The term “Personal Finance” can sometimes be misguiding. What if you treated it like a business where you were the boss of your money and that money had to be accountable to you, as those results spoke volumes about you too?

This is the thinking which is really instilled by J.D. Roth, who initially shot to fame with his book and philosophy – Get Rich Slowly. When you really start googling the guy it can get confusing as he seems to have spread his tentacles far and wide – multiple blogs? Check. Regular articles for Entrepreneur magazine? Check. Regular articles for Time magazine? Check again.

However, I really stalked him on one of his blogs in particular – Money Boss and that is what I will talk to you guys about.

What I love about it: His confidence and his grasp on the idea of financial independence really comes through. If anything, he really inspires you to give it your all and start thinking about your finances and what do you really want from money more seriously.

 He yet again focusses enough on mindset and knowing your values and matching them to your money habits and actions.

One big post: There are a lot of J.D. posts I like – long, well-thought, enlightening and thought-provoking. But the one which has probably stayed with me has gotta be: The Optimisation Trap.

Don’t bother with the penny pinching and focus on the bigger picture

If I was to sum up what he tries to say in yet another long post, it would be about how saving money doesn’t have to mean penny-pinching. Roth puts it quite succinctly that while it is easy to get lost in the details, it really is the bigger picture that has to count. While you can tell yourself that finding just the right investments are important, you could benefit more from focusing on ensuring a regular habit of investment. Sure it’s good to be in the optimal scenario, but not at the cost of the bigger picture.

Other 2 personal favourite posts from Money Boss:

  1. Do What Works for You: There’s No Right Way to Enjoy Financial Independence
  2. Foolish Money Mistakes — and How to Avoid Them

You can reach J.D. Roth through Facebook or Twitter.