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Money advice often boils down to some basic tenets: spend less than you make, or conversely, make more than you spend. Increase your earnings, then maximize your returns.

Sounds simple—in theory. But the difficulty lies in the application. How do you actually do it so that it changes? What do you do when change is so incremental that it seems barely noticeable? Is the snowball effect worth it?

Enter, stage left: J.D. Roth

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I met JD Roth at the inaugural World Domination Summit. He was the popular blogger of Get Rich Slowly, although, to be honest, I didn’t know that at the time.

Instead, I danced with Adam Baker’s lovely daughter on a concrete barrier, did cartwheels with a goofy lady named Laura, and laughed with J.D. about how inordinately excited we were to be in Portland at this new conference series. At some point we eventually got to talking about our professions and careers, and once we did, we geeked out over books like Ramit’s I Will Teach You To Be Rich, The Millionaire Next Door, and ways to be frugal, savvy, and more importantly—happy.

Over the years, we became good friends, sharing tips on savings, wondering whether or not I should sell my car and go car-free (ps, J.D., I don’t know if I told you, but I sold it! And I used the cash to help start my own business). We’ve crashed in each other’s houses (because when you want to be a millionaire, who springs for a hotel?), and giggled about how we each own jackets that are more than 10 years old.

J.D. has been both a friend and a mentor, and when he told me he was working on a master series called the “Money Toolbox,” I knew it would be full of good stuff.

The Money Toolbox: leave debt behind + grow rich.

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“By following a few guidelines and completing one small step each week, you can master your money and build wealth for the future.” —J.D. Roth

J.D.’s story is familiar to many: a decade ago, he had more than $35,000 in consumer debt—credit-card balances, personal loans, car payments—and was living paycheck to paycheck. In a world where we’re taught that debt is fine, J.D. wondered: what processes actually work to make change with regards to money? And how can I become rich?

Today, he’s debt-free and has more than a million dollars in the bank.

My own story is similar—minus the million dollars part, at least at the moment—I started my twenties with piles of student-loan debt and promptly did the next smart thing all 20-somethings do: I bought a car, because someone told me it was an “investment.” Instead, my car loan was barely approved because I had already acquired so much debt. I began my first job nearly $100,000 in the red with a job that barely paid my rent—let alone the massive student loan payments that were due. I worked nights and weekends as a tutor and swim coach to bring in enough money to afford to buy groceries (My food budget was directly linked to whether or not I taught that week—some weeks were rice and beans).

And yet by the time I turned 30, I was in the black—and it wasn’t because of a miraculous scheme or a magical job. It was through small habits and the power of time.

Just like J.D., I didn’t turn straw into gold, and the process of changing my life didn’t happen right away.

Get the guide and toolkit, here: The Master Your Money Toolkit.

In his guide, J.D. documents the time-tested principles of putting his money to work.

What he learned surprised him: getting out of debt and building wealth wasn’t just about pinching pennies. He focused on reducing expenses and increasing income. For the first time in his life, he began to accumulate savings and invest wisely.

“Getting out of debt and building wealth isn’t just about pinching pennies—wise strategies for spending, saving, earning and investing can add up over time.”

Over the past eight years, J.D. spent much of his time writing and sharing these lessons on GetRichSlowly.org, a popular blog he initially founded to share his own quest for self-improvement. With over three thousand articles and more than a million words, this work still exists as a public archive.

From the mastermind behind the blog Get Rich Slowly comes his latest project: Get Rich Slowly: the year-long course, a money-makeover toolbox designed to help people leave debt behind, master their money, and achieve financial independence. Featuring a “Money Mondays,” email series, 18 audio interviews with money experts, and a comprehensive “Be Your Own CFO” guidebook, this course collects wisdom from financial gurus Ramit Sethi, Pam Slim, Adam Baker, and more.

With a 52-lesson guide to help people master their money, he created a road map to financial freedom, developed for anyone seeking to ‘master their money’ by getting out of debt and building independent wealth.

The Master Your Money Toolkit.

What’s your money story?

As important as J.D’s story is, the new Get Rich Slowly guide isn’t really about him. It’s about you. It’s a road map for your financial freedom, and it includes a 120-page “Be Your Own CFO” guide, 18 interviews with experts who offer specific advice on important topics, and plenty of additional resources. To ensure you don’t get overwhelmed (as I sometimes do!), you’ll also receive a different lesson with simple actions every week for an entire year. I’ve just started reading my own CFO guide, and I think the “Money Monday” emails are brilliant.

If you want a copy, JD is —naturally— offering budget-friendly options, and the three different scales of the program are all discounted for the launch (meaning you can get a copy without breaking your own bank)—because what good is a money guide that sets you back even further?

Get your copy here: Get Rich Slowly: The Money Toolbox.

Congrats, J.D.

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