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J.D. Roth
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Founder of GetRichSlowly.org, 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 TIME.com named a Best Blog of 2011. Money Magazine has also called Get Rich Slowly the Web's most inspiring personal-finance blog. J.D. Roth leads the discussion at Get Rich Slowly, which has grown into an active community with over 600,000 monthly readers who 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. He’s the author of Your Money: The Missing Manual.

Blog Entries by J.D. Roth

Every Purchase Is a Trade-Off

(2) Comments | Posted September 7, 2012 | 12:33 PM

While I was digging out of debt, I cut back on my comic book habit. I'd been spending a mind-boggling $250 every month on comics -- most of which I bought in the form of hard-bound compilations -- but for a few of years, I slashed that to...

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Earning, Spending, and Saving: The Building Blocks of Personal Finance

(3) Comments | Posted August 29, 2012 | 11:45 AM

A couple of weeks ago, Robert Brokamp explained how living below your means is like saving for retirement twice. On the surface, his advice was pretty conventional: The more you save today, the more you'll have tomorrow. This is similar to a point I've been repeating for the...

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The Biking vs. Driving Calculator

(4) Comments | Posted August 22, 2012 | 12:26 PM

For the past two months, I've been conducting an informal experiment. Spurred by the high cost of gas -- $4 per gallon to fill my Mini!?! -- I decided to use alternate transportation: my feet. In May, I walked over 200 miles. In June, I've walked less but biked more.

...
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The Calculus of Cats and Dogs

(13) Comments | Posted August 16, 2012 | 12:45 PM

The other day, I made a passing comment in my article about judging (or not judging) others. I mentioned that although my friend Michael is in dire financial straits, he's still making life decisions based around the fact that his family has two dogs. (They're renting a larger,...

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Ask the Readers: How Do You Handle Money Mistakes?

(1) Comments | Posted August 7, 2012 | 5:23 PM

Getting started with smart money management can be tough. It can be frustrating. For one, you have to discard so many old habits. Plus you have to develop new habits. And, toughest of all, you have to deal with the constant small (and large) mistakes you make as you're getting...

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Ask the Readers: Should I Buy a New House?

(0) Comments | Posted August 1, 2012 | 3:16 PM

Sometimes personal finance problems have clear solutions: There's a right answer and there's a wrong answer. When you're new to money management, these answers might not seem clear, but they become clear with time. But my favorite personal finance dilemmas are those to which there are no wrong answers, only...

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Ask the Readers: Best Alternatives to Cable Television?

(0) Comments | Posted July 27, 2012 | 7:05 PM

I've written two major articles here at Get Rich Slowly about how to cut costs on cable television. In March 2007, I wrote about cheap alternatives to cable television, and in February 2009, I followed that up by describing how I cut my television bill in...

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Ask the Readers: How Much Do You Spend on Self Improvement?

(0) Comments | Posted July 18, 2012 | 3:04 PM

I'm a firm believer in personal development. Self-improvement is part of living a rich life. In fact, when I started this blog six years ago, the self-improvement category was one of the first I implemented. Over the years, I've published dozens of articles on the subject, including:

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The Benihana Effect: Lifestyle Inflation in Action

(3) Comments | Posted July 3, 2012 | 1:10 PM



Kris turned 42 yesterday. And as we've done for 24 consecutive years now, we celebrated her birthday at the Japanese restaurant Benihana.


This year was different for a few reasons. Most obviously, we're no longer in a relationship....

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Ask the Readers: Why Don't People Talk About Money?

(8) Comments | Posted June 6, 2012 | 11:20 AM

On Wednesday, I visited a fifth-grade class in McMinnville, Oregon to talk with the kids about money. I had a great time, and I'll share more about the experience on Monday. Today, though, I want to start by sharing a question I received from one of the students.

"How much money...

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Ask the Readers: Items Worth the Extra Money?

(0) Comments | Posted May 30, 2012 | 6:17 PM

From time to time, I get queries from reporters asking me to comment on particular personal finance topics. I do my best to help these folks, especially when they ask something interesting.

Recently, Katie from CNBC dropped me a line with a question that actually stumped me: For which...

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Ask the Readers: What Do You Wish You'd Learned About Money?

(2) Comments | Posted May 16, 2012 | 12:49 PM

When we're young, we think we know it all. We make decisions -- financial and otherwise -- based on what little we know of the world, and these decisions are colored by a relentless optimism that comes from not having to deal with the harsh realities of the world. Realities...

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One Expense Leads to Another?

(0) Comments | Posted May 11, 2012 | 1:29 PM

Have you ever bought something only to discover that this one purchase led to another? And another? And another? I have, and it's frustrating.

Andrew thinks this sort of problem is frustrating, too, and he recently wrote to ask for advice on handling situations like this. What do you do...

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Is Your Spending Normal?

(5) Comments | Posted May 1, 2012 | 5:29 PM

Over the past year, one of the most popular features here at Get Rich Slowly has been the monthly "how much do you spend on X?" question. I started these informal and unscientific surveys on a whim. I wanted to see what sort of spending ranges we held as a...

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Ask the Readers: How Do You Merge Finances and Philosophies?

(2) Comments | Posted April 25, 2012 | 2:30 PM

Everyone is different. That's the beauty of life -- but also one of its greatest complications. When two people fall in love, the meshing of these differences can be both fun and frustrating, especially when it comes to personal finance. That's what Elaine has discovered. She'd like some advice on...

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Ask the Readers: Which Credit Cards Do You Use?

(1) Comments | Posted April 18, 2012 | 10:26 AM

Though I steer clear of writing about credit cards at Get Rich Slowly, I use them all the time. I used to be an anti-credit card zealot. Because irresponsible use of credit cards had led me to tens of thousands of dollars in consumer debt, I thought they...

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A Philosophy of Failure

(2) Comments | Posted April 11, 2012 | 2:27 PM

Though I've been reading and writing about money for six years now, I still do stupid things sometimes. Most of these errors are un-interesting -- it's the compulsive spending that's interesting, and I seem to have that under control -- but sometimes it's instructive to look at the mundane...

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Shopping for the Sake of Shopping

(1) Comments | Posted April 9, 2012 | 12:29 PM

When I was a boy, my family had a series of dogs: a St. Bernard, a shih tzu, a golden retriever and a whole host of mutts. Because dogs will be dogs, and because we lived in the country far from anything, our dogs would sometimes begin barking... and continue...

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What Is a Roth IRA? A Short and Simple Guide

(0) Comments | Posted March 28, 2012 | 4:39 PM

Note: This post is part of the Roth IRA Movement event organized by Jeff Rose at Good Financial Cents. Today, dozens of financial bloggers are posting articles about Roth IRAs. This is mine.

Most of us know we should save for retirement, but sometimes...

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Burgers or Blogging? Further Thoughts on Pursuing Your Passion

(0) Comments | Posted March 20, 2012 | 3:10 PM



Over the past couple of weeks, we've been exploring the nature of work at Get Rich Slowly. What does it mean to pursue your passion? Is passion what work should be about? Or is a job just a source of income?


...

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