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NGPF Podcast

Aug 13, 2021

Jonathan Clements has been a frequent guest on the NGPF Podcast. Here's one of our most popular podcasts from a conversation we had back in 2018 to discuss his book From Here to Financial Happiness: Enrich Your Life in Just 77 Days.


  • 0:00–1:10 Introduction
  • 1:11–6:17 Jonathan’s scoop on From Here to Financial Happiness
  • 6:18–8:11 The fundamental importance of compounding interest
  • 8:12–10:11 Meeting the magical “tipping point” after a tough dozen years
  • 10:12–13:45 “Hyperbolic discounting” and bringing retirement to life
  • 13:46–14:55 How the book is more of a conversation with the author and with yourself
  • 14:56–17:03 What are the most difficult questions readers have to answer?
  • 17:04–18:53 Jonathan’s favorite pithy comments
  • 18:54–21:16 Most annuities are sold, not bought
  • 21:17–21:51 A word from NGPF
  • 21:52–25:26 Why experiences greatly outweigh possessions
  • 25:27–32:36 His 3 best and worst financial decisions
  • 32:37–36:03 Human capital, the key concept to investing
  • 36:04–37:09 Conclusion



  • “The meek may not inherit the earth, but they are far more likely to retire in comfort”
  • “I have a lot of scorn for overly complicated and overly expensive financial products that get cooked up on Wall Street… So I say, ‘In the financial world, complexity may suggest sophistication, but it’s usually a rouse to bamboozle and fleece investors.'”