Book Review: Just Keep Buying by Nick Maggiulli

Just Keep Buying by Nick Maggiulli

Author: Nick Maggiulli

Publisher: Harriman House

Release Date: April 12, 2022

Paperback

296 pages

🧠 What It’s Really About

Just Keep Buying is one of the clearest, no-fluff personal finance books of the last few years. Nick Maggiulli doesn’t rely on opinions—he leans hard on data to answer the money questions people actually ask:

Should I pay off debt or invest?
How much should I save?
Am I investing at the wrong time?
Should I even be buying this?

His answer to most things? Keep it simple. Just keep buying.

💡 What Hit Me Hard

• “You save to invest. You don’t invest to save.”
  Saving is your fuel, investing is the engine. Don’t flip them.
• You probably need to save less than you think.
  Based on historical outcomes, small consistent contributions outperform perfection-chasing.
• Buy now > wait for the dip.
  Time in the market beats timing the market. Always.
• Cutting spending has diminishing returns.
  There’s a point where focusing on income has more leverage than more frugality.
• The data wins—even if your emotions disagree.
  This book doesn’t sell fear, hype, or hacks. Just evidence.

👥 Who This Book Is For

• Overthinkers who are stuck between saving and investing
• Skeptics who want research to back up financial decisions
• Millennials and Gen Z getting serious about wealth-building
• People who want a system that works, not a fantasy

✅ What You Can Actually Do With It

• Automate consistent investing—no market watching
• Don’t wait to save “enough” before investing—start now
• Focus more on increasing your income, not endlessly cutting
• Use historical data (not headlines) to guide strategy
• Get over perfectionism—progress compounds

🧾 Final Thoughts

If The Psychology of Money helps you understand why you act the way you do, Just Keep Buying tells you what to actually do about it. It’s modern, evidence-based, and refreshingly hype-free.

Nick Maggiulli writes like a friendly analyst—not a guru. That’s what makes this book so useful: it trusts readers with real data and teaches action without judgment.

Rating: 5/5 ⭐️
✔️ Practical
✔️ Research-backed
✔️ Great for overthinkers and underinvestors
✖️ Less motivational, more technical (depending on taste)