New book & giveaway: “Quit Like a Millionaire”


Another awesome book came out while I was away, and wanted to get it out to y’all real quick while it was still hot off the presses :)

It’s called “Quit Like a Millionaire: No Gimmicks, Luck, or Trust Fund Required“, and comes from two of my favorite FIRE bloggers on the scene, Kristy and Bryce from

Haven’t had a chance to personally peruse it yet, but if it’s anything like they are it’ll be super fun, feisty, and of course informational. Sprinkled with a little a$$ kicking for good measure, haha… So if you’re needing a little extra motivation lately, or just looking for another great perspective on $$$, I highly recommend checking it out! Along w/ their killer blog!

Here’s a summary from Amazon that sums it up nicely:

A bull***t-free guide to growing your wealth, retiring early, and living life on your own terms.

Kristy Shen retired with a million dollars at the age of thirty-one, and she did it without hitting a home run on the stock market, starting the next Snapchat in her garage, or investing in hot real estate.

Learn how to cut down on spending without decreasing your quality of life, build a million-dollar portfolio, fortify your investments to survive bear markets and black-swan events, and use the 4 percent rule and the Yield Shield–so you can quit the rat race forever.

Not everyone can become an entrepreneur or a real estate baron; the rest of us need Shen’s mathematically proven approach to retire decades before sixty-five.

Interested in it? You can learn more or pick it up at Amazon here: Quit Like a Millionaire: No Gimmicks, Luck, or Trust Fund Required, or better yet enter our giveaway for a chance to win a free copy :)

Giving Two FREE Copies Out!

quit like a millionaire books

If you’re feeling lucky, answer this question down below in the comments or via email, and you’ll be entered to win one of TWO free copies I have:

If you were able to quit your job tomorrow as a millionaire, what would be the first thing you did?!

Get your entries in by this upcoming Friday @ midnight (8/23/19), and we’ll announce the winners shortly there after. Good luck!! Open to both the US and internationally! Though international winners will receive the e-book version instead of a hard copy…

First thing I’d do if I were a millionaire? Buy an expensive cup of coffee and then go for a long walk, haha… Which is hopefully way more lame than your answers ;)

(Congrats on the book, Kirsty & Bryce!!!! Love that your energy is spreading!!)

Amazon links above are affiliate links…

***Giveaway now over!!*** Congrats to MK and Linda (Commenter #118) for being the lucky winners!! Hope it helps you both get to that first million faster! :)

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  1. anon August 20, 2019 at 5:26 AM

    I already quit a few months ago, and the first things I did were:
    *not* setting an alarm clock, watching movies and TV shows I’d been putting off, catching up on paperwork/errands, reading more books, playing more games, and making a lot of small dumb impulse purchases.

    1. J. Money August 20, 2019 at 6:07 AM

      Heyy, congrats!!! That must be freeing!

  2. Mike August 20, 2019 at 5:40 AM

    The first things I would do after quitting work would be throw out all my work related stuff.
    De cluttering.

    1. Bryan August 20, 2019 at 7:38 AM

      Learn how to play the guitar.

  3. Clarissa August 20, 2019 at 5:41 AM

    The first thing I’d do if I quit tomorrow because I’m a millionaire is to start writing the fiction books that I have in my head because I finally have the time to sit down and write them. I’d also pack up everything I really don’t want to part with, get rid of the rest and move to Hawaii to be able to run my business and write my books in paradise.

    1. J. Money August 20, 2019 at 6:04 AM

      that would be nice!!! though the cost of living in Hawaii might not help you stay a millionaire, haha…

  4. Paolo August 20, 2019 at 5:42 AM

    i will stay home with my family on the first day, and brew a nice cup of coffee for everyone.

    1. J. Money August 20, 2019 at 6:02 AM

      Haha… love it :)

    2. NotTheDude August 20, 2019 at 6:45 AM

      The first thing I’d have to do is figure out what the heck am I gonna do now? I’m getting close enough to a “normal” retirement (collecting SocSec) yet I haven’t worked out how to spend my time. Ironically, I’d have plenty of time to figure out how to spend the time…

  5. Mary August 20, 2019 at 5:49 AM

    Join the gym. Don’t have the time or money now.

  6. Kevin August 20, 2019 at 6:07 AM

    I am a morning person so I think I’d still get up and sit with my cup of coffee and enjoy the feeling of not having to make a long commute to work.

  7. Josh August 20, 2019 at 6:17 AM

    These are the first things I would do if I became a millionaire today:
    1. Pay off the remaining loan balance for our rental property
    2. Buy the land for sale behind our house to control our neighbors
    3. Take the family on vacation to the beach for (maybe) a month
    3. Put the rest in savings and investments for a rainy day

    Both of us already like our jobs and have a flexible schedule, so we would keep our current income streams.

    1. J. Money August 20, 2019 at 6:24 AM

      Good position to be in! Enjoying your jobs makes your whole life better with or without a million dollars :)

  8. terri August 20, 2019 at 6:34 AM

    I would love to pursue some sort of writing…. still not sure about what…… perhaps a blog or an e-book. Need to do something. I am not one to be idle.

    1. J. Money August 20, 2019 at 11:59 AM

      Luckily that’s something do-able without millions :) Try writing for 30 mins as soon as you wake up!

  9. Kim August 20, 2019 at 6:44 AM

    First thing I’d do if I were a millionaire? I will thank God for the privilege of being one.

  10. Kenneth August 20, 2019 at 7:07 AM

    I’ve always said if I won the lottery (which apparently would require playing the lottery) that the first thing I would do is buy a catering sized tray of Chick-fil-a nuggets and not share them with anyone…just to see if I could do it.

    A close second would probably be go to the hospital for eating too many nuggets or throwing all that cheddar into VTSAX…you know, boring stuff.

    1. J. Money August 20, 2019 at 12:00 PM

      I opt for option #1 ;)

  11. Brandon P August 20, 2019 at 7:17 AM

    Given the opportunity, shortly after quitting I would automate all of my recurring expenses from a “bills account” and automate a recurring transfer to a separate account specifically for guilt free spending.

    The two next items: vacation with he significant other – and buying myself a project motorcycle to restore (tinker time in the garage is my form of therapy!)

  12. The Crusher August 20, 2019 at 7:22 AM

    If we retired tomorrow the 1st thing I would do do would be to sh$t can my alarm clock! I would still likely get up early every day but I would love to do so based on my internal alarm clock.

    I would also get a nice midday nap in my hammock!! Hammock-time!!!!

  13. Kevin August 20, 2019 at 7:28 AM

    I’d start looking at all those Caribbean islands that the fam and I have been fantasizing about visiting! :)

  14. Suz August 20, 2019 at 7:30 AM

    I can’t imagine quitting my job (my best friend of 30+ years is my boss and we love our job)……
    But…… if I had some extended time off, I would head directly to the Grand Canyon and hike for days, or weeks, as it is my favorite place on the earth,.

  15. Leila August 20, 2019 at 7:31 AM

    I would celebrate either by myself or with my boyfriend by getting some good food and dessert, truly enjoy my time, and allow myself to sleep a littleee bit later than I do now.
    I honestly would just be eager to plan my new routines and start working on my online businesses full time! :)

  16. Shannon August 20, 2019 at 7:34 AM

    1. Pay off both sister’s homes.
    2. Turn off computer for a week and relax…. plugged in all the time has to stop
    3. Read a couple of books that friends have recommended.

  17. MK August 20, 2019 at 7:37 AM

    The very 1st thing after giggling maniacally? I would indulge in thinking time. I have a habit I call thinking time where I crawl into bed or on the couch & just let my mind wander, thinking about things I’d like to accomplish and how I’d go about doing them. I just let anything & everything float thru my mind – no specifics, no limits. I’ve worked out several solutions to problems, thought up alternate ways of doing things and stretched my creativity doing this. From there, I would plan out my goals using the things I’ve thought up.

    1. J. Money August 20, 2019 at 12:02 PM

      I believe that’s called meditation? :)

  18. Barrie R August 20, 2019 at 7:39 AM

    Pay off my investment properties and sail the Caribbean!

  19. Becca August 20, 2019 at 7:39 AM

    I would book a plane ticket to… Anywhere! Wouldn’t go crazy and book first class, but would definitely go premium economy

  20. Lauren August 20, 2019 at 7:41 AM

    The first thing I would do is get a really good night’s sleep and then in the morning take my time cooking a great breakfast instead of my usual morning rush.

  21. Sara August 20, 2019 at 7:43 AM

    I want to time it with my kids summer break and take a camper across the US and enjoy our beautiful country with them. It’s my retirement dream, but it would be even better if i could do it while my kids could enjoy it too.

  22. Jacq August 20, 2019 at 7:43 AM

    Top 2 things after a really nice cup of coffee: set up a volunteering schedule, & plan my next international trip.
    There are several local animal groups that are always on the lookout for kitten or dog fosters, but with a work day + commute amount of time out of the house, it’s not possible.
    I’ve had 2 fun trips recently and there are always things you don’t get to see or do, and there a few spots I’d like to revisit. Without the limit of work restricted vacation time, and some air miles, I’d start making plans.
    As both items are things I can do currently without $1M, it’s clear I feel like work is the limiting factor, hence reading blogs about FI to be on a path to eventually free up my time.

    P.s. I’m not answering to enter the contest, just to play along. :)

    1. J. Money August 20, 2019 at 12:03 PM

      And I’m glad you still played along – fun to see what you’re dreaming up over there :)

  23. Tedi August 20, 2019 at 7:43 AM

    First I would volunteer more for Make-A-Wish!

  24. David Hunter August 20, 2019 at 7:44 AM

    First thing I’d do is sleep in!! Heck probably wouldn’t even get out of bed for the whole day. Re: Slouch.

  25. Betsy August 20, 2019 at 7:46 AM

    I’d hire a running coach to rehab and train me, as my job really interferes with my workouts.

  26. Lynn August 20, 2019 at 7:47 AM

    Take my Husband out West on a trip around the U.S. I was fortunate to be able to travel as a kid and explore the U.S. I want him to be able to enjoy that and see the sites while he is still mobile.

  27. Erin August 20, 2019 at 7:56 AM

    I would buy a small used RV and travel the country, searching for a better area to live . I certainly don’t plan on staying in the high cost of living state of Connecticut when I retire! $1 Million doesn’t go very far here!

  28. Cindy August 20, 2019 at 8:07 AM

    The first thing I do once I “quit like a millionaire” is to sleep in. I would have such a good night’s sleep, that’s for sure.

  29. Barbara August 20, 2019 at 8:08 AM

    Savoring this thought a little…aahhh! I’d go out and immediately pay cash for the dream RV my hub n I want!!! Then would begin the process of getting rid of stuff to hit the road FT!!!

  30. Mike S August 20, 2019 at 8:14 AM

    I already quit once, then after 4 months I took a new position that I thought would involve a lot of travel and working from home for a high salary. I’ll be quitting again in 6 weeks, as the travel part did not come to pass and I’m not enjoying myself and I don’t need the money. 1st thing I’ll do again is sleep in, been getting up early for most of my life and I don’t particularly like it. Then I’ll spend more time at the gym getting into shape and catching up on my reading. Been picking up books for years and just stacking them in the garage. I need to work my way through them and then give them new homes.

    1. J. Money August 20, 2019 at 12:06 PM

      Hah!!! Good job trying it out a 2nd time at least! Maybe you can do something guilt-free with all that money you earned on this 2nd go? :)

  31. One Frugal Girl August 20, 2019 at 8:28 AM

    I quit my job to stay home with my children after we became millionaires. Waking up five times a night and incredibly early to a newborn isn’t exactly the same as waking up without an alarm clock. I had a human alarm clock waking me instead ;)

  32. SL August 20, 2019 at 8:32 AM

    The first thing? Get with my accountant and financial adviser to make sure I STAY a millionaire. Second revise my will and trust setups.
    Third figure out what the heck I want to do next.

  33. Jessy August 20, 2019 at 8:32 AM

    If my employer wanted to get rid of me badly enough to pay me off with a million bucks, I would get up the next morning, have coffee, go for a swim, and take a walk in nature just to appreciate the wonderful life I already have. Then I’d find some meaningful work to do, with or without pay. And btw, welcome back, J$!

    1. J. Money August 20, 2019 at 12:07 PM


      I’ll put in a good word with your boss as soon as I submit this comment ;)

  34. Slacker Jo August 20, 2019 at 8:36 AM

    Learn how to be honest again. I can’t remember the last time I had an honest conversation in the workplace.

  35. Brittney August 20, 2019 at 8:43 AM

    Finally take that trip back to Patagonia that we’ve saved for but just haven’t had the time to take!

  36. Carrie August 20, 2019 at 8:51 AM

    Mine is probably lamer than yours. I’d deep clean and reorganize my kitchen cupboards. I’ve been avoiding it because I don’t want to “waste” what little free time I have each week on such an arduous task. But it would make my daily life so much more pleasant.

    If I quit it would all be free time!

    1. J. Money August 20, 2019 at 12:07 PM

      You’re right, you win haha….

  37. Victoria B. August 20, 2019 at 9:01 AM

    Right after I figured out what I was going to do for health insurance, I would focus my energy on a personal improvement project: train for a marathon, sew a new wardrobe, take a certification class, etc. Something to keep my mind and body active, but that’s just for me.

    This was a fun exercise!

  38. Clarise August 20, 2019 at 9:02 AM

    The first thing I would do is wipe out all my existing debt. 2nd, since I am in the process of buying a home, I would upgrade my search to something a little bigger or have one built new; not outrageously so of course. Then, I would set up a trust for my children. Then, I would donate to various charitable organizations. Then, I would use the rest to just relax and enjoy not having to work and stress.

  39. Samantha Chapman August 20, 2019 at 9:02 AM

    If I were able to quit tomorrow as a millionaire, I would wake up, make my family breakfast and pack up to spend a day on Lake Huron. Then I would buy one of those beautiful cabins so we don’t have to drive back and forth so often ;)

  40. Adam Williamson August 20, 2019 at 9:02 AM

    Three items on the list:
    1. Pay off mortgage on primary and investment homes
    2. Finish our basement as an in-law apartment
    3. Finish converting half the garage into a workshop and spend the free time here.

  41. Becca August 20, 2019 at 9:03 AM

    I would go to Target and purchase things that are wanted and needed and not be worried about going over my budget. To have one guilt free Target run.

    1. J. Money August 20, 2019 at 12:08 PM

      That would be magical, haha…

  42. Steve Bootsma August 20, 2019 at 9:07 AM

    Clean up the garage to clear up the power tools and start on some wood working projects.

  43. Lisa O August 20, 2019 at 9:09 AM

    Wake up and feel “freedom” knowing that retirement planning was not top on my list!

    E N J O Y A S I M P L E D A Y & B E F R E E T O W H A T E V E R!

  44. Elora August 20, 2019 at 9:10 AM

    If you were able to quit your job tomorrow as a millionaire, what would be the first thing you did?!
    First thing I would do is buy a van to turn into a tiny home on wheels so I can go on my bucket list National Parks road trip!

  45. Michelle Marcus August 20, 2019 at 9:11 AM

    The first thing I would do is pay off a lot of my friend’s bills so they wouldn’t have to keep struggling either. Next I would let my Aunt pick the retirement place that she wanted to go to but couldn’t afford. Last, I would finally be able to pursue a very low paying sports career.

    1. J. Money August 20, 2019 at 12:09 PM

      You’re a damn good friend!!

  46. Mary-Frances August 20, 2019 at 9:14 AM

    I’d buy a Toyota Sienna, convert it to a camper and travel around the country!

  47. Traci August 20, 2019 at 9:22 AM

    Sleep in. Drink coffee. Rinse. Repeat.

  48. Kenya H. August 20, 2019 at 9:27 AM

    I would go to the beach with a full picnic basket, a good book, and comfortable chair and just relax until the sun sets.

  49. Caroline Carlson August 20, 2019 at 9:33 AM

    Ist day, comb through real estate listings and find the home on a lake I’ve been looking for/planning for!

  50. Lilith August 20, 2019 at 9:49 AM

    The first thing we did when we reached our bingo number is relocate. Generous relocation costs were built into the number. The only reason we were living in Houston, which has to be on the list for the least attractive city in the country, is for our jobs. Once we didn’t need the jobs, we high tailed it out of there and moved to the Poconos.

    1. J. Money August 20, 2019 at 12:10 PM

      Congrats!!! Way to make it happen in real life!! :)

  51. AJ Smith August 20, 2019 at 9:51 AM

    I would stop writing those HUGE daycare checks – stay home with my boys and pocket that money monthly! (Eventually I’d get them into a part-time nursery school so I could pursue some passion projects… but first I’d enjoy the savings and some time with them!)

  52. Elizabeth Mannette August 20, 2019 at 9:52 AM

    First thing I’d book flights to visit elderly friends and relatives and spend two weeks with all of them and have some fun. I have a great aunt who is 96 in the Caribbean, an aunt who is 80, a close friend who is 92 and another friend dying at 73.
    I visited all in the last year but wished I could have stayed longer. I’d let them know they are loved and appreciated and then have them talk about their lives and capture some of their memories or experiences.
    I lost my mom and treasured second cousin last year. I spent all my life working on my career, businesses and just following my dreams. And I realize the family and friends are what makes life special. Nothing can replace the missing memories. So I’d like to create more great memories.

    1. J. Money August 20, 2019 at 12:11 PM

      Danggg – your family lives a long time!!! Good for them!!

  53. Laura the self taught mom August 20, 2019 at 9:55 AM

    I would take my husband and our 11 children and daughter in law out for a nice dinner together, and spend the next few days planning an awesome family vacation!

  54. Courtney August 20, 2019 at 9:59 AM

    If I could retire tomorrow, I’d pull my kids out of daycare and spend a day with them enjoying summer. I’m getting stressed about juggling FT work and all their school activities…already planning my PTO time around all their appointments, teacher meetings, Open Houses, early-outs, etc. It’s tough when they beg to not have to go to daycare after school but a necessity with 2 FT working parents.

    1. J. Money August 20, 2019 at 12:11 PM

      That is hard :(

  55. Kim August 20, 2019 at 10:02 AM

    My husband and I own a business (labor of love!) but I would quit my day job in a heartbeat. I think we’d finally take that trip to Italy or Japan (or both haha) we’ve been dreaming about…expensive but at least we wouldn’t have to worry about using vacation days orcoming back to a bunch of obnoxious emails. ;)

  56. Jason August 20, 2019 at 10:04 AM

    I would move to the islands, buy a live aboard catamaran..and do day charters to pay for it while keeping my nest egg intact! And of course invite J Money to do a workshop/cruise!

    1. J. Money August 20, 2019 at 12:12 PM

      I’D BE THERE!!

  57. Maggie August 20, 2019 at 10:06 AM

    Would I be allowed to pop champagne?! I would pop champagne. And then reclaim my closet from all my work attire that I would never need. Finally my t-shirts would get the proper space they deserve!

  58. Wes August 20, 2019 at 10:06 AM

    First thing I would do is full my vehicle up with gas, grab my wife and cats and head out of town. Doesn’t matter where, doesn’t matter how. Just travel and scream at the top of my lungs that “I’m FREE!”

  59. Carol in Mpls August 20, 2019 at 10:09 AM

    Clearly, sleep in. The rest will all come in time.

  60. Abbey August 20, 2019 at 10:18 AM

    The first thing I would do if I quit a millionaire tomorrow would be to buy my flights to South Africa and volunteer at the big cat sanctuary and animal orphanage for as long as possible. Maybe even end up staying!

  61. Robin Weinzierl August 20, 2019 at 10:20 AM

    I would go outside and sit down, listen to the birds and watch the clouds go by. It would be a relief not to have to worry about money anymore.

  62. Lisa Van Gemert August 20, 2019 at 10:22 AM

    I started to respond to this and realized that everything I’d do could be done now if I prioritized it! I think what I would mostly do, though, is volunteer more. I’ve been a foster parent, but I feel a little too old to do that now. What I would do instead is to be a guardian ad litem (sometimes called a CASA) to represent kids in foster care in court cases. It takes time I can’t currently give because I’m often traveling for work and couldn’t work around court dates. If I retired right now, I would advocate for those children by being their guardian ad litem. Thank you for this opportunity to let me think about a bigger purpose.

    1. J. Money August 20, 2019 at 12:15 PM

      So glad it gave you a good exercise :) And you’re right about most things we can all do NOW if we really cared enough/prioritized!! I guess more fun to dream about though with millions than without, haha…

  63. Wes August 20, 2019 at 10:28 AM

    I would definitely give my 2-week’s notice at work and meet with a financial advisor to avoid paying tax on as much of my wealth as possible!

  64. Jeff Schatz August 20, 2019 at 10:47 AM

    First I’d check and recheck my bank account to make sure I wasn’t dreaming! Then I would make plans to visit all my relatives that I haven’t seen in years who live all over the country.

  65. Mike August 20, 2019 at 10:59 AM

    Get up early and go for a long run.

    Followed by the coffee, of course.

  66. Chris R August 20, 2019 at 11:24 AM

    I would finally get started with house hacking or a couple rental houses. I’d probably also go ahead and buy my own reasonable house. Then I’d make several large charitable donations before turning the rest around to Vanguard funds and being set for life! And buy a pizza restaurant so that I can have free pizza as the owner.

  67. Mack Male August 20, 2019 at 11:26 AM

    I’d want to take in a beautiful view with a cup of coffee. I’d enjoy the moment. Then I’d probably get back to work :)

  68. Andrea King August 20, 2019 at 11:34 AM

    The first thing I would do is buy a farmhouse with lots and lots of land and start planning my animal rescue!

  69. Erica August 20, 2019 at 11:35 AM

    I would lay in bed all day and binge watch Below Deck (don’t judge, I’m strangely obsessed). The next day I would have to find something more productive to do.

    1. J. Money August 20, 2019 at 12:17 PM

      That is a good show ;)

  70. Nita August 20, 2019 at 11:38 AM

    Hopefully? Write down all the places in the world I want to see, put them in a hat, and draw :)
    Second would be booking a train or plane ticket.

  71. Pam August 20, 2019 at 11:51 AM

    Spend more time with my family and do the Reno’s to the house we’re planning on. Nothing too crazy, lol

  72. Melissa Garner August 20, 2019 at 11:55 AM

    If you were able to quit your job tomorrow as a millionaire, what would be the first thing you did?! I would take my son to school and pick him up from school. He loves it when I do that, but my job hours don’t jive. I would then set out to find meaningful work that I only work on during the school day, during the school year. I would love to be able to start a business and work when it’s convenient for me. I would love to be able to put time with my family first. As a single working mom, that’s nearly impossible right now. Until I figure out how to be financially independent that is!

    1. J. Money August 20, 2019 at 12:18 PM

      That is hard to do – even with BOTH parents! Keep on striving, mom!!! Your kid is lucky to have you!!

  73. Karen August 20, 2019 at 12:00 PM

    I would upgrade our tent to a small camper so we could camp in any kind of weather since I would have more time for camping.

  74. Becky August 20, 2019 at 12:00 PM

    I would pay my house off (which is not a huge amount), then I’d see if I could buy a reasonable fixer upper. I would definitely save and invest a big chunk too!

  75. Francisca Squiabro August 20, 2019 at 12:07 PM

    I would pay off my debts and give back by volunteering and helping communities around the world.

  76. serenity he August 20, 2019 at 12:15 PM

    If I can quit my job tomorrow, i would take my daughter on a mommy and me tea time. I would be looking for local and free places to take my son to. We just discovered he’s on the autism spectrum, this would give me the time I need to help him with this social skills.

    1. J. Money August 20, 2019 at 12:19 PM

      I hope you’re able to find ways to do that before even reaching millions :) You seem like a wonderful mother.

    2. BP August 20, 2019 at 1:09 PM

      Your kids already won the mommy lottery. Love your ideals and I fully believe you can make this happen without the lottery. Best of luck and blessings.

  77. Ryan August 20, 2019 at 12:24 PM

    The first thing I’d do is take some ibuprofen because the stress hangover would be too real. LOL! In all seriousness, I’d grab my fiance and our boys and head to the ocean for some much needed r & r.

  78. Maeve August 20, 2019 at 12:27 PM

    I would book a first class RT ticket to Ireland and spend a month in Kerry & Waterford!

  79. Seffy August 20, 2019 at 12:53 PM

    I would go to Whole Foods and buy an entire strawberry shortcake and an entire chocolate cake and not share with anybody!

    1. J. Money August 21, 2019 at 2:32 PM

      Not even me???? :)

  80. BP August 20, 2019 at 1:07 PM

    Run/walk/crawl a half marathon in every state and country around the world.

  81. Mark August 20, 2019 at 1:16 PM

    I would quit mt job, pay off all debts. Than travel the world and volunteer my time.

  82. Donna August 20, 2019 at 1:29 PM

    I would sleep in, then hop on the bus to go have a cup of coffee with my man (because he doesn’t like “titles”, therefore “boyfriend” is out).

  83. Tyneisha August 20, 2019 at 2:16 PM

    I’d probably just SIT for a while…..then I’m gathering up my husband and kids and we’re going road tripping on our OWN schedule. Totally want to read this book!

  84. Susanne Nielsen August 20, 2019 at 2:17 PM

    We weren’t quite millionaires when we retired a year and a half ago, although we weren’t that far off. Because we’d been working a plan the last five years we worked, we’d already purchased the second home we dreamed of in a much warmer state, so we headed south for the rest of the winter. IT WAS LOVELY. Since then we’ve been traveling some and working on our homes. We’re quintessential putterers. LOL

    A million dollars sounds like a lot of money, but I wouldn’t be looking to spend very much of it quickly because it has to last a long time! We’re looking at living on this for another 30+ years, so we’re being careful in prioritizing what we spend.

    1. J. Money August 21, 2019 at 2:33 PM

      Well huge congrats to y’all!! Being able to retire under a million is pretty impressive! Must have your expenses down pat :)

  85. D August 20, 2019 at 2:28 PM

    Sleep in. Two small kids, so it never seems to happen.

  86. Amber August 20, 2019 at 2:29 PM

    I’m five years away… and I plan to make a shirt that says I heart Mondays, not set an alarm, and take a 9:30 am yoga class. My DH and I will FIRE at the same time and we’re taking a full year off to Flânerie. :)

    1. J. Money August 21, 2019 at 2:34 PM

      Great SAT word :)

  87. Pilot Patrick August 20, 2019 at 2:40 PM

    I already have the best job in the world, so I wouldn’t change anything.

  88. Kyris August 20, 2019 at 3:11 PM

    As hubby and I are trying to retire, I really want the book for our 23 year old son – setting him up for success already but another “voice” never hurts. As we plan our retirement, step one is get in the camper and go for about 3 months. We love camping and as owner/operator of our small business, we just haven’t gotten more than a couple of long weekends of vacation in the last 20 years. We’re both looking forward to relaxing with no agenda for a bit.

  89. Frances August 20, 2019 at 3:52 PM

    If I were to become a millionaire overnight, the first thing I would do is give my two weeks notice to work. As I told my partner, I worked to hard to get the vacation hours that I have coming to me and I want them!

  90. linda August 20, 2019 at 4:25 PM

    I would take a few days to recover from the shock and then maybe take a road trip.

  91. Spence August 20, 2019 at 4:30 PM

    I’d pay off my student loans and spend the remaining $3 on McDonald’s dollar menu.

    1. J. Money August 21, 2019 at 2:35 PM

      Haha… i see what you did there.

  92. Mr. Burrito Bowl August 20, 2019 at 4:47 PM

    The first thing I would do is poop. When I get excited about the future it makes me need to use the bathroom. If I woke up a millionaire tomorrow I would for sure be like, “Oh my gawd this is awesome! Excuse me…” then i’d run off to the bathroom.

  93. Rachel August 20, 2019 at 4:53 PM

    OHHHH!!!! I’ve been wanting to read this since a friend of my posted about it. The first thing that I would do if I was a millionaire is…. make a list of places that I’d like to help out financially that are important to me and my community, but also find a way to make more money so I can continue to give and give and give! Thanks J for offering another great read!

  94. David @ Dads and Dollar$ August 20, 2019 at 4:54 PM

    The first thing I would do is to get all the kids in to see the dentist. Our budget is already cut to the bone, with doctor visits eating a lot of it as it is. We just can’t cut enough to pay for a dentist on top of everything else.

    And then we’d redo the kitchen, as my wife has wanted to do since we bought the house.

    1. J. Money August 21, 2019 at 2:37 PM

      Sorry to hear that about the dentists :( Wish we had better health options here in the States!!

  95. Karen August 20, 2019 at 4:57 PM

    Sleep late the first day & then start volunteering at a few places around town.

  96. Scott August 20, 2019 at 5:01 PM

    The first thing I would do is burn all of my work-related files and clothes. Then I would buy a small starter home close to the beach in Florida. I would spend my days at the beach and my nights at the Elks Lodge. Life would be good.

  97. DG August 20, 2019 at 5:02 PM

    Thanks for the giveaway. The first thing i would do is probably take a small trip back to spend time with the parents and catch up on lost time :)

  98. GJ August 20, 2019 at 5:06 PM

    Whenever we went on vacation my stepdad would ceremoniously drop his watch in a drawer for the duration of the trip! It was a week he didn’t have to live by the time. I don’t even wear a watch but I love the idea – maybe my phone???

    1. J. Money August 21, 2019 at 2:38 PM

      Haha – phone would work :)

  99. Cam August 20, 2019 at 5:08 PM

    Help my wife start her own her own dental practice.

  100. Michael August 20, 2019 at 5:32 PM

    I’d hike the Appalachian Trail. It would probably be cheaper than living my normal life after all.

  101. Avicado August 20, 2019 at 5:47 PM

    I’d properly place the money for maximum return. Well, that’s one of the first things :) I’m feeling lucky.

  102. Liz C. August 20, 2019 at 5:56 PM

    First thing I would do is jump in the car and drive to Mackinac Island, my favorite happy place! I would stay at the Iroquois Hotel and rent a bike for the week:)

  103. Lizzy August 20, 2019 at 6:14 PM

    The first thing I would do is hit the trail! Backpack for a solid week! Ok, maybe I would come back to town for fancy coffee every other day….

  104. Paul August 20, 2019 at 6:17 PM

    Focus on spending the first two weeks on de-cluttering and preparing the house for sale!

  105. Liberty @ Love Liberty Shelter August 20, 2019 at 6:33 PM

    We would completely hire out the renovating and beautifying of the new home we’re closing on in six weeks (yaaaaay!) and take out kids on a big trip to see family and the beach while all the work gets done at home:)

    1. J. Money August 21, 2019 at 2:40 PM

      Yayyy congrats!! so no more tiny home? Or a tiny home in the back yard of the new home for when people like me visit? :)

  106. Jackie August 20, 2019 at 7:16 PM

    After quitting my job I would rest for a day or two and just sleep in. Then I would probably get to work fixing up all the things around the house, painting the walls, decluttering, etc. All the things I have a hard time finding the time for now. And I would have all my besties over for a celebratory BBQ and cocktails that first weekend, or maybe order pizza! No sense celebrating without my closest friends and family!

  107. LeeAnne August 20, 2019 at 7:36 PM

    If I was to wake up tomorrow a millionaire, I would work on paying off my house (and these upcoming medical bills). I might take a few days off just because, but I’d probably go back into work. I would also be sure that me and my friends take a great vacation every year – on me! You really can’t put a price on that fun and laughter.

  108. Cindy Brick August 20, 2019 at 7:40 PM

    Just started reading this book, and love its no-nonsense approach. (Though for being a math doofus, she comes up with a lot of formulas I have to run by Husband the Engineer to totally understand…)

    I’d LOVE to have a copy of this in my permanent library.

    As for the first day of millionaire-dom…
    I’d have a cup of Husband’s coffee, check e-mail…and watch a movie. In other words, what I can do already.

    1. J. Money August 21, 2019 at 2:40 PM

      Glad you’re enjoying it already!

  109. Mr FIRE Ready Aim August 20, 2019 at 8:32 PM

    If I woke up a millionaire tomorrow? After putting in my months notice I’d jump on all those projects around the house I haven’t had time for. Love working with my hands and with three young’uns I just haven’t had the time to do all I want.

  110. Laura August 20, 2019 at 9:08 PM

    I would probably work a little longer to figure out health care and maybe just find a part-time job that would be more fulfilling and less stress. A nap might be up first though.

  111. Eddie August 20, 2019 at 9:32 PM

    I would finally go and explore all the National Parks

  112. Michelle CT August 20, 2019 at 10:00 PM

    Well have a party of course. Although it would be a potluck so it did not cost much and then I would answer all of the questions regarding how I budgeted and saved and still went on 2 month vacations every couple of years to New Zealand. And all the while encouraging my friends to do the same, so we could go hiking when we wanted, lay around reading books and drinking coffee and growing more vegetables.

  113. Kelli August 20, 2019 at 10:02 PM

    I’d jump on a plane and take an awesome trip!

  114. Samantha August 20, 2019 at 10:11 PM

    Since coming off a six month sabbatical, I know exactly what I’d do. Cook more adventurously and more time consuming-ly. Read a lot more. Do yoga a lot more. Make presents. Spend more time with retired family members. Turn off and alarm clock and turn on the radio.

    1. J. Money August 21, 2019 at 2:42 PM

      6 months – impressive!!! Was it everything you thought it would be or no??! You gotta write something up about it so we can all see!! :)

  115. Jessica August 20, 2019 at 10:14 PM

    Pay all my debt, pay all my parents’ debt, invest 3/4 of what’s left, then take a sabbatical to travel.

  116. M L August 20, 2019 at 11:01 PM

    Can’t think of anything best than not waking up to the alarm at 3:30 in the morning

    1. J. Money August 21, 2019 at 2:42 PM

      Wow that’s hardcore…

      What line of work are you in?

  117. Martin Andrew Cunningham August 21, 2019 at 3:53 AM

    I hope it wouldn’t change me. The journey I am on is all about living the meaningful life and being a millionaire is just another stepping stone. So maybe I would give the last £1 away and keep going because I wasn’t yet a millionaire!

    1. J. Money August 21, 2019 at 2:43 PM

      I like it :) And even more so *earning* the first mil before you magically win one, haha… that way you know you can do it on your own! which most of us can!

  118. Catalina August 21, 2019 at 3:59 AM

    Say bye bye to my boss!

  119. SHannon August 21, 2019 at 7:27 AM

    Pay off my mortgage!

  120. Dylan Corriveau August 21, 2019 at 8:24 AM

    I’d love to pay off my mortgage, then invest to ensure I can keep a consistent cash flow. The rest would be for travel :)

  121. Shay August 21, 2019 at 8:52 AM

    I would make a list of all the things I have been wanting to do and make a schedule so I could (leisurely) work on them (with plenty of time for reading/doing nothing. I do best w/a little bit of a a schedule. I would pay off my mortgage ( only about 7 years left anyway) and I would also help my young adult children who have just purchases houses. I would probably do something sneaky fun like paying their December mortgage payments. Then I would set up ways to make sure the money works for me and continues to generate income so I can do a little travel or buy more books. I don’t need a fancy lifestyle. I would just like to be a little less frugal.

    1. J. Money August 21, 2019 at 2:44 PM

      Awesome you only got 7 years left!!!! Getting closer!!!

  122. Maddi August 21, 2019 at 9:35 AM

    I would definitly start gardening and producing my own eco-food! (And also buying a house wouldnt be terrible! Jajaja)

    1. J. Money August 21, 2019 at 2:44 PM

      You can do that without a million dollars :)

  123. Terri August 21, 2019 at 10:24 AM

    I would catch up on some much needed sleep! Then get my affairs in order and plan a trip. A loooooong trip :D

  124. Ann Marie August 21, 2019 at 10:54 AM

    Book a trip to Hawaii…I’ve never been. When given the opportunity to travel, I tend to go to places that I will learn something or be able to do excursions – I never go to a place to just relax…Hawaii has a nice balance of both – places to discover and beaches and beauty to just relax!

  125. Richard August 21, 2019 at 10:58 AM

    First thing I would do is finally convince my wife it’s time to “pull the trigger” and get out of the rat race!

  126. Becky August 21, 2019 at 12:24 PM

    The first thing I would do would be to turn off my alarms so I could sleep in :)

    Eventually I would probably find a non-profit to ‘work’ at to fill my time, but I would definitely enjoy more time with my two-year old until she is old enough to go to school (maybe I’d homeschool her, since I’d have the free time, who knows?)

  127. Amith August 21, 2019 at 1:03 PM

    Invest in index funds with the allocation of 75% stock & 25% bonds with the below breakdown & live off the returns. Essentially I would Quit Like a Millionaire :)

    25% Canadian (TSX)
    25% US (S&P)
    25% International
    25% Canadian bonds

  128. Oliver August 21, 2019 at 1:11 PM

    The obvious answer is the first thing I’d do if I were a millionaire is….quit like a millionaire!

    Seriously that’s the plan, I just need to keep raising the capital to make it a reality.

  129. Nok August 21, 2019 at 1:16 PM

    I would hire a driver to drive me wherever and whenever I want! Driving takes too much toll on mah body!

  130. Christine August 21, 2019 at 1:19 PM

    I would visit my daughter in Europe and then off to Bali to visit friends all while working on my side gig to help others gain Financial freedom and Optimize Health & Wellbeing.

    1. J. Money August 21, 2019 at 2:45 PM

      What’s she doing in Europe? :)

  131. Ledgerman August 21, 2019 at 1:19 PM

    I would take a few months and go drive through Montana, Idaho, Washington and up/down the west coast with a teardrop trailer and our bikes. Spouse and I would camp, trail run, and bike ALL the places!

  132. Cindy August 21, 2019 at 1:23 PM

    The first thing I would do is pay off my mortgage – I know definitely not glamorous. Second thing I would do is to book a one-way ticket to Italy :)

  133. Coral August 21, 2019 at 1:36 PM

    Cry uncontrollable tears of gratitude. Then I’d book a flight to Hawaii to finally have a real vacation before coming back to reality to take care of everything.

  134. Ra Embree August 21, 2019 at 1:45 PM

    I would purchase the ranch land we have our cattle on. Unfortunately ag lands are getting really expensive and there is a lot being lost to development. I would love to have a place to pass on to my kids.

    1. J. Money August 21, 2019 at 2:46 PM

      That would be nice :)

  135. Abid Ali August 21, 2019 at 1:46 PM

    Visit every UNESCO World Heritage site and quiz my 3 year old daughter on why each site is considered a UNESCO site.

    Her current answer is ” I dunnooo “

    1. J. Money August 21, 2019 at 2:46 PM

      Haha… love it.

  136. Tony Vuong August 21, 2019 at 1:59 PM

    If I were to become a millionaire tomorrow. I would sleep in, quit my job and invest my million dollars in a couple of high yielding dividend stocks averaging about 5% and live off the dividends for the rest of my life and reinvest the amount I don’t use each year to provide me with more dividends. Also spend more time with family and friends because time with them is limited in this world.

  137. Zinzi August 21, 2019 at 2:15 PM

    First I would quit like a millionaire and then I would dive into my to do list that I never seem to have enough time for.

  138. Linda August 21, 2019 at 2:37 PM

    Quit work, and try out all my kickstarter ideas. :)

  139. Ann August 21, 2019 at 3:26 PM

    I’d get out for a mid-week hike! I love it when the trails are quiet :)

  140. Dave August 21, 2019 at 5:23 PM

    I’d payoff the house and all other outstanding debt, then hunker down with my cash and wait for the next recession and make some good purchases during it.

  141. Jenelle August 21, 2019 at 5:49 PM

    Take my husband and pups straight the West Coast for a walk on the beach.

  142. Pei San August 21, 2019 at 6:58 PM

    First thing I’ll do is re-renovate my in law house
    House is too old, touch up here n there, buy her a new fridge and tv
    Hopefully she can stay more comfortably

  143. Kyle August 21, 2019 at 7:11 PM

    Rescue all the dogs at the shelter

  144. Lori Goldman August 21, 2019 at 7:33 PM

    I’d donate $200K to a school in Nepal that helps disadvantaged kids from the high Himalayas to get a good education and healthy diet and lifestyle. I’d get a home with a revenue suite and keep working because I love it. I teach remotely so I can travel and still work. First stop, China, to see my students. Then a tour of Vietnam, Laos, Cambodia, and down to Lombok to rest and recover. Stop worrying.

    1. J. Money August 22, 2019 at 1:37 PM

      You live an adventurous life :)

  145. Gary August 21, 2019 at 7:39 PM

    I would still drive to work every day but very slowly! I’d wait till I got to the front of the long coffee line then I’d decide what I want and then ask lots of questions?
    I would slowly cross the street everyday just to get my mail that I would not read then slowly cross the street again on my way home and wave to all the working stiffs stuck in traffic.

  146. Addy August 21, 2019 at 9:06 PM

    The first thing I would do after quitting my job as a millionaire is to move away from the city which is fully of noise and pollution. My family would enjoy so much with living in countryside, where we’ll have slow-paced, close-to-nature life.

  147. Lori Radecki August 21, 2019 at 10:15 PM

    A day at our cottage by the lake with my husband planning the next phase of our lives together, and counting our blessings!!

  148. Jason August 22, 2019 at 8:18 AM

    I would create a legacy project for my family. I would capture the wonderful recipes and stories that I hear from with my mom, dad and other family members while I still can.

    1. J. Money August 22, 2019 at 1:38 PM

      I hope you do that with or without millions!! Such a wonderful thing to pass down through the generations!!

  149. James Cooper August 22, 2019 at 8:45 AM

    Go and visit my mum for a few weeks and figure out how I could help her more financially.

  150. Corinne August 22, 2019 at 10:15 AM

    Take the time to read the backlog of books I’ve been meaning to get to.

  151. Sarah M August 22, 2019 at 10:27 AM

    Finally take a month-long trip to SE Asia (that is currently too much time away from office obligations).

  152. Cal August 22, 2019 at 10:58 AM

    I would buy a house!

  153. Leilani August 22, 2019 at 2:51 PM

    1. Call my mom and tell her to finally retire so we can spend more time together.
    2. Do some slow travel with my hubs.

  154. Becky H August 22, 2019 at 3:21 PM

    1. Turn off *all* of my wake up alarms (it takes a village, ya’ll)
    2. Gather up all the books that have been piling up to be read, and head to the pool with the stack!

  155. Leora August 22, 2019 at 4:42 PM

    Pay off all my debts, max out any possible pretax savings accounts I can, and create an endowment for the nonprofit I started, and start a new nonprofit to help women manage money! And go to business school!

    1. J. Money August 23, 2019 at 4:57 PM

      I like the endowment idea!!! The gift that lasts in perpetuity! :)

  156. Ed Seidl August 22, 2019 at 4:58 PM

    Go fishing, book beach house for next summer, clean the basement

  157. Michelle August 22, 2019 at 5:10 PM

    Spend more time with my husband and travel!!

  158. Steven Austin August 22, 2019 at 7:46 PM

    I’d have to make sure the money was actually there, and once I confirmed that, I’d likely put it in savings until I researched enough and I felt comfortable to make any heavy purchases.

    I have terrible buyer’s remorse…

    1. J. Money August 23, 2019 at 4:59 PM

      Stashing it until you have a good plan is always a safe bet :) I’m constantly recommending people to do that whenever they get an inheritance or other large sums of money… Plus – it’s fun to just look at for a while!!

  159. Stacy August 22, 2019 at 8:38 PM

    First thing I would do? Absolutely nothing…just sit back and relax on the porch with a nice glass of wine, watch the sunset with my husband and us day dream away.

  160. Cathy Edwards August 22, 2019 at 9:24 PM

    Pay for dental work for my extended family, turn off all my alarms and sleep.

  161. Kristen August 22, 2019 at 9:56 PM

    I’d start making my geoarbitrage travel plans the next day. And possibly join the circus as an aerialist. :)

    1. J. Money August 23, 2019 at 5:00 PM


  162. Christina H August 23, 2019 at 12:30 AM

    Hmmm…I guess it would depend on how many millions? :D I love my job so I would probably drop to part time rather than quit, but I would take some time off (maybe a month or so). 1 – pay off all of the credit cards. 2 – plan an awesome trip to Vegas for a week and a trip to a nice deserted beach for a week. 3 – work on the stack of books I’ve been meaning to read. 4 – invest a significant portion and continue living frugally but without the stress of being frugal out of necessity.

  163. may August 23, 2019 at 4:57 AM

    we’d love to take our toddler on a road trip across Canada, so we’d get to see our own country! (where we live)

  164. Tiffany August 23, 2019 at 7:51 AM

    The first thing I’d do would be to take a day to just relax before figuring out what I want to do with the rest of my life. Reflection is always important when making major life changes.

  165. Kevin August 23, 2019 at 8:52 AM

    The first thing I would do is get up at 5 am, stretch to get the blood flowing because I am 45, then head out for my normal 1.5/2 hour morning bike ride and really, really take in the sunrise. Stop at a coffee shop and reflect on how fortunate I am to be able to not work any longer and how I could help others realize this goal.

  166. Crystal August 23, 2019 at 9:53 AM

    I would totally teach sip and sew full time! I am SEW creative but I need this other job to pay my billz!

    1. J. Money August 23, 2019 at 5:01 PM


  167. Debra August 23, 2019 at 10:11 AM

    Although I have been retired for four years, I am working a temporary Census Job to pay off a debt incurred during my husband‘s terminal illness. Once that is paid off I will be able to schedule a travel opportunity for every other month for the rest of my life. My travel bucket list is very long!

    1. J. Money August 23, 2019 at 5:02 PM

      I’m sorry to hear about your husband :(

  168. Kim August 23, 2019 at 11:55 AM

    The first thing I’d do is… sleep in! The best thing about quitting the 9-to-5 is getting up when YOU want to… and I can’t wait to do that!

  169. Lana August 24, 2019 at 5:33 PM

    I would become a full time volunteer for a cause I am passionate about…caring for kids in a Haitian orphanage!

  170. Nichole McKenna August 26, 2019 at 10:59 AM

    I’d pay off my student loans. Which, unfortunately wouldn’t leave me with much. But, I’d lose the golden handcuffs and be able to work on my terms!

  171. J. Money August 26, 2019 at 5:42 PM


    Congrats to MK and Linda (Commenter #118) for being the lucky winners!! Hope it helps you both get to that first million faster! :)