Jonathan Clements's How to Think About Money offers a practical, common-sense approach to personal finance, challenging conventional wisdom and emphasizing long-term planning. The book argues that diligent saving is key to wealth accumulation, while the pursuit of material possessions offers limited happiness. Clements uses research on happiness and behavioral finance to explain common financial mistakes and advocates for index fund investing, risk management, and a holistic view of one's financial life. William Bernstein's foreword supports Clements's perspective and adds insights from his own experience, emphasizing the importance of saving early and adapting to life's changes. The book provides a step-by-step guide to building a coherent financial plan centered around maximizing long-term well-being.

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