Snag Your Copy I Will Teach You To Be Rich: No Guilt. No Excuses. No BS. Just A 6-Week Program That Works By Ramit Sethi Conveyed In Interactive EBook

going to update this review, yearbyyear, with how much this book has changed my life, starting inas a college student with no money.


Year One,: I'm a junior in college studying "Integrated Language Arts," which means I'll probably end up teaching, technical writing, or doing some sort of web design / SEO work in any case except teaching, my income will be a little bit above average.
Right now, though, my income is nothing to brag about, I work in a factory making/hour and I do some freelance writing and SEO work on the side.


In a way, you could say I'm living out the first couple chapters, "Optimize Your Credit Cards" and "Beat the Banks.
" I'm focusing on building credit and staying out of debt, I got accepted for a Discover Card about a year ago withcashback on groceries and gas I haven't taken out any loans to pay for college, and I plan to keep it that way: as of today Octoberth,aboutof public college students graduate with a debt load ofk, which means staying out of debt will put me well above average.


Bottom Line of Year One: Net worth of aboutand a credit score of.


Goal for Year Two: Net worth of at least,k,k in ak, and a credit score of, I can't say I'll update this at the exact same time every year, but I'll come close.
If I hit my goals, I'll come back to revise them,

Year Two Update,k in a Roth IRA and acredit score.


I've also traveled to some neat places, which I think fits in perfectly with the idea of "Living a Rich Life.
"

Vanguard



FICO



Bottom Line of Year Two: Goal accomplished withk in a Vanguard Roth IRA and aFICO.


I traveled to San Clemente, Santa Monica, and

Los Angeles in Southern California Hilton Head in South Carolina and Savannah, Georgia.
I've discovered how much I like traveling, and I've made it one of my priorities,

Updated Goals for Year Three: Save a minimum ofk for a monthlong backpacking trip across Europe, put as many purchases as possible on my Delta SkyMiles card so I can get a discounted flight, continue to max out my IRA, and savek for a down payment on a duplex so, as soon as I land a fulltime job after graduating college, I can finally move out of my parents' house.


Years Three and Four Update,amp: I've done quite a bit of traveling prepandemic since my freelance writing business was doing well maybe blowing a little bit more money than I should have.
I did that backpacking trip: I picked up some odd jobs in Ireland working on a farm and painting, and that covered some of my living expenses before moving on to Switzerland and Italy, and then I went all the way to Costa Rica and Peru before doing a road trip across Europe again.


Do I regret it Not at all, If you wanted to travel the way that I did today, in, you literally wouldn't be able to.
And all of that traveling didn't cost me anywhere near as much as you'd expect, I was very, very frugal about it,

Unfortunately, as soon as the pandemic hit, my income took a nosedive, I'm climbing my way back up, but I'm back at my parent's house for now, This is where I stand financially, from my Personal Capital:



I drive aHonda Civic that getsMPG, and I bought it fork cash.
I probably put another.k in it or so, including paying outofstate taxes, new battery, new rim caps, and so on, but I don't think anything I did increased the value.


I'm studying now to be a real estate appraiser, After experiencing firsthand how unstable my freelance income was, I wanted something different, I've already done some real estate copywriting, so this seemed like a good place to start.


Bottom Line of Years Three and Four:k net worth,k car.k in Roth IRA.k in savings saving to buy my own place since I know I'll be in NE Ohio foryears.


Years Five and Six Update,amp: My net worth has gone nowhere.
Im still atk, but I see it as massive progress because Ive significantly increased my earning potential.
Im now a Certified Residential Appraiser and I should finally be makingk this coming year.
I still drive that same Honda Civic and it gets meMPG, Im going to drive it until my girlfriend forces me to get rid of it,

Ive also traveled a bunch with this beautiful Canadian girl I met in Costa Rica.
If thats not a “Rich Life,” I dont know what is,

Bottom Lines of Years Five and Six: Net worth has stagnatedk because of education costs and stock depreciation.
Still contributing to Roth IRA as much as possible, Should be in a much better position this time next year, For future reference, Im writing this on Mayth,,

Goals for next couple years: Earnk in calendar year, buy a condo and maybe rent out a room of it.


Year Seven Update,

It's now Januaryth,, I'm really not doing great with the whole "I'll update this at around the same time every year" thing so I'm just gonna do it in January from here on out.
. . Hopefully

My net worth is nowk and I make a decent salary, aroundk before bonuses.
That beautiful Canadian girl I met in Costa Rica is now my beautiful fiance,

Life's okay. It could be better. I feel like I'm underpaid but it is what it is, I'm hoping to buy a house or duplex soon, so that'll maybe help my net worth and income options.




I still drive that same Honda Civic and I love it,

Bottom Line of Year Seven:k net worth with a good salary.


Goal for next year: Buy a house, The groundbreaking NEW YORK TIMES and WALL STREET JOURNAL BESTSELLER that taught a generation how to earn more, save more, and live a rich lifenow in a revisednd edition.

 
Buy as many lattes as you want, Choose the right accounts and investments so your money grows for youautomatically, Best of all, spend guiltfree 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 hes updated and expanded his modern money classic for a new age, delivering a simple, powerful, noBSweek 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 nofee, highinterest bank accounts that wont gouge you for every penny
How Ramit automates his finances so his money goes exactly where he wants it toand how you can do it too
How to talk your way out of late fees with wordforword scripts
How to save hundreds or even thousands per month and still buy what you love
A setitandforgetit investment strategy thats 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 expensesstress free
The exact words to use to negotiate a big raise at work
 
Plus, thisth anniversary edition features overnew 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 moneyand then get on with your life.


  If you can overlook Sethi's douchy tone and hotblonde jokes, there's some pretty solid advice in there.
A better written version of the same book would have baggedeasily,
Still, worth a read,



in and this fratboy has only managed to make me mad



Well Mr.
Sethi, let's see if you're gonna make me rich It's not that his advice is bad.
His tone is just infuriating, . . If you can cringe through the misogyny and disdain for overweight people, there are actually some good pieces of financial advice for beginners.
Targeted Audience: Earlys located in USA and it isnot later If you are already, skip it
Information Depth: Basic Common Sense
Format: Audiobook for me, with/rating for narration!
Some side gendercomparative comments that you might not be pleased to hear!
My Bookshelf: WishISkippedIt

Hope I saved you precious minutes of your time! The financial advice is mostly sound, but the tone and attitude is pretty annoying: it's aimed toward adults with the emotional maturity ofyearolds and features lots of unfunny jokes about hot blondes.
Do. Not. Want. Hands down the best book on personal finance I've ever read, I would actually choose to pick this up instead of my fiction book never thought I'd say that.
I found Ramit's advice so accessible and his conversational writing makes previously intimidating topics seem approachable and exciting.
I got so much out of this book and feel energized and confident about investing, saving, and my overall psychology surrounding money.
Definitely recommend! In one chapter, this book briefly describes a girl that spends,/year on shoes.
Since it's a book on being rich, I figured she must be rich in order to waste that much money on shoes.
But no, her annual income is about half mine, She's able to do this because she decided that ",/year on shoes" was her own personal definition of "rich" and she oriented her life around that decision.


That's all this book is: deciding for yourself what it means to be rich and acting on it.
Everything's broken down into the simplest possible steps, Even if you're the laziest person on the planet, takingaction/day will put you on the path to a wealthy retirement in aboutweeks.


There are many, many numbers, all used to illustrate the difference between not taking action, taking some action, and taking maximum action.
Some of these differences are measured in hundreds of thousands of dollars, Each action required on your part rarely requires more than a few hours one evening, Once. And then you never have to worry about it again,

This book will pay for itself many, many times over in the first month after you read it, if not the first week.
It's your money, no one else's, so why the hell haven't you read it yet.