Accidental personal-finance expert.
Areas of Expertise:
J.D. Roth is an accidental personal-finance expert--a regular guy who found himself deep in debt. After deciding to turn his life around, he read everything he could about money and finance. In 2006, he started the award-winning website Get Rich Slowly, which Money Magazine named the Web's most inspiring personal-finance blog. Over the past four years, Get Rich Slowly has grown into an active community where thousands of readers a month share ideas on how to improve their financial lives. J.D. lives with his wife and four cats in a hundred-year-old house in Portland, Oregon.
J.D. blogs at:
December 10 2013This is a guest post by Sam, author of Financial Samurai, “How to Engineer Your Layoff,” and founder of the Yakezie Network. TREASURY YIELDS AND YOUR NET WORTH Feeling financially emboldened yet? The easiest way to track the 10-year Treasury yield is on Yahoo Finance. Now that you can speak more eloquently about… read more
December 09 2013This post is by staff writer Honey Smith. What do you do when the right choice isn’t obvious? Earlier this month, I said that my husband Jake and I had reached the last straw with regard to our current place. Accordingly, we looked at a bunch of rentals. We anticipated that… read more
December 08 2013This Reader Story is from GRS reader Mel from brokeGIRLrich.com. Mel recently paid off her student loans and is focusing on a frugal lifestyle to help her navigate the uncertain world of entertainment employment. Some reader stories contain general advice; others are examples of how a GRS reader achieved financial… read more
December 06 2013This article is by staff writer April Dykman. Those of you who have read GRS for a while know that when I started writing here more than four years ago, I was gainfully employed as a writer-editor-project-manager type. I had a steady paycheck, and every two weeks, I knew exactly how… read more
December 05 2013Note: This article is from J.D. Roth, who founded Get Rich Slowly in 2006. J.D.’s non-financial writing can be found at More Than Money. I had lunch with my friend Craig a few months ago. Craig is an architect, and he took me on a tour of his company’s offices.… read more
December 04 2013This article is by staff writer Kristin Wong. Last month, my boyfriend and I took a weekend trip to Seattle to celebrate our anniversary. We got a great deal on a hotel using a discount app. We’d stayed at this hotel before, and the view was gorgeous. The price was also… read more
December 03 2013This article is by contributor Jeff Rose, CFP. He blogs at Good Financial Cents. My role as a financial adviser sometimes feels like a fortune teller. (Get it?) I’m peering into the crystal ball of your finances while trying to take everything into consideration: how much you’ve saved for retirement, how long… read more
December 02 2013Few questions are as unwelcome or unanswerable (at least in my house) as “What’s for dinner?” Every few months, I make futile attempts to meal plan or grocery shop smarter. I spread out cookbooks, I write down recipes, I make shopping lists, and then everything disappears (it seems) and I… read more
November 29 2013This article is by staff writer April Dykman. First things first: I hope everyone read the title of this post and immediately heard Cher’s voice singing it. If you don’t know what I’m talking about, here you go. Enjoy having that stuck in your head all day. Okay, now that we… read more
November 28 2013This is a guest post by Sam, author of Financial Samurai, “How to Engineer Your Layoff,” and founder of the Yakezie Network. We started to explore the 10-year Treasury yield in my first post earlier this month and looked at why it is such an important economic metric. In this part of the… read more
November 27 2013This article is by staff writer Holly Johnson. A few months ago, my husband mustered the courage to try a new career only to discover that the grass isn’t always greener. In other words, he hated it. And, after some initial disappointment, I was okay with him leaving that job and going… read more
November 26 2013This article is by staff writer April Dykman. I love Thanksgiving. It’s my favorite holiday of the year. So when I venture out during the month of November, I’m slightly annoyed to hear Christmas music piped into retail stores or to see giant, inflatable snowmen at The Home Depot. (Yes,… read more
November 25 2013By Maryalene LaPonsie For many people, the term “online bank” is synonymous with ING Direct. However, those looking for the company and its distinctive orange logo won’t find it anywhere online today. After being acquired by Capital One, the pioneering online bank is now known as Capital One 360. Debuting… read more
November 25 2013By Maryalene LaPonsie Consumers not familiar with the name Ally may recognize the company’s former name, GMAC. In 2009, GMAC Bank was rebranded as Ally Bank. The entire corporation followed suit in 2010 and is now known as Ally Financial. Since its introduction, Ally Bank has emerged as a leader… read more
November 25 2013This guest article was written by Beverly Harzog. Beverly is a nationally recognized credit card expert, consumer advocate, and author of Confessions of a Credit Junkie: Everything You Need to Know to Avoid the Mistakes I Made (Career Press, November 2013). She runs a popular credit card blog on her website,… read more
November 24 2013This Reader Story is from GRS reader Charu. He loves staying physically active and has recently gotten addicted to yoga. You can check out his free e-book on yoga for beginners at his blog, strongyogi.com. Some reader stories contain general advice; others are examples of how a GRS reader achieved… read more
November 22 2013Banking is something the Get Rich Slowly audience takes very seriously. And we also know that you’re a proactive bunch and will vote with your feet. So how do you judge your bank? Earlier this month Money magazine published their annual survey of “The Best Banks in America.” Of note,… read more
November 22 2013This article is by staff writer April Dykman. Readers, you’re about to witness me use dated vocabulary, talk about gas prices, and reveal my love of the elbow patch. You might wonder if it’s actually me, a gal who wasn’t alive for the Carter administration, and not a curmudgeonly old… read more
November 21 2013Note: This article is from J.D. Roth, who founded Get Rich Slowly in 2006. J.D.’s non-financial writing can be found at More Than Money. Last week, I wrote about a conversation with my investment adviser. In the article, I mentioned that my current income roughly covers my current spending except… read more
November 20 2013This article is by staff writer Kristin Wong. It seems contradictory, but I love being frugal and I also love spending money. Over the last few years, however, my love of frugality has outweighed my love of spending — and it’s been good for my savings. Yes, it’s OK to… read more
November 19 2013This is a guest post from John Corcoran. John is an attorney and former Clinton White House writer, and he advises entrepreneurs and small-business owners on how to use networking to grow their businesses. In addition to the tips in this article, you can download his free report for an additional 10+… read more
November 18 2013This article is by staff writer Honey Smith. There are many personal finance books and tools out there, useful to people in all stages of personal finance. I have a lot to learn before reaching financial independence, and the editorial elves thought it would be useful if I shared some… read more
November 17 2013This Reader Story comes from Brie Horigan. Some reader stories contain general advice; others are examples of how a GRS reader achieved financial success or failure. These stories feature folks with all levels of financial maturity and income. Want to submit your own reader story? Here’s how. I am a… read more
November 15 2013One of my colleagues just got engaged to his longtime girlfriend, and they’ve planned their wedding in record time, in my mind: a November 2014 date. They’re trying to pay for as much of the wedding themselves, instead of asking parents to pay for it, without going into any debt.… read more
November 14 2013Note: This article is from J.D. Roth, who founded Get Rich Slowly in 2006. J.D.’s non-financial writing can be found at More Than Money. Once every six months, whether I need to or not, I meet with my investment adviser from Fidelity. I’ve been doing this for five years, and… read more
November 13 2013This article is by staff writer Holly Johnson. In 2009, Kasey O. graduated college with a Bachelor’s of Fine Arts in Media Arts & Animation. With the support of her family, friends, school guidance counselors, and high school teachers, she had finally earned a college degree in a field that fulfilled… read more
November 12 2013I’m in the middle of renovating a house, a project that started in January and will end — Well, who knows when it will end? We have a lot of plans for this house. Truly, the only reason we’re able to afford this project is because we’re doing the work… read more
November 11 2013This article is by staff writer Lisa Aberle. The moral of this story is obvious: It’s a lot easier to get ahead financially before children enter the picture. Now that I have that brilliant thought out of the way, let’s get into a keepin’ it real kind of post by… read more
November 10 2013This Reader Story comes from Stevie Lutgen, a mortgage content editor for Lender411.com. She has a job now, but still writes for free, just for fun. Some reader stories contain general advice; others are examples of how a GRS reader achieved financial success or failure. These stories feature folks with… read more
November 08 2013Last week reader David posted a question on Get Rich Slowly’s Facebook page, asking what our thoughts are on high-deductible health insurance plans. We turned to Barbara Marquand, staff writer at Insure.com, to answer his question. Here’s her answer: High-deductible health plans (HDHPs) have become more prevalent in the last… read more
Take the Pain Out of Saving Money
"A book that everyone should have on hand."
"This really is the book I wish Id read, (and kept to refer to) when I was twenty years old and in my first adult job. (Administrative Assistant at a marketing firm in New York City.) Luckily, its still a valuable resource when a gal is working her way through her early forties."
"...a top all-around financial guide any consumer or student will relish."
"...The author doesn't claim to have all the answers: throughout the easy-to-read book there are notes about websites and other books for further reading."
"...a comprehensive book filled with practical advice.
"Your Money: The Missing Manual offers sensible advice for getting the most from your money. "
"Your Money: The Missing Manual is a must read. Everyone will walk away with a few tips that they can apply to your life and save some money in the process."
"...if you are just starting your business, you absolutely must read this book. It will anchor you on some sound principals that will help you be a long term success."
"Had I read Roth's book and followed even a small bit of his advice we would have been so much better off."
"If you need a book on personal finance, Your Money: The Missing Manual is a solid choice. It gets all the important stuff right, and does a great job of distinguishing between that stuff (that you have to get right) and the peripheral stuff (that you can do any of several different ways, as long as you do it)."
"If youve read personal finance advice and never found it very approachable or relatable, Your Money: The Missing Manual is a great solution to that problem."
"...this is a solid 9/10 and recommended."
"...this book is a great consolidation of financial common sense wisdom that will benefit even the most accomplished financial novice."
"All I can say is, where has this book been all my life!...I receive many books that after I read, I give away, I can honestly say that this is one book that I will be keeping for myself. Also, I know this is a book that if one in which I will read over and over and use as a reference guide as I get older."
"Your Money: The Missing Manual is not a cutesy quick-fix for those of you with the 'McDonalds Mentality.'
If you're looking for something like that, keep looking. But if you're looking for a real manual, a text book if you will, on money management, spending habits, and the psychological insight needed to understand why we do some of the dunderheaded things we do, this could be your ticket. Your Money The Missing Manual can show you how to get out of debt and to truly understand what makes you, personally, tick. You will learn how to manage your resources so that you can pursue the things/activities that make you truly happy."
"J. D. Roth's book is a much-needed dose of reality in the world of personal finance, and I would strongly recommend it to anyone looking to "clean house" when it comes to their financial affairs."
"It's a good book to have around, and to get in the habit of reading frequently."
"Your Money: The Missing Manual a good, basic manual on learning how to manage your money in such a way that it doesn't consume you. "
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