He blogs about financial and other matters at JLCollinsnh.com. JL Collins wrote his book The Simple Path to Wealth for his daughter (it started off as a series of letters to his daughter about money and investing) and then it turned into a blog in 2011 and then it turned into this book that was published in 2016. Didnt you write on article on creating a charitable foundation with Vanguard? I imagine you would say that we should stay tough and that the core principles hold truebut it really seems that, beginning in 2020, we may have crossed a rubicon: From the the phenomenon of meme stocks and market capitalization of small companies with nothing more than an idea far exceeding the market caps of established fortune 500 companies, to the current political climate and health of our democracy. I wrote it in 2 parts here: https://physicianfinancebasics.com/the-simple-path-to-wealth-the-5-minute-version-part-1/ and here: https://physicianfinancebasics.com/the-simple-path-to-wealth-the-5-minute-version-part-2/ I put it all in VTSAX. You are my hero! Thank you for opening the eyes of many of us who still adhere to humility! Benz: Just to follow up on that, does that give you pause given that it seems like by most measures, non-U.S. stocks are inexpensive relative to U.S. today? Jim hasnt mentioned his FBI connection and a Sundance that we participated in a few years back. I wonder if working in the ad game causes some sort of DNA alteration that induces automobile masochism. I actually read the book, The Simple Path To Wealth, in April 2020. Sure, you will eventually win if you have many many years and a lot of money you cant touch. Im not aware of any pornography stocks in VTSAX or any in general for that matter. It has been a great ride so far, even if I wasnt always astute enough to appreciate it at the time. If I retire at 60 from my present job this is the result. Chautauqua 2018 Greece: A week for the gods! Just a quick Thank You. Last week, my brother texted me. Or not. My names Eliza, Im a co founder @ Learnt. Collins: But I do agree with that. Uploaded by: Ana Skywalker. As I point out in this post: https://jlcollinsnh.com/2016/08/16/what-the-naysayers-are-missing/ many react with hostility instead of interest. THANK YOU Mr. Bogle for creating the tool and thank you Jim for teaching us how to used it. It's just that I've spent at least half of those dimes over the years buying the thing that was most important to me, and that's my freedom, that's my time. Now I have 2 kids in college and several nieces and nephews and am trying to pass down some of this philosophy. Financially what do you think my next best move would be to help me get back on my feet? I have been called The Godfather of FI. I would like your opinion on something. Your advice is outstanding. It has long been on my list, but not for the immediate future. Sure will update when I know sir. Just getting into investing, though. In the dark, bewildering, trap-infested jungle of misinformation and opaque riddles that is the world of investment, JL Collins is the fatherly wizard on the side of the path, offering a simple map, warm words of encouragement and the tools to forge your way through with confidence. You can reach me via the email I filled in on your form when I posted this comment, or via my contact form on my website (averybreyer-dot-com/contact/). PER YEAR $ 39,403.80 Thanks in advance for any insights. I am outside the US now so unable to see you at FinCon, but probably will attend this in the future. Im married, so reveal wondrous truth to other half. We went into chapter 13 with 90 grand of debt. You can post it right here, unless the financial aspect relates to another post Ive written? Is owning stocks (whatever they may be) of companies you dont support something you wrestle with? To his amazment (and consternation) he ended up teaching everyone BUT his children and grandchildren about money and life through the blog. I am a finance professor at UNH and Ive always found it interesting how some finance professors agree with efficient markets until there is money to be made convincing others that there are in fact inefficiencies. Or is it more likely to go down? Well, the market goes up three out of four years. I think I mentioned a little bit earlier in our conversation that my dad had dabbled with stocks based on some tips and he got burned and that was the end of that. If you are so inclined, a short version of it would make a wonderful 5-star review for me on Amazon. Are they still available? . Stocks Part XIV: Deflation, the ugly escort of Depressions. Are there any columnists, authors, thinkers who you especially appreciate? Best wishes, Used to be in NH. What are your recommendations on a particular ETF which only tracks the S&P 500 instead of the whole market (VFV)? Time Machine and the future returns for stocks, Kibanda: Mr. Anti-house buys his dream house. Ive always worked, but made enough to travel, quit, then repeat. I know youve done a post about rent vs buy but what would you recommend for the present day in NH for someone single and no kids? Hello Mr. Collins: Having just finished your book, and graduation around the corner, Id like to get all 15 seniors a copy of your book. Youve sustained a thoughtful dialogue on an important topic via a challenging medium. Over the past few weeks Ive been working my way through the various podcasts that youve been part of. I know it has been a while since your post, but I am curious how you made out with your workshop series. Thanks so much! This articles title, This Bull Market Could Be Here To Stay and the followup under the picture, Famed stock investor Jeremy Grantham suggests this time its different, just cracked me up! , Hi Jim, I was thinking of writing a detailed set of blog posts on Investing and then, realized you have an outstanding Stock Series that would help anyone. Thanks for your help on this! From there I found MF and MMM. Podcast? The books arrived a bit over a week ago. The main character, Erik, is a fan. Surprise.. our bill was $6382. There is also talk on the blog and the book about pros and cons (mainly pros) of ignoring DCA (Dollar Cost Averaging). Now I am off to read more of your musings.. Other than most of it is informative Only MOST of it??!! But you may have looked at the blog more recently than I have. Can you help me understand how this would work. So he started OnMoneyAndLife.com. And on my lunch hour one day, I walked down Michigan Avenue to a brokerage office that I'd seen the storefront and walked in, and I said, I'd like to talk to somebody about buying some stock. And they introduced me to the broker, and he sat down and asked me what, looking back on now, were actually pretty good questions. No one had taught her how to approach money. We also sell both admissions and sponsorship packages for our investment conferences and advertising on our websites and newsletters. Hi JL, In all your articles, you talk about the Vanguard index funds you recommend, but never mention why you prefer those over the corresponding ETF, even if they have the same expense ratio. Jim, Id like to invite you to a speaking engagement with a personal finance club in the greater DC area in early September. Its Valentines Day. Im working on it. You havent seen me address these type of questions as they concern market timing and that is something I dont believe is possible. i wish i had known about these investment strategies way sooner. Collins: Oh, they're too numerous to name individually. I am also sure, that it is wise, not to be all to dependent on the shiny illusion, that consumption will make you happy. Thanks for the great read. Cheers. Happy New Year! https://curryfinance.com/2017/11/19/why-i-like-vanguard-balanced-fund-vwiax/. Should we now pull it all out of American Funds and put it into VTSAX? InvestED, hosted by hedge fund manager and New York Times best-selling author Phil Town and his daughter Danielle, is the perfect stock market education for beginners. And we have unwavering standards for how we keep that integrity intact, from our research and data to our policies on content and your personal data. In many posts you disavow market timing, and buying stocks on sale seems on first sight to be a form of market timing. Read our editorial policy to learn more about our process. Spend less than you earn invest the surplus avoid debt. 10%: cash reserve, HOWEVER So, mistake number one. Its a little late to be starting an IRA (I am 35 and she is 33) for her but I figured better late than never. We want to talk about your path to finding a simple path to wealth, which is the title of your book. Six months after Jackie Collins' death, her daughter celebrates her greatest creation: kickass heroine Lucky Santangelo Rory Samantha Green Tue 23 Feb 2016 13.42 EST Last modified on Thu 22 Feb . I will be returning to live with my father after loose ends are tidied up so no huge outgoings accommodation wise. A bit about myself I am in my late 30s and after years of medical training just started my first real job as a physician, however, even though my monthly income is > 10k Im still struggling check to check. Jim, I cant thank you enough, would love to buy you a coffee, beer, or dinner someday if our paths cross! Just to close, I wanted to get back to your Simple Path to Wealth. Your take on the classic scene from The Gambler is a classic with so many gems in there. https://jlcollinsnh.com/2013/05/02/stocks-part-xvii-what-if-you-cant-buy-vtsax-or-even-vanguard/. Read the Coffee House Investor and just finished The Bogleheads guide to Investing (Lindauer, Larimore & LeBouf). And I'm old enough to have lived in that investing world before Jack Bogle and fortunately after Jack Bogle. Thank you! Great series, absorbing it all, slowly. So, that's one of the core reasons, I'm not a fan of dollar-cost averaging. For someone young like my daughter, who's 27, I tell her all she needs to do is buy VTSAX, the Total Stock Market Index fund . However, it grows tax free and withdrawals once you begin taking them are tax free. I'm pretty sure. However, actively managed mutual funds have outperformed Index for the past many years here. I have been consuming a ton of information on the subject lately, the foundation of that pursuit being The Simple Path. thank you very much for the enormously valuable thoughts and informations you bring to so many readers out there for free. This is a taxable event. I know, sounds too good to be true, which makes me wonder what the catch is? I am as well Ptak: As much as you're a true believer in total stock market, you've indicated that sometimes you feel a need to scratch an itch to buy an individual stock. When it is out, Ill announce it here on the blog and put up an ad for it under the one for the print version. Twenty years from now, it may be that if you bought a house in Detroit, maybe this is the new renaissance city, and you'll be the one who has done very well. I really look forward to your thoughts! That's just gambling. New job for you or volunteer work? The condensed version would contain 80% of your insights, but the reader will not realize it. A suggestion, though: date your posts so its clear when they were written and thus their relevance to current market conditions, for example. 2: what are your thoughts on whole life insurance and disability insurance? ). I am launching a non-profit group in the NH seacoast whose goal is to build financial resilience via small-group workshops. Speaking of the enjoyment of hardship, if you put your tale of woe to music it would make a great country/western song, .you know the ones your ex-beautiful blond girlfriend probably liked. I hope they can learn just by reading. $5105 cash 2016 by J L Collins (Author), Mr. Money Mustache (Foreword) 8,395 ratings Kindle Edition 7.01 Read with Our Free App Audiobook 0.00 Free with your Audible trial Hardcover 17.99 4 New from 17.99 Paperback I will offer two seemingly contradictory suggestions and some comments. LOL, [I had intended to just email you this, but I couldnt find your email address.]. They just feel like unique experiences looking back. And Im thankful you put it in blog form because for me, as unethical as it may sound, I can read it at my desk job during slow periods. I devoured it. Not sure I will be reading your financial guide past page 10. Hi Mr. Collins. I was a case study of yours, #11 I think, a small business owner, back around 2015 or so. Thanks for writing a book about finances that is down to earth!! I am a wife and mother and I have been terrified of investing in the stock market. Thank you for you time. I then became a Janus Fund disciple until it was run into the ground in the DotCom crash. I read your book on Amazon Prime for free. What is the best place for a 70 year old to place some money into investments. Stocks -- Part III: Most people lose money in the market. So, I'm going to break it up into $10,000 chunks and I'm going to invest it over the next year. Well, if the market goes up, the second month you invest you're getting fewer shares for your $10,000 and the third fewer and fewer. Stocks Part XXIX: How to save money for college. but would still like your feedback. Do you have any suggestions in our case. Should they invest in 100% total index fund? Thank you in advance and I look forward to hearing from you. Ive passed your contact info on to my agent. "Harry M. * Collins; three stepsons, Sergt William C. * Collins, Glover and Amos Coninsf one step t daughter. One way I personally handle this question of ethics is I invest in Vanguard Total Stock index and then I contribute to causes I think are worth and let them do the heavy lifting. Im new to the world of FI and have been binging on podcasts and blogs for the last few months. Isnt it University of Illinois Urbana-Champaign, not Champaign-Urbana? Im 41, my fiance is 35, and we just bought a house. Hello. My whole family will sure benefit from it. The only reason for women to work is if the household needs money? of M M,,(ur if , hel,tve1 llinthel Hi Riiialft Ai!"'i mid If . You have provided a great deal of information for European Vanguard investors, but I am unsure what the best way to invest in any of these non-Vanguard ETFs would be. So, anyway. I have dialogue between Erik and Moe, but Im a bit terrified of posting it public. Pretty much in that order although Ive visited several more than once. . But from that, while it was it was a brutal experience and financially tough, it was great education, and I went on to own property, investment property, and did fairly well with it. Because the moment you're invested, whether you dollar cost average in or you lump sum, you are always at risk of the market dropping. You may have said this in the book, but I may have misunderstood it, my apology. She sees how excited I get, and loves that I am really planning for the first time in my life. But now I feel like such a fool. If I own a treasury issued by the United States government that is good for 10 years and pays a 3% yield, I can be assured that I will earn my 3% coupon every year for 10 years and then receive my initial investment back at the end of the term (unless the government goes away or defaults and we have a much larger problem). Were raising our seed round; please, read about it here: https://startengine.com/learnt. Collins recalls a time when his daughter was eight years old and she asked him if they were poor after watching the news showing people standing in a bread line. The. The opportunity costs of this would be about $1200 over 30 months? Do you have any experience with these? I dont remember hearing whether or not you feel it is likewise helpful to hold international bonds to further round out ones portfolio. So, basically, in my world, it's not a matter of age, it's a matter of cash flow. As a physician, youll be making good money and thus will become a target for financial sharks. Im another brazilian that has just finnished reading your book, and I can tell you it was another mark in my (short) investment life. Hi Jim, Your stock series has been influential in helping me choose my asset allocation in my equities portfolio, but I did have one question. We are currently both full time parents for our toddler twin boys planning new future adventures. Right now I hold BNDX as well, since if Im going to add VXUS to balance out my national holdings I dont see why I shouldnt do the same for bonds. Another question I have is on the ROTH IRA. A left-over 401k has access to a BlackRock index fund that that seeks to match the performance of the Dow Jones U.S. Total Stock Market Index with an expense ratio of only 0.0146%. Jim, loved the book. If you dollar cost average, it's only going to work for you if for whatever period you choose to deploy that money, the market goes down. My experience: my return over the last 12 years was 10.09% (Stocks/Bonds allocation was 90/10) and the Index fund that followed S&P 500 in my account gave 11.12%. Hi Jim, how are you? Would you be interested in coming on board as an affiliate partner? Or should I keep it with Fidelity and invest in FZROX? We are very much interested in paid postings. Its not the assets themselves that is the issue, its how they are held. Was in touch with Anna previously but it didnt work out. 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, Homeless, and a bit on the strategy of dollar cost averaging, Wild Turkeys, Motorcycles, Dining Room Sets & Greed, Roots v. Wings: considering home ownership, 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. Life, for the first time, has a clear path for me. You state that you dont need the money her salary brings, so whats the point of her working and that her time is better spent at home with your daughter. Then Money, Mast the Game. Open up Index funds! And so, it became very popular. August 2021. And it just became more and more evident that it's very, very difficult for a stock-picker or an actively managed mutual fund to outperform the index over time. Please let me know if this can be arranged. Once the debt is gone use the discipline to channel that money into your investments and watch your wealth grow just as you watched your debt fade. Let me check out your site and Ill send you a PM. It is wonderful to enjoy your work and hopfully you will for a long, long time. I was eight. And I know that from experience, not only my own, but watching other people, that if you get money right, your life is far easier and more opportunities and rich and rewarding than if you don't get money right. You might consider posting your comment here: https://jlcollinsnh.com/2015/06/02/stocks-part-viii-the-401k-403b-tsp-ira-roth-buckets/, Mr. Collins, I Your pride encourages it. Most of these are industries I dont feel comfortable supporting, even though I have been by owning so much VTSAX. I immediately started my position in Vtsax. Thanks for the reply, I kind of guessed you would answer in this way. The couple. We are a literary agency in Japan and have got a Japanese publisher interested in your book, THE SIMPLE PATH TO WEALTH(1st edition). Yahoo and Google only seem to start at year 2000 and Vanguard only gives up to 10 year performance that I could find. The expectancy of these guys and gals is short, the course of their work beats them up so they really only have 30 years before its over. She is the daughter of Phil Collins and his second wife Jill Tavelman. You may want to read one of Jims case studies on investing a lump sum in VTSAXthere is one where there is a guy with $35K and he recommends putting the entire amount in VTSAX: I can send excerpts that contains the character if you so wish. Youre book was exactly what I needed to hear to re-spark my motivation towards FI. The historical rule of thumb suggests a portfolio mix of 60/40 percent stocks and bonds by asset allocation offers the best route for appreciation while still allowing room for protection during a downturn. Im Mike and Ive been on a bit of a mission to educate myself financially over the last 9 months or so. Exciting! Thank you, Thank you again for making finances approachable! Thank you for your response. I am also married 40 years, and she was around during the ownership of the first Spit, the radio didnt/doesnt work in either Spit, so I guess thats why we are still hitched after all these years and 2 Spitfires!! As you say in the book, they are expensive! Youll never find a wiser advisor with a bigger heart. Not your age. It only works if you have significant income and good timing. I bought your book and loved it, thank you! I will forward your contact info to my agent. Provide specific products and services to you, such as portfolio management or data aggregation. But with that being said Ive not come across a variation of my situation anywhere and I was wondering (well desperately hoping). is visiting Mrs. W. V. Atkins. Thanks for the kind words and for linking to my Stock Series in that post. I am not sure, if I make some mistake in this line of thought. Here I allocated 90% in VTSAX and 10% in VBTLX. We also respect individual opinionsthey represent the unvarnished thinking of our people and exacting analysis of our research processes. I know that these questions (except the first) are very specific to our markets. Waiting and hoping my asset allocation and withdrawal strategy are strong enough to withstand the worst of the storms ahead. If you're going to panic and sell, you don't want to follow my advice, you don't want to be in the market at all. So, you have 75% chance of doing less well with your dollar-cost averaging against the 25% chance of maybe it working out for you. Your ad carreer must have given you even more sins to atone for than mine. Is if the household needs money, so reveal wondrous truth to other half per $... 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