JLCollinsnh

The Simple Path to Wealth

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Disclaimers & Policies

About the content:

The ideas, concepts and everything else on this blog, excepting of course comments made by others, 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 am happy to answer your questions, these answers are based on what I would do based on the limited information you will have provided. I am not a professional investment advisor, nor do I aspire to be one.  Further, I cannot possibly know the full details of any reader’s personal situation or needs.

jlcollinsnh.com makes no representations as to accuracy, completeness, currentness, suitability, or validity of any information on this site 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.

The investment ideas of others:

Occasionally I am asked to read some book, article and/or blog and dispute the ideas in them. I simply don’t have the time or inclination to do this. I’m not the least bit interested in trying to persuade anybody of anything.

If you read my blog you’ll soon have a very clear idea of my views. You can then read other sources, compare and decide for yourself what resonates.

About the ads and affiliate links:

After 2.5 years I have finally decided to accept ads on this blog. It is important for you the reader to understand most of these are automatically generated. They do not necessarily reflect my opinion or carry my recommendation.

If you want to know what I think about any particular company or product, please use the search function. If I have written about it, you’ll find my unvarnished opinion in one of the posts.

Note that some of the products mentioned on the blog and some of the links are affiliate links, meaning that if you click on them and make a purchase jlcollinsnh.com may receive compensation.

If you choose to comment:

You are solely responsible for any comment/content you leave on this blog.  By leaving a comment on this blog it becomes a part of the public domain and you hereby grant the owner of this blog the unlimited right and license to use, copy, display, save, reproduce, distribute, or publish (including, without limitation, in another blog post, article or book) your content or comment free of charge.

If you tried to comment and it didn’t appear:

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Important Resources

  • 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.
  • 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.
  • 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
  • Republic Wireless is my $20 a month phone plan. My wife is also on the $20 plan and our daughter who uses more data is on the $25 plan. Monthly total for three phones and plans: $65. We all travel widely and we can talk to each other from wherever we are and for however long we please. My RW Review tells you how.
  • Vanguard.com

These are companies I have personally vetted and recommend.

YNAB and Tuft & Needle both support this site with paid ads. If you click on those ads it shows them the ads are working for them and that support will continue.

Personal Capital, Betterment and Republic Wireless are affiliate partners of this site. Should you click though to their site from this one and chose to do business with them, this blog will earn a small commission.

Vanguard is not an advertiser or affiliate but, Vanguard if you are listening, we’d love to have you!

Comments

  1. Tom Semple says

    March 13, 2014 at 4:07 pm

    Love to read here.

    Just a thought . . . not that I’m a lawyer…

    Looking at the following text “…By leaving a comment on this blog it becomes the property of jlcollinsnh.com and it may be used in another post, article or book. …”

    I wonder if you might be better served by adjusting a portion of that from “…becomes the property of jlcollinsnh.com…” to something along the lines of “…becomes licensed to jlcollinsnh.com in an ulimited fashion, though the material itself is solely the product and property of the posting entity…”

    My thought may be obvious, though if not, I suspect it’s a better liability to have an unlimited license to use the product rather than becoming the owner of the product, with whatever liability the ownership may carry.

    If you happen to read this comment and find it way off base, I look forward to finding out how/why.

    Cheers
    Farmboy

    Often willing to “pay it forward” & encourage others to do the same . . .

    Reply
    • jlcollinsnh says

      April 10, 2014 at 6:06 am

      Thanks Farmboy…

      Glad you like it!

      Thanks, too, for your suggested phrasing. It may well be better than what I’m using, or not. Thanks for giving me a chance to reconsider it.

      I’m not a lawyer either and am just trying to let people know what to expect when they post comments and questions and I respond.

      I know we have lawyers out there reading. Any thoughts?

      Reply
    • jlcollinsnh says

      April 25, 2014 at 12:09 am

      Thanks Tom again for your thoughts.

      There is now new lawyer-approved phrasing in place!

      Reply
  2. Carrie says

    September 8, 2016 at 12:00 am

    Hi Josh

    Thank you so much for all of your work. It has really helped me and my family.

    Do you have any suggestions for my 21 year old son? He has about $1200 in the vanguard star fund. It was in the target retirement fund, but was losing money. We know this is long term. Any other fund suggestions? He makes about minimum wage & is putting in about $10/mo.
    Thank you,

    Carrie

    Reply
    • jlcollinsnh says

      September 8, 2016 at 12:14 am

      Hi Carrie…

      I’m not sure who Josh is, but this is my take…

      The important thing at this point is that he is saving and investing. That is a huge positive step. Kudos to you both.

      I would have left the money in the Target fund. All funds are going to drop periodically. The Star fund will too. This is a natural part of the process and the key to successful investing is to ignore it.

      Now that it is in the Star fund I would leave it there until he has the $3000 minimum to invest in the Total Stock Market Index Fund VTSMX.

      Once that grows to $10,000 it can move to VTSAX, the same portfolio with lower costs. Vanguard does this automatically I think, but pay attention and remind them if needed. This move will be tax free.

      Have him read http://jlcollinsnh.com/stock-series/ and/or my book for the reasons why.

      Remember, both VTSAX and VTSMX will also drop in value periodically and well. The Series and the book will explain why this doesn’t matter.

      Reply
  3. El says

    July 20, 2018 at 9:45 am

    Hey man,

    thank you so much for the book SPTW. It made it so much easier for me to explain investing to my kids. Has anyone contacted you for publishing a German version? Maybe with some additional notes for German users? If not let me know as I would love to see a localised version!

    Best,
    El

    Reply
    • jlcollinsnh says

      July 20, 2018 at 4:33 pm

      Thanks El…

      ..glad you liked it.

      We just inked a deal to publish the book in Korean, but nothing in German as yet.

      If you are a German publisher and have an interest, please let me know and I’ll put you in touch with my agent.

      Reply
  4. Jennifer Keihner says

    October 2, 2018 at 5:02 pm

    Thank you, Mr. Collins, from the bottom of my heart for your book and blog. You have changed the trajectory of my future, as well as the future of my husband and my two (very) young children. You are my hero, as much as Jack Bogle is yours, and I am so grateful to you for sharing all of your knowledge and sass! Please keep it comin 🙂

    Reply
    • jlcollinsnh says

      October 2, 2018 at 5:49 pm

      Awe…

      …you made my day, Jennifer! 🙂

      Reply
  5. Shannon says

    October 13, 2018 at 6:05 am

    Just wanted to say thank you for your simple book! I have previously rolled over an IRA to a high fee firm without really understanding it. Probably have lost quite a bit of $$ in the process but thankful to be figuring this out in my 30’s. Plan to move all to Vanguard soon with advice from your book. Also, coincidentally, I am losing Vanguard as a employer retirement account manager to fidelity this year. Your book is helping me navigate the waters on what to do with that change. Thanks again for making the stock market simple to understand to a healthcare minded (and not at all a stock market minded) girl.

    Reply
    • jlcollinsnh says

      October 13, 2018 at 4:50 pm

      Thanks, Shannon…

      …You made my day! 🙂

      Reply
  6. Rochelle Fernandes says

    November 29, 2018 at 3:18 am

    I loved listening to your book and am having my 3 kids (ages 5,9,13) listen to it during the drives to school and back. I have been following your strategy – for the most part – since about 2004 as my Finance professor during my MBA also advised the same, after he had all 40 of us do a “beat the market” project. He demonstrated that even those that came “ahead”, had taken a higher risk and ^so^ hadn’t in fact beat the market. That project was eye opening for me and your book was a much needed refresher as it had been 14 years since this learning. The only thing that was different is my professor advised VGSPX (now VFIAX) and not the VTSAX. Can you please explain why you recommend the total market and not just the S&P 500?
    Thanks,
    Rochelle

    Reply
    • jlcollinsnh says

      November 29, 2018 at 6:35 am

      Hi Rochelle…

      First, I’m not sure making your kids listen to my book isn’t a form of child abuse. 😉

      But from my point of view, the first part of your comment would make a wonderful 5-star review on Amazon 🙂

      Kudos to your professor. Hope you sent him a copy of my book?

      As for your question, I address this in Addendum 1 in this post: https://jlcollinsnh.com/2013/05/02/stocks-part-xvii-what-if-you-cant-buy-vtsax-or-even-vanguard/

      In short, VTSAX adds small and mid-cap stocks to the S&P 500 for broader coverage. But the S&P 500 makes up 80% of VTSAX so the difference is slight, as is my preference for it.

      If you have VFIAX, it will serve your needs just fine. 🙂

      Reply
  7. Wendy says

    December 26, 2018 at 11:49 pm

    I recently finished your book–which introduced me to your blog. What a helpful resource! I’ve been stumped by how to get started investing but your book really helped give me a simple place to start–and potentially stay!

    In the first part of your book, you describe your father’s advice about “if it’s too good to be true…” In all honesty, I found myself wondering what were the downsides to Index Fund investing. I was sure there had to be some. Whenever I learn something new, I like to weigh the pro’s and cons–to make an informed decision. I asked myself, what if everyone followed this advice? What impact would it have on the market? On society?

    In my research, I came across this article referring to Jack Bogle’s concern of the growing dominance of Index Funds: http://time.com/money/5468239/jack-bogle-index-funds-problem/

    It is a fairly recent article and I was wondering if you had any thoughts on his concern.

    Thank you!

    Reply
    • jlcollinsnh says

      December 27, 2018 at 11:54 am

      https://jlcollinsnh.com/2018/12/21/happy-holidays-and-a-bit-on-mr-market/#comment-4221519

      Reply
  8. Maja says

    August 30, 2019 at 11:47 am

    Hi Mr. Collins, I just finished reading your book and wanted to pass along a big thank you! This is the first financial book I have read that breaks things down clearly and provides specifics. I wish I would have had access to it 20 years ago, but it has completely motivated me to make some changes surrounding our current savings/investments and I’m thrilled to use it as a tool as my children get older. We often talk to them about the importance of saving, not spending money you don’t actually have, etc. but your book is a true road map! I am passing it on to my family and friends.

    I had a couple follow up questions that I hope you don’t mind me asking. I know you mentioned to keep the cash for your regular expenses in a bank account, but just to clarify, the f-u money or potentially any other money you feel you need fairly liquid – that should sit in a non-IRA VTSAX, correct? This way you still have access to it without early retirement withdrawals but it earns interest.

    Also, what are your thoughts on 529 Savings plans for college? We currently have them set up for our kids who are still 8-10 years out in the aggressive age based allocations with total annual asset based fees of .16%. Should we continue contributing here or would setting up an index fund for them make more sense?

    Thank you again and warm regards,
    Maja

    Reply
    • jlcollinsnh says

      September 2, 2019 at 5:30 pm

      Hi Maja,

      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.

      Reply
  9. Justin says

    January 3, 2020 at 12:12 am

    Hi, Jim.

    I appreciate your book and blog. Heard about you while listening to the Choose FI podcast, so I decided to check out your book and reach out.

    So I get setting up Vanguard account, but I don’t know what to do next. I am a part of a state retirement system and last May, I became vested. (Woo hoo!!) The state takes 6.25% of my salary and they match 14 percent. It was 6 percent until about a year ago.

    1. So do I call the retirement system and tell them to switch to Vanguard? What do I do? How do I switch to Vanguard?

    2. Am I supposed to set up a Vanguard account on my own? I don’t have that $10K just lying around to just start it.

    I need your help. These are good steps provided in your book and blog, but I’m still like, “What do I do?” I’m 34 and really want to do the right things.

    Thank you for helping me.

    Reply
  10. Lila Li says

    March 9, 2020 at 10:14 pm

    Hi,

    I’m Lila, the copyright assistant of Beijing Zito Books, we’re a Chinese publisher.
    We’re interested in your book,
    The Simple Path to Wealth: Your road map to financial independence and a rich, free life Paperback – June 18, 2016
    by J L Collins (Author), Mr. Money Mustache (Foreword), 978-1533667922.
    We would like to know whether the Simplified Chinese right of this title is sold or not.
    Sorry to contact you on comment, because I didn’t find your e-mail address. It’s okay to reply me on email. Many thanks and look forward to hearing from you soon.

    Best wishes,
    Lila

    Reply
    • jlcollinsnh says

      March 9, 2020 at 10:15 pm

      Hi Lila…

      I’ve passed your inquiry on to my agent.

      Thanks!

      Reply
  11. Lydia says

    January 2, 2021 at 8:47 am

    Thank you so much for writing your book. I listened to your audiobook twice and then purchased the hard copy. I regret not reading this in my 20s. I’ve begun presenting some of your simple ideas to my friends and coworkers and it has generated a lot of interest. I believe you’ve caused a ripple effect which will benefit many people. Thank you for the work that you do!

    Reply
  12. Trinh Phuong says

    March 24, 2021 at 10:16 am

    Hi,
    I’m writing to you from Vietnam. I’m Trinh Hai Phuong, Copyright Manager of Happy Live company which is majoring in publication.
    I’m so interested in the title “The Simple Path to Wealth: Your road map to financial independence and a rich, free life” – Paperback – June 18, 2016
    by J L Collins (Author), Mr. Money Mustache (Foreword), 978-1533667922.
    I write to you to ask for translation rights to publish Vietnamese editions in Vietnam.
    Sorry to contact you on comment, because I didn’t find your e-mail address.
    I look forward to hearing from you
    Best regard
    ————————
    Mr. Trinh Phuong
    Copyright Manager
    Mobile: +84 908 798 705
    Email: phuong.trinh@wecreate.life

    Reply
    • jlcollinsnh says

      March 24, 2021 at 11:28 am

      Thank you for your interest.

      I have passed your contact info on to my agent.

      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?
      • Case Study #9: Lars -- maximizing some good fortune and considering "dollar cost averaging"
      • Case Study #8: Ron's mother - she's doin' all right!
    • ►January(4)
      • roundup: Some random cool things
      • Stocks — Part XXI: Investing with Vanguard for Europeans
      • 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
      • Case Study #4: Using the 4% rule and asset allocations.
    • ►October(3)
      • Republic Wireless and my $19 per month phone plan
      • Case Study #3: Let's get Tom to Latin America!
      • The Stock Series gets its own page
    • ►September(2)
      • Case Study #2: Joe -- off to a fast start!
      • Chautauqua 2013: A Week of Dreams
    • ►August(1)
      • Closing up shop plus an opening at Chautauqua, my new podcast, phone, book and other random cool stuff
    • ►July(1)
      • They Will Kill You For Your Shoes!
    • ►June(4)
      • 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
Blogroll
  • Can I Retire Yet?
  • ChooseFI
  • Go Curry Cracker
  • Fiology
  • Mad Fientist
  • Millennial Revolution
  • Mr. Money Mustache
  • The Power of Thrift

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