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My Money Journey

How 30 people found financial freedom – and you can too

By Jonathan Clements
Cover of My Money Journey (Paperback) by Jonathan Clements Cover of My Money Journey (Ebook - phone) by Jonathan Clements Cover of My Money Journey (Ebook - tablet) by Jonathan Clements

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About the Author

Jonathan Clements

Jonathan Clements is the founder and editor of personal finance website HumbleDollar.com. Earlier in his career, he spent almost 20 years at The Wall Street Journal, where he was the newspaper’s personal finance columnist. Jonathan is the author of eight personal finance books, including the award-winning How to Think About Money. Born in England and educated at Cambridge University, Jonathan ... Read more on Jonathan Clements

Contents Listing

INTRODUCTION: YOUR JOURNEY STARTS HERE, BY JONATHAN CLEMENTS

PART ONE: FIERCE FRUGALITY

ROAD TO RETIREMENT BY DENNIS FRIEDMAN
My first big investment
A mistake pays dividends
A lesson from my father
Tomorrow is here

SAVING MYSELF BY KRISTINE HAYES
My journey begins
Eyeing retirement
A change in plans
Where I stand

FREED BY FRUGALITY BY SANJIB SAHA
Coming to America
Wrestling with readiness
Buying time

EARLY AND OFTEN BY MIKE ZACCARDI
Winds of change
Trading places
Seven figures

TAKING CONTROL BY JIAB WASSERMAN
Moving to America
Meeting Jim
Arriving early

NOW AND THEN BY JONATHAN CLEMENTS
Growing up fast
Second childhood

PART TWO: FAMILY FIRST

LEARNING BY HELPING BY RICHARD CONNOR
Joining the club
Helping my parents
Assisting my in-laws
Taking care of ourselves

MARGIN FOR ERROR BY ANIKA HEDSTROM
Twin challenges
A lifetime's preparation
Birthing a business

MY FAVORITE DETOURS BY JOHN GOODELL
Money well saved
From zero to three
Sacrificing my pension
Measuring wealth

MAKING IT BY MATT CHRISTOPHER WHITE
Tennessee orange
Falling into place
Not like we planned
Hunting for treasure
The view from here

INVESTING TOGETHER BY SONJA HAGGERT
Off to work
Getting serious
Time to retire

PART THREE: SLOW AND STEADY

LESSONS UNLEARNED BY HOWARD ROHLEDER
From three to two
My turn to invest
Replaying the messages

DRIVEN TO SUCCEED BY RICHARD QUINN
Clambering upward
Fulfilling dreams

PROJECT MICKEY BY PHIL KERNEN
Home and away
Matters of principal
Free at last

FILLING PIGGYBANKS BY KYLE MCINTOSH
Early hustle
Corporate years
Switching gears

MONEY VIGILANT BY GREG SPEARS
Read all over
In the Vanguard

PART FOUR: WINDING PATHS

MAKING A COMEBACK BY JAMES KERR
Beckoning better times
Making it happen
Faith rewarded

A ROCKY ROAD BY DON SOUTHWORTH
Under the influence
Sunday school
Giving and receiving
Doing the right thing
Getting to enough

FINDING MY BALANCE BY WILLIAM EHART
Any which way but happy
Diary of futility
Hard lessons
Back on track
It's okay to pay for advice

COURSE CORRECTION BY JIM WASSERMAN
My rude awakening
Meeting Jiab
Going places

INVESTING IN MYSELF BY CATHERINE HORIUCHI
College on the cheap
Sensitive computers
Faraway lands
Starting to save
Back to academia
My retirement

GETTING BY BY MATT TROGDON
Finding money
Finding my way

FOLLOWING MY MUSE BY RAND SPERO
Getting educated
The future foretold
Some life-changing advice
The accidental planner
A fork in the road

PART FIVE: RISK AND RETURN

FACING DOWN RISK
by Adam M. Grossman
Left with a name
Decision time
Measuring success

A BAD BUSINESS BY JUAN FOURNEAU
Learning the business
Long road back

FIVE TIMES LUCKY BY CHARLES D. ELLIS
Case closed
Meal ticket
Embracing average

A DAY TO REMEMBER BY WILLIAM BERNSTEIN

MY EXPERIMENTS BY JAMES MCGLYNN
Getting down to work
Switching gears
Taking care

A COSTLY EDUCATION BY JOHN LIM
Hatching plans
Choosing badly
Leap of faith

LEARNING BY ERRING BY MICHAEL FLACK
Buying past performance
Fool's gold
Built to last–maybe
Master investor--briefly
Wait, there's more
Road to indexing

CONCLUSION: WHAT'S YOUR STORY?, BY JONATHAN CLEMENTS
INTRODUCTION: YOUR JOURNEY STARTS HERE, BY JONATHAN CLEMENTS

PART ONE: FIERCE FRUGALITY

ROAD TO RETIREMENT BY DENNIS FRIEDMAN
My first big investment
A mistake pays dividends
A lesson from my father
Tomorrow is here

SAVING MYSELF BY KRISTINE HAYES
My journey begins
Eyeing retirement
A change in plans
Where I stand

FREED BY FRUGALITY BY SANJIB SAHA
Coming to America
Wrestling ...

Jacket Text

Getting to financial independence can seem like an impossible journey. What path should you take? How do you get started? What about bumps in the road?

The good news is there are proven routes to freedom and wealth—and they're nearer and simpler than you think.

To help you make your own way to true and lasting financial independence, acclaimed personal finance writer Jonathan Clements has brought together the inspiring financial life stories of 30 people, all told in their own words.

Learn from the triumphs and disasters, the challenges and reflections of a wide range of real men and women just like you—and the surprising but repeatable ways they achieved financial freedom.

From a chemical plant worker to an Army lawyer, a unitarian minister to a high-school teacher, a software engineer to a retired mutual fund manager—all have timeless wisdom and inspiration you can put into action right now, bringing you one step closer to your own financial freedom.

Professional Reviews

Embedded in the unique and delightful financial life stories of 30 individuals are the most important lessons investors must learn. Financial security requires disciplined, regular saving and investing, minimizing costs (as through indexing) and taxes (as through Roth IRAs), and avoiding common blunders. Perhaps even more important than financial health, loving your work and having a genuine interest in others leads to a fulfilling life. Burton G. Malkiel, Author of A Random Walk Down Wall Street (50th anniversary edition)

These 30 deeply personal essays on achieving financial goals are inspiring and instructive. Great reading for all who want to achieve lifetime financial security. Consuelo Mack, Anchor and Managing Editor, Consuelo Mack WealthTrack

Any book can talk about the blocking and tackling involved in personal finance. What I love here are the stories of the stops and starts, the successes and the oops through the decades of a personal journey. No one’s life is a predictable straight line. It is how we navigate the unexpected that gives us the foundations for financial independence and security. Clark Howard, Renowned consumer advocate and founder of Clark.com

A real-life look at how messy, complex—but ultimately rewarding—a personal relationship with money can be. Morgan Housel, Bestselling author of The Psychology of Money

I loved every bit of this wise book. Its financial success stories don’t owe to towering salaries or complicated investment strategies. Instead, the contributors chalk up their financial freedom and peace of mind to more relatable factors: healthy savings habits, common sense, and a dash of good luck. I saw a bit of my own story reflected in its pages, and it’s a good bet that you will, too. Christine Benz, Morningstar’s director of personal finance

My Money Journey is a must read for people—of any age or experience—who want to be better at managing their financial lives. It is chock full of real-world stories of financial and investing success, and challenge, from people ‘just like us.’ There’s no better way to learn. Those stories, and the summary lessons from each contributor, provide a great road map for readers as they chart their own course to financial well-being. Jack Brennan, Author of More Straight Talk on Investing and the former CEO and Chairman of Vanguard Group


Other books by this author

Cover of How to Think About Money by Jonathan Clements Cover of How to Think About Money by Jonathan Clements Cover of How to Think About Money by Jonathan Clements
How to Think About Money
From £7.99


Media Coverage

The Rational Reminder Podcast

We also revisit a past conversation with Jonathan Clements, before catching up with him in real time to discuss his new book My Money Journey: How 30 People Found Financial Freedom - and You Can Too. ...

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Morningstar The Long View

On the podcast today, we welcome back Jonathan Clements, who was among our first guests when we launched this podcast back in 2019. Jonathan is the founder and editor of HumbleDollar, and he is also ...

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MarketWatch

Jonathan Clements, editor of new personal finance book My Money Journey, discusses the many paths to the top of the mountain.

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A Wealth of Common Sense

Jonathan Clements has a new book out called My Money Journey in which 30 people share how they achieved financial freedom.

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BadCredit.org

Clements is also the author of numerous personal finance books, including “How to Think About Money,” and is the editor of “My Money Journey,” a collection of inspiring financial life stories ...

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Morningstar

Jonathan Clements, founder and editor of HumbleDollar and editor of a new book called My Money Journey, shares his thoughts on rising interest rates, crypto, retirement, and his own financial story.

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Think Advisor

For his ninth book, “My Money Journey: How 30 People Found Financial Freedom — And You Can Too” (Harriman House, April 2023), he presents a collection of revealing essays written by 29 other ...

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LifeBlood

On this edition of the Book Club, Jonathan Clements talks about his newest book, My Money Journey: How 30 People Found Financial Freedom and You Can Too. Jonathan wrote for the Wall Street Journal ...

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Oblivious Investor

On another book-related note, I recently read Jonathan Clements’ new compilation work, My Money Journey: How 30 people found financial freedom – and you can too. It’s exactly what it sounds ...

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AARP

How can you achieve financial freedom? A new book, My Money Journey, edited by Jonathan Clements, founder of the financial website Humble Dollar, describes how 30 people are pursuing or achieved ...

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Barron's

Barron's feature a section adapted from My Money Journey: How 30 People Found Financial Freedom - And You Can Too. In this extract, Jonathan Clements discusses one of the first financial lessons he ...

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