Jonathan DeYoe, CPWA®, AIF®

Author, Speaker, & CEO of Mindful Money

Jonathan DeYoe is a Financial Advisor and the CEO of Mindful Money, a comprehensive financial planning and retirement income planning service based in Berkeley, California. With over 25 years of financial advising experience, Jonathan is a speaker and the best-selling author of "Mindful Money: Simple Practices for Reaching Your Financial Goals and Increasing Your Happiness Dividend." Jonathan holds a BA in Philosophy and Religious Studies from Montana State University-Bozeman. He studied Financial Analysis at the CFA Institute and earned his Certified Private Wealth Advisor (CPWA®) designation from The Investments & Wealth Institute. He also earned his Accredited Investment Fiduciary (AIF®) credential from Fi360. Jonathan has been featured in the New York Times, the Wall Street Journal, Money Tips, Mindful Magazine, and Business Insider among others.

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Forum Comments (2)

How do I even start saving for a house
When it comes to saving, start small. Save when you can. My mom had a coffee can that she put $1 in when she could. The first question to ask yourself is, can I find room by reducing expenses? There are places where you can get less expensive groceries. By thrifting you can find ways to reduce expenses. This works in almost any metropolitan area, including D.C. If I can't find room by reducing expenses, how do I increase my income, either at the current job, or maybe to a different job? How do I advocate for myself? Because savings isn't something you have a choice to do. It's something you have to do eventually. Personally, I didn't actually start saving a lot until I was in my 40s.

There may be specific, county-wide or citywide programs that will help you save money on specific things like buying a home. When I bought my first condo in Emeryville, in California, they had a first time buyers program which enabled me to put down 3% on the purchase. They gave me a second loan that let me do that, and it enabled me to buy my first condo. So wherever you are, there's probably programs like that that would help you save money.
What are some fast ways to make easy money?
There are something like 50 different companies in business today that will hire basically anybody to deliver things. Amazon is the big one, but there are also companies like Factor, GoPuff, or Spark that are always hiring gig workers.

But beyond that, don’t just think about adding income—think about cutting expenses. If you’re saving for something or trying to pay a debt off, cutting back on how much you spend can be a huge boon.

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