I Will Teach You To Be Rich: 6-Week Program That Works

I Will Teach You To Be Rich: No Guilt. No Excuses. No B.S. Just a 6-Week Program That Works  by RAMIT SETHI

“Most students never learn the basics of money management and get caught up in the white noise and hype generated by the personal-finance media. Ramit’s like the guy you wish you knew in college who would sit down with you over a beer and fill you in on what you really need to know about money-no sales pitch, just good advice.”

“…If I’ve been successful, the end of this book is the beginning of a rich future for you. We know that being rich isn’t just about money. We know that most people around us have strong opinions about money, yet are clueless with their own. And we know that conscious spending can be fun (especialy when it’s automated). Not enough people know about being rich. It’s not some mythical thing that happens only to Ivy League grads and lottery winners.

Anyone can be rich—it’s just a question of what rich means to you, fo my definition, I’ve always believed in getting really good at something, then passing it on to others. A rich life is about more than money. It starts by managing you own. And it continues by helping others become rich….”


  • Would You Rather Be Sexy or Rich?
    Why do people get fat after college? The eerily similar guilt about spending and not working out • Counterintuitive but true: We need less personal-finance information • Common excuses for not managing money • Stop debating minutiae and get something done • The key messages of / Will Teach You to Be Rich • “Rich” isn’t just about money: What does it mean to you?
  • Optimize Your Credit Cards
    Why Indian people love negotiating • How credit can help you be rich • Picking the best credit card for airline miles, cash back, and rewards • Getting card when you have no income • The six commandments of credit cards • How to negotiate with your credit card company to get fees waived and receive lower rates • Why you should a/neys buy electronics, travel, and furniture on your credit card • What not to do with your cards • The burden of student loan • When credit cards go bad • Five steps to ridding yourself of debt • Week One: Action Steps
  • Beat the Banks
    Why old people are afraid of online banks—even though they offer the best new accounts you can get • How banks rake it in • Why you really need separate savings account • Opening high-interest, no-fee accounts • Five marketing tactics banks use to trick you • My personal favorite accounts Negotiate out of fees with your current bank (use my script) • Week Two: Action Steps
  • Get Ready to Invest
    Why your friends probably haven’t invested a cent yet • Investing is the single best way to get rich • The ladder of personal finance • Everything you need to know about your 401 (k) • The importance of crushing your debt • Why everyone should have a Roth IRA • Week Three: Action Steps
  • Conscious Spending
    Spend less—without making a detailed, irritating budget • The difference between cheap and frugal • Conscious spending: how my friend spends $21,000 per year going out—guilt-free • Using psychology against yourself to save • The four buckets: fixed costs, savings, investments, and guilt-free spending money • The envelope system for not overspending • How to make more money • Handling unexpected expenses • Week Four: Action Steps
  • Save White Sleeping
    The power of defaults: Give yourself fewer choices • How to spend only three hours a month managing your money • Where does your next $100 go? • Setting up a bill-pay and transfer system that works for you • Consultants and freelancers: What about irregular income? • Week Five: Action Steps
  • The Myth of Financial Expertise
    We’ve been tricked by ‘expertise”—why financial ‘experts” can’t even match the market • You can’t time the market • How experts hide their poor performance • You don’t need a financial adviser • Pundits worth reading • Most mutual fund managers fail to beat the market • Why I love index funds
  • Investing Isn’t Only for Rich People
    What’s your investor profile? • The beauty of automatic investing • Asset allocation: more important than the “best stock of the year!” • Convenience or control? Vbu choose • The many flavors of stocks and bonds • Creating your own portfolio: How to handpick your investments • Investing the easy way. lifecycle funds • Feeding your 401(k) and RothRA • The Swensen model of asset alocation • Week Six: Action Steps
  • Easy Maintenance
    Feed your system—the more you put in, the more flu’ll get out • Ignore the noise • The tricky part of managing your own portfolio: rebalancing your investments • Don’t let fear of taxes guide your investment decisions • When to sell • For high achievers: a ten-year plan • Giving back—an important part of being rich
  •  A Rich Life
    The finances of relationships, weddings, buying a car. and your first house
    Student loans—Pay them down or invest?• Don’t let your parents manage your money • Role reversal: How to help when if s your parents who are in debt • The big conversation: taking about money with your significant other • Why we’re all hypocrites about olt weddings (and how to pay for yoirs) • Negotiating your salary, I Will Teach You to Be Rich style • The smart person’s guide to buying a car • The biggest big-ticket item of all: a house • The benefits of renting • Is real estate really a good investment? • Planning for futire pirchases • Parting words (cue the violins)

Language: English
Format: ebook PDF
Pages: 106
Size: 2.1 mb

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