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How to Think About Money

Make smarter financial choices and squeeze more happiness out of your cash

By Jonathan Clements

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eBook £7.99 / $10.00
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How to Think About Money

Make smarter financial choices and squeeze more happiness out of your cash

By Jonathan Clements

Jacket text


*** A cult smash in the US, How to Think About Money is the ultimate smart thinking book for those who want a more prosperous and less stressful financial life. ***

There are those who think the goal of investing is to beat the market and amass as much wealth as possible, that street smarts and hard work ensure investment success, and that the road to happiness is paved with more of everything. And then there are those who get it.

Want a richer, calmer financial life? Jonathan Clements, longtime personal finance columnist for the Wall Street Journal, is here to help. His goal: to provide readers with a coherent way to think about their finances, so they worry less about money, make smarter financial choices and squeeze more happiness out of the cash they have.

How to Think About Money is built around five key ideas:

– Money can buy happiness, but we need to spend with great care.
– Most of us will enjoy an extraordinarily long life – and that has profound financial implications.
– We are hardwired for financial failure, so sensible money management takes great mental strength.
– We need to bring order to our financial life – by focusing on our paycheque, or lack thereof.
– If we want to add to our wealth, we should strive to minimise the subtractions.

With rave reviews from readers (including over 75 five-star ratings), praise from some of the greatest investors of all time (“Easy to understand, essential to follow.” – Jack Bogle), this is the ultimate smart thinking book for everyone interested in making their money work for them rather than the other way around.

About the author

Jonathan Clements is the founder and editor of personal finance website 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 now lives in Philadelphia.


“Now why didn’t I think of that? That’s what you’ll ask yourself after you read Jonathan Clements’s fine new book. Its beauty lies in the commonsense and wisdom that is summed up in just five simple steps that will help you to earn your financial independence. Easy to understand, essential to follow.”

John C. Bogle, founder, The Vanguard Group

“My favorite personal finance book of 2016.”

Ben Carlson,

“Jonathan Clements brings his intelligence, insight and commonsense to ‘How to Think About Money,’ which is packed with wisdom and great guidance. Read it and reap the rewards in the years and decades ahead.”

Eric Tyson, author of ‘Personal Finance for Dummies’

“‘How to Think About Money’ is financial feng shui – a blueprint for harmonizing all the aspects of personal finance into a balanced way of approaching and managing money. Anyone who feels overwhelmed by the challenges of today’s world can benefit from Clements’s advice on how to make smart financial choices, as well as how to develop, in his words, a ‘coherent way to think about their financial life.’ “

Janet Bodnar, editor, Kiplinger’s Personal Finance magazine

“Concise, important and true. Jonathan Clements provides you a path not just to better finances, but to a better life.”

Terry Burnham, author of ‘Mean Markets and Lizard Brains’

“Jonathan Clements writes so well and thinks so clearly that even financial planning, saving, and wise decisions are almost fun to think through with him as our guide.”

Charles Ellis, author of ‘Winning the Loser’s Game’

“In ‘How to Think About Money,’ Jonathan Clements, one of the premier financial writers of our times, provides readers with a roadmap for a successful financial life. It’s an easy read that can result in changing the way readers look at investing and life. Read it and reap.”

Mel Lindauer, co-author of ‘The Bogleheads’ Guide to Investing’ and ‘The Bogleheads’ Guide to Retirement Planning’

“Jonathan Clements is one of the greatest financial consumer advocates of our time, not only because of his emphasis on a practical and commonsense approach to personal finance, but because his message is delivered in a welcoming, easy-to-understand manner. That approach moves his readers to take the most important step toward winning in the personal-finance world – taking ownership of one’s financial life and following that with action.”

Peter Mallouk, president of Creative Planning and author of ‘The 5 Mistakes Every Investor Makes and How to Avoid Them’

“How to Think About Money might be the best financial book I’ve read in the last five years. If I had written a book as good as this one, I would consider my life’s work complete.”

James Dahle, founder,

“Clements spent 20 years at the Wall Street Journal, where he was the newspaper’s personal finance columnist. Those bona fides and his long history of giving smart advice make this a must read.”

Barry Ritholtz, columnist, BloombergView

Media coverage

From Master Investor:

Richard Gill, CFA, reviews How to Think About Money, the ultimate smart thinking book for those who want a more prosperous and less stressful financial life.

Read More…

From CBS 8:

“We should worry less about dying early in retirement and more about living longer than we ever imagined,” wrote Jonathan Clements, a financial journalist and author of the book How to Think about Money. “Faced with that risk, most of us should delay Social Security to get a larger monthly check” and consider purchasing annuities… Read more »

Read More…

From ThinkAdvisor:

The longtime columnist tells ThinkAdvisor how advisors can maintain their value and why he likes immediate fixed annuities.

Read More…



Step No. 1: Buy More Happiness
Step No. 2: Bet on a Long Life
Step No. 3: Rewire Your Brain
Step No. 4: Think (Really, Really) Big
Step No. 5: To Win, Don't Lose

Final Thoughts
About the Author

Published: 08/10/2018
Edition: 1st
Pages: 200
Formats: paperback - ISBN 9780857196965
ebook - ISBN 9780857196972
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