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Workman

I Will Teach You to Be Rich: No Guilt. No Excuses. Just a 6-Week Program That Works (Second Edition)

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Description

As seen on the new NETFLIX series! The groundbreaking NEW YORK TIMES and WALL STREET JOURNAL BESTSELLER that taught a generation how to earn more, save more, and live a rich life—now in a revised 2nd edition. Buy as many lattes as you want. Choose the right accounts and investments so your money grows for you—automatically. Best of all, spend guilt-free on the things you love. Personal finance expert Ramit Sethi has been called a “wealth wizard” by Forbes and the “new guru on the block” by Fortune. Now he’s updated and expanded his modern money classic for a new age, delivering a simple, powerful, no-BS 6-week program that just works. I Will Teach You to Be Rich will show you: • How to crush your debt and student loans faster than you thought possible • How to set up no-fee, high-interest bank accounts that won’t gouge you for every penny • How Ramit automates his finances so his money goes exactly where he wants it to—and how you can do it too • How to talk your way out of late fees (with word-for-word scripts) • How to save hundreds or even thousands per month (and still buy what you love) • A set-it- and-forget-it investment strategy that’s dead simple and beats financial advisors at their own game • How to handle buying a car or a house, paying for a wedding, having kids, and other big expenses—stress free • The exact words to use to negotiate a big raise at work Plus, this 10th anniversary edition features over 80 new pages, including: • New tools • New insights on money and psychology • Amazing stories of how previous readers used the book to create their rich lives Master your money—and then get on with your life. Read more

Publisher ‏ : ‎ Workman Publishing Company; Revised edition (May 14, 2019)


Language ‏ : ‎ English


Paperback ‏ : ‎ 352 pages


ISBN-10 ‏ : ‎ 1523505745


ISBN-13 ‏ : ‎ 46


Item Weight ‏ : ‎ 1.04 pounds


Dimensions ‏ : ‎ 6 x 0.75 x 9 inches


Best Sellers Rank: #210 in Books (See Top 100 in Books) #5 in Personal Finance (Books) #12 in Success Self-Help


#5 in Personal Finance (Books):


#12 in Success Self-Help:


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Top Amazon Reviews

    • This book keeps it real about money. It covers EVERYTHING!...even talks about prenups!!(whoa!)
First, let me start off by saying that I've read a lot of different books on personal finance. So I'm very familiar with Dave Ramsey's method of personal finances and a bunch of others. I've read tons of articles, blog posts, etc... on paying off debt and investing, etc... So this topic isn't new to me. So when I got this book (I got an advanced copy of it)I was figuring that I would read this book and probably wouldn't learn anything new. I was thinking "ohhhkaaay...so it's gonna probably talk about how to get out of debt by reducing your spending to almost nothing, eat beans, rice and ramen noodles...cut coupons..and do this for several years then you'll be able to start living your life" I figured it would be the same old information that I've read in all the other personal finance books....yaaawn! Boy oh boy...was I ever wrong I honestly have to say, that this book was the complete opposite of everything I've ever read. For you parents, it's like having two kids. You know..your first child is usually calm, relaxed, quiet, well mannered and well behaved. Then you have child #2...expecting things to be pretty much the same...only to find out your second child is the complete opposite Child #2 is a wild child. Crazy, loud, eats dirt...touches the bathroom handles in public washrooms and then the next minute has their fingers in their mouth Well, Ramit's book is like your second child. LMAO. It's fun and actually really interesting to read! ( I know...I know..who says that about a dry topic like paying off debt, investing and saving?). It'll make you laugh in some parts(fo real!). And...it gets you motivated and makes you want to start taking action as soon as you've finished the chapter He gives you action steps at the end of each chapter that you can start implementing right away! And...it's real! He keeps it sooo real that he even talks about his discussion with his wife when bringing up the topic of having a PRENUP!! (ohhhh snaaaapp!! ...bring out the popcorn cuz it's about to go down!!) >>>>>>>>>>>>>> Ok...so here's what I really liked about this book and thought was friggin awesome! [1. Conscious Spending] Ok...so we've all heard about "having a budget". And when we hear that..we automatically think "cut back on everything. Use water instead of milk in your cereal. Grow your own coffee beans at home in your backyard and make your own coffee to save a couple of dollars a day"...right? But Ramit goes about this in a TOTALLY different way. And I love his approach to it. It's such a small shift in your mindset, but it has a HUGE impact!! So basically, he's telling you this. Instead of thinking of your budget as a way to cut back and not enjoy life..think of it like a plan. It's your plan where you are CONSCIOUSLY choosing how to SPEND your money each month. But not only that... this is YOUR life! And to live a "rich" and "happy" life - you get to choose to spend on the things that make you happy. So why not cut back on the things you hate - so that you can spend on the things you love! As he says in Chapter 4 on Conscious Spending "conscious spending isn’t about cutting your spending on everything. That approach wouldn’t last two days. It is, quite simply, about choosing the things you love enough to spend extravagantly on—and then cutting costs mercilessly on the things you don’t love." (BOOOM!! MIC DROP!!) [2. Scripts to use to save you money] You ever get nervous when calling up a financial company (like your credit cards) and then you don't know what to say. Maybe you don't know how to negotiate, or you just get nervous and forget what to say. Well...not to worry. Ramit gives you WORD FOR WORD scripts that you can use to waive annual fees on your credit cards, and even get fees waived on your bank accounts! I know...when I read that I was like "hoollld up..wutcha talkin bout Willis!" I told you that this book was the complete opposite of other personal finance books. What other personal finance book is giving you exact scripts to use on how to call up your credit card and get annual fees waived?! It's these small details that the average person wants to know cuz let's be real...who likes paying fees? Right?! [3. Open and Honest] What I really liked...which I've never seen before....was the willingness to be open and direct with the reader. Ramit laid all the cards on the table and he mentions a. the exact credit cards he uses b. the exact bank accounts he uses c. the exact online brokerage account he uses d. the investments he puts his money in Who else does that? But not only that....like I said, he GOES THERE and talks about the very very very touchy and sensitive topic of having a prenup. In Chapter 9 LOVE & MONEY - he talks about how he had this difficult conversation with his wife. He also talks about why he decided to do it and should you sign one or not? Also in this chapter, he covers difficult topics around money like a. How to help parents who are in debt b. Should you tell your parents and friends how much money you have c. Talking Money with your significant other d. How to handle money when your spouse makes more than you e. How to handle planning for a wedding f. Negotiating your salary at work and more and more... I'm telling you...Chapter 9 is where it all goes down! Just keepin it real with ya...this is the stuff that we REALLY want to know about. This is the real life stuff we deal with on a day to day basis that NOBODY IS TALKING ABOUT!! I mean, sure...we want to know how to pay off debt, invest, etc... But let's be real. That part is boring. That's like reading the first few chapters of a hot & steamy novel..like 50 shades of gray. It's necessary to build the story, but the REAL juicy stuff happens later on.... and that's the part you want to get to. We've all had a difficult convo with someone about money (spouse, fiance, boyfriend/girlfriend, etc..) Don't you wish you knew how to handle it better...well now you will! Now you'll have a plan [4. He's very specific] For example, in Chapter 7 he talks about investing. And he recommends setting up your asset allocation using David Swensen's recommendation. Swensen manages Yale's endowment for more than 30 years and has an amazing 13.5% annualized return. He even gives you the exact percentage's to use 30 percent—Domestic equities 15 percent—Developed-world international equities 5 percent—Emerging-market equities 20 percent—Real estate investment trusts 15 percent—Government bonds 15 percent—Treasury inflation-protected securities I like this because it takes the guess work out of it for you Just do exactly what he's laid out - and boom! You've got a successful investing plan in place. >>>>>>>>>>>>>>>>> WHAT'S DIFFERENT Here are some things that I found different with this book vs other personal finance books [1. Focus on Big wins, not small wins] So for example, instead of chasing small percentages by getting introductory rates for high interest savings accounts, focus on your asset allocation and what you're invested in. Your time is much better spent focusing on that, and it will have much bigger returns in the long run Ramit continues to remind us that it is better to use your time working on things that will have a big impact on your life (i.e. setting up your automated investing) vs spending hours or days looking for the perfect credit card. [2. Word for Word Scripts] As I mentioned, he gives you exact scripts you can use to save money and get fees waived [3. Automating your finances] Let's be real..who REALLY enjoys paying bills? Who really enjoys reading over investment statements and managing their money? No one!..that's who! Not even Ramit (he even admits this in the book) Plus - we're all lazy. We don't really want to set aside time to look at our investments. We say we will...but let's be honest..most of us don't. So in Chapter 5 - he shows you how to automate your finances so that you can get on with your life. He shows you how to setup a system so that your bills get paid automatically and your investment accounts get funded automatically. And when it's all setup and done...you basically only have to spend 1hr a month looking over your finances, so that you can get on with the more important things in your life [4. Conversations around money] He talks about things that others don't talk about...like the judgement you get from friends and family when you spend money on certain things you like...or how we may judge others on things they spend..but we don't know the full context. Or I'm sure we've all had that one friend who says to you "why do you still have that old iphone? Don't you think it's time to upgrade?" This was very eye-opening to me and it was great to see someone finally be honest and talk about these things. I have never read a personal finance book that talks about these real life situations this way before >>>>>>>>>>>>>>> WHAT IS MISSING Here are some things I found that were missing from the book [1. Real Estate Investments] I'm actually kind of surprised that he didn't talk about investing in real estate (residential or commercial) This is such a hot topic, and there are TONS of Real estate related TV shows now about flipping homes, or agents finding these multi-million dollar homes for their clients. I think it's a topic that many people are also interested in. Also, just based on regular "street knowledge"...the average person probably has an easier time understanding real estate and owning property vs understanding how the stock market and index funds work. They probably feel more comfortable with real estate because it's a physical asset, whereas the stock market may feel like black magic to a lot of people. He talks about Cryptocurrency, so I thought for sure he'd talk about investing in real estate. But he didn't I wish he had touched on Real Estate as an investment and mention at least what percentage of your portfolio should be allocated towards real estate and how to go about investing in it in a strategic, methodical manner. Kind of like how he explained how to invest in the stock market [2. Saving up and paying cash for your car] I found it odd that he didn't talk about the option of saving up and paying for a car in cash. He does talk about how to buy a car, but it involves getting a loan. Which - I found ironic because Ramit is completely against debt. So it didn't make sense to me why he is telling us to get a loan for a car He mentions how to save up for other big ticket items (like your wedding, etc..) but he doesn't give you a plan on how to save up for your car and use cash so that you can avoid getting into debt and getting a car loan. I'm not sure what the reason is behind this...but this was very surprising to me. [3. Investing in blue-chip stable companies] Ramit is against picking and investing in individual stocks. He recommends investing in Index Funds instead. And for the average person, I understand why And..he explains why in the book (Chapter 7) But - at the same time, I think there could have been an opportunity to mention in the book how to invest in well known, stable, big name companies that have been around for many decades that produce dividends and can be a good addition to your portfolio I'm not saying that they should make up the majority of your portfolio, but perhaps a small percentage. Ramit is very methodical - and I believe he could have given some sound advice on some criteria to look at for blue-chip companies that have been around forever, and would be solid investments. One company that comes to mind that Warren Buffett publicly admits he likes is Coca-Cola. It's not an exciting company but it has a history of being stable and producing dividends for the investor. >>>>>>>>>>>>>>> MAIN TAKEAWAY FROM THE BOOK The main theme of this book is all about living your Rich Life And of course, living a Rich Life will mean different things for different people. For one person, that might mean always upgrading their seats on a flight to the seats with extra leg room...for another, that might mean always buying the VIP section tickets at concerts but also that person could care less about eating out at lunch so they always pack their lunch. In Chapter 9 (A Rich Life) ...Ramit says : "it’s about not having to think about money all the time and being able to travel and work on the things that interest me." this pretty much sums it all up right here. I realized that life is more about enjoying your money, and using it to do the things that bring you joy and make you happy. Whatever those things are for you. You will have to decide. I already had a mindset of doing the things I enjoy...but this book helped me to get more clarity on exactly how to do that on a daily basis. This book helped me to have a plan to set aside a specific amount each month towards things I love. And more importantly, how to NOT feel GUILTY about spending on things I enjoy (like upgrading my seats on flights or buying courtside basketball seats) because I am cutting back on things I don't like as much (like paying a cable bill) >>>>>>>>>>>>>>> WHO SHOULD GET THIS BOOK This book is for the person who 1. hates manually paying their bills each month 2. wants to have simple and easy investments that they actually understand 3. wants to not feel guilty about spending on things they love 4. wants an easy to understand plan on how to pay off debts and still enjoy life (without eating ramen noodles and cutting coupons) 5. wants tips for having real life awkward conversations with friends and family about money 6. wants to enjoy their money and know that in the background their money is growing and they will have enough to retire 7. is tired of the regular boring personal advice that they've read for years and years Ramit's approach is like that one friend who tells you how it is. They call you out on your B.S. and you appreciate them for it cuz they always keep it real with you and you know that they want nothing but the best for ya. If you like that quality in people, then you will most definitely enjoy this book! also...just being honest...I would've given it 4.5 stars, but there was no way to do so. I think 5 stars is for absolute perfection And since Ramit left out the topic of Real Estate Investing, he didn't discuss the option of saving up and paying cash for a car and I think he could've touched on investing in blue chip stable companies - I would say it's 4.5 stars (in my opinion) It's still an awesome book and by far the best most COMPLETE book I've read on personal finances because it handles those real life topics around money that happen to all of us, but no one else is talking about. ... show more
Reviewed in the United States on May 18, 2019 by Goodie7
    • Tim Ferris' question...
Book: I Will Teach You to Be Rich, Second Edition: No Guilt. No Excuses. No BS. Just a 6-Week Program That Works by Ramit Sethi. I'm a big fan of Tim Ferris and in many of his books and podcasts he asks people a really good question. It's not "What is your favorite book?" or "What are you reading now?" Which are all good questions and bad questions. I mean honestly, if you are reading a book called Atheism for Dummies and the conversation comes up at church, that is kind of awkward. I would be tempted to not answer honestly. But Tim asks a great question: "What is a book that you've gifted frequently?" This immediately shows that you are a gift giver, generous person and thoughtful too, unless of course you are giving the gift of RL Stine books, then you should be flogged. But I digress. This is the book that I have gifted high school graduates the most. Over the years I've given at least 5-8 away to them. I don't think they have read it and yet I encourage them to. But it's one of those things that I know one day they will come to me and confess they never read it until now and then they would have to leave and make more money under duress due to the fact they didn't read the book and their financial situation is a mess. But I will sit back and gloat in the wonderful knowledge that they SHOULD have listened but alas, many will not. The book is a blend of off-kilter, foul language (which is hilarious because these are church families) but overall very good solid financial advice. My wife and I look at the criteria in this book and we are happy since we have met most of the author's suggestions/requirements. ... show more
Reviewed in the United States on April 9, 2024 by C. M. Larsen
    • Perfect Personal Finance Book
Like most people, I knew very little about personal finance before reading this book, but I can say reading it literally changed my life and finances! We went from no information, no goals, no understanding and no savings to all of the above. What I like most about it is it's easy to understand unlike other finance books and it's written for a younger population so it reads well and fun. It's also not boring and it's relevant to my life as a young, married worker. I read one other book on budgeting and now I feel equipped to manage my growing savings, retirement plans, checking and long-term/retirement goals. Highly recommend his show on Netflix, too, but the book is your deeper and clearer guide to managing your growing wealth! ... show more
Reviewed in the United States on June 8, 2024 by Kasey
    • Not for 20 year olds and younger
I bought this book for my 20 yr old granddaughter, thinking it would get her thinking about her financial future. I was wrong, she didn't find it interesting or helpful at all. I, on the other hand, read it and thought it was a good financial primer. The book has many useful suggestions, that are fully explained and easy to associate with everyday living. I do think it would be a good book for someone in their mid 20's, who are just starting off on their careers and looking for a path to financial independence. Those who have been on the path to financial independence would find it kind of boring, with suggestions they have already employed. I thunk those looking to get out of debt would find this book very helpful. ... show more
Reviewed in the United States on January 13, 2024 by Buyer

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