr. Lo can't save you.
      • You can eat my Vindaloo, mega lottery, Blondie, Noa, Israel Kamakawiwo 'Ole, art, film and a ride on the Space Shuttle
      • Where in the world are you?
    • ► March (7)
      • How I lost money in real estate before it was fashionable, Part V: Sold! and the taxman cometh.
      • How I lost money in real estate before it was fashionable, Part IV: I become a Landlord.
      • How I lost money in real estate before it was fashionable, Part III: The Battle is Joined.
      • How I lost money in real estate before it was fashionable, Part II: The Limits of the Law.
      • How I lost money in real estate before it was fashionable, Part I: Impossibly Naive.
      • You, too, can be conned
      • Armageddon and the value of practical skills
    • ► February (6)
      • Rent v. Owning Your Home, opportunity cost and running some numbers
      • The Casanova Kid, a Shit Knife, a Good Book, Having No Regrets, Dark Matter and a bit of Magic
      • What Poker, Basketball and Mike Whitaker taught me about Luck
      • How to Give like a Billionaire
      • Go ahead, make my day
      • Muk Finds Success in Tahiti
    • ► January (5)
      • Travels with "Esperando un Camino"
      • Beanie Babies, Naked Barbie, American Pickers and Old Coots
      • Selling the House and Adventures in Staging
      • The bashing of Index Funds, Jack Bogle and a Jedi dog trick
      • Magic Beans
  • ► 2011 (22)
    • ► December (1)
      • Dividend Growth Investing
    • ► November (2)
      • The Mummy's head, Particle Physics and "Knocking on Heaven's Door"
      • "It's Better in the Wind" or why I ride a motorcycle
    • ► October (1)
      • Lazy Days and School Days
    • ► July (2)
      • The road to Zanzibar sometimes goes thru Ecuador...
      • Johnny wins the lotto and heads to Paris
    • ► June (16)
      • Chainsaws, Elm Trees and paying for College
      • Stuff I’ve failed at: the early years
      • Snatching Victory from the Jaws of Defeat
      • The. Worst. Used. Car. Ever.
      • Top Ten reasons your future is so bright it hurts my eyes to look at it
      • The Most Dangerous Words Your Customer Can Say
      • How not to drown in The Sea of Assholes
      • What we own and why we own it
      • The Ten Sales Commandments
      • My ever so formal and oh so dry CV
      • How I failed my daughter and a simple path to wealth
      • The Myth of Motivation
      • Why you need F-you money
      • My short attention span
      • Why I can’t pick winning stocks, and you can’t either
      • The Monk and the Minister

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