I Will Teach You To Be Rich

Most people think wasting money means buying coffee. But the biggest money drains don’t feel like waste at all. They look completely normal.

Buying a car based on the monthly payment. Paying for subscriptions you forgot you signed up for. Calling luxuries “investments.” Chasing complicated financial products that promise to beat simple investing.

None of these feel like mistakes in the moment, which is exactly why they can quietly cost you far more than any latte.

Real financial progress comes from getting the big decisions right, not from feeling guilty about the small ones. And the first step is seeing where your money is actually going.

Get my Spending Audit Guide so you can find the drains hiding in your own spending: iwt.com/spending

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7 hours ago |[YT] | 69

I Will Teach You To Be Rich

When was the last time you and your partner actually looked at your numbers together? For most couples, it only happens four times in their entire relationship, and even then it’s pretty vague.

The couples who feel calm about money do it differently. They sit down once a month and check four numbers:

→ Fixed Costs: ideally 50–60% of take-home pay
→ Savings: 5–10%
→ Investments: at least 10%
→ Guilt-Free Spending: 20–35%

That’s it. No tracking 200 categories and no arguing over $50 at Target. So when one of those big moments shows up, you’ve already been preparing for it.

If you want an easy way to run that monthly conversation, get my free One-Hour Monthly Money Meeting Guide: iwt.com/monthlymeeting

1 day ago |[YT] | 90

I Will Teach You To Be Rich

One thing you can’t stop thinking about. One thing you avoid thinking about. We’re covering both this week, live and free.

📌 STOP OVERTHINKING. START DRAWING AWAY ANXIETY
🗓️ Wed, Oct 21 at 3pm ET / 12pm PT (*time updated)
🗣️ With Harvard-trained clinical psychologist Lorwen Harris Nagle, PhD

Understanding your anxiety isn’t the same as stopping it. Sometimes the next step isn’t more analysis.
→ try a 90-second drawing exercise live (no artistic skill required)
→ learn why drawing works differently from going for a walk
→ leave with one thing to try the next time your brain won’t let something go

🔗 Register for Wednesday: iwt.com/stopoverthinking

📌 HOW TO GET OUT OF DEBT AND STILL LIVE YOUR LIFE
🗓️ Thu, Oct 22 at 8pm ET / 5pm PT
🗣️ With me, Ramit

Start tonight: write down every debt you have, with the balance and interest rate. Then on Thursday, I’ll help you:
→ decide which debt to attack first
→ build a Conscious Spending Plan that pays it down automatically
→ keep spending on the things you love

🔗 Register for Thursday: iwt.com/debtfree

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2 days ago |[YT] | 37

I Will Teach You To Be Rich

Our parents were handed a simple formula: get a good job, stay loyal, work hard, and you’ll be taken care of.

That formula isn’t working anymore. Costs keep rising, jobs feel less secure, and doing everything “right” can still leave you feeling squeezed.

And yet most of us were taught to just accept it. “You’re lucky to have a job.” “That’s just how it is.”

It doesn’t have to be. You need a different set of rules, and one of the most powerful is having more than one way to earn money.

The hardest part for most people is figuring out what they could actually sell. Join my free challenge to find your idea, and save your seat for my live session tonight, Monday, Oct 19 at 8pm ET: iwt.com/ideain3days

2 days ago |[YT] | 113

I Will Teach You To Be Rich

The most expensive bottle of wine I’ve ever been handed tasted exactly like Trader Joe’s. Swipe for the $6,228 dinner story.

But the best part of that trip wasn’t the villa or the wine. It was taking a full week off to hike, eat, and talk for hours with a group I’ve been part of for over 10 years, without asking anyone for permission.

That’s what owning a business can give you beyond income: control over your time. A workout class at 2pm. A long lunch on a Tuesday. A trip planned around your life instead of your PTO balance.

And if you’re thinking, “Ramit, I don’t even have an idea,” that’s normal. Most good business ideas start with something people already ask you for help with. Write down three things friends or coworkers come to you for, and you have a starting list.

When you’re ready to turn that list into a real idea, join my free challenge to find your business idea, and save your seat for my live session on Monday, Oct 19: iwt.com/ideain3days

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3 days ago |[YT] | 208

I Will Teach You To Be Rich

What’s made paying off debt the hardest for you?

I’m covering all of these live on Thursday, Oct 22 at 8pm ET / 5pm PT. Join me for free: iwt.com/debtfree

4 days ago |[YT] | 19

I Will Teach You To Be Rich

Number 1 is where most people get stuck.

“I’d start a business, but I don’t have any skills people would pay for.”

Everyone does. Look at what you already pay other people to do: clean your apartment, change your oil, make your dinner. None of that requires a fancy credential. It just requires being good at something someone else doesn’t want to do themselves.

If you’re not sure what yours is, ask your partner or a friend what you’re really good at. They’ll answer faster than you think.

You also don’t have to quit your job to find out if it works. Many of my students started their businesses on the side while working full time.

I started small too. My first product was a $4.95 eBook I sold from my dorm room. It made me some extra spending money. Today it’s a business that makes money while I’m on vacation, out to lunch, or asleep.

Slow and steady wins. Once you believe there are opportunities everywhere, you start seeing them.

Join my free 3-day challenge to find your business idea, and save your seat for my live session on Monday, Oct 19: iwt.com/ideain3days

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4 days ago |[YT] | 69

I Will Teach You To Be Rich

If you’ve hit a money milestone and felt nothing, a bigger number won’t fix it.

This commenter felt nothing at $100K, $200K, or $300K, and expects to finally feel something at $5 million. But the goalpost just moves again.

If your only definition of success is a number, there will always be a bigger number. The feeling you’re waiting for comes from knowing what your money is for, and you can decide that today.

So try this. Write down three things your money lets you do now that you couldn’t do a few years ago. Then pick one thing you’ll spend on, guilt-free, the next time you hit a milestone.

If you want to work on the beliefs behind this, start here: iwt.com/mindsetcourse

5 days ago |[YT] | 66

I Will Teach You To Be Rich

If you’ve ever restarted your debt plan after a $400 “treat yourself” weekend, the plan was the problem, not you.

Most debt advice says you can’t enjoy anything until every cent is paid off. Nobody can live like that for the years it takes, so you white-knuckle it for three weeks, crack, and feel even worse than before.

There’s a better way, and it starts with something you can do tonight: write down every debt you have, with the balance and interest rate next to each one.

It’s tempting to skip this because not knowing feels easier than looking. But you can’t make a plan for a number you’ve never seen, and once it’s in front of you, picking which debt to attack first matters a lot less than actually starting.

On Thursday, Oct 22 at 8pm ET / 5pm PT, I’m going live to show you the rest:
→ how to build a Conscious Spending Plan that pays your debt down automatically, with guilt-free money left for your Rich Life
→ the invisible scripts that keep you in debt, like “I’ll deal with it when I make more money,” and how to break them

You can get out of debt and STILL SPEND on the things you love. Join me for free: iwt.com/debtfree

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6 days ago |[YT] | 47

I Will Teach You To Be Rich

Carlo has $231,000 invested and another $27,000 in savings. Now he has three expensive goals coming up: a wedding, a house, and kids.

His question: “How should I split an extra $800/month?”

I ran the numbers and told him exactly how I’d prioritize it.

Get my full breakdown in Saturday’s email: iwt.com/saturday

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6 days ago |[YT] | 64