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The Little Book of Main Street Money: 21 Simple Truths that Help Real People Make Real Money


A gem from one of the most brilliant minds in personal finance.
Ben Stein, author, actor, TV personality, and New York Times columnist

"Investing, as it is said, is simple but it is not easy. Jonathan Clements's fine new Little Book underscores the priceless (and price-less) value of simplicity. And his sage advice on living the good life and on spending well and saving wisely will surely make it, if not easy, at least easier for us to achieve financial peace of mind."
John C. Bogle, founder of Vanguard and author of Enough

"Nobody, and I mean nobody, can make the world of investing as easy to understand as Jonathan Clements can. In this wonderful book, he teaches Main Street how to beat Wall Street at its own game-and how to have fun along the way. This book does not stop at merely making you richer and smarter; it will even help you lead a better life."
Jason Zweig, author of Your Money and Your Brain and editor of Benjamin Graham's The Intelligent Investor

"Jonathan Clements is one of our wisest and finest writers in the field of personal finance. This Little Book contains gems of wisdom not only about investing, but also about living a full and satisfying life."
Burton G. Malkiel, author of A Random Walk Down Wall Street

"Easy to read, easy to understan-and easy to put to work-this Little Book is a winner. I'm getting copies for our children-and their children, too."
Charles D. Ellis, author of Winning the Loser's Game

Jonathan Clements is Director of Financial Guidance for myFi (, a new financial service from banking giant Citicorp. Before joining myFi, he spent eighteen years at the Wall Street Journal, where he was the newspaper's award-winning personal finance columnist. He has appeared on ABC's Good Morning America, CNBC, CNN, Fox News Channel, MSNBC, NBC's Today show, and Consuelo Mack WealthTrack, and is an occasional guest on public radio.


Let the Rebuilding Begin.

Chapter One: Our Finances Are Bigger than a Brokerage Account.

Chapter Two: We Can’t Have It All.

Chapter Three: Money Can Buy Happiness—If We Spend It Carefully.

Chapter Four: Even the Best Investors Need to Be Great Savers.

Chapter Five: Time Is as Valuable as Money.

Chapter Six: No Investment Is Risk-Free.

Chapter Seven: Portfolio Performance: It’s All in the Mix.

Chapter Eight: Stocks Are Worth Something.

Chapter Nine: To Add Wealth, We Need to Overcome the Subtractions.

Chapter Ten: Aiming for Average Is the Only Sure Way to Win.

Chapter Eleven: Wild Investments Can Tame Our Portfolios.

Chapter Twelve: Short-Term Results Matter to Long-Term Investors.

Chapter Thirteen: A Long Life Is a Big Risk.

Chapter Fourteen: Markets May Be Rational, but We Aren’t.

Chapter Fifteen: Our Homes Are a Fine Investment that Won’t Appreciate Much.

Chapter Sixteen: Paying off Debts Could Be Our Best Bond Investment.

Chapter Seventeen: Saving Taxes Can Cost Us Dearly.

Chapter Eighteen: A Tax Deferred Is Extra Money Made.

Chapter Nineteen: Insurance Won’t Make Us Any Money—If We’re Lucky.

Chapter Twenty: Even If We Have a Will, We May Not Get Our Way.

Chapter Twenty-One: Financial Success: It’s About More than Money.


Wall Street? That Isn’t So Far from Main Street.