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.

Here it is, 2:22 on a Tuesday afternoon. I’ve been up for more than 48 hours straight with only brief naps snatched here and there. I’m exhausted — but I’m happy. What’s the deal? Am I a proud new papa?

Well, as most of you are aware by now, I am a father of sorts. This morning at 9 a.m., after nearly a year of effort, I launched my latest project, a 52-week guide to building wealth. Like this site, the course is called Get Rich Slowly, and I think it’s the best work I’ve ever done.

Get Rich Slowly: The Course

What’s so good about Get Rich Slowly: The Course? Let me tell you!

My premise is that if people managed their personal finances as if they were running a business, they’d be more successful. I mean, we all get that a business is supposed to make a profit, but what most people fail to realize is that the same idea holds true for individuals. In fact, the more profit we make, the more likely we are to realize our dreams. (I actually shared some of this material here at the blog as I was refining it: opportunity funds, big wins, the power of profit, and so on.)

This course includes:

  • My 120-page Be Your Own CFO guide. It’s packed with practical information, all presented in a way I’ve never seen done before. I have high hopes that it will help a lot of people.
  • A weekly email series. Once a week for an entire year, I’ll send out short, powerful messages meant to motivate readers to action.
  • There’s also the collection of 18 interviews I conducted with some of my favorite financial experts. I spoke with Gretchen Rubin about money and happiness, Jean Chatzky about how to get better at spending and saving, Mr. Money Mustache on the simple math of early retirement, Tess Vigeland about the psychology of money, and many more.

There’s lots more, of course. Over the past few weeks I’ve been working non-stop on the website, on spreadsheets, and on a variety of downloadable material. I’ve done my best to create something that people will find useful at all stages of financial development. I think I’ve succeeded.

For those of you who are curious, here’s a sneak peek inside the Be Your Own CFO guide, including the introduction and table of contents:

Be Your Own CFO
You can read more about the GRS course here.

Whenever I work long and hard on a project, whether it’s a speech or a big blog post or a book, I get nervous. What if nobody comes? What if nobody likes it? What if they don’t think it’s as good as I do? Fortunately, the early response has been favorable. That’s a relief. It means I can sleep easy now. Good night!

P.S. I forgot to mention: This course is backed by a 100 percent money-back guarantee. If it doesn’t help you, you don’t pay for it. Check out the course over here.

This article is about Books, Education

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This article is by staff writer April Dykman.

More than four years ago, I wrote a post for Get Rich Slowly about how to stop buying clothes you never wear. I wasn’t sure how it would go over, to be honest. We don’t discuss fashion much in our little corner of the Internet, and I also worried about being judged for my sordid, non-frugal past.

But it was a problem I’d had struggled with, and it was a problem that cost me a lot of money over the years. And in the 100+ comments on the original post, many of you said that you’ve struggled with the same problem.

So here we are four years later, and I’m happy to report that my wardrobe is even smaller and more functional today. And since I’ve picked up new tips these last few years, I thought it’d be helpful to update my original post.

But before we talk about the state of my closet today, here’s an idea of where I started…

Three closets, no space

When I graduated from college, my first apartment came with three closets — two in the master bath, and one in the hallway. I easily filled them all.

Part the problem was that I held onto things I didn’t wear or like all that much — you know, just in case. Another part of the problem was that I would buy new clothes without much consideration. For instance, I owned five winter coats, and I live in Texas.

So, far too often, things were worn once, then eventually made their way to the no man’s land that was the back of my closet. Or worse, I never wore them at all. The price tags were still attached, making it even harder for me to part with them because there was a reminder of how much money I wasted hanging from the label.

The crazy thing is that, even though I owned plenty of clothes, I somehow lacked the basic foundation for a work wardrobe.

The closet clean-out

The wasted money and the jammed closets finally got to be too much. Maybe it was the fact that I was learning about personal finance or the fact that I was reading about minimalism and the ease of a small wardrobe, but I’d had enough.

I decided to do a total closet cleanout. I donated, consigned, and gave away about 75 percent of my wardrobe.

It wasn’t easy. I felt a lot of guilt for wasting that money in the first place. But by the time I was done, it was like a weight had been lifted. There was space in my closet, room to breathe. I also could see what I really needed in my wardrobe, and as I started to fill those holes, it became easier to get dressed in the morning. And I was able to shop with a list, knowing that what was on that list would get a lot of use.

One small closet, plenty of space

That’s the Cliff’s Notes version of the story, but the change wasn’t as instantaneous as it may seem.

Even after cleaning out my closet, I’d still buy things that weren’t really my style. Or I’d buy things that fit well enough, then never wear them. Sometimes I’d return those purchases, other times I fell into old habits and kept them around. After doing a few more minor closet cleanouts, though, there was less and less waste.

Then my husband and I bought a house. The master bedroom has two small closets — a his and a hers. My brother-in-law jokingly asked if my husband would really get his own closet or if I would claim some of his space, and I just smiled. I was actually excited about the size of my closet — it was the perfect size for my small, well-curated wardrobe.

How to only buy clothes you’ll really wear

In my original post, I talked about how to clean out your closet. So if your closet door is bursting at the hinges or if you just have a lot of stuff you don’t wear, head over there for tips on how to get rid of it.

When you’re done cleaning out your closet, you’re probably going to feel a lot like this guy. But resist the urge to go clothes shopping right away. Here’s what to do instead:

1. Think “meat and potatoes.”

One of my favorite bits of advice came from designer Michael Kors: “70 percent of the clothes you own should be meat and potatoes. 30 percent should be icing and fluff — that’s color, pattern, shine, accessories. Too many women get the proportions the other way round, then can’t figure out why they can’t get dressed.”

Take a look at your closet, and figure out if you have enough meat and potatoes. Do you have enough basic black pants for work? Or a pair of nice dress shoes that will go with virtually everything?

If you don’t know how to identify gaps, look at a list of wardrobe essentials and see what you’re missing. (Some must-have lists aren’t very realistic, but I think Alison Gary at Wardrobe Oxygen has great advice for both women and men.)

2. Dress for the life you live right now

The life you live right now includes factors like lifestyle and even the climate where you live.

For instance, an attorney in her 20s has very different clothing needs than a 35-year-old stay-at-home dad. Also, “it’s important for the largest part of your wardrobe and seasonal fashion budget to reflect the dominant seasons where you live,” writes style consultant Angie Cox of You Look Fab.

If you buy the majority of your clothes for a fantasy version of your life instead of the reality, you’ll end up owning a lot of clothes and having nothing to wear.

3. Figure out your “uniform”

This is a new tip I’ve picked up — the idea of a personal uniform.

“If your wardrobe contains sequins, camouflage canvas, distressed denim, glazed leather, monkey fur, plaid kilts, and gold lamé cocktail dresses it may be fun to look at, but it’s not as fun to dress for the every day,” says Gary. “Having a signature style is easier on the wallet, easier on the soul when getting dressed each day, and better for your personal style.”

That doesn’t mean that you have to wear the same thing every day. It just means figuring out what looks good on you and what you like to wear — the items that are always in the wash or at the dry cleaner’s are a good place to start.

Since I work from home now, my uniform has become straight leg jeans, a nice, drapey tee with a scoop neck, a long necklace, and flats or sandals. When I buy those things, I know they won’t sit in my closet unworn.

4. Consider fit and fabric

I used to own 15 pairs of jeans, but I only wore three pairs. The ones I didn’t wear were made of stiff fabric and looked okay on me but not great. The three I did wear were made from high-quality denim and made me feel like this.

My take on this is still the same. For fit, clothes should never gape, pull, or fit the person you want to be 10 pounds from now. Either don’t buy those things or, if a tailor or seamstress can solve the problem, have them altered.

As for fabric, you really don’t have to be an expert. Does it feel good and drape nicely, or does it feel cheap, like the sort of thing that will fall apart in the washing machine after one wear?

5. Watch out for high prices (and low ones, too!)

Sometimes it makes sense to pay more for quality. However, if you find a great pair of pants for $30, they are a better buy than the designer pants that cost $200 and fit you kinda funny. So as long as something is within your budget, price should be a secondary concern.

Also, beware of the clearance rack. I’ve taken many things home with me because they were a good deal, and then I barely wore them. Today, I ignore the discount and only buy something if I absolutely love it the minute I put it on. It has to feel great and look great and work in my existing wardrobe, or else it doesn’t come home with me.

6. You can always return it

If you get home and decide you don’t like something after all, return it as soon as possible. I like to shop online, so I’ve become very disciplined about returning items I don’t want within a week, long before the return policy expires.

And you have to do what works for you, but I don’t buy anything on final sale anymore. That bit me in the bank account twice, and after that I decided that if there’s not a return policy, I’m not buying it.

7. Be a little ruthless

Another source of extra stuff in my closet used to be gifts, like a sweater given to me by a loved one.

This situation is hard because I feel like a jerk for getting rid of their gift. On the other hand, I don’t want to hang onto something that I know I’ll never wear.

So, I donate it. I still feel a little bit bad about it, and I worry about some scenario where they’ll ask me about it later, like, “Oh, show so-and-so that necklace I bought you last Christmas!”

But, I’ve had to learn to be a little ruthless. And besides, the gift always goes to a good cause, and hopefully to a closet where it’ll actually get worn!

Those are my tips, but I’d love to hear from you! Have you struggled with buying clothes you don’t wear? Do you have any tips for how to only buy stuff you’ll really wear?


This article is by staff writer Lisa Aberle.

No matter what I do, we’re still spending more on food each month than I want to be spending. Two of my weapons in the battle to lower my food bill that I haven’t talked about yet are Aldi and bulk-food stores.

One thing I don’t like to do is stop at several different stores, so I don’t shop at all stores every week, or even every two weeks. Both these stores are small, and I prefer to shop at these stores instead of Walmart or other huge stores. (Does anyone else get exhausted by the sheer number of decisions, people, and products in the huge stores?)

Positives about Aldi

Aldi and I go way back, but it wasn’t a pleasant start. As a college student, I shopped there because it was cheap, but I didn’t always like the food. I think they have really improved their products since then, however, plus I like several things about the store. But first you have to find one. Aldi stores are found in 32 different states in the US. There are two within driving distance from my house.

Once inside, it looks different than your normal grocery store. Everything about the store has a streamlined approach. First, you “rent” a shopping cart. You must put in a quarter in the shopping cart, and you get your deposit back when you return the cart to the corral. No runaway carts to ding your car in the parking lot, and no employees needed to drive the carts back to the store. Second, you’re charged for shopping bags, so most people bring their own. If you forget your own bags and don’t feel like buying theirs, you can grab empty boxes from the shelves.

The stores have a small footprint, which cuts down on their utility and construction costs. The smaller store has another benefit too: It doesn’t overwhelm me. Still, it’s large enough to have a wide variety of products. Most of their items are Aldi-specific brands that may taste different than the brands you’re used to; however, as I mentioned, I think their products have improved. If you don’t like a product, they offer a double guarantee on most items. In other words, they replace the product for you AND they refund your money.

According to their website, they staff each store with three to five people at a time. This means the staff members need to be efficient — and they are. I have never seen faster cashiers. Since you bag (or box) your own groceries, the (seated) cashiers can concentrate on ringing up your items at lightning speed.

Most stores don’t have a phone system, so no one has to answer the phone. They have very few shelves, but instead keep their products in boxes. That speeds up the restocking process, for sure.

This streamlined approach allows the store to operate with a lower overhead. But the customers aren’t the only ones who get to take advantage of all the cost-saving measures. I’ve heard that Aldi employees are paid above the industry average (though I couldn’t confirm this).

Negatives about Aldi

They don’t accept checks, credit cardscoupons, or WIC. In addition, while my Aldi has good produce, I’ve heard stories from other locations that tell of produce that doesn’t last as long or taste as good. But that’s not necessarily true. The last time I bought a fresh pineapple, I paid one dollar for it at Aldi and it was as delicious as any pineapple I’ve had. Complaints extend beyond produce too, if you believe the comments on other Internet Aldi articles.

Also, they don’t have everything. Some stores sell beer and wine; some don’t. Many times, they don’t have trendy foods like coconut milk or greek yogurt. (Wait … are those trendy foods? You know what I mean, right?) They also seem to stock a lot of processed foods.

Shopping at Aldi is like an initiation into a secret club. You’ll know what I mean if another shopper gives you a quarter to take your shopping cart.

Aldi seems to be polarizing: People seem to love it or hate it. Have you shopped there? What do you think?

The bulk-food store

My second weapon is a bulk-food store. I’m not talking about buying in bulk, like getting giant jars of pretzels from Sam’s Club. Instead, these small stores get the food in huge packages and then divide it up for you. While I think these usually small stores may be rare, such stores have been within a couple of hours of all the communities I’ve lived in. Yours may be masquerading as a health-food store.

Not all products are less expensive here; but I have found that spices, oatmeal, and nuts are good buys. Speaking of oatmeal, our family consumes a lot of it, so I buy it often. At 89 cents per pound, this store has been my least expensive source for oatmeal. In addition, they sell specialty items that are difficult to find elsewhere in my rural community — things like different types of gluten-free flours, nutritional yeast, and coconut oil can be found here.

But the “bulk food” concept is found in other places too. I have also seen bulk bins in the standard grocery store. I like these because you can buy as much (or as little) as you need, which cuts down on food waste. And the price is usually the same.

By buying certain products at these two stores, I am spending a little less on my grocery budget. Do you “store hop” to save money? Have you found that some stores have some products that are consistently less expensive?


Note: 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, where he recently wrote about how to be happy.

As part of the Get Rich Slowly course (out this Tuesday!), I interviewed 18 of my favorite financial experts (and non-financial experts). Combined, these interviews comprise over eight hours of audio and more than 200 pages of written transcripts, all of which will be available as part of the package.

For instance, I had a fantastic 40-minute conversation with my friend Gretchen Rubin, author of the best-selling The Happiness Project and its follow-up, Happier at Home. (She also has a great blog where she writes about happiness and personal development.) Here are some excerpts from that conversation. (It was tough to trim this. The entire interview is great!)

J.D. Roth A lot of times people think that pursuing money itself, pursuing wealth, will make them happy. And yet from what I found, that’s not necessarily true. It’s not the money, itself, that makes you happy. It’s the things you can do with the money obviously. And maybe it’s the same kind of thing that you’re arguing with the direct pursuit of happiness and indirect pursuit of happiness.

Gretchen Rubin Well, the thing about money is that money, itself, does not buy happiness. But money buys many, many things that do contribute mightily to happiness if you spend it wisely. So money –  one of the biggest luxuries that money can buy is the freedom not to have to think about money all the time –

J.D. Exactly.

Gretchen – which is a tremendous luxury.

J.D. It’s a safety net, a security point.

Gretchen Yeah. A feeling of security, a feeling of being able to give to others, a feeling of being able to help. If your child needs extra lessons in something, you can pay for that. If you want to have a party, you can have a party. You can buy towels without waiting for them to go on sale. You can take better care of your health. You can join a gym that’s a little bit more expensive and that it’s so much more convenient. But then you’ll go. But I mean if you’re buying your 50th pair of leather boots, that’s not a wise choice.

And I also think — and I bet you’ve seen this — is that money affects happiness much more in the negative. It’s like health in that way. When you don’t have your good health and you don’t have money, you feel very dragged out. Then when you have it, it’s very easy to take it for granted and not think about how much the absence of it would affect you. And so it’s something that is like it weighs down more than it boosts up, I think.

J.D. I think that’s an interesting insight. One of the things that I’ve seen in the research is that money can buy happiness up to a certain point. And then once people have a certain amount of money or a certain amount of material comfort, that additional money only brings on a marginal increase in happiness, so –

Gretchen Yeah, but it’s true that as people get wealthier they do get happier.

J.D. Yeah, absolutely.

Gretchen And one of the things that I really — there’s sort of a figure. I don’t know, I should trace it back. But there’s of a figure like, “After $75,000 there’s no difference in happiness.” And you know this is obviously not true because $75,000 represents such — that’s a meaningless number in a way. Because I live in New York City and $75,000 means one thing. But my grandparents lived in North Butte, Nebraska. $75,000 has been a lot different then. I have two kids; you have 12 kids; you have no kids. I want a horse; you want a turtle. I like to rent movies; you like to collect modern art. I have two elderly parents with a lot of health issues. Your parents are young and strong.

I mean there’s just so many ways in which that money, just it’s like — that’s like saying that the best height to be is five feet, six inches. That’s the happiest place to be. Well, do you play basketball? Are you a jockey? There’s so many factors that go into it for an individual. It might be true on a statistical level. But it doesn’t really help you, as an individual, to know what’s statistically true in that framework.

J.D. Well, I think what’s most important, actually, is relative wealth and –

Gretchen Yes, absolutely. That’s — you put your finger on it.

J.D. Yeah, so how much money do you have compared to your neighbor, compared to your friends, compared to your family? And beyond that, more than just relative wealth. It’s what are your expectations and how does your reality fit those expectations. So if you don’t have a — I know people who don’t have a lot of money. And yet they’re happy as can be, even though their friends are wealthy, because their expectations are lower and they don’t want a lot. They’re happy with what they have, and it’s a choice they make.

Gretchen Yeah. I have a friend — two friends who are married. And they said that they deliberately constructed their life so that at any point if they wanted to work for the government that it wouldn’t affect their lifestyle. They wouldn’t have to move to a different house or go to — have to send their kids to different schools.

They always wanted to feel free, because they’re very dedicated to government services, so they go in and out of government all they time. And they said they didn’t want to — because a lot of times — and this is your point about expectations — you build yourself into a certain income. You make choices that mean that you have to earn a certain amount of money. And if you made different choices you would feel much freer not to make that amount of money.

So I thought that that showed a lot of forethought on that — on their side that they realized, “Well, we’ve gotta construct it so we won’t feel trapped in the private sector, because we don’t want to feel trapped. We want to feel like we can always make the other choice.” You know because with government jobs, it’s like sometimes it’s the right time, sometimes it’s the wrong time. You bounce around a lot. And so they just always wanted to preserve that option.

J.D. I think that’s so smart. One of the things that I’ve come to realize over the past few years — we always hear the advice that in order to prepare for retirement and to make sure that you’ve got a buffer, you should save 10 percent of your income or 20 percent of your income. And I’m not going to say that it’s bad to save 10 or 20 percent of your income. But it’s better to save even more, which can be difficult for some people. But if you can save 50 percent of your income, you create this huge gap between what you need or want and what you actually have available, and that allows you so much more freedom.

Gretchen Yeah. That’s the thing is I think one of things that money can represent to people is freedom. And that’s part of why it’s — money, what — there’s this wonderful Gertrude Stein line where she says, “Money is money, and everyone has to decide sooner or later whether money is money. And they always decide that money is money.” And then it’s like money is money.

J.D. It’s a tool. So in writing about happiness, you discovered that a lot of the — what you were writing about was actually related to habits. So your next book is going to be about habits. And I find it interesting that you say that “Habits are the inevitable architecture of everyday life and a significant element of happiness.” So what do you mean by that?

Gretchen Well, you know it’s interesting. When they do research on habits, it’s something like 40, 45 percent of our everyday life is governed by habits. So, clearly, they’re important for happiness just because they’re happening all the time. That’s the way work is ’cause it’s why you spend so much of your time at work. Of course it’s going to affect your happiness.

But also, as I was looking at people and people who are happier and people who are less happy, and also when I would talk to people about what their happiness challenges were, I would see, over and over, that people who had habits that worked for them were happier. And people who had habits that didn’t fit, were not working for them, or when they were really struggling to make or break a habit, it was a serious happiness issue for them.

And I began to see that if you can get a grip on your habits, then you’re much better able to construct a life that is going to support your happiness. Because like with savings — perfect that you just mentioned –  it’s a perfect example. That’s something that you can either automatically do it and it takes no effort, no thought. It just runs, just happens. Or you can be deciding every time or trying to make yourself do it and, more or less, succeeding or failing. And so I became very — and I was so puzzled by some things about habits that no one else seemed to be — couldn’t notice or be concerned with.

J.D. Like what?

Gretchen Like there’s this assumption — when you read all the habit stuff, there’s kind of an assumption that everyone has more or less the same aptitude to form habits. And that’s just clearly not true. If we could just look around at people in our life, that’s just not true.

J.D. I can look at myself.

Gretchen And there’s — yeah, and there seems to be also an assumption that people have the same attitude towards habits. Well, I love habits and embrace them, but I have friends who fear them and resist them. So they have a whole different attitude towards habits.

And then there are things where people at some point in their life they will easily have a habit. And then, at some times, they won’t be able to form they won’t be able to form the very same habit. Like a friend of mine who said, “When I was in high school I was on the track team. I never missed a track practice. Why can’t I go running on my own now?” Same person, same habit. Why not?

And then also, a lot of them do — people like, “Oh, I really should go to a spin class,” but they can’t make themselves go. But you’re like, “Well, you don’t really want to go to that class, so I sort of see why you don’t.”

But then there are people who are like, “I love going for a walk with my dog after work. I look forward to it with pleasure. I enjoy it. I look back on it. It’s good for me. It’s fun. Why can’t I make myself go for a walk with my dog?” I’m like, “Why can’t you?” So that you know there seem to be all these big mysteries of habits, and I just became determined to try to plum the mysteries and figure it out for myself, so.

J.D. I’m eager to read this book. It sounds like it starts — well, the happiness stuff and the habit stuff kind of is related to the work of Mihaly Csikszentmihalyi and his concept of flow. And I’m not going to get into that here, but I find his work on flow just so fascinating because it — he talks about building purpose and meaning and finding happiness and how habit can help us do that.

Gretchen Yeah. Well you know flow is interesting because flow is sort of — when you’re in flow, you’re neither happy nor sad because you’re not really — you’re really so outside yourself. It’s interesting. It’s a very — it’s related to happiness, but it’s not the same thing as happiness.

J.D. Oh, that’s an interesting insight, too, because to me, in my head I equate the two, and I’m going to have to go back and read the book. I really like it. So it sounds to me as if, when you’re talking about habit, you’re kind of talking about routine. Are habit and routine the same thing, or are there differences?

Gretchen Well, I think a routine is a series of habits. So you have your morning routine which is your series of habits. And then some people will be like, “Well, what’s a ritual?” A ritual is a habit that has a transcendent meaning. So for most people brushing their teeth doesn’t have a transcendent meaning. But if you say a prayer of thanksgiving for your teeth as you’re brushing your teeth, then that could become a ritual. Or something — or hand washing, or something like that could from being a habit to a ritual.

So what I try to do is lay out 21 strategies that I’ve identified that people can employ to make or break a habit. Because maybe for you, three of those strategies would work, and for somebody else a different three would work. Because you’re different from me; we have different challenges, different personalities, different things work for us. You’re a night person; I’m a morning person. There’s a million things that you kind of have to take into account as you’re thinking about it.

J.D. I think that’s so smart too. My main motto at Get Rich Slowly was always do what works for you.

Gretchen Yes.

J.D. And by that, I meant there’s no one right way to accomplish any task. You have to — I feel like too many people in the financial world try to lay down these laws and say, “This is the one right way to get out of debt,” or “This is the one right way to do a budget.” And it’s just not so.

Gretchen Well –

J.D. There are — there’s more than one way to accomplish anything.

Gretchen No. And I think it’s so true. There’s like this impulse to come up with a one-size-fits-all solution. And I think that this is why a lot of people don’t succeed is they’re like, “Oh, well. I know that the way to exercise is to do it first thing in the morning.”

And it’s like, well, that doesn’t work for you if you’re a night person. Morning people, that would work for them, but it’s not going to work for you because you can barely get up at 9:00 a.m. right now to get ready for work. There’s no way you’re going to get up at 8:00 and go for a run. It’s just not realistic at all. So why are you wasting your time. So you might feel like, “I can’t for the habit of exercising.”

But, in fact, if you tried to go after work, even though a lot of people say, “Oh, that’s terrible. It’ll interfere with your sleep and you won’t do blah, blah, blah,” well, you know it might work for you. And so I think you’re exactly right. The first thing to do is to start with self-knowledge. To say, “What kind of person am I? What’s worked for me in the past? When have I failed in the past? What sounds appealing to me? What sounds doable to me?

As much as I’d like to share more — that’s just one-quarter of the interview — I need to stop things there. Next Sunday, I’ll share another excerpt from a Get Rich Slowly interview. Whom would you like to hear from? Jean Chatzky? Ramit Sethi? Tess Vigeland? Adam Baker? Mr. Money Mustache? Cast your vote in the comments!


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