Treach

Ashburn

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I’m the host of Netflix’s “How to Get Rich” & wrote the NYT bestseller, “I Will Teach You To Be Rich”

I believe you can spend extravagantly on the things you love as long as you cut costs mercilessly on the things you don’t.

Hit subscribe for my weekly show on couples & money — real numbers, real talk, from behind closed doors.


I Will Teach You To Be Rich

The real truth is that don’t buy a house that you can’t afford.

He left out one thing.  As a home owner, you don&#39;t have to deal with a landlord.

He left out one thing.  As a home owner, you don't have to deal with a landlord.

I&#39;m tired of people thinking of housing as an investment. Housing is meant to shelter people. Its a necessity, not an investment. You dont get rich from buying a house. You want to get rich? Own a business, create something new, sell your genius idea, invest in other people/companies that do well.

I'm tired of people thinking of housing as an investment. Housing is meant to shelter people. Its a necessity, not an investment. You dont get rich from buying a house. You want to get rich? Own a business, create something new, sell your genius idea, invest in other people/companies that do well.

Bought AMS120X at 1$, I will keep it until 2025 when it reach 250$

I bought my first house in 1998 for $120k at 8% interest. My total house payment with mortgage, property taxes, and rent was just under $1100. When the rates got low I refinanced at 15 years and now it’s paid off. Rent in my area is now $2000-$2500/month for a two bedroom with no garage. Buying was definitely the right choice for me

Mortgage free and I love my house. As a multimillionaire, Ramit doesn’t have to put up with noisy neighbors, cigarette smoke seeping through the walls, etc. Most of us can’t afford bougie rental properties. I’d rather own a home I can call my own.

I am a single mom with two children. The security of owning my own home became VITAL after going through the trauma of landlords when I was retrenched twice.  1st time was due to the Canadian gvt (Harper gvt) retrenchments and the 2nd time due to covid.  Landlords can treat you like trash when you&#39;re down and out and have nowhere to turn.  I have also lived in rentals where landlords do not maintain their properties and you must either take it or leave it.  I am the kind of tenant who will create a beautiful garden (my passion) and keep the home in as good a condition as possible because I live there and my friends and family visit however, a lot of landlords don&#39;t believe in investing in maintainance because they say the next tenant will destroy the property.  Renting when you don&#39;t have millions to back you can be the most toxic, traumatising, soul destroying lifestyle for you and your children.  Definitely not for the faint hearted.

I am a single mom with two children. The security of owning my own home became VITAL after going through the trauma of landlords when I was retrenched twice.  1st time was due to the Canadian gvt (Harper gvt) retrenchments and the 2nd time due to covid.  Landlords can treat you like trash when you're down and out and have nowhere to turn.  I have also lived in rentals where landlords do not maintain their properties and you must either take it or leave it.  I am the kind of tenant who will create a beautiful garden (my passion) and keep the home in as good a condition as possible because I live there and my friends and family visit however, a lot of landlords don't believe in investing in maintainance because they say the next tenant will destroy the property.  Renting when you don't have millions to back you can be the most toxic, traumatising, soul destroying lifestyle for you and your children.  Definitely not for the faint hearted.

Have rented most of my life, invested heavily in markets, lived in 8 countries, never been tied down until more recently. Could buy a house with cash but choose not to. The life experiences enjoyed to date would never have happened had I tied myself to property ownership from the get go. If you know you&#39;re going to stay in the same place until you retire / die, probably makes sense to buy. Otherwise...

Have rented most of my life, invested heavily in markets, lived in 8 countries, never been tied down until more recently. Could buy a house with cash but choose not to. The life experiences enjoyed to date would never have happened had I tied myself to property ownership from the get go. If you know you're going to stay in the same place until you retire / die, probably makes sense to buy. Otherwise...

I&#39;ve rented all my life, we bought a home 6 years ago and it&#39;s one of the best thing I&#39;ve done for my family. We bought in a nice neighborhood and the value has gone up over 90k in that short time. I&#39;m not saying it&#39;s for everyone, but the freedom from landlords feels great to us.

I've rented all my life, we bought a home 6 years ago and it's one of the best thing I've done for my family. We bought in a nice neighborhood and the value has gone up over 90k in that short time. I'm not saying it's for everyone, but the freedom from landlords feels great to us.

I&#39;ll say this: it depends on where you are located. I&#39;m in Indiana. Bought my house in 2017 for 150k. It&#39;s worth 300k now. My rate is 2.25%. Monthly payment is $1080. 3bd 2.5 bath 2000sq ft.  Combined household income is around 150k currently. I&#39;ll just say I&#39;m happy I have a house. I know its hard for many, many people in other states.

I'll say this: it depends on where you are located. I'm in Indiana. Bought my house in 2017 for 150k. It's worth 300k now. My rate is 2.25%. Monthly payment is $1080. 3bd 2.5 bath 2000sq ft.  Combined household income is around 150k currently. I'll just say I'm happy I have a house. I know its hard for many, many people in other states.

I watched this video for about 4 days straight and just negotiated my salary today for a position at petroleum company from $78k to $97.5k, and more vacation time. I wrote down word for word, memorized it, and used it almost systematically... Amazing.

Ramit, I was fed up in my job and underpaid. I followed this video, almost word for word and negotiated myself a £7000 ($11000) pay increase. You cannot imagine the financial stresses this has lifted from my shoulders. Thank you

I used this word for word and the recruiters didn’t even respond back 😂😂😂. But 7 days later I got a revised offer letter with more money, a signing bonus and bonus compensation. I’ll probably make an extra 10-12K. Thanks Ramit!

As a hiring manager I have interviewed about 100 people in the last year. Only ONE person of those 100 negotiated their salary and got a much better offer from the company owner. This stuff works!

It worked - GOT THE RAISE - $9,500 yearly increase approved. Thanks!

Quick points Say thank you for the offer. Do a thorough research about salary ranges. Say I&#39;m super excited.etcetc Reveal your interest and promise to deliver successfully the same way as you have already done in the past company. Say why it&#39;s an investment and not an expense. ( Prove it, give examples etc) Understand the hiring managers limitations. Work on it together. Don&#39;t get adversarial, but give him power instead, take permission to discuss other matters. Respect opinions and decisions. And my 2 cents: first know your worth and potential, be ready to perform and play your role better than anyone there.

Quick points
Say thank you for the offer. 

Do a thorough research about salary ranges.

Say I'm super excited.etcetc

Reveal your interest and promise to deliver successfully the same way as you have already done in the past company.

Say why it's an investment and not an expense. ( Prove it, give examples etc)

Understand the hiring managers limitations.

Work on it together.

Don't get adversarial, but give him power instead, take permission to discuss other matters. Respect opinions and decisions.

And my 2 cents: first know your worth and potential, be ready to perform and play your role better than anyone there.

Hey, Ramit. I read your negotiation pdf, saw this whole Negotiation playlist, then taught my friend how to negotiate her new job offer a day before her interview. She got a 47% raise from starting offer, 21 days PTO, and 401k. So thank you so much. You don’t know how happy she was today. I’m next :)

Just followed this and 10 minutes later and I got $3k+ another 5 days paid vacation - thanks! And on top of that it was a friendly and positive conversation which didn&#39;t damage my relationship with the line manager.

Just followed this and 10 minutes later and I got $3k+ another 5 days paid vacation - thanks!

And on top of that it was a friendly and positive conversation which didn't damage my relationship with the line manager.

as long as you come off as a reasonable person and you believe in your self-worth, it is always worth a shot. I think you will be appreciated more because it shows you are a confident person and worth the potential investment. 

I re-watched your videos a couple days before I had my 2nd year review although I have been following you for a few years now. This was my first time asking, I got a $15,000 yearly salary increase. Thank you. Anyone watching these videos, you can do it too!

I watched this video about 20 times before asking for a raise, I just want to say Thank you! I got a 25% raise 👍🏼

After watching this Video, I used this technique at the end of my performance review. I asked for a 20% pay raise because I&#39;m underpaid while being a high performer. Director and manager laughed at me and asked if I&#39;m really serious about this, and I said yes. Next month I got a 16% pay raise and an average bonus. Better than nothing. Thanks for this video !

After watching this Video, I used this technique at the end of my performance review.
I asked for a 20% pay raise because I'm underpaid while being a high performer.
Director and manager laughed at me and asked if I'm really serious about this, and I said yes.
Next month I got a 16% pay raise and an average bonus.
Better than nothing.
Thanks for this video !

I negotiated a 35% salary adjustment. Thank you thank you thank you

This video was super helpful. Followed your advice and got a 25% increase. Can’t thank you enough! Do the work, stay positive, advocate for what you are worth and good things can happen!

This got me a 25% raise- thanks so much- saw you on Ground Up podcast and this stuck with me years later. Revisited it this month and was able to increase my raise to start hitting my financial goals :)

Haha, basically everyone. Everyone is underpaid. So on point, love it. ❤️

Excellent framework. Non defensive, data driven, and collaborative.

I always knew I was underpaid but didn&#39;t care cause it was my first job and didn&#39;t have any relevant experience. But now it&#39;s been a year. Thank you so much man. I will do my research and have a proper proposal. I will let y&#39;all know how it goes.

I always knew I was underpaid but didn't care cause it was my first job and didn't have any relevant experience. But now it's been a year. Thank you so much man. I will do my research and have a proper proposal. I will let y'all know how it goes.

Thanks for this video. I&#39;ll try this technique. I love my job but it&#39;s hard sometimes to get motivated when you know you are underpaid. It feels unfair and its frustrating

Thanks for this video. I'll try this technique. I love my job but it's hard sometimes to get motivated when you know you are underpaid. It feels unfair and its frustrating

Watch These To Get Rich

Clips

Imagine listening in on these raw, unfiltered conversations with real couples… One partner is in $300,000 in debt, but shrugs it off. The other cries at night, anxious about the future. A couple that’s so worried about money, they never feel they’ll have enough. When they eat out, they order chicken instead of steak to save $10. Their household income: $600,000. Two parents who feel overwhelmed by work, kids, and debt. When I ask them how they’d describe their lives, they instantly say the same word: “Stuck.”

Ramit Sethi asks the questions we wish we all could ask, presenting a totally different philosophy on money:
• Spend extravagantly on the things you love, as long as you cut costs mercilessly on the things you don’t.
• Ask $30,000 questions, not $3 questions.
• A Rich Life is more than math -- it’s mastering your money psychology.

From the author of the bestselling book, ‘I Will Teach You To Be Rich,’ learn how money psychology affects these couples… and how to create your own Rich Life.

*About these Fireside Chats* With so many of us stuck at home for the forseeable future, I wanted to help. The best way I know how is to teach. I know money, business, careers, and psychology, so tonight – and every night until this is over – I'll be sharing what I know and answering your questions. Please join me every night and send me your questions via email or IG (@ramit). New topics tonight, and every night. 8:30pm Eastern on my Instagram account, then posted here afterwards. To learn more about working from home, creating a flexible schedule, and earning more, sign up here: https://iwt.com/earn

Fireside Chats during Coronavirus

Behavior Change

http://zerotolaunchsystem.com/
Learn my step-by-step system for starting a successful online business: Zero to Launch.

Zero to Launch - Starting a Successful Online Business

http://www.ramitsbraintrust.com 
Tap into Ramit Sethi's powerful network and learn what makes the most successful, productive, energetic, and happy people tick...and how you can use that to improve your life.

Ramit's Brain Trust

Freelancing Tips

Personal Finance

Playlist of videos on improving your social skills. Learn common social miscues and watch video teardowns of people improving their sociability.

Social Skills

These videos will show you how to get a job you love, no matter what the economy is doing.

How to Get Your Dream Job

Top videos about negotiating a job offer, a raise, salary or a promotion. Download the free Ultimate Guide to Salary Negotiation: http://tinyurl.com/ultimate-guide-negotiation

Salary Negotiation

Some reader questions that I answered about finding a Dream Job and lots more. All of the questions are taken from comments on my how to become world-class at finding your dream job post: http://www.iwillteachyoutoberich.com/blog/how-to-become-world-class-at-finding-your-dream-job/

Ask Ramit

Testimonials

Webcast I did alongside Tim Ferriss - http://fourhourworkweek.com/blog/

Tim Ferriss

Press Videos

Buy a house or rent? In this video, I'll show you why as a millionaire I don't own or invest in property.

Get my free 3-Step House Guide to decide if buying a house is the right decision for your Rich Life: https://iwt.com/houseguide-youtube 

Ramit Sethi is the host of Netflix's "How To Get Rich" and New York Times bestselling author of "I Will Teach You To Be Rich"

Find Ramit on Instagram: https://www.instagram.com/ramit/

Why I Don’t Own A House as a Multi-Millionaire…

►For more information, check out my PROVEN program that walks you through the entire salary negotiation process – step-by-step and word-by-word – so you can boost your salary by thousands of dollars: https://go.iwillteachyoutoberich.com/nostressnegotiation/?_pt=D&_psy=2019&_psm=02&utm_campaign=d-nsn-201902&utm_content=d-htta-201902-salesyoutube2

This video is an excerpt of a full interview I made with my friend Justin, who is a master at negotiation.  In 5 minutes, we show you how to negotiate a salary offer for 5K, 8K, 10K or more. It's a SERIOUS piece, and it has SERIOUS results.

Subscribe to my Youtube channel for more: http://bit.ly/1Kv3gqB

0:28 How to politely respond to a low salary offer 
2:52 Negotiating beyond the salary
5:05 How to prepare for negotiation
7:37 How to take the awkwardness out of negotiation 
11:44 How to respond if you're not getting anywhere in the negotiation
12:23 What to say if you have other offers

Check out our Salary Negotiation playlist: http://tinyurl.com/salary-negotiation-playlist

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How to Negotiate Your Salary, with Ramit Sethi

►For more information, check out my PROVEN program that walks you through the entire salary negotiation process – step-by-step and word-by-word – so you can boost your salary by thousands of dollars: https://go.iwillteachyoutoberich.com/nostressnegotiation/?_pt=D&_psy=2019&_psm=02&utm_campaign=d-nsn-201902&utm_content=d-htta-201902-salesyoutube3

Are you getting paid what you're worth? In this video, I'm showing you how to figure out what you should be getting paid, and if it's too low, what you can do to negotiate a higher salary. | For more information, check out my free Ultimate Guide to Salary Negotiation: http://www.iwillteachyoutoberich.com/guides/ultimate-guide-to-asking-for-a-raise-and-negotiating-salary/?utm_source=youtube&utm_medium=social&utm_campaign=

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How to Negotiate Your Salary If You're Underpaid, with Ramit Sethi

Ramit Sethi of I Will Teach You To Be Rich talks to Nate and Serena who are in their late 20s. They are engaged and live together, but a vast difference in their incomes creates an awkward dynamic when it comes to paying for shared expenses. They think their hot-button issue is a $3,000 loan between them. It’s a lot deeper than that.

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If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here: https://forms.gle/pjYMaLeThJM3z9uN6

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“I earn 2x my fiancé, but I make him split rent”

Ramit Sethi of I Will Teach You To Be Rich talks to Kristine, 32 and Thomas, 35. They’re raising three children in the Midwest. They love their jobs, are happy with their incomes, and just upgraded to a third, much larger, home. Everything is good–except that they’re going broke. With astronomical fixed costs, something’s got to give.

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Can’t-miss moments:
00:00:00 — 1: Opening
00:02:07 — 2: Kristine explains her stressful daily money routine
00:09:09 — 3: Thomas doesn't want to talk about money. Ever.
00:13:55 — 4: Ramit notices some obvious clues
00:19:54 — 5: Ramit breaks down their numbers
00:21:19 — 6: They're spending 98% of what they make
00:27:49 — 7: What to look out for when buying a car
00:33:11 — 8: What money lessons did they learn growing up?
00:37:53 — 9: Ramit points out the elephant in the room
00:44:59 — 10: Should they give up the Jeep?
00:49:58 — 11: Ramit tells them, "I would be scared"
00:51:39 — 12: Ramit just discovered they're being robbed
00:56:15 — 13: The wrong way to look at "managing money"
01:03:32 — 14: How much will they have at retirement if they keep going on like this?
01:10:46 — 15: How will they get their fixed costs down?

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If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here: https://forms.gle/pjYMaLeThJM3z9uN6

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“We spend 98% of what we make & refuse to change”

Ramit Sethi of I Will Teach You To Be Rich talks to Alex and Courtney who are in their 30s. They live in Southern California and come from completely different money backgrounds. Their numbers reveal a stark truth; fixed costs are sinking their finances. They're only months from going bankrupt. Can Courtney come to terms with their reality?

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Can’t-miss moments:
00:00:00 — 1: Opening
00:04:23 — 2: Arguing over the grocery bill 
00:10:47 — 3: Why their expenses went up so drastically
00:12:30 — 4: The strange tactic Courtney uses when reporting the numbers 
00:14:28 — 5. Courtney gets emotional about spending money on their wedding
00:20:21 — 6: “Are you bad with money?” Courtney’s surprising answer 
00:23:41 — 7: Alex’s journey from homelessness and drugs to sobriety
00:37:06 — 8: Courtney has cut her spending way back!
00:38:09 — 9: Alex reveals his garage full of motorcycles 
00:43:48 — 10: What Ramit thinks is missing 
00:49:35 — 11: They’re about to run out of money. How can they fix this now?

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If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here: https://forms.gle/pjYMaLeThJM3z9uN6

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“We’re 2 months from going bankrupt, but I pretend things are fine”

The car you drive can absolutely destroy your chance at building true wealth. But it doesn’t have to be this way — I’ll show you what to do instead.

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LINKS MENTIONED IN THIS VIDEO
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🚗 Use this service before negotiating: https://fightingchance.com/ 

Ramit Sethi is the host of Netflix’s “How To Get Rich” and New York Times bestselling author of “I Will Teach You To Be Rich”

Find Ramit on Instagram: https://www.instagram.com/ramit/ 
Subscribe so you don’t miss any of Ramit’s videos: https://youtube.com/user/ramitsethi/featured/

Why Is No One Talking About America’s Wealth Killer?

Ramit Sethi of I Will Teach You To Be Rich talks to Jeff, 50, a specialized surgeon, and Susan, 48, who stays at home with their two kids. Their discretionary spending has grown over the years, ballooning at an uncontrollable rate. But their biggest issue is that they’re being taken advantage of by a percentage-based financial advisor. 

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🤔 5 WAYS WE PLAY SMALL WITH MONEY
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“We make $665k a year and still feel BROKE”

Ramit Sethi of I Will Teach You To Be Rich talks to Natalie and Travis who are in their 40s, living in SoCal with their four kids. Travis is a career military man, imprinting him with some pretty understandable tendencies toward conservatism with money. He’s saved and invested heavily for decades, but it’s left him without the muscle memory to enjoy what he’s built.

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🙌 GET HELP FROM RAMIT SETHI
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Can’t-miss moments:
00:00:00 — 1: Opening
00:02:54 — 2: Travis assumes Natalie went over budget for their son's birthday
00:05:59 — 3: They both guilty about everything they spend
00:13:33 — 4: They both guilty about everything they spend
00:20:16 — 5: Watch Ramit's surprise when he sees their numbers
00:23:44 — 6: Their numbers are good. Why don't they have enough to spend?
00:24:24 — 7: Their fixed costs are almost 100% of their take home pay?
00:25:38 — 8: "How can we succeed if our plan is a failure?"
00:29:59 — 9: Why they're always worried about saving enough 
00:36:21 — 10: Travis shares his amazing vision of his Rich Life
00:38:49 — 11: What money lessons are their 4 kids learning from them?
00:43:00 — 12: “When does the grind stop?”
00:51:00 — 13: Could they be oversaving?
00:54:29 — 13: Where are they now? Travis and Natalie's follow-up

—

If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here: https://forms.gle/pjYMaLeThJM3z9uN6

Produced by Crate Media.

“We own 7 properties. Why can't we pay for groceries?”

In this video I share my personal 10 money rules, why they’re important to me and how I decided on each one.

You can find a list of my 10 money rules here: https://twitter.com/ramit/status/1127252972126330880?lang=en

These are MY money rules- and I encourage you to create your own. Leave a comment below with yours!

*WHAT ARE THESE FIRESIDE CHATS ABOUT?*
With so many of us stuck at home for the foreseeable future, I wanted to help. 

The best way I know how is to teach. 

I know money, business, careers, and psychology, so tonight – and every night until this is over – I'll be sharing what I know and answering your questions. 

Please join me Monday-Friday at 8:30 pm EST on IG Live (@ramit), with new topics every night during the week.

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#financialadvice #financialtips

Personal Finance: 10 Money Rules From Ramit Sethi

Ramit Sethi of I Will Teach You To Be Rich talks to Sarah and Kevin who are 38 and 42. They sold their home to pay off $130k in debt, only to dig themselves another $55k hole, six months later. Sarah is worried that if she doesn’t stop her credit card spending, Kevin will ask for a divorce. We need two episodes to untangle their complicated situation.

—

🚨 GET RAMIT SETHI’S WEEKLY MONEY NEWSLETTER
* I share news ways to think about money every Saturday. Get the emails here: https://iwt.com/podcastnewsletter-yt 

🙌 GET HELP FROM RAMIT SETHI
* Take control of your money with the Conscious Spending Plan: https://iwt.com/csp-youtube 
* Optimize your credit cards with the 1st chapter of my book: https://iwt.com/chapter1-youtube 
* Join my Money Coaching program for monthly help: https://iwt.com/moneycoaching-youtube 

🤳 CONNECT WITH RAMIT SETHI
* Instagram: https://www.instagram.com/ramit/ 
* X: https://twitter.com/ramit 
* LinkedIn: https://www.linkedin.com/in/ramitsethi/  

✅ SUBSCRIBE SO YOU DON’T MISS ANY EPISODES
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—

Can’t-miss moments:
00:00:00 — 1: Opening
00:04:15 — 2: The last time they fought about money 
00:05:56 — 3: Is their credit card spending out of control?
00:11:20 — 4: Why can’t they agree on a plan? 
00:15:45 — 5: The surprising way Sarah’s parents handled money 
00:23:40 — 6: The weird way they split costs 
00:27:48 — 7: Ramit is stunned: How they went from $0 to $50k in debt in 6 months
00:32:00 — 8: The moment they realize they spent $72,000 in 6 months 
00:34:55 — 9: Sarah tells herself “it’s all my fault.” 
00:40:02 — 10: The Numbers: What’s in their Conscious Spending Plan 
00:47:00 — 11: Ramit asks “WTF is going on here?”
00:49:00 — 12: Ramit’s mind is blown: a $55k secret expense is revealed 

—

If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here: https://forms.gle/pjYMaLeThJM3z9uN6

Produced by Crate Media.

“$50k credit card debt. Will he ask for a divorce?”

Your first $1,000 can pave the way to your financial success. In this video, I'll walk you through my 3-step process not just to save more money, but also to start growing your savings immediately.

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LINKS MENTIONED IN THIS VIDEO
💸 Conscious Spending Template: https://iwt.com/csp-youtube    

Ramit Sethi is the host of Netflix’s “How To Get Rich” and New York Times bestselling author of “I Will Teach You To Be Rich”

Find Ramit on Instagram: https://www.instagram.com/ramit/ 
Subscribe so you don’t miss any of Ramit’s videos: https://youtube.com/user/ramitsethi/featured/

Saved $1,000? Do THIS Right Away!

Ramit Sethi of I Will Teach You To Be Rich talks to Tommy and Caroline. Tommy is 60 and he’s run his own business for more than 30 years. He loves his work and doesn’t plan to stop. Caroline, his wife, is 56 and is retiring from a stressful job in a few months. Together, they’ve amassed over $6M. She’s ready to spend it but Tommy can’t stop saving and investing.

—

🚨 GET RAMIT SETHI’S WEEKLY MONEY NEWSLETTER
* I share news ways to think about money every Saturday. Get the emails here: https://iwt.com/podcastnewsletter-yt 

🙌 GET HELP FROM RAMIT SETHI
* Take control of your money with the Conscious Spending Plan: https://iwt.com/csp-youtube 
* Optimize your credit cards with the 1st chapter of my book: https://iwt.com/chapter1-youtube 
* Join my Money Coaching program for monthly help: https://iwt.com/moneycoaching-youtube 
* Break the shackles of your job, calendar, and 9-to-5 income with Earnable: https://iwt.com/earnable 

🤳 CONNECT WITH RAMIT SETHI
* Instagram: https://www.instagram.com/ramit/ 
* X: https://twitter.com/ramit 
* LinkedIn: https://www.linkedin.com/in/ramitsethi/  

✅ SUBSCRIBE SO YOU DON’T MISS ANY EPISODES
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—

Can’t-miss moments:
00:00:00 — Opening
00:09:36 — 1: Caroline calls Tommy “cheap” 
00:13:25 — 2: Tommy’s original question from Ramit’s Money Coaching program 
00:26:08 — 3: Tommy’s can’t-miss facial expressions 
00:36:18— 4: Can Tommy change his mindset?
00:49:40 — 5: What to do when you’ve made enough money
00:56:14 — 6: They don’t know their income
01:08:32 — 7: Tommy thinks “Rich Life = soft” 
01:16:35 — 8: They finally start planning their vacation

—

If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here: https://forms.gle/pjYMaLeThJM3z9uN6

Produced by Crate Media.

“We have $6.3 million. Why can’t we take a vacation?”

Ramit Sethi of I Will Teach You To Be Rich talks to Jack and Christina, both 33 and born in Russia. With two young kids, they’re looking ahead to number three and to buying a home. But they have $0 in savings, too many expensive vacations, and $87,500 in credit card debt that they can only afford minimum payments on right now. Christina’s income as a doctor triples soon, can it solve everything?

—

🚨 GET RAMIT SETHI’S WEEKLY MONEY NEWSLETTER
* I share news ways to think about money every Saturday. Get the emails here: https://iwt.com/podcastnewsletter-yt 

🙌 GET HELP FROM RAMIT SETHI
* Take control of your money with the Conscious Spending Plan: https://iwt.com/csp-youtube 
* Optimize your credit cards with the 1st chapter of my book: https://iwt.com/chapter1-youtube 
* Join my Money Coaching program for monthly help: https://iwt.com/moneycoaching-youtube 

🤳 CONNECT WITH RAMIT SETHI
* Instagram: https://www.instagram.com/ramit/ 
* X: https://twitter.com/ramit 
* LinkedIn: https://www.linkedin.com/in/ramitsethi/  

✅SUBSCRIBE SO YOU DON’T MISS ANY EPISODES
youtube.com/user/ramitsethi/featured/ 

—

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—

Can’t-miss moments
00:00:00 — 1: Opening
00:02:23 — 2: The moment Christina realized they might not have a place to live
00:07:35 — 3: The Hawaii trip they're still paying for
00:18:33 — 4: How much is Christina going to start making as an oncologist?
00:23:43 — 5: What does "six figures" actually mean?
00:26:26 — 6: Ramit reveals what Jack wrote on their application
00:28:23 — 7: Ramit breaks down their numbers
00:32:14 — 8: The single thing you need to do if you have credit card debt
00:43:30 — 9: It's really hard to go down in spending
00:53:33 — 10: Ramit breaks down what's really going on
00:58:55 — 11: Jack and Christina's follow-ups

—

If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here: https://forms.gle/pjYMaLeThJM3z9uN6

Produced by Crate Media.

"I make $300k but we might have to live in our car"

Ramit Sethi of I Will Teach You To Be Rich talks to Sarah and Kevin. In part two of our revealing conversation, we offer solutions for their serious debt accumulation problem and grapple with the hard truth about their biggest non-negotiable expense: $55k a year for their three daughters’ private school tuition.

—

🚨 GET RAMIT SETHI’S WEEKLY MONEY NEWSLETTER
* I share news ways to think about money every Saturday. Get the emails here: https://iwt.com/podcastnewsletter-yt 

🙌 GET HELP FROM RAMIT SETHI
* Take control of your money with the Conscious Spending Plan: https://iwt.com/csp-youtube 
* Optimize your credit cards with the 1st chapter of my book: https://iwt.com/chapter1-youtube 
* Join my Money Coaching program for monthly help: https://iwt.com/moneycoaching-youtube 
* Break the shackles of your job, calendar, and 9-to-5 income with Earnable: https://iwt.com/earnable 

🤳 CONNECT WITH RAMIT SETHI
* Instagram: https://www.instagram.com/ramit/ 
* X: https://twitter.com/ramit 
* LinkedIn: https://www.linkedin.com/in/ramitsethi/  

✅ SUBSCRIBE SO YOU DON’T MISS ANY EPISODES
https://youtube.com/user/ramitsethi/featured/ 
 
—

This episode is brought to you by:
LMNT | Right now LMNT is offering my listeners a free sample pack with any purchase, that’s 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors or share LMNT with a salty friend. Get yours at https://DrinkLMNT.com/RAMIT.

—

Can’t-miss moments:
00:00:00 — 1: Opening
00:02:43 — 2: Ramit’s mind is blown by their $55,000 private school expense
00:06:11 — 3: Sarah realizes she has to make a big sacrifice
00:13:37 — 4: Sarah gets emotional about building their dream house
00:14:15 — 5: The moment Ramit tells them they can’t afford the house 
00:20:50 — 6: “You’re watching your dreams get calculated away”
00:21:47 — 6: Their fixed-costs are 151% of their take-home pay!
00:26:33 — 7: Can they afford their kids’ activities? 
00:32:00 — 8: Ramit gets their fixed costs down from 151% to 76% in one move
00:36:40 — 10: Sarah reveals she can immediately cut $36,000 in business expenses
00:42:40 — 11: Say goodbye to the Tesla
00:48:22 — 12: Ramit is shocked to learn the kids are already in $55,000 private school 
00:56:22 — 13: “Is it worth it?” 
01:03:57 — 14: Where are they now? Sarah and Kevin ghosted Ramit 

—

If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here: https://forms.gle/pjYMaLeThJM3z9uN6

Produced by Crate Media.

“We’re broke paying for $55k private school tuition”

Ramit Sethi of I Will Teach You To Be Rich talks to Caleb and Alex, both 27. They have one young child and foster two sisters, both of whom they intend to adopt soon. As children themselves, Caleb and Alex were immersed in missionary work in South America—an influence that colors how they see, feel, and act with money.
 
—

💡 RAMIT’S PODCAST NEWSLETTER
* I share new ways to think about money every Saturday. Get the emails here:  https://iwt.com/podcastnewsletter-yt   

🙌 GET HELP FROM RAMIT SETHI
* Take control of your money with the Conscious Spending Plan: https://iwt.com/csp-youtube 
* Optimize your credit cards with the 1st chapter of my book: https://iwt.com/chapter1-youtube 
* Join my Money Coaching program for monthly help: https://iwt.com/moneycoaching-youtube 
* Listen to my book—now on Audible: https://amzn.to/48zko28

🤳 CONNECT WITH RAMIT SETHI
* Instagram: https://www.instagram.com/ramit/ 
* X: https://twitter.com/ramit 

✅ SUBSCRIBE SO YOU DON’T MISS ANY EPISODES
https://youtube.com/user/ramitsethi/featured/ 
 
—

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LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT.

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Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit.

—

If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here: https://iwt.com/apply

Produced by Crate Media.

“How can we raise 3 kids if she only makes $15k?”

Sometimes it’s not about what you start doing when you have money, it’s about what you STOP doing. In this video, I’ll share 9 things I stopped doing once I became a Multi-Millionaire. 

➡️ Hostinger | Build your next website in minutes with Hostinger’s AI Website Builder. Get 10% off with code RAMITSETHI when you sign up at http://hostinger.com/RamitSethi 

LINKS MENTIONED IN THIS VIDEO
📙 Get the 1st chapter of my book, free: https://iwt.com/chapter1-youtube 

Ramit Sethi is the host of Netflix’s “How To Get Rich” and New York Times bestselling author of “I Will Teach You To Be Rich”

Find Ramit on Instagram: https://www.instagram.com/ramit/ 
Subscribe so you don’t miss any of Ramit’s videos: https://youtube.com/user/ramitsethi/featured/

9 Things I Stopped Doing Once I Became a Millionaire

Ramit Sethi of I Will Teach You To Be Rich talks to Rob and Adrienne, 62 and 59. They are nearing retirement but worried about having enough. In Part 2, we dig into their Conscious Spending Plan to reveal a massively successful investment strategy that remains shrouded by deep lingering fears, $3 questions, and hard-to-break bad habits with money.

Watch Part 1 with Adrienne and Rob: https://www.youtube.com/watch?v=6uF06-cUIoI

💡 RAMIT’S PODCAST NEWSLETTER
* I share new ways to think about money every Saturday. Get the emails here:  https://iwt.com/podcastnewsletter-yt   

🙌 GET HELP FROM RAMIT SETHI
* Take control of your money with the Conscious Spending Plan: https://iwt.com/csp-youtube 
* Optimize your credit cards with the 1st chapter of my book: https://iwt.com/chapter1-youtube 
* Join my Money Coaching program for monthly help: https://iwt.com/moneycoaching-youtube 
* Listen to my book—now on Audible: https://amzn.to/48zko28

🤳 CONNECT WITH RAMIT SETHI
* Instagram: https://www.instagram.com/ramit/ 
* X: https://twitter.com/ramit 

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If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here: https://iwt.com/apply

Produced by Crate Media.

“We have $2M…Why can’t we retire?”

Men Make This Money Mistake in Relationships See the FULL story on YouTube: youtube.com/RamitSethi

Men make this money mistake in relationships.  See the FULL story on YouTubeyoutube.com/RamitSethi

Yes, you CAN retire as a Multi-Millionaire. I’m going to break down my 7-step retirement playbook so that you can retire richer than you could have ever imagined.

THIS VIDEO IS BROUGHT TO YOU BY
➡️ Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at http://facet.com/ramit 

LINKS MENTIONED IN THIS VIDEO
📙 Get the 1st chapter of my book, free: https://iwt.com/chapter1-youtube 

Ramit Sethi is the host of Netflix’s “How To Get Rich” and New York Times bestselling author of “I Will Teach You To Be Rich”

Find Ramit on Instagram: https://www.instagram.com/ramit/ 
Subscribe so you don’t miss any of Ramit’s videos: https://youtube.com/user/ramitsethi/featured/

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