From Here to Financial Happiness Book Summary - From Here to Financial Happiness Book explained in key points
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From Here to Financial Happiness summary

Jonathan Clements

Enrich Your Life in Just 77 Days

4 (118 ratings)
21 mins

Brief summary

From Here to Financial Happiness by Jonathan Clements provides practical advice for achieving financial success. It emphasizes the importance of saving early and often, investing for the long term, and living within your means.

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    From Here to Financial Happiness
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    There are simple routes to healthier finances, and it all begins with understanding “saving.”

    You don’t have to be a financial advisor to know that no two earners are the same. That means that financial advice is never universally true. However, there are some simple rules that apply to everyone, and it’s these general principles you should follow – if you aren’t already doing so, that is!

    Before we get down to business, let’s cover one of the basics: compound interest.

    There’s a good reason saving money makes sense: the amount will rapidly increase thanks to a phenomenon known as compounding.

    So, say you have savings of $1000 earning 6 percent interest every year. Without compounding, you’d only receive $60 interest every year. You’d only get up to a paltry $2800 after thirty years.

    But thanks to compounding, the interest you earn each year gets added to the base savings amount. It’s from this new amount that your next year’s interest is then calculated.

    That means that, after 30 years of compounding, you’d end up with $5,743 rather than only $2,800.

    The lesson here is clear. Start saving and start earning that interest as soon as possible. It really is worth it.

    Now that’s out the way, let's turn to those simple rules for healthier finances.

    If you’re an employee, the first thing to do is to make sure your employer’s retirement savings plan is working for you.

    Typically, for every dollar you contribute to your retirement plan, your employer will give 50 cents, for up to 6 percent of your salary.

    So if you contribute the full 6 percent of your salary to the retirement plan, your employer’s contribution will knock that up to 9 percent. Over time, that starts to add up.

    The second basic rule is never to carry debt on your credit card. That’s because credit card companies often charge up to 20 percent interest on unpaid balances.

    It might seem obvious, but it’s an easy thing to forget. Pay off your card, otherwise, you’ll be quite literally throwing money away.

    We’re off to a good start, but now let’s move to the next blink, where we’ll examine even better reasons for saving money.

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    Key ideas in From Here to Financial Happiness

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    What is From Here to Financial Happiness about?

    From Here to Financial Happiness (2018) presents you with simple tools to help overcome anxiety about your finances, showing you how best to put aside enough money to lead a comfortable life and for retirement. 

    From Here to Financial Happiness Review

    From Here to Financial Happiness (2018) is a book that provides valuable insights and practical advice for achieving financial well-being. Here's why this book is worth reading:

    • It offers a step-by-step approach to help readers make better financial decisions and develop healthy money habits.
    • Combining personal experiences, research findings, and expert interviews, the book presents information in a relatable and engaging manner.
    • With its emphasis on long-term happiness rather than just wealth accumulation, the book offers a refreshing perspective on financial success.

    Best quote from From Here to Financial Happiness

    Things that make us feel good today – spending, eating junk food, boozing it up – often leave us feeling worse tomorrow.

    —Jonathan Clements
    example alt text

    Who should read From Here to Financial Happiness?

    • Financial advisors
    • Millennials who want to save some money
    • Credit card holders and anyone with debt

    About the Author

    Jonathan Clements is a financial planner who was previously a financial consultant at Citigroup, the global investment bank. He has been a frequent contributor to the Wall Street Journal and is the author of several other books, including How to Think About Money (2016). He is also the founder of, a financial guidance website.


    © Jonathan Clements: From Here to Financial Happiness copyright 2018, John Wiley & Sons Inc. Used by permission of John Wiley & Sons Inc. and shall not be made available to any unauthorized third parties.

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    From Here to Financial Happiness FAQs 

    What is the main message of From Here to Financial Happiness?

    Discover the secrets to financial happiness and make smarter money decisions with From Here to Financial Happiness.

    How long does it take to read From Here to Financial Happiness?

    The estimated reading time for From Here to Financial Happiness is several hours. The Blinkist summary can be read in just 15 minutes.

    Is From Here to Financial Happiness a good book? Is it worth reading?

    From Here to Financial Happiness is worth reading because it provides valuable insights on achieving financial well-being and making informed money choices.

    Who is the author of From Here to Financial Happiness?

    The author of From Here to Financial Happiness is Jonathan Clements.

    What to read after From Here to Financial Happiness?

    If you're wondering what to read next after From Here to Financial Happiness, here are some recommendations we suggest:
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    • The Geometry of Wealth by Brian Portnoy
    • Rich Dad's Who Took My Money? by Robert T. Kiyosaki
    • Your Retirement Salary by Richard Dyson and Richard Evans
    • The Ultimate Retirement Guide for 50+ by Suze Orman
    • The New Retirement Savings Time Bomb by Ed Slott
    • Financial Freedom by Grant Sabatier
    • Die with Zero by Bill Perkins
    • The 100-Year Life by Lynda Gratton and Andrew Scott