Money Expert Reacts to Finance TikToks

[@Beautybytracilei]

I love Ramit’s style of giving advice. Never condescending or insulting, just smart, focused and empathetic.

[@jvh22a]

I just found his channel a few weeks ago. I love his style to.

[@discoveringhealthandfinanc8328]

Yes!!! That's why I love him. He never makes me feel ashamed.

[@victorcretu7741]

When someone tells you "I will teach you....", the implication is that you are the "stupid" one.

[@traciblanchard7838]

@@victorcretu7741 There’s a big difference between being uninformed or lacking in knowledge about a subject and being stupid. Stupid has a negative connotation and means unable to learn. I don’t think anything about the way Ramit teaches has that connotation or implication. Instead, his style takes the tone that we all have the capacity to learn how to be rich and he is patient and happy to show us how.

[@victorcretu7741]

​@@traciblanchard7838 It's not about the style. It's quite pretentious for someone to declare that they can teach people to be rich. How can they do that? Are they genies in the bottle able to grant 3 wishes?

[@anamaniac]

Regular watcher here but I think that last video review was one of the most insightful, nuanced and empathetic statements I’ve seen Ramit make. Thank you for the great content.

[@malltours]

"Having money doesn't make you morally good. Having money just means you have money" Thank you.

[@Trackpad12]

@@malltourssaying tax the rich and calling people racist doesn’t either

[@ari333prod]

​@@Trackpad12what wrong with calling racist people racist? and whats wrong with believing you should tax the rich more? jeff bezos pays less in taxes than the average person

[@Trackpad12]

@@ari333prod what’s wrong with working for your own money? What’s wrong with not being a parasite to society?

[@BobTheTrueCactus]

​@@Trackpad12 If you use public streets and infrastructure, personnel that has been educated using public money etc., but do everything shady trick in the book to avoid paying taxes, you're being a bit of a parasite .

[@SantoshPichai]

Something poor person would say

[@Friendlyfish-p2g]

This. The whole video is great, but I *especially* appreciate Ramit's assessment of the 4th guy (20:33). Really highlights the difference between the way Ramit operates - respecting his audience and trying to help them- vs this other, way too common approach, where you just try to get people angry, embarrassed, and vengeful so they'll be amped up enough to buy whatever bullsh*t you're saying without thinking about it. I wish there were more people across all aspects of society who approached things like Ramit.

[@nomaam5891]

Ramit is such a class act! I love that he calls BS when he sees it. I love that he stands on business. I’m a fan because he has helped me get my finances on track. Thank you for being you!

[@sparkymularkey6970]

He's great! And, honestly, I love that he doesn't shame people for wanting to buy a coffee or go out to dinner.

[@Raofin]

I did same during COVID: Done my research from home > Decided budget, Year, Make and Model > Contacted multiple large dealerships > Negotiated price and terms > Car delivered at my door from another city > Checked everything and test drive > Signed and its mine. Most proud purchase ever!

[@margowieschhaus884]

One thing I appreciate about Ramit is that he never puts people down for their age; he critiques their content alone. TikTok #2 here is Exhibit A. I’m a fan.

[@factorfitness3713]

TikTok #2 - I'm not sure if that creator had an agenda, but damn if she wasn't either deeply confused or misinformed.

[@shirobuta]

Everytime I see Grant's clips, I always feel that guy is just so devoid of happiness and full of emptiness.

[@annmarienguyen1000]

Agree. Sad commentary.

[@factorfitness3713]

Who knows how he really feels about anything, but his character schtick is straight out of the 90's Dr. Phil playbook - and they're both grifters. They tear down and insult people to make them susceptible to their message and then sell themselves as the only solution to get out of the rut that they just convinced you that you were in. Maybe that works for some people, but they're not in it for you, they're in it because they believe that you're what they tell you you are - a sucker.

[@meekbeing]

Yooooo... the money advice was DOPE...but, as a Black Man... what spoke volumes was the TRUTH you spoke on about the Prison system... people play in your face these days and tell you that "THINGS" don't exist or "STOP BEING VICTIMS"... you said it sooo perfectly when you used the phrase "People have been Rounded Up For Decades and Generations and put into Prisons!" Thank you Ramit for that statement because I know you KNOW that 80% are black on a State or Local level and 35% are Black on a Federal Level. Keep the vids comin' Bro! #My2Centz

[@shyboy599]

Stop commiting 50% of the crimes

[@thegrantkennedy]

“Know the rules of the game” is just solid advice for anything in life

[@pavelm4484]

25:14 Love that you called him out and had receipts for it. Just beautiful to see

[@TheMetalGaia]

Same! When he brought out that deleted video I was like...DAMN RAMIT AND TEAM GET HIM!

[@EhteshamShahzad]

CDs suck. They scratch up easily, and your music player struggles to read them. Good thing we moved to all digital.

[@joycef8443]

😏😏

[@skunkman62]

CDs Nutz

[@buckibanker]

Unless you get them from Columbia house, then they are free lol

[@KF-ew2fz]

"My CDs are in a portfolio called Case Logic... and the Case Logic portfolio is in the backseat of my car."

[@CB_4216]

@@KF-ew2fzI still have my Case Logic case filled with CDs from the 90’s and early 2000s. It is faded gray from the sun but I just can’t get rid of them ha. It reminds me of better days.

[@aas55]

“I was able to quit my job with all the money I made on CDs” - literally no one ever

[@BelleDividends]

What are T Notes? 😂😂😂

[@bossman4799]

Yeah that was just ridiculous. I work in banking and some of the CDs people open or keep renewing confuse me. Some make sense for sure, like much older customers with very large CDs. They need the stability since they’re retired, but someone in their 20s would be better off just putting it in the market and pretending like it doesn’t exist.

[@ashwinsridharan9834]

@@BelleDividends Right?! Crazy! Everyone has a right to their opinion but if she is that ignorant she should keep them to herself!

[@MsSphinx91]

​@@bossman4799I think they made more sense when interest rates were a lot lower, but definitely not now. But banks really push CDs so I think people are just more familiar with them maybe?

[@FIREownyourtime]

My parents put their entire retirement savings in CDs, over the course of 20 years, inflation eroded the value of their money in 1/2. The risk of inflation is higher than losing in the stock market so long that you have a good idea on how stocks work and don't sell out as soon as the market drops 20%. Had a colleague that sold everything and moved all her retirement funds into stable income at the 2022 downturn. She was so happy she did that. I told her it was a bad idea. She missed the gains in the past couple of years.

[@aas55]

Grant Cardone gives me comic book rich villain vibes. No thanks. I’ll stick with my 9 to 5, spend less than I make, and teach my kids the value of education.

[@TheLethargicAge]

If Grant Cardone is making so much off real estate, why is he trying so hard to sell you his RE investing course online?

[@Oakley5100]

Grant Cardone said that anyone making $400k a year is a failure because nobody can live off of so little. He's a classic grifter.

[@skatershaner]

There's a reason why the millionaires in the Millionaire Next Door study encouraged their children to get a solid education and get a normal high paying job, even when the millionaires made their wealth through business. It's because they know how difficult it is to build a lucrative business.

[@JAH-iu3yh]

Yeah what a dick

[@fonz-ys6xu]

GC social media style is spews for views. Says outrageous almost inflammatory statements to get people to comment and keep the algorithm churning. I'm not a fan of him at all. He has 1 good interview out there with Lewis Howes. It was the most "normal" GC has ever come off as. He was way more tame, yet still not likeable. Just my opinion.

[@chriscarmona7725]

Bro I don't just fucking love your content, I fucking love you as a human being. Keep on keeping on, my dude.

[@lacyevans7140]

Your responses to Grant made me value everything you speak on so much more. You are appreciated!

[@starlightwaters1]

My parents had this older gentleman that passed away next door to a property. in the neighbor's will, they wanted to offer the property for sale to my parents first before anyone else. His son went to a realtor and told my parents that they were getting offers of $150k for the property so that's the market price. My dad was ready to pay, but my mom is quite knowledgeable about properties so she said there's no way it was worth that much. She went to the public assessment records and checked that the property public records indicated the property was only worth I think 40-60k. Then they went back to the son and realtor and presented the evidence that it was nowhere near 150k and if someone else wanted to buy it they could. Then a few weeks later, they came back and cut a deal with my parents for 60k on the property.

[@Mama2CDHsurvivor]

The Assessor’s value is usually not in line with current market values as the assessments generally occur every two years. However, I’m glad this strategy worked out for your folks.

[@kenziedicken9512]

i did my car shopping at home. only went to test drive as formatlity. took some time but was able to find the perfect vehicle w all the bells and whistles i wanted and safety checks at an amazing price. this is the best advice ever!

[@skatershaner]

Ramit, thank you for the deep cut perspectives on personal finance. You're genuine and top quality. Your content is so refreshing because you focus on the PEOPLE!!! Keep it up!

[@TheRailwayDrone]

My favorite part of this video is "Grant, you should be ashamed of yourself." I watched one of his videos in the past and was immediately turned off.

[@dylanschang6386]

Grant thinks being poor is a moral failure, very telling

[@bagel_bandanna]

Grant who, lol.

[@plushie2007]

Grant is not in tune with regular people. He thinks making less than 400K a year is shameful. He's worse than an insult comic.

[@adrianalozano4967]

Ramit is so humble! The world needs you. As I struggle through accepting my own financial decisions and responsibilities, I appreciate the honesty, support, and humility!

[@ST-wo3uw]

Yes to comments at 18:20!! Social media has destroyed people's finances! If you're not saving up to pay cash for your Insta vacations, YOU CAN'T AFFORD IT, PEOPLE!!! Makes me sick to see all these people pretending to live these luxurious lives without telling you they are stressing about being 10s of thousands of dollars in debt! Stop the 'keeping up' comparison nonsense!

[@katemiller7874]

Never pay cash for a vacation. Put it on a card in case something goes very wrong with the trip. Hotel overcharges you or whatever. Then you can pay it when you get home.

[@AmtrakandAWVRFan]

@@katemiller7874 I think “pay cash” in this context means paying it in full. It is generally best to use credit cards to pay for trips. I do so myself with a travel card that earns good rewards.

[@batking911]

I knew a guy (sadly now passed) who had been able to quit his day job by buying CDs. But they were the compact disc kind that he resold on eBay and Amazon Market Place!

[@marias8007]

Paying your future self is a great line

[@yoyovel]

Thank you Ramit for all your good advice, I am from Bogota Colombia, and even though some of your advises (ROTH IRA 401k, etc) does not apply to apply, your teachings have made me invest responsibly while living my rich life today! Hope this message reaches out to you.

[@CompleteHealthControl]

Massive massive insight - There is a systematic approach to belittle the middle class and make it seem like failure. Dang that hits home. Instantly made me realize that I got engrained with that idea 20 years ago. Like somehow having a comfortable house and car to live in and drive, and having some hobbies and a job that is with good people and makes money to pay the bills and save a bit is all somehow a huge failure. I'm going to be thinking about this a lot!!

[@mimifoote4879]

Oooo I love the tea in this video. I love and respect your videos ramit! You take multiple viewpoints and break things down. I appreciate these!

[@Seano88]

The first girl saying not to buy stocks has also green screened herself onto a fake background. That is not her room.

[@stellacalder5023]

After hearing her talk, I think the fake background is to hide her empty liquor bottles.

[@laineym2237]

Recently bought a brand new Toyota and did the same technique (but with emails). Did research, test drove it, knew exactly the trims and everything, sent an email to all dealers in the city and asked for them to give me their best price and the wait time. Since there are so many wait lists all of the dealers wouldn’t give me a deal, except for one! Went in a day later, put a deposit down, waiting 5 months now and plan to pay it in full upfront! This works in Canada too

[@calypso662]

Did Grant Cardone just say he targets people an a racial basis and talks to them like they’re less literate? It’s giving racist grifter and reminding me of the pre-2008 subprime mortgage behavior

[@Trackpad12]

@@calypso662 aren’t these the tactics of Kamala? Pretty sure she changing her accent on every town she visits

[@aas55]

@@Trackpad12nope.

[@Trackpad12]

@@aas55 you can google it.

[@brandondelgado7731]

@@Trackpad12no. I’ve listened to several and the woman talks the same. Changes her tone based on the conversation but not her overall language or grammar

[@americanincanada5302]

Yeah, I mean the whole Democrat operation is based on you need our help and a leg up. I know Ramit is a progressive, but he should know better than to be hypocritical when it comes to this issue since his party owns it. He should have just skipped his feelings on the video in that instance.

[@pjwisnieski86]

Deeply appreciate this channel and the empathetic messaging Remit weaves so beautifully throughout his content. Lifetime follower here!

[@maijaelysian]

The notion that college is a “prison” or a scam never sat right with me. They tell people to start a business instead when lots of people don’t have the resources such as MONEY or connections to fully sustain themselves. And don’t get me started on 9-5s, a great tool to have stability, and others but instead it’s demonized.

[@blurrydog1]

Just like literally everything, this discussion needs nuance. Some people thrive in school and careers that require school and some don’t. And, it’s so important to know WHY you’re going to college/uni! if you go there with no goal in mind you’re sure to waste your time.

[@maijaelysian]

@@blurrydog1 agree, I encourage college 100% but I always say if you’re undecided as a major. You should not go.

[@katemiller7874]

College is great if you pick a great major otherwise not so good.

[@user-bg9em7ch6k]

@@maijaelysian it also depends on the cost of the degree-some degrees, at some schools, can truly never be paid off through working in that field…

[@JeanMarceaux]

College is just like prison y'all. Prisons are notorious for requiring you to attend for a couple hours a day and then you get home, get to chill around with your friends and whatnot, and they give you a diploma after you "did your time (and you want out)" © Corey Slipknot. So similar, really.

[@RockyMountainGardener]

I really appreciate your channel Ramit. My family is a high income family. We earn over 300k a year but we're spending less than a third of that and putting everything else into savings and investments (which after taxes is around 50% of our pretax earnings). Probably no surprise but we both grew up in lower income families. My dad lost his job when I was a kid and my partner's dad passed away. So we're very fearful of an unexpected life event that could complete upend our lives. So many channels miss the psychological aspect of money. The good thing is that we have a house that's paid off and are well set up for retirement. Your channel has made me realize that we could be enjoying life so much more now and we're going way overboard for retirement savings even if we retire early at 55. It's going to take a big mindset shift but the first step was realizing that we're okay and can spend more now.

[@FunStuffBuddy]

Talked to a neighbor and I mentioned the word investing… they reply “oh yea, we know everything about investing already. We got our money invested in CDs.” They are in their late 30s/early 40s. I immediately shut down and stopped talking since they already knew everything.

[@BelleDividends]

🙈🙈😂😂

[@cococolonel]

Any word after them proudly declaring that is for entertainment purposes only. Like a sitcom or visit to the circus.

[@katemiller7874]

You should have done the neighborly thing and gave them good advice. Instead you chose to be an….

[@FunStuffBuddy]

@@katemiller7874 You’re missing the point. They didn’t want my advice. They already knew everything and were adamant and “confident” they knew what they were doing. No point in getting into an argument about it if they are happy with their choices.

[@raaaaaaaaaam496]

If you were a good friend then you would sacrifice your relationship to save their financial future.

[@ohhsnapitsharley]

Nobody is better at seamlessly including an ad than Ramit

[@Faben202]

👏👏👏👏 That first guy gave excellent tips and it's also what I've done previously. My first real job in the US was on the sales team of a new car dealership, a job I held for less than 6 months because I couldn't stand to watch so many people be manipulated and intimidated into making terrible financial choices. I once saw a guy walk in looking at a $28k car with bad credit, and by the time he left he had signed on for a $900 payment for six years, and the salesman and the finance manager high-fived after. It was borderline criminal. The less time you spend at the dealership, the better.

[@exxology1]

Wow he will end up paying more than 60k for that 28k car!! That’s so painful. Should be criminal for sure.

[@Faben202]

@@exxology1 It was awful and it was the last straw for me. I quit a couple of days later without having another job lined up.

[@robertasweeper2045]

Get financing outside so you go in ready to buy

[@tomaszp2027]

An excellent tip would be "buy used, pay cash", this was just a decent common sense tip.

[@user-bg9em7ch6k]

@@Faben202 because you’re a good human being!

[@badassnewbie]

Growth emergency fund CD video is so absolutely unhinged that it's gotta be satire. "Whats a treasury note?" Good stuff.

[@shanewachlin]

I admire you Remit. From where I am standing, you're an amazing human.

[@BelleDividends]

I like these "Financial Advice Reviews" videos. I like the couple's finance therapy videos a lot as well.

[@edwrrd_yiiz]

"We are all susceptible to Marketing" That's gold.

[@josephlabranche4889]

I like dave approach "If you will live like no one else, later you can live and give like no one else" I know it not for everyone but it works for me

[@milivaro]

Unless you drop dead and don’t make it to later lol

[@josephlabranche4889]

@milivaro dave plans take an average 7 to 10 years so yes if you start at 50 you might be dead but start at 20 and you be good by 30 and even better at 50

[@youtubelw7092]

Wow I have so much more respect to Ramit. Especially after the Grant talk

[@lowlowseesee]

hot tip: the same way you can run a bidding war to get dealerships to fight for your business is super similar to how you can get employers to go through a bidding war for your services when starting a new job. you can also do this in dating but you dont need to start a bidding war of course but just doing research and being open about what you want can go a long way. essentially each situation is about self advocacy and boundaries

[@laurenwoods6058]

Just when I think there is no way to like/respect you any more you go and make this video! Standing ovation to you good Sir!!!

[@lilyhong7293]

8:44 Ramit's face hahahahaha. I was walking around my house while listening to the video playing. As soon as I heard no investing in stocks, I knew I had to come to the screen and see Ramit's reaction myself. I was not disappointed, lololol.

[@JustSomeRandomGuyYo]

I for sure thought she was going to uno reverse and it was going to be good advice about investing in index funds because most people can't beat the market picking stocks. If it was a bad video I assumed it would be to buy IULs or pitching a Real Estate course, "Just get CDs" was not on my list of possible bad advice... that's a new one. And then to get it wrong and be like these are great for emergency funds? I mean, no penalty CDs are good for emergency funds but a no penalty CD is really just a HYSA in disguise. Also for like "we are going to buy a house in 3 years" it could also make sense to use a CD. Me personally, I would just put that in a MM or HYSA and keep it liquid in case of an extended lob loss or something.

[@namjooniejoon6814]

just found your channel and this video made me a fan fr. i want to take my money advice from people who make sense AND have a working heart and empathy, thank you very much

[@robincaldwell2068]

another great video - I'm 67 and can say his advice WORKS! I want my children to see and follow his videos

[@maniacbg]

last 7 min is pure gold. Well done Ramit!

[@mikeblackfordFit]

Hey thank you for all you do I’ve read watched and listened to a lot content but recently after hard thinking with your ideas i know where to start and how to do it You’ve absolutely changed my life

[@EllieofAzeroth]

I will always love your down to earth and humble approach to being wealthy. Your commentary on the goon at 20:34 stunned me. No matter what background soemone has or what class they are in, you are always so respectful. Love that

[@briansager3744]

Right now, with high yield accounts right around 4.5%, it makes no sense to put money into a CD.

[@mmsutantowrites]

Thank you Ramit! I always love your level-headed, good advice.

[@FreedomPlaya]

Amazing advice re: buying a car. I’m glad I made my recent car-buying decision this way.

[@EndoExcision]

“Comparison is the thief of joy.”

[@hannahisraelsen6816]

“Wealthy are taxed more, including me!” Thank you for being one of the few selfless and and big picture wealth influencers

[@davidk4682]

Excellent video. Loved how you broke it down systematically. Some folks online are just morally not right. Is the way of the world sad. Keep on doing great videos; these are really good. 👍

[@elifreiman8787]

The last 6 minutes of this video turned me from a casual fan into a real fan. Great ending

[@nikitajoshi5890]

Im obsessed with your mindset. Ive leveled up 575458x cause of videos like this

[@roguestowl2280]

When I bought my car, I sold my previous car before I walked into the dealership. I emailed a few dealerships asking if they’d be interested in buying the car I had, got some quotes and sold it to the highest bidder. I got a great price.

[@mirandasiegersma7208]

DAMN - Ramit pulled out the receipts at the end!

[@Erinle_creates]

Ramit! Thank you. The Grant analysis is really beautiful. A lot of teachings I see online either sounds foreign or vague to me, but I easily connect with your teachings. I'll work towards buying your book as a Christmas gift to myself. Thank you very much. I love how you connect empathetically.

[@evilzzzability]

It's alarming how Grant Cardone who was once fairly sensible has now gone full shill.

[@dreezie4088]

Money changes people sometimes

[@plant4table]

I used to like him, now he's just disgusting.

[@mohamedosman2613]

Ramit for president!! 🇺🇸🇺🇸🇺🇸

[@VictorBen-g9b]

I will be forever be Liable to you, you have Transformed my entire life and I continue to preach on your behalf for the whole world to hear. I used to trade on my own but with your help i now make profits using long position and short position strategy. Thank you Angie Chen Owens

[@JaeyoungPerry]

I'm surprised that this name is being mentioned here, I stumbled upon one of her clients testimonies on CNBC news last week...

[@BensonGStansbury]

Angie Owens strategy has normalised winning trades for me also. and it's a huge milestone for me looking back to how it all started

[@JuelJuel-b9u]

You trade with Angie Owens too? Wow that woman has been a blessing to me and my family.

[@DarwinBunch]

As a beginner what do I need to do? How can I invest, on which platform? If you know any please share.

[@WelfareDepartment-xy2db]

The first time we had tried, we invested $1400 and after a week we received $4,230. That really helped us a lot to pay our bills.

[@kvaneaa]

Tik Tok and financial advice don’t go together, period

[@saltytbone]

That CD Tiktok melted my brain. "This Tiktok has been sponsored by Werther's Original"

[@nanaoftheyaw]

I don't know you. I don't know your life, but I appreciate that you have retained your morals and have not let wealth and money define or compromise your values

[@CitAllHearItAll]

Honda Accord V6 for life!

[@mmbarbon2955]

Dont forget Toyota Corolla.. 200k miles and still no repairs - 2006

[@spartan662501]

I think CDs are only useful in a very limited set of scenarios. You can use them if you have a scheduled, relatively large expense or purchase that you have to put money aside for that has not already been invested. For example, if you are intending to buy a car in a year and you want to put aside 10k specifically for that purchase, a 12 month CD can work. The issue is that CDs typically don't give you much more than a high interest savings account so the return you get for locking away your money is pretty minimal.

[@aadityagupta250]

I saw Grant in the thumbnail and I immediately knew which category his advice was going to be in 😂😂

[@jonasking3670]

That’s weird. My thumbnail had the guy talking about car dealerships. He must be changing them over time or there is some A/B testing going on.

[@MariaCarattini]

Yeah! Finally I am here early. This are my fav videos lol

[@Synaproboi]

Dude explain Everything the best way possible

[@unicomfi]

I love Ramit’s whole financial planning concept. Genius! I’ve learned so much from his KZbin videos! ❤

[@TheSharmam]

I defnitely agree with the comparison comment. We can definitely see the big houses, fancy cars, designer bags, but what we dont see is their bank acocunts, investments, credit card debt. and what I have learnt so far is, don't believe in everything you see. : live your own rich life. for me, it means renting (even though we have kids and pretty good salary, sending my kid to activities, good education , saving for retirement), I still own the same furniture I used to when I was single, buy thrift for kid and myself and am a kirkland girlie all the way. I just do not find value in showing off. My success, joy and money is for my family.

[@StylinSis3189]

You're doing it the smart way!

[@bradtrades]

As far as people I admire, Ramit is high on the list. It's the reason I bought an extra copy of his book and sent it to a favorite nephew.

[@nousernamesarevalid]

Here’s the thing about cars: go and test drive and don’t buy. I found out so many great features about cars that was not available online. Then it helped me figure out what car I wanted. I also met people who had the same car as me that didn’t know about great features. You just have to have a friend with you and willpower. Even go with a friend with them saying they’re looking for the car.

[@wheneveleftadam]

Remit, you are the best. I hope you can continue your work of saving people from disastrous financial decisions for a long time.

[@katalinaradi7472]

This is the first video that i watched from you but i subscribed immediately cause i like how you explain everything. I live in the Uk but i think i can learn from you. Thank you.

[@DeniseSkidmore]

Manufacturer websites are golden. Spec out the car you want, know the price, walk into the dealership with a printout of the car you want and the price you're expecting to pay. Ask for what's in stock that's similar, test drive only what's in your budget, it's easy for the dealership to give a misimpression of what features are similar to the one you actually are getting.

[@Michael-mo6gx]

I bought into what Grant Cardone sold back then until I realized I was poorer, more stressed, and less confident in myself.

[@xlerb2286]

That first one is pretty much how Dad bought farm equipment. He'd tell the dealers what he wanted, said he was serious about buying, and asked for their best offer. Best deal (not necessarily the lowest price) got his business. A lot of surprised salesmen spent considerably more time putting together an offer the 2nd time. When Dad called them back to say he wasn't taking their offer as he had a better deal elsewhere and they tried to negotiate Dad just said "what part of 'your best offer' didn't you understand", and hung up.

[@ElisaAvigayil]

Wow Ramit, you come across as a good, decent person in this video. Isn't that something we all strive to be?

[@IQLion]

Whenever we went to buy my wife's car, we split the shopping experience into 2 parts: exploration, then research and purchase. In part one, we just went to several different dealerships, in fact some of them were extremely overpriced. She got a chance to test-drive several cars, figure out the brand and model she wanted, so she is happy with it. For part 2, I told her that I will find her the car at a good price. I went through and ran all the numbers on trade-in, any add-ons, etc. Then I start calling and emailing dealers in our area to see what they had and at what price. It took couple week, but we found her the exact car she wanted at a reasonable price and we were even able to get extra couple grand on her trade-in.

[@ElisaAvigayil]

Agree. Telling people to never test drive a vehicle is crazy.

[@anastasiatrushkinaxelrod6544]

Love that you mentioned that people can take your book from library! 😊

[@lianalonge1984]

His book has great information and is written in a manner that keeps your attention!

[@sarah345]

I bought a new car for cash. I looked up what I wanted online, decided what options I wanted (none) and gave myself a pep talk about not getting talked into the expensive extras and bad warranties. Then I emailed a bunch of dealers for quotes and went with the cheapest one. When I walked into the dealership, I got the car I wanted at MSRP (they tried to add all types of etching, rim protection, window licking fees but I just said no). Then once we signed the papers they pulled out the finance application and I told them cash. I don’t think they liked me very much.

[@raic5]

a rich guys that believes and agrees with progressive taxes, I found my unicorn

[@jacobkummer2067]

A lot more of them believe in it than you'd think

[@raic5]

@@jacobkummer2067 nah panama papers, lobbying against corporation taxes and fighting unions is the usual

[@jacobkummer2067]

@@raic5 Correct... What I said doesn't disagree with that. That is the normal. But Ramit is NOT a Unicorn. There are many more that believe that, but your correct, it's still not the majority. But it's more than you'd think.

[@R._L.]

_Progressive tax_ systems are deceptively *unfair.* One only needs to properly investigate them, and run the numbers, to find out.

[@KismetAudio]

Love that intellectual rigor :) Thank you Ramit!!

[@pn4640]

Actually best time to buy a car is in august because they are clearing the lot for next years models…yes and I am a woman who is a car enthusiast, I live in Canada and I flip 🚗 yes you got that right…December they already have cars for the following years model…even in august they are hitting a quarter.

[@SixthSenseSynesthete]

On the second TikTok: If she claims she made $500k by age 24, there's simply no mathematical way she got there by earning a measly 5% APR on a CD using (presumably) savings from a corporate salary. Complete lie.

[@zackcinq-mars2129]

Nah she sells CD's and pockets the difference by investing the rest into stocks /s

[@HungryOrca]

The CD video gives the same vibes as those posts that say “Don’t forget to put sugar in your gas tank to keep it from freezing in the winter” 😂

[@michaelw6277]

I don’t walk into a dealership unless I already know exactly what I want down to the trim level and options and a number that I’m going to pay. A good dealership wants to move metal as fast as possible so I always get really close to my target price.

[@fredjr213]

I keep a minimum of one month expenses in my checking, and a six month emergency fund in a HYSA and a offshore bank, along with three brokerage accounts.

[@mmbarbon2955]

62 yrs old, with only 1month emerg.. Investment distribution provide over a months worth of expenses..

[@kogi04]

Hahaha :D Ramit I love this content when you are ranting about TikTok influencers talking BS. Please do more of these! Thanks

[@johannab7715]

She is talking about CD’s but doesn’t know what treasury notes are 😂

[@DavidU0000]

Very informative! Also, I 100% agreed, with your take on Grant Cardone. I wouldn’t trade my moral values for his either.

[@tedinator2650]

I wanna know what website / application he uses when he's going through his CSP videos. I just found his videos tonight and the simplicity and appeal of those sheets/charts make me want to go through and make mine as I'm watching his videos 😂. He probably won't see this so if anyone else knows it could help me out that would be appreciated.

[@ramitsethi]

iwt.com/csp-youtube

[@ruudbanga7]

Loved everything Ramit said apart from the BMW hate. Don’t hate on someone’s idea of a rich life.

[@hrushikeshavachat900]

1. I drove only 2 cars (a skoda and a Volkswagen) as I had an issue in deciding which one to buy. I rejected around 5 cars from Honda, Toyota, Chevi, and Hyundai. 2. CD for emergency funds is the worst thing. What if i need them in the 6 months or 1 year when that funds is locked.

[@30andBoard]

Love these reaction videos! ❤