Season’s Greetings!!

Before the day slips away I just wanted to take a moment to wish you and yours….


A very 

Merry Christmas 

and a 

Wonderful Holiday Season


Here’s to a 

Happy, Healthy(!) and Prosperous New Year!




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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.


  1. Mahnosh Partovi says

    Merry Christmas! Cheers to a heathy and happy 2022. I’ve just renewed our passports. Waiting to hear about Chautauqua 2022??!❤️🤍💚

  2. Simon Taylor says

    Thanks to following your advice, every new year gets more prosperous. Few people deserve more of my seasonal wishes than you!

  3. JL says

    Thanks Mr Collins! All the best to you all, too. Your new book arrived just in time for a round of “everyone in the family needs to read this” gifting! Thanks for all you continue to do.


  4. vorlic says

    Thanks, Mr Collins! Health, wealth and happiness to you and yours in the year to come – here’s hoping for Chautauqua 2022.

  5. Michael Lee Clements says

    Thank you, sir. I would like to wish you and your family a Merry Christmas and a Happy New Year as well. By the way, I finally purchased your book, The Simple Path to Wealth, on Amazon. I received it yesterday and have already started reading it. I have read several chapters so far, I am going to try to get my wife to read it as well, as I think that this information will go a long way in helping us reach our financial goals. Merry Christmas!!

  6. John says

    Merry Christmas to you as well! I received a notification from Vanguard last week congratulating me on maxing out my contribution rate for the year for the first time. Quite the Christmas present to say the least. Thank you again for writing “Simple Path to Wealth”. You are making a difference in people’s lives.

    • jlcollinsnh says

      If you have read this blog and/or my book, and you’ve listened to my mediation video (twice!) and you are this freaked out because the market has dropped ~5% back to what was a record high just a few months ago, investing in stocks is not for you.

      You won’t want to experience an actual bear market, let alone a real crash.

      • Dan says

        problem is I just started investing a few months ago. Put a big lumpsum amount as you guys always suggest gives you higher rewards as opposed to DCA…now I’m freaking out. Will try to stay the course though. Thanks JL

  7. Chin says

    Happy New Year and thank you for all that you do. You’ve been instrumental in my financial education and I can’t say enough good things about The Simple Path to Wealth. All our babysitters have gotten a copy of your book as gifts from us. I just wanted you to know that your sharing of knowledge will make a positive impact on so many lives. Also, I love your guided meditation for when the stock market is crashing. Thanks again.

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