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From Here to Financial Happiness: Enrich Your Life in Just 77 Days
Publishing Pub 2020-04-01 233 Orient Publishing Center if you imagine a cordial and friendly financial experts to a private conversation. and hope to benefit from his financial advice in the develop extension of c...
233 pages, Paperback
First published September 5, 2018
About the author
Jonathan Clements
11 books51 followersJonathan Clements is the author of "How to Think About Money" and editor of HumbleDollar.com. He was born in England, graduated from Cambridge University and now lives just outside New York City. He wrote for Euromoney and Forbes before joining The Wall Street Journal, where he worked for almost 20 years. He also spent six years at Citigroup as Director of Financial Education for the bank's U.S. wealth-management business. Jonathan has written seven books -- a novel and six guides to personal finance. For additional information, go to HumbleDollar.com. You can follow Jonathan on Twitter @ClementsMoney or on Facebook at Jonathan Clements Money Guide.
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Displaying 1 - 21 of 21 reviews
August 2, 2019
Simple but practical recomendations for financial happiness and savings.
The secret to financial happiness is simple, but it isn’t always easy to put into practice. At its most basic, it’s about saving your money – whether by reducing your expenses or putting a set amount into a high-yield account every month. Thankfully, you can achieve this. By reducing your fixed costs, such as your car expenses, giving some thought to your insurance policies and living frugally, you can soon start to amass a healthy stash of money. If you’re then savvy about managing your cash, and invest extra wealth in stock, you can put your money to work for you. Done right, you’ll have not just enough for a comfortable life but enough to last you through retirement, too
(blinkist summary)
The secret to financial happiness is simple, but it isn’t always easy to put into practice. At its most basic, it’s about saving your money – whether by reducing your expenses or putting a set amount into a high-yield account every month. Thankfully, you can achieve this. By reducing your fixed costs, such as your car expenses, giving some thought to your insurance policies and living frugally, you can soon start to amass a healthy stash of money. If you’re then savvy about managing your cash, and invest extra wealth in stock, you can put your money to work for you. Done right, you’ll have not just enough for a comfortable life but enough to last you through retirement, too
(blinkist summary)
January 10, 2021
中文書名：
慢慢致富。
垃圾理財書，不用看。
一堆米國的退休 、勞保制度，不適用於台灣；
作者一直要你填空，給予的內容少到嚇人。
台北市圖書館電子書可線上瀏覽。
慢慢致富。
垃圾理財書，不用看。
一堆米國的退休 、勞保制度，不適用於台灣；
作者一直要你填空，給予的內容少到嚇人。
台北市圖書館電子書可線上瀏覽。
August 22, 2019
I guess most of us don't see finances as important as they are until we hit a wall and experience it. Books like this could at the very least give us awareness of that ahead of time, if not too practical solutions.
This one's worth one read at least, though I'm going to find some more books on the subject later on.
This one's worth one read at least, though I'm going to find some more books on the subject later on.
August 13, 2019
Financial stability is the most important thing which has to be faced by each and every person. Most people don't realize it till their 30s that financial planning is important as well.
Jonathan beautifully explains the gravity of compounding. He also explains why it is utmost important to start investing as soon as possible. Age is never less when it comes to investments.
The author has also mentioned a few ways of investment. He claims that use risky methods to invest while you are young because you still have a larger risk appetite. As you move towards the seniority in age, start moving towards the low-risk investments.
Take insurance policies wisely. Research well.
Overall, this book is a great package of investment ideas and deals. Most importantly, the importance of investing.
Jonathan beautifully explains the gravity of compounding. He also explains why it is utmost important to start investing as soon as possible. Age is never less when it comes to investments.
The author has also mentioned a few ways of investment. He claims that use risky methods to invest while you are young because you still have a larger risk appetite. As you move towards the seniority in age, start moving towards the low-risk investments.
Take insurance policies wisely. Research well.
Overall, this book is a great package of investment ideas and deals. Most importantly, the importance of investing.
April 17, 2022
Financial stability. To say that everyone wants it would be to point out the painfully obvious. But too often it can seem like a distant dream. In reality, though, the desire to have enough money to lead a comfortable life – and enough to see you through retirement – is fulfillable. It’s also probably a lot easier to achieve than you think.
In this book-in-blinks, we’ve boiled From Here to Financial Happiness ’s 77 chapters down to their essentials. You’ll learn what it takes to set you on the path to not just earning more, but making yourself secure as you do so. It might seem overwhelming, but break down the task into its components and it really isn’t so scary.
The secret to financial happiness is simple, but it isn’t always easy to put into practice. At its most basic, it’s about saving your money – whether by reducing your expenses or putting a set amount into a high-yield account every month. Thankfully, you can achieve this. By reducing your fixed costs, such as your car expenses, giving some thought to your insurance policies and living frugally, you can soon start to amass a healthy stash of money. If you’re then savvy about managing your cash, and invest extra wealth in stock, you can put your money to work for you. Done right, you’ll have not just enough for a comfortable life but enough to last you through retirement, too.
In this book-in-blinks, we’ve boiled From Here to Financial Happiness ’s 77 chapters down to their essentials. You’ll learn what it takes to set you on the path to not just earning more, but making yourself secure as you do so. It might seem overwhelming, but break down the task into its components and it really isn’t so scary.
The secret to financial happiness is simple, but it isn’t always easy to put into practice. At its most basic, it’s about saving your money – whether by reducing your expenses or putting a set amount into a high-yield account every month. Thankfully, you can achieve this. By reducing your fixed costs, such as your car expenses, giving some thought to your insurance policies and living frugally, you can soon start to amass a healthy stash of money. If you’re then savvy about managing your cash, and invest extra wealth in stock, you can put your money to work for you. Done right, you’ll have not just enough for a comfortable life but enough to last you through retirement, too.
September 30, 2020
I rate three stars but then I don’t think I quite read the book the way it is intended. As it is, it gives you a bit of personal finance advice every day. The idea, I think, is that you are supposed to then do some additional research and then examine your own assets and see if you should make any adjustments. Perhaps if used in that way it would make for a great guide in setting your positions well. I just read, and in that manner it was very dense, and also didn’t offer details that a novice like myself would need. For example, there were a few sections on optimizing across stocks and bonds, but knowing nothing about bonds or bond markets, I couldn’t really understand—a primer on bonds would have been welcomed; I guess you are supposed to do that research on your own.
Nonetheless I imagine I will be leading through this one again in the future.
Nonetheless I imagine I will be leading through this one again in the future.
January 12, 2021
This is a good book for people who want to improve their financial position and do so in a step-by-step, but not so systematic way. The tone is conversational in nature, and while it’s very US-specific in its prescription, gives a little bit more information about certain terms and ideas enough for you to search for equivalent things in your own country.
Think of it as having coffee and chatting with a financial mentor over 77 days. The author suggests that it be worked through slowly, and I have to admit: if you have the time, it should be treated like you would a nice cup of coffee—small, meaningful sips over time while reflecting between each one.
Think of it as having coffee and chatting with a financial mentor over 77 days. The author suggests that it be worked through slowly, and I have to admit: if you have the time, it should be treated like you would a nice cup of coffee—small, meaningful sips over time while reflecting between each one.
February 13, 2024
A quick read/listen. Very reasonable advice. Not nearly as draconian as some and definitely more realistic than most. The author, who also manages the website www.Humbledollar.com, had a weekly column with Wall Street Journal. Each "day's" assignment is totally reasonable and all major personal finance topics are covered. You could do much worse with other financial advice floating around out there. A great place to start. Similar to Jim Collins "Simple path to wealth" but more comprehensive. A new college graduate could certainly do worse.
August 2, 2019
I read this book at the perfect timing. Sometimes I question whether I’m being too frugal or impulsive with purchases. From this text, I confirmed that balance is key (as with most things). Save money. Reduce fixed costs (ie. car expense) and put your money to work for you. Automate your monthly payments (especially, credit card payments that can negatively affect your credit). The goal is make your money last you through your retirement.
June 19, 2022
找不到中文的書，先用英文版的
別對自己如何用錢太有自信:
首先，我們並不見得真正知道自己想要什麼。
其次，我們不知道未來會帶來甚麼。
第三，我們對金錢的期待過高。
第四，我們缺乏自我約束的紀律。
最後，我們經常會高估了自己的投資技術。
我們的財務生活就是一連串不斷的妥協：每當我們為了某一個目的花錢，我們就得放棄一些其他的東西。
擁有更多的錢未必能減輕我們在財務上的憂慮。想要減輕這憂慮，在於進一步清楚了解自己所擁有的、簡化自己的財務安排、密切注意自己的花費，多想想自己需要甚麼而不是想要甚麼。
重視自己是否在做真正重要的事。
財務自由並不是說我們有能力買任何想要的東西，而是能夠確認我們已經有了所需要的東西。
成功理財第一原則：儲蓄
會讓你感覺幸福的不是更大的房子、新買的家具或是整修過的廚房，而是那些跟你一起生活的人。
感覺上，金錢好像是我們最缺乏的資源，但實際上時間才是。
經驗比所擁有的東西更能帶來幸福感。
為退休做儲蓄及投資的最好時機已經過去了，次好的時機就是今天。
如果我們現在不教導孩子有關金錢的事，將來那些經紀人就會給他們難忘的教訓。
重點不再於我們如何精細配置股票、債券、現金以及另類投資，重點在於配置之後的堅持執行。
別對自己如何用錢太有自信:
首先，我們並不見得真正知道自己想要什麼。
其次，我們不知道未來會帶來甚麼。
第三，我們對金錢的期待過高。
第四，我們缺乏自我約束的紀律。
最後，我們經常會高估了自己的投資技術。
我們的財務生活就是一連串不斷的妥協：每當我們為了某一個目的花錢，我們就得放棄一些其他的東西。
擁有更多的錢未必能減輕我們在財務上的憂慮。想要減輕這憂慮，在於進一步清楚了解自己所擁有的、簡化自己的財務安排、密切注意自己的花費，多想想自己需要甚麼而不是想要甚麼。
重視自己是否在做真正重要的事。
財務自由並不是說我們有能力買任何想要的東西，而是能夠確認我們已經有了所需要的東西。
成功理財第一原則：儲蓄
會讓你感覺幸福的不是更大的房子、新買的家具或是整修過的廚房，而是那些跟你一起生活的人。
感覺上，金錢好像是我們最缺乏的資源，但實際上時間才是。
經驗比所擁有的東西更能帶來幸福感。
為退休做儲蓄及投資的最好時機已經過去了，次好的時機就是今天。
如果我們現在不教導孩子有關金錢的事，將來那些經紀人就會給他們難忘的教訓。
重點不再於我們如何精細配置股票、債券、現金以及另類投資，重點在於配置之後的堅持執行。
This entire review has been hidden because of spoilers.
August 5, 2019
Helpful tips, easier said than done, about the importance of putting aside enough money to lead a comfortable life. Basically if we save money, by reducing expenses, fixed costs like insurance, and investing in stock, or putting a certain amount into a high-yield account on a monthly basis, we can have financial happiness.
December 3, 2023
Most of this book consists of anodyne personal finance advice. But it also includes some downright bad advice, such as taking out a home equity loan to pay off credit card debt. The author seems skeptical of Wall Street (and fair enough), but his skepticism doesn’t extend to the debt/credit industry. I’d give this a pass and go with Dave Ramsey instead.
March 14, 2026
What should be a digestible book ended up falling short, as it doesn't know who its audience truly is. It swings wildly between beginner advice into complex advice. It also assumes that you have money and/or will have money - which is not a reality for most people to the degree that Jonathan Clements imagines.
February 27, 2020
Clements is on my short list of best personal finance writers.
This book is practical and easy to understand.
As a financial advisor, there are times my advice to clients would go further than his, but you can trust what he writes.
This book is practical and easy to understand.
As a financial advisor, there are times my advice to clients would go further than his, but you can trust what he writes.
November 11, 2021
This book has really good advice on how to approach and think about savings and preparing for retirement. It also gives advice on how to find a financial advisor for your specific situation. I learned a lot.
October 4, 2019
Aside from the extraordinary page padding, this very brief work provides some good general guidelines for novice and/or uninformed savers.
January 15, 2020
Good place to start if you are new to managing your personal finances.
April 9, 2024
The book was just repetitive for 77 chapters. I reach chapter just said save money. Don’t buy stuff.
August 19, 2025
實用的財務書籍，77篇容易消化的小章節，從人生的各個階段會面臨到的財務問題都有討論到，也有提出檢視方式，讓讀者的財務狀況可以更健康。書中有很多值得參考的check list可以跟著做。
喜歡書中開頭的一句話:「我們的目標是要有足夠的能力來過我們想要過的生活。」
提醒讀者，重點從來都不是要賺到多少錢，而是好好的思考我們理想中的生活是什麼，並藉由手邊可以利用的工具、資訊，來達到我們的理想生活。
喜歡書中開頭的一句話:「我們的目標是要有足夠的能力來過我們想要過的生活。」
提醒讀者，重點從來都不是要賺到多少錢，而是好好的思考我們理想中的生活是什麼，並藉由手邊可以利用的工具、資訊，來達到我們的理想生活。
July 25, 2023
金錢的意義是什麼呢？我們為什麼有金錢焦慮？研究指出，享樂適應（hedonic treadmill）促使我們的幸福感在短暫享樂後回歸正常值。有趣的是，當你詢問人們想要多少錢才是有錢，通常是他們目前身價的數倍—不管他們目前賺的是兩萬美金還是兩百萬美金。
這本書我看了超級久才看完（可能有2-3年），主要是因為近期的讀書會主題是財務相關，於是慢慢把最後的章節完成。
本書重點，更接近於書的副標：用11個七天的週期，處理金錢焦慮。
我對錢有極大的焦慮，留學的時候更是焦慮爆棚。荷蘭的物價就是台灣的倍數起跳，當時來唸書時，第二年的還有一半的生活費仍然沒有著落。當時也許是太焦慮了，就找到這本書，心裡想能不能解決一點金錢焦慮問題。
我當時對理財的知識算是相當的淺薄，沒有投資任何產品股票，最會做的大概就是省錢與記帳。因為沒什麼財經基礎，所以有很多單字名詞基本不懂。但這本書的編排方式真非常新手友好。一整本書，每天只需要讀一兩頁，也會搭配一個小小的作業，讓讀者反思。
整書著重的並不是要讀者成為操盤高手，而是帶領讀者一起拆解「金錢焦慮的源頭」。即使每天只讀一頁，加上小作業，真的可以思考研究一個小時。
回到引文所述，擁有更多錢未必能解決我們的焦慮，反倒是透過進一步清楚瞭解自己所擁有的、簡化自己的財務安排、密切注意自己的花費、付清債務、改變投資方式，多想想自己需要什麼而不是想要什麼。
這些能讓我們有更多的人生控制權，而這才是通往幸福的要素之一。
這本書真的有幫助到我，讓我面對金錢的短缺不會過分焦慮，推薦給大家！
這本書我看了超級久才看完（可能有2-3年），主要是因為近期的讀書會主題是財務相關，於是慢慢把最後的章節完成。
本書重點，更接近於書的副標：用11個七天的週期，處理金錢焦慮。
我對錢有極大的焦慮，留學的時候更是焦慮爆棚。荷蘭的物價就是台灣的倍數起跳，當時來唸書時，第二年的還有一半的生活費仍然沒有著落。當時也許是太焦慮了，就找到這本書，心裡想能不能解決一點金錢焦慮問題。
我當時對理財的知識算是相當的淺薄，沒有投資任何產品股票，最會做的大概就是省錢與記帳。因為沒什麼財經基礎，所以有很多單字名詞基本不懂。但這本書的編排方式真非常新手友好。一整本書，每天只需要讀一兩頁，也會搭配一個小小的作業，讓讀者反思。
整書著重的並不是要讀者成為操盤高手，而是帶領讀者一起拆解「金錢焦慮的源頭」。即使每天只讀一頁，加上小作業，真的可以思考研究一個小時。
回到引文所述，擁有更多錢未必能解決我們的焦慮，反倒是透過進一步清楚瞭解自己所擁有的、簡化自己的財務安排、密切注意自己的花費、付清債務、改變投資方式，多想想自己需要什麼而不是想要什麼。
這些能讓我們有更多的人生控制權，而這才是通往幸福的要素之一。
這本書真的有幫助到我，讓我面對金錢的短缺不會過分焦慮，推薦給大家！
August 9, 2020
I’ve been a long-time reader of the author’s work back in the day in the WSJ and now on his blog Humble Dollar and monthly podcast Down the Middle. So why only 3 stars for this book? For me, the book was just at too basic a level based on my level of investing knowledge and experience. I think it’s a good book for 20- and 30-somethings getting started with personal finance, or perhaps even someone a little older who has lacked the educational opportunity or good role models to learn how to achieve financial independence.
Displaying 1 - 21 of 21 reviews