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cover of episode Ep 476: The Simple Path to Wealth: JL Collins on Investing, Index Funds, and Financial Freedom

Ep 476: The Simple Path to Wealth: JL Collins on Investing, Index Funds, and Financial Freedom

2025/5/21
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HerMoney with Jean Chatzky
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JL Collins: 我不认为追求财务独立是一种牺牲，而是一种选择。我一直以来都将很大一部分收入储蓄起来并进行投资，因为我想要获得财务自由。这对我来说不是一种牺牲，而是选择将我的钱花在对我来说最重要的事情上。购买自由对我来说是一种绝对的快乐，就像有些人喜欢购买法拉利一样。我希望人们能够重新定义它，如果你遵循这条道路，你应该只在你认为购买自由是一种极具吸引力的消费方式时才这样做。通过购买资产来实现财务自由，我推荐的是广泛的、低成本的指数基金，这是获得财富最安全、最可靠的长期方式。自由意味着你可以选择如何度过你的时间，即使实现了财务独立，也不意味着你必须辞职。如果你享受你所做的事情，那就继续做下去；如果你不喜欢你为了达到这个目标所做的事情，那么你可以去做其他的事情。那些能够实现财务独立的人，不会只想坐在沙滩上喝Pina Coladas，他们会想要去做有趣的、积极的事情。自由意味着你可以选择用你的时间和生活去做你喜欢的事情，而不是仅仅为了糊口而被迫做某事。

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JL Collins, known as the "Godfather of Financial Independence," discusses the FIRE movement's continued relevance despite economic challenges. He emphasizes that financial independence doesn't necessitate sacrifice but rather prioritizing freedom, achieved by investing in assets like index funds. The concept of "FU money" is introduced, representing the joy of financial freedom.
  • Financial independence is achievable even with rising prices and market volatility.
  • Prioritizing financial freedom over perceived sacrifices is key.
  • Index funds are a safe, secure, and long-term approach to building wealth.

Shownotes Transcript

This week, we're getting real about financial independence and why it doesn’t have to mean deprivation. Jean sits down with JL Collins, the “Godfather of Financial Independence,” to talk about the relaunch of his bestselling book The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life). In a world of rising prices, economic anxiety, and market volatility, does the FIRE (Financial Independence, Retire Early) movement still work? JL says yes.

If you've ever wondered whether financial independence is realistic for you or how to start moving toward it (even slowly), this episode is for you. We’re talking index funds, cash cushions, mindset shifts, and how to build resilience when you’re inundated with questionable financial advice.

Resources and Links:

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JL Collins' Blog)

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The Simple Path to Wealth (2025 Edition))

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🚀 ⁠FinanceFixx⁠) – Our 4 or 8-week coaching program to get your finances on track! 

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📈 ⁠InvestingFixx⁠) – A club for women ready to grow their wealth. Your first month is completely free.

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