I’ve Made Millions of People Rich… Here’s My Playbook

[@ikewashere]

I’m a financial planner working for a large wealth management firm and I still recommend everyone in my personal life to your book and content. Love your money philosophy!

[@ramitsethi]

Thank you

[@sandrahusser7971]

Amazing and thanks!!!

[@AncientWisdommoneymatters2024]

@@sandrahusser7971 Saving Money: A Lifestyle Change Towards Freedom kzbin.info/www/bejne/jZyvdaRjdrtrd9Usi=ShUgotuhhagfzyXW

[@deborahbain6652]

Thank u

[@acdiaz]

What’s the name of the book

[@macshild]

The year was 2016, I was desperately trying to break into corporate America, stumbled upon Ramit video writing a better resume and persuasion. Best video ever. Helped in landing my first role, fast forward 6yrs later and I am making 400K/yr

[@ramitsethi]

Beautiful work!! Please email me your story. I'd love to know details!

[@frankiegunnz8066]

How much was you making before and after the 1st year of the resume?

[@jtui4249]

Wow. Congratulations mate👍

[@rakheedharamlall6522]

Please share that video

[@BlakeC341]

Sounds highly unlikely.

[@Jagmanjagman97]

Read your book a couple months after after finishing college in 2020 with credit card debt and no savings. I now have a net worth of ~240k. Appreciate your teachings tremendously and try to pass on the content to any family or friends that will listen

[@excitedaboutlearning1639]

It's amazing how high US salaries can be, let alone almost right after college! I'm a bit jealous, I admit.

[@bigbandz4036]

Damn what do you do for work?

[@traceyr6563]

Really? $60,000 a year. Hmmm

[@matcha_mage]

Ramit I'm obsessed with your content and philosophy! You've changed my whole way of thinking and approach, and you're just such a funny and likable person. Thank you for all that you do!!

[@arkzyFn8]

Agreed. Love my husband but I have a KZbin crush on this guy lol such a likable rich guy that makes you feel like you can do this .

[@ramitsethi]

Thank you!! I appreciate you watching and applying my material

[@astrahl]

Read your book back when I started working and have been rolling ever since. Biggest key I took from you is to make a 50-30-20 budget and then just automate the 20%. I have since ramped my savings from 20% to 40% a month

[@ElyWaves.]

Why not increase investments over savings? Are you saving up for anything in particular? Just curious! Congrats on the excellent allocation :D

[@sachsuccess]

Auto allocating and setting up standing orders to your own accounts is so powerful and a tip I always give to my friends!

[@astrahl]

@@ElyWaves. that 40% is just a catch all for investments and savings. I invest about 25% of it and save the rest for other things like home, car and other business investments

[@mt4141]

I have been watching and learning to manage my money for years on KZbin and this is by far the best and most complete video I have ever seen! This should be taught in every high school in the nation. I have downloaded it and will be showing to my kids before they start their financial journey. Thank you truly for this content!

[@TheProfitAdvisors]

This is an incredible summary of his book. Do exactly what it says and you will live a rich life ❤ Thanks Ramit

[@trishr391]

Exactly! I just started reading his book - this video was a perfect reinforcement of planning for your future using his easy guidelines!

[@spldrong]

Step 3 is so huge, I'm blown away when I meet adults that don't have everything on autopay... such a easy yet huge win

[@big0514]

I agree they even give you 2-5 dollars off for auto pay in some cases

[@squishybritches]

I'd rather hand someone money I owe them than someone stick their hands in my pockets.

[@raerae8801]

I Steele to make sure I have enough because pay days change

[@mykidsaresupercute]

How do you use auto pay when there’s no ability to set it up on their end? I could set it up through my bank but my utilities for example, could be between $250 and $450. Don’t be shaming people if they don’t have a practical way to do it.

[@spldrong]

@mykidsaresupercute call and ask... usually, you can do it on their website. It's possible that you can't, but very rare now a days. Sometimes, they have a link to another site that just does the autopay. Only thing I don't have autopay for is my pest/bug service guy and landscaper... but I think i can get the pest control company to do it soon

[@Kornheiser10]

Richness is what you see while wealth is what you don't see. Building wealth is what gives you the opportunities to do what you want and when you want to do it, because it allows you to control your time, which is the most valuable asset you can possess. Ramit's book is a tool, but understanding "The Psychology of Money" (as articulated in Morgan Housel's book) is the key to wealth.

[@Mibro6000]

Hey Ramit, 24 y/o student here. Started with your content (book/podcast) because my dad forced me to read your book and I LOVED it and your philosophy. I’ve also seen you take multiple approaches to your KZbin channel for the past year. I really like your current approach of having the podcast episodes and filling in the gaps in the week with key basics from your book in these shorter videos and community posts. I feel like it’s more engaging than anything you’ve tried for the channel so far. Keep it up!

[@ramitsethi]

Thank you!

[@aspreedacore]

W hard ass dad 😂

[@moqo-pj7xw]

I have been doing this for years, this method works 100%. This guy knows his shit

[@dpader7]

I picked up your book randomly at target over 4 years ago. Since then, my finances have only grown stronger and I’ve grown more confident. My retirement accounts/savings accounts are just growing!!! I’ve bought and sent your book to a few friends that I just know could benefit off this simple knowledge

[@angelachapman4415]

I have my credit cards on auto pay but I still usually log in manually each time I get paid and pay them off. It helps me to know where I'm at because the credit card billing cycle is pretty long. It works for me and I don't find it very burdensome.

[@Adman-p4j]

Also a good policy to monitor potential fraud, double payments or incorrect charges. I would NEVER fully automate my bill payments because I've caught SO many errors.

[@jackieboy1593]

If you are catching a ton of errors, you're doing something wrong, or shopping with the wrong companies.

[@Adman-p4j]

@@jackieboy1593 facts. Almost any Telecom for example

[@Isaac-un4cn]

This video inspired me to set up automatic transfers to my brokerage and savings accounts instead of doing it manually every couple of months. Thank you!

[@Miggy2222]

I prefer to do 1) 401k only up to 100% of match 2) Max out Roth IRA 3) Max out HSA (if you have access) 4) Everything else into a taxable brokerage My reasoning is that I want to keep the possibility open of accessing my investments before 59 1/2 and possibly use my taxable brokerage as a bridge account into retirement.

[@ramitsethi]

I appreciate your approach. It works too!

[@Jeff321]

You will likely save more on taxes by maxing out a Traditional 401k instead of the taxable account in step 4. There are ways to access retirement account funds without penalty before 59.5.

[@Miggy2222]

@@Jeff321 How do you access funds in a 401k before 59.5 without paying penalties and taxes?

[@tsforero]

@@Miggy2222 Either hardship withdrawals or I believe if your Roth acct is 5 years old? Need confirmation on that. I agree with your reasoning for access. There is really no gain to the roth over standard taxable accounts in terms of tax savings. UNLESS you are taxed at a lower rate when you retire. I don't plan on that being the case. Isn't worth the cost of my own cash being locked behind 10% penalty for 30 years.

[@Miggy2222]

@@tsforero I’m not sure if simply wanting to retire before 59.5 is a valid reason for a hardship withdrawal

[@Eden639]

This bucket approach makes more sense than a budget. Thank you for the good information.

[@Fayarin]

Omg Ramit! Your section on negotiating made me call my bank and ask for a better interest rate on my savings account (the one they give to new clients as a promo) and the employee didn't hesitate to give it to me. He even signed me up for a bonus! That was a rate of 250 euro for a 5 minute phone call! Thank you so much! 🎉❤ Happy holidays to you!

[@kaylagnapp5509]

Hey Ramit! Thank you so much for sharing your knowledge! I read your book back in 2015 when I felt so helpless with the looming student loan repayments. Someone even laughed at me for trying a “get rich quick scheme.” It’s now 9 years later and I am confident that my children will want for nothing and I may actually retire early. Your book was the first finance book I read and truly changed my view on finances. You helped me change my life around! Thank you!

[@chrissymorgan1457]

Sound advice! I work in the financial sector and this is what I tell people too. Now I’ll just send them your video!

[@jeffreygarrison1448]

A Straight Master Class!!!!

[@jennifertorres4757]

Oh no, I’ve been with Wellsfargo for years! Saw your Netflix show last night, started to go through bills today. Then subscribed to this channel! I’m thanking you in advance!

[@angiec8784]

I read your book and I loved it! So simple to follow and teaches us how to grow. Thank you for all your hard work! I’m no longer afraid to manage my own investments and transferred my retirement to fidelity instead of high cost fund managers. Thank you for all you are doing! You help us everyday people figure out the formula ❤ I’ll be binge watching your other videos from here on out. I’m already helping 2 family members because of you

[@cameronmichael1734]

Ally bank is great for saving because it allows you to divide your money into several buckets based on your savings goals.

[@staceyramirez6821]

The CFPB ordered Ally Financial Inc. and Ally Bank to pay $80 million in damages to African-American, Hispanic, and Asian and Pacific Islander consumers harmed by Ally's discriminatory auto loan pricing, and $18 million in civil money penalties.

[@Guedjinator]

@ramitsethi your book changed my life! I’ve been telling all my family and friends about it. My sister is now hooked and loves her CSP as do I 🎉

[@chintanchandiwala698]

Solid advice, I am subconsciously doing very similar bucketing but it perfectly make sense. The 15% for unaccounted expenses is brilliant idea. That is what can throw off most of the people.

[@michaelfortuna6747]

I agree. This is where I was struggling with my old budget. I thought I had everything accounted for but life always has unexpected expenses. If we are honest with ourselves I think groceries is a category everyone grossly under budgets.

[@BeMorejourney]

SoFi bank has this too. They call it valuts

[@donnlowel2387]

Finally a man who really knows his number… and be truthful advice, no bs. Subscribed.

[@hadiuzzaman]

This is an incredibly valuable video.

[@mariee.5912]

You got me at your Bank of America rant. You're a honest person. ❤ thank you

[@shashakeit013]

Ah, Ramit, I got your book through the library and have been on the waiting list again to get it back (slash I’m hoping someone gifts it to me for the holidays!) so this video is such an amazing summary and so helpful to keep progressing on my financial journey. Thank you so much for this!!

[@jessicakhan6570]

Can't believe I just got all this information for free. Listened to your episode on Financial Feminist podcast and I absolutely love your philosophy, but also that you give really tangible advice. I'm in Canada but still found this incredibly helpful. Thank you!

[@BRY__BRY]

My fixed cost leaves me with 0 dollars a month LOL

[@Lovingdogsclub]

😂😂😂

[@anabrightlight]

Yea, that's pretty much where I'm at. We really need to pay off our debts and reduce how much we're spending on certain categories!

[@syedmrizvi7310]

Came to the comment section to find someone like me. Welcome to the club folks

[@CCHouse-d5d]

i mean i was negative $500 at some point LMAO

[@nguyendao5587]

Hi Ramit I'd prefer an updated version of your book. Money habits have changed quite a bit after the pandemic 😊

[@Mr_NB628]

If you have Bills on different dates, you can also just have them all pay on a credit card and then have that credit card auto pay. So I have multiple credit cards and my bills hit those different cards to keep them active and then I just have them pay off every month.

[@johnkelly9451]

We do this and get the cash back. We also have extra in the checking one month ahead just in case. Plus an emergency fund. Most of bills that we can pay this way all on one bill. We pay it off in full each month. Not every bill allows this.

[@FurryHippoFinance]

Love the content, being a financial counselor the biggest hurdle I see is income. Your video uses $5,000 take home income but it changes a lot when in Detroit your making $2,800 a month with average rent of $1,200-$1,400 so the first 50% is literally just rent 😢 62% paycheck to paycheck

[@AlexA-jz4fr]

This

[@SirMopy]

also 5000 per months after taxes is really a lot and most of the people don't have this amount... it's crazy.. with less income and those % it's hard

[@celiari9702]

The most succinct and useful summary on wealth building I have ever seen. 👏🏼

[@ramitsethi]

Glad it was helpful!

[@Legacylawinfo]

Ramit! I am an estate planning attorney. I love your guidance!

[@frijolitodr]

Loved your Netflix show and finally find your channel, cannot wait to sit down and keep enhancing my rich life, I even follow you in your podcast very insightful.

[@ramitsethi]

Thanks for watching!

[@EmilyAllan]

I just bought your book and workbook, and this is a great summary of the core principles in your book. I really appreciate that you help people find meaning and purpose in life while ensuring they plan for their future, and the workbook really helps clarify things. Thank you for these KZbin videos. I would have never found you otherwise, and I've been bingeing your episodes. They are great.

[@ramitsethi]

Thank you!

[@EmilyAllan]

@@ramitsethi You're most welcome.

[@vza123]

My favorite philosophy on money and finances. Thank you!!! So liberating ❤

[@TheEti1980]

Enjoyed your video - great advice! Thankfully I have been doing most of this for past 20 years with exception of automatic payments. Could do more detailed budgeting to cut expenses especially since I am almost ready to retire. Enjoyed your Netflix series - please continue to good work!

[@jovylo]

Thank you so much for your teaching ❤

[@katherinemonus9225]

I can’t express enough how much I appreciate your videos. Thank you for helping me go from being anxious talking about money to feeling empowered

[@iloveyellow7214]

I am a 33 y o lady in Manila, Ph and Im juggling about 3-5 different projects from business owners in the west and some parts of asia. Plus I have a day job to supplement the rising prices of essential commodities. I know theres a vast difference in the west and asia but thank you so much for sharing I'll tweak this to my needs and life. Thank you Mr. Sethi Happy holidays 😘🥰

[@carkarlaw]

I watched to so many financial planning youtube videos, books, TV (YT was not the thing back then). Your method is one of the BEST/SIMPLE (yet detailed). Thank you.

[@mbelmana]

Loved your show, love your podcast and your book and I especially love your no bullshit approach to living a wealthy life!

[@esample539]

Excellent and so easy to follow. Loved working through this when I bought the book 10 yrs ago.

[@ismaelmasso6662]

It's smart advice, the problem is that most people's basic needs take well over 60% of net pay, at least in the UK, and currently the options for changing to higher paying jobs seem extremely limited.

[@Chwl78]

@@ismaelmasso6662 exactly, even on an average/good salary, fixed costs are way more. Not much room after that

[@kennethnortey5506]

I've watched this twice and I'm taking notes now ❤

[@Yeshanu]

Love this! I can start at step one and gain control. Thanks so much.

[@snowjae9380]

Hi Ramit, since I’ve read your book, I’ve finally hit >100K in my 401k. I also invested my IRA (it was sitting in a us bank cd not making anything). I’ve also optimized CDs, cash back on things I was already spending, and have opened up a taxable brokerage. My finances have been smooth sailing since I’ve read your book. Thank you so much!!!

[@astrahl]

I’d recommend 20-25% to investments and 10-15% for savings. If this doesn’t leave you with enough money for living expenses and discretionary then you need to increase your income

[@longview3k69]

Did the spread sheet, 65% on fixed costs but with 1300 in guilt free spending. If i pay off my car and credit card debts, my fixed costs drop to 36%. I'm now automatically sending 10% of my paycheck to a savings to start my emergency fund and prepare to pay off my credit cards

[@cbarts2]

Loving this new video content Ramit!

[@ramitsethi]

Thank you for watching and sharing!

[@cherylleduc6253]

Thank you SO much for this video. This plan is how my brain works. I have never been able to budget every penny and all the tracking. This is beyond helpful. This is going to help be to learn to be rich!

[@thanatos8412]

Fixed costs are 80% of my net income and increasing year over year. Only debt I have is a small student loan and mortgage. Not sure how any family with a median income is surviving right now especially if they have debt. Only path forward for me to is to try and aggressively increase my income.

[@adeelsindhu11]

Thank you for your time and effort ramit. Apprectiated

[@andrewkiracofe1118]

Ramit, Thank you for creating this video. It is exactly what I was looking for to navigate through the complexities of financial decision making. I have one question on the Conscious Spending template under Investments. Does this include retirement accounts? It says non-retirement - all investments on the template. Just need to clarify. Thank you!

[@rasheedaogburn123]

I’m transitioning careers at 33 and I’m so happy I’m finally learning these skills. Thank you for this video!

[@chellodise]

Love it Rami! Can you make a video for the self employed, the ones who don’t have access to a 401k but still want to invest some of there income?

[@benlaine400]

I never do automatic payments for my credit cards. I typically log in once a week and just pay whatever the full balance is at that time. This is how people get into the problem of paying for things for months or years that they didn't remember they signed up for or forgot to cancel. It helps make sure I'm reviewing all my purchases to make sure they're at least things I recognize and not errors. I once caught a $400 charge this way that a food vendor fraudently charged my card. It also helps from a cash flow perspective as I am spreading the cost out and have a better idea of how much money I actually have in play.

[@ingababy5196]

I think I like the bucket system over the Budget system.

[@JasonOG]

Best video I have seen about personal finance in sometime. Subscribed

[@sahannarayana4022]

Thank you, and a great summary of your book. I accidentally started watching your TV series on Netflix and then started following your Instagram and KZbin, then the newsletter. All of these contents changed my view of personal finance. Currently, I'm in the process of applying these things to my finances and getting good results. What would be your advice and tips for a person who is planning to relocate to another country?

[@MikeThaPhilosopher]

This is life changing information. Thank you Ramit! Second month doing the buckets.. and it already feels amazing

[@MarcnietobrandCHATBOX]

Much Appreciated 🙏

[@jonmcneil8458]

Amazing content and delivered in a simple and entertaining way!

[@melina.b85]

This is one of the best videos I’ve watched! Everything you need to know about the basics in managing your money and future Wealth combined in a 25min vid!

[@jessicaallard9453]

Thank you, Ramit! You have changed my financial life and future between your book, videos, and newsletters! I don't know and don't want to know what my finances and my future would look like if i hadn't found your content ✨

[@ramitsethi]

My pleasure!

[@RealityTrailers]

" I never spend money or pay for anything and instead I always recirculate and multiply my money. Get into that same mind set, when ever you buy/pay/spend for ANYTHING BUT NEVER THINK/SAY/FEEL/BELIEVE THAT, instead always think/know/feel/believe that you're actually/only/always RECIRCULATING & MULTIPLYING ALL YOUR MONEY 24/7 " ~ Rev Ike

[@danielromerosol4158]

Pure gold

[@DolceA186]

This was very helpful thank you

[@nataliemartinez9083]

Thank you so much for this breakdown !! 🎉🎉 can’t wait for a wonderful 2024

[@AishaAdekunle-Lawal]

Hey Ramit, for us in UK - what are the equivalent investments. We don't have Roth IRAs but employee pensions/ private pensions

[@andromaster1]

Stocks and shares ISA

[@matthewross6045]

@@andromaster1and the ISA contribution max a year is £20,000, so more generous than a Roth IRA.

[@sachsuccess]

Plus we have employer match pensions usually, if you’re an employee, so make sure to take full advantage of that too :)

[@drosman2872]

It’s just confusing which IsA to join 😅

[@sachsuccess]

@@drosman2872 there’s many different options, you can even open one with your local bank in some cases. Do your own research into the terms of the ISA and you should be good. I speak about this in a few videos too if it helps :)

[@BobCena-ll1zp]

Just bought your book for my two boys for Christmas. Hope this gets them on the right path.

[@chaselesser3191]

Most people go into credit card debt b/c they can’t manage the money well. That is a dangerous game for most people to try and play offense with.

[@kaalad3666]

Bots having full blown conversations in the comments...what a time to be alive. Thank you for the video!

[@itsjusStorm]

TOOK! action immediately!!! thank you so much!!!

[@ramitsethi]

Great job

[@terid6708]

My income dribbles in during the month with a chunk between the 10th and 15th and varies greatly. My goal is to level things out. This check comes in now, want to use it to pay that. It's working for me. Thank you for all your great ideas, you give some great suggestions for how things can best work. You open my eyes to how things can work out even better than I ever imagined. Thank you for posting your skills.

[@SideHustlerInvestor]

Thank you Ramit! I'm on the long (slow) investment game and trying to do it using side hustles so I can invest more. Appreciate the playbook! I do some of these already and with this playbook several holes I have on my investment strategy will be filled. Thanks again!

[@michelem226]

I love this philosophy. We are mostly doing this in our household already.

[@Notused2024]

The power of compounding is insane, I've been investing for 3 years now and this month I've earned more money from my investments than my job

[@charlesramson1643]

what has been your investment strategy?

[@AnnieVip2627]

I watched this video and now I have an savings account, investment account, and travel savings in only six months. The most important thing is that now I have a habit of saving and I track and plan my finances. Thank you!

[@punit213]

Ramit thank you for being an amazing mentor! After an expensive Indian wedding I’m starting over from scratch at 33 years old, is it too late for me to reap the benefits of investing? Wish I got started in my 20s when I had the chance

[@ramitsethi]

Nah, you'll do great. Follow the system and spend/save/invest consciously.

[@punit213]

@@ramitsethi thank you sir! Your book , channel and podcast have been an amazing resource for me trying to get my life back together!

[@pratikpatel7114]

I am a big fan of you Ramit.I have also read your book "I will Teach you to be rich" about 2-3 times. So Thank you so much for sharing. Started implementing as much as I could possibly grasp. Still new into investments though. I have few questions about 401(k) and Roth. Just for curiosity, how can someone invest in 401(k) and roth without employer match? What would be the limit? Fidelity I know has a limit of 7k per year versus IRS site that shows 23k per year. Can you please clarify that or make a video about 401(k) and roth that illustrate from scratch for unemployed and employed people? Thanks again. Really appreciate it.

[@MTN99999]

Man this crazy I call this the money game infinite glitch and I had to learn everything you stated on my own over multiple years abd I pass the playbook around almost identical to all your steps and it served me right. I have been at this game for 25 years now and you have it condensed in 25 minutes Wow Bravo! If you out there and don't know how or where to start when it comes to the money game do this NOW! You will thank yourself later! Bless BTW I just Sub. So +1 Keep it up Brother!

[@jenifferalburquerque4621]

I love how passionate you are about money. Your perspective is realistic and practical. Thanks to your tips I’ve been able to pay off 11k in 2 months and I’m still enjoying life without feeling deprived. So thank you!!

[@ibadrehman4967]

Very practical and easy to understand advice. Thanks a lot

[@ramitsethi]

Glad it was helpful!

[@dwightk.schruteiii8454]

18:22 can you please break this down for if you get paid every two weeks?

[@TheSinisterCurse]

Thank you for your video. That would be 38.1% Fixed Costs 14.3% Longterm Investments 23.8% Savings for House Renovations 23.8% Guilty Free Spending Money Nevertheless I cannot find an amount I'm feeling good with.. It's always like I save too little (I am currently at 16.6% 'guilt free' spending and about 45% savings rate). I guess the main problem for me is, that I have no idea what I really want to use the 'guilt free' money for. There are some things I'd like to buy but there's always that voice in my head 'you don't necessarily need that - better use the money for others or for savings'.

[@juliajablonka5417]

Live and enjoy your life! What you gonna keep saving for if you cant find happiness with your money and spend it guilt free? No point.

[@MyRay101]

Hi Ramit, we've just discovered your channel and love your advice. Although we live in Australia and retirement funds are quiet different, we have set up automatic salary sacrifice of our pre-tax pay to save into our Superannuation funds (and hence save on tax). We are both in our mid 50's, debt free and have, what we thought, a solid retirement plan. Your video has helped us a lot - even though we can save and invest with the spare cash left over, I found that I spent too much on "guilt-free" spending on hobbies we love and should funnel more money into investments since retirement is creeping up on us quick. So, fantastic advice, even though we live in a different country. We also started a business (I still work full-time) and my wife manages it on our behalf. The business is based on the thing she loves and has been running for over 7 years. Debt free business and generates a 27% profit margin (this is after the business earnings pays my wife a decent salary!). Thanks so much for providing such an insightful KZbin channel!

[@truh_von_tay]

S/on Ramsey & all the other financial teachers but this man just got the title. Thanks for showing the world true of the old saying "it’s more than one way to skin a cat” or as I like to say it "its more than 4 ways to get somewhere”

[@TroyBlyden]

So valuable. Thank you

[@krazypersoneast]

Thank you, Ramit! This video was incredibly helpful and to the point. As someone who isn't very financially literate, I found it very informative and easy to follow. I'm excited to start applying it :)

[@excitedaboutlearning1639]

Pause the video and go step by step like one or two major things a week.

[@BenDonahower]

Sorry for the stupid question, but wondering where you got the sweatshirt? I have been looking for a 'dressy' sweatshirt and I think your's hits the mark. Related comment. Where I struggle is the guilt free spending!

[@connormcchicken5915]

Uniqlo

[@Historyteacheraz]

The best way to become rich is to start investing at a young age. A Teenager’s Guide on how to Invest Like Warren Buffett and Charlie Munger is a great investing book for teens.

[@joysonmenezes2158]

Thank you for sharing your philosophy! I am trying to budget for my family of four along with parents who live away from us. Could you please share advise which accounts for: 1) kid's daycare 2) providing financial support to parents 3) savings for kid's education 4) personal savings 5) monthly expenses Thank you :)

[@ramitsethi]

I recommend iwt.com/moneycoaching for these questions

[@roxannegonzalez5223]

Great information

[@fridayvibe-in]

Theplaybook so useful. Opening for new way to investing. Thank you

[@lorenzo6899]

Hello what advice can you give someone who is low income?

[@smithdavis1362]

it's wise to redistribute your capital to mitigate risks during market fluctuations. Consulting a financial advisor can help simplify this process.

[@ryanthompson8256]

Who is your advsor?

[@smithdavis1362]

‘Laura Grace Abels’ is the licensed advisor I use. Just research the name. You’d find necessary details on the web to set up an appointment.

[@shanebagel]

Bro is doing the lords work

[@ebm25]

Thank you for sharing your knowledge, Ramit! How can I apply this method in Argentina? Thank you again! Take care 😊