I Will Teach You to Be Rich: No Guilt. No Excuses. No BS. Just a 6-Week Program That Works
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- Type：Epub+TxT+PDF+Mobi
- Create Date：2021-04-10 10:52:38
- Update Date：2025-09-06
- Status：finish
- Author：Ramit Sethi
- ISBN：1523505745
- Environment：PC/Android/iPhone/iPad/Kindle
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Summary
The groundbreaking NEW YORK TIMES and WALL STREET JOURNAL BESTSELLER that taught a generation how to earn more， save more， and live a rich life—now in a revised 2nd edition。
Buy as many lattes as you want。 Choose the right accounts and investments so your money grows for you—automatically。 Best of all， spend guilt-free 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 he’s updated and expanded his modern money classic for a new age， delivering a simple， powerful， no-BS 6-week 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 no-fee， high-interest bank accounts that won’t gouge you for every penny
• How Ramit automates his finances so his money goes exactly where he wants it to—and how you can do it too
• How to talk your way out of late fees （with word-for-word scripts）
• How to save hundreds or even thousands per month （and still buy what you love）
• A set-it-and-forget-it investment strategy that’s 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 expenses—stress free
• The exact words to use to negotiate a big raise at work
Plus， this 10th anniversary edition features over 80 new 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 money—and then get on with your life。
Buy as many lattes as you want。 Choose the right accounts and investments so your money grows for you—automatically。 Best of all， spend guilt-free 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 he’s updated and expanded his modern money classic for a new age， delivering a simple， powerful， no-BS 6-week 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 no-fee， high-interest bank accounts that won’t gouge you for every penny
• How Ramit automates his finances so his money goes exactly where he wants it to—and how you can do it too
• How to talk your way out of late fees （with word-for-word scripts）
• How to save hundreds or even thousands per month （and still buy what you love）
• A set-it-and-forget-it investment strategy that’s 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 expenses—stress free
• The exact words to use to negotiate a big raise at work
Plus， this 10th anniversary edition features over 80 new 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 money—and then get on with your life。
Reviews
Cyrus Samii
，
Don’t let the annoying title deter you。 This is book offers a solid and thoughtful strategy for managing personal finances。 It should be pretty close to optimal for （“an 85% solution”） for most people， especially salaried earners。 It’s a step by step approach， starting the setting up your credit cards， then bank accounts， then savings automation， then pre and after tax investing， and finally preparing for big expenses like weddings， cars， home， kids education， etc。 The investing advice is to sti Don’t let the annoying title deter you。 This is book offers a solid and thoughtful strategy for managing personal finances。 It should be pretty close to optimal for （“an 85% solution”） for most people， especially salaried earners。 It’s a step by step approach， starting the setting up your credit cards， then bank accounts， then savings automation， then pre and after tax investing， and finally preparing for big expenses like weddings， cars， home， kids education， etc。 The investing advice is to stick with index funds， and he offers both a totally hands off and more hands on option。 。。。more
Kara
，
Another book that I started recommending to EVERYONE before I finished it myself。 Truly go and get yourself this book right now。 Especially if you’re committed to living your dream life。
Carolyn Clayton
，
Underwhelming
Taylor Ball
，
I loved this book！ It was straight to the point， easy to follow and inspiring。 Rather than making readers feel bad for starting their investments late， the book highlights the benefits of compound interest and encourages you to start now without making you feel guilty for past actions or lack thereof。I ended up knowing a lot of the advice in this book because it turns out that my parents have been preaching the ideas in this book since I was little and it worked out for them！ I’m glad I read the I loved this book！ It was straight to the point， easy to follow and inspiring。 Rather than making readers feel bad for starting their investments late， the book highlights the benefits of compound interest and encourages you to start now without making you feel guilty for past actions or lack thereof。I ended up knowing a lot of the advice in this book because it turns out that my parents have been preaching the ideas in this book since I was little and it worked out for them！ I’m glad I read the book as it provided actionable steps rather than just a finance philosophy。 My only criticisms are 1） it’s very American centric and focuses on the US investment and savings options and 2） that it’s a quite repetitive。 I think it’s repetitive because it’s meant to be read over 6 weeks rather than 4 days - whoops！Anyway， it made me feel empowered and educated about my finances。 Plus， the book makes you feel ~~special~~ because who you’re ~~different~~ from everybody else because who reads a book about finance？ Haha I’ll definitely be recommending this！15。2 hours 。。。more
LAtUenI
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Really difficult to read due to the obnoxious style of the author and an over-reliance on testimonials， jokes etc。 while not showing much research beyond what you get in Internet articles。 Some useful advice if you are young and don't know much about stuff like credit cards， retirement accounts， online banking or even negotiating with your service providers。 The title is quite misleading in that it is not a "be rich"， rather a "get rich" （slow and steady， to its credit） book， like countless othe Really difficult to read due to the obnoxious style of the author and an over-reliance on testimonials， jokes etc。 while not showing much research beyond what you get in Internet articles。 Some useful advice if you are young and don't know much about stuff like credit cards， retirement accounts， online banking or even negotiating with your service providers。 The title is quite misleading in that it is not a "be rich"， rather a "get rich" （slow and steady， to its credit） book， like countless others， i。e。 teaching the basics of personal finance with not much added value aside from being a decent compilation of standard good advice。 Not to make it an ad personam but I am also generally tired with young "entrepreneurs" - i。e。 people who made money by being charismatic and who don't even have that much life experience - offering advice on how to manage your finances throughout your life， it just makes the content shallow。 Try a book by an established author from the world of psychology or finance （eg。 Thinking Fast and Slow [for good research]， Die with Zero [for an original thesis]， The Psychology of Money [for both， and being concise to boot]） to see the difference。 。。。more
Kevin Luo
，
This was the second time that I have read this book and I still have gained so much from it。 Of all the personal finance books I have read， this one is amongst the best due to the fact that it gives clear and actionable advice in the 21st century。 Many personal finance books will discuss concepts about budgeting， frugality， and so on but to me， a relationship with money is far beyond just simple logic and ideas。 Most people know what to do and there are likely other reasons behind this。 This boo This was the second time that I have read this book and I still have gained so much from it。 Of all the personal finance books I have read， this one is amongst the best due to the fact that it gives clear and actionable advice in the 21st century。 Many personal finance books will discuss concepts about budgeting， frugality， and so on but to me， a relationship with money is far beyond just simple logic and ideas。 Most people know what to do and there are likely other reasons behind this。 This book discusses many of those （eg。 invisible money scripts） and combines it with modern advice （eg。 automating investing） to give really actionable and digestible advice。 I have implemented many of his ideas and it has really given me a lot of freedom to "live outside of the spreadsheet" and to focus on my life。 A highly recommended book。 。。。more
Mahendra Rathod
，
When it comes to money， everyone has an opinion - but very few have experienced it。 There are multiple ways of getting rich: Own a successful business， inherit， work as a top-notch CXO， win a lottery， invest in good portfolios， be a celebrity etc。 However， there is only one way to stay rich - discipline！Another important thing is the definition of rich。 It varies from person to person。 My definition of being rich - which coincidently is also for the author - is freedom。 Freedom to pursue my pass When it comes to money， everyone has an opinion - but very few have experienced it。 There are multiple ways of getting rich: Own a successful business， inherit， work as a top-notch CXO， win a lottery， invest in good portfolios， be a celebrity etc。 However， there is only one way to stay rich - discipline！Another important thing is the definition of rich。 It varies from person to person。 My definition of being rich - which coincidently is also for the author - is freedom。 Freedom to pursue my passion， spend time with family， switch jobs， take sabbaticals and indulge in few guilt-free expenses。This book focuses on how to stay rich - esp for the middle/upper middle classes。 The book covers good concepts of personal finance。 How to save money， how to invest， where to invest etc。 As mentioned earlier， this book provides simple hacks and information。 It is however up to the individuals to follow this with personal discipline。The book is written for American and UK audience。 So a lot of terminologies may be different for other countries。 There are quite a few books on personal finance。 However， this book is more relevant to the current generation due to its terminologies and context。 Basic principles remain the same though in all the books。 。。。more
Cormac D
，
This book will teach you the no BS ways to become a wealthy person by managing your money well and putting your money to work for you。You don't need to be an expert you just need to start。 This book will teach you the no BS ways to become a wealthy person by managing your money well and putting your money to work for you。You don't need to be an expert you just need to start。 。。。more
Zach
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Content:-Decent content for the beginner， nothing really too new-Does not cite his sources， clearly not meant to be an academic discussion/review of topics-Wordy， could have been fewer pages especially with fewer testimonialsDelivery/Style:-I think some people would think the tone of his book is humorous but I took it as a bit arrogant and patronizing -He also uses the book to market himself and his website which is logical but I was not a fan of it-Not a fan of the random boxes/columns that wou Content:-Decent content for the beginner， nothing really too new-Does not cite his sources， clearly not meant to be an academic discussion/review of topics-Wordy， could have been fewer pages especially with fewer testimonialsDelivery/Style:-I think some people would think the tone of his book is humorous but I took it as a bit arrogant and patronizing -He also uses the book to market himself and his website which is logical but I was not a fan of it-Not a fan of the random boxes/columns that would exist and interrupt the flow of the main text （might not be as jarring on a physical book but for ebooks it was distracting） 。。。more
Philip Anderson
，
I almost didn’t read this because of the tacky title， but I am glad I did。 Good refresher on general personal finance topics with a few new things as well。 Very actionable as well。
Stacy Taylor
，
The advice is decent， but there’s a way to communicate it without being a total ass to your readers
Nicole Marie
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Do you want to take care of yourself financially？ Then you should probably read this。 It may stress you out at times if you aren’t already doing a lot of these things but you will learn a LOT about finances。 I’m sure you will learn at least one thing you didn’t know before。 This book covers credit cards， investing， big purchases like houses， cars and weddings， money w/in relationships and so much more。 I could read it again and again
Sumon Chhetry
，
A great book for people who are struggling with personal finance and don't want to sacrifice the good stuff but want to live a overall better financial life A great book for people who are struggling with personal finance and don't want to sacrifice the good stuff but want to live a overall better financial life 。。。more
Quaeritor
，
Although Seti offers some sound advice here and there， his main advocated method seems to be saving money every month in a safe fund for 30-40 years。 And yes， if you save diligently from the age of 25 with an 8 percent return rate， surely you will be ”rich” by the time you reach 65。 That’s just。。。 basic maths。 Ramit Sethi， however， is 38 – and rich。 So clearly he himself has followed another （more risky） method that he doesn’t bother to share with his readers。 A word of warning also to non-Ameri Although Seti offers some sound advice here and there， his main advocated method seems to be saving money every month in a safe fund for 30-40 years。 And yes， if you save diligently from the age of 25 with an 8 percent return rate， surely you will be ”rich” by the time you reach 65。 That’s just。。。 basic maths。 Ramit Sethi， however， is 38 – and rich。 So clearly he himself has followed another （more risky） method that he doesn’t bother to share with his readers。 A word of warning also to non-American readers: The book focuses heavily on American conditions， and large chunks of text are irrelevant to non-Americans。 。。。more
Waqas Ishtiaq
，
I’m 15% done with the book and so far the writer is talking exactly like how any typical Indian speak。 Like the place I read where he is talking to Credit Card Rep to waive his late fee charges and the way he is saying is like giving order to the CCR rather than making an request。 I personally had same issue few months back where I was charged for late fee but I reasoned with the CCR in a polite way （not in “strength” approach） the guy understood and got my fee waived。 Narcissistic approach the I’m 15% done with the book and so far the writer is talking exactly like how any typical Indian speak。 Like the place I read where he is talking to Credit Card Rep to waive his late fee charges and the way he is saying is like giving order to the CCR rather than making an request。 I personally had same issue few months back where I was charged for late fee but I reasoned with the CCR in a polite way （not in “strength” approach） the guy understood and got my fee waived。 Narcissistic approach the writer have taken。 He have praised himself so much and in almost all chapters there you read in the middle after each section the writer have posted “readers review” how the book have saved their financial lives and etc。 Which I feel is totally necessary to mention i between chapters they all can be mentioned at the end or at the starting of the book。 This is the first ever book I intentionally put it down。 The writer is extremely annoying and I realised as an non US resident this book is no use for me at all。 I definitely not recommend this book。 Everyone have their own opinion but I feel this is the worst book to read on finance。 It might be helpful for some but how the writer is explaining in this book it feels like he is telling the reader we are bunch of idiots。 I don’t like his tone and his writing。 He openly bashing some banks which I personally have no issue but I’ve never came across any writer who does this。 Banking issue was also with Nike’s Owner Phil Knight but he addressed those issue in very decent way。 I read about 36% of the book then I was done with it and yes pay your debt that’s the only thing I’ve read in constant loop。 My review has been written as I went through the book so first 2 paragraphs are my experience of how I felt about the book as I was reading and last one I typed when I decided to put it down。 I hope this review help others and make a proper decision if they wish to read this book。 It’s a don’t waste your time for me for this book。 。。。more
Zaha Hyatt
，
Excellent book to have on hand for references。 Must read。 I am now going to venture on the website for more info！
Andrea
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Very practical， sets it all up nicely so that it is easy to understand while also teaching you a mountain of important life changing skills。
Austin
，
This is the financial planning guide I wish I had received when I graduated from college and entered the workforce！ There’s a ton of valuable information in here， and the earlier one can put these principles into action， the better off they will be in the long run。
Nick
，
This is the first financial book I've read so of course I like this one a lot。 Besides my obvious bias， I love how this book teaches the systems to implement in pursuit of a more robust financial life。 This is the first financial book I've read so of course I like this one a lot。 Besides my obvious bias， I love how this book teaches the systems to implement in pursuit of a more robust financial life。 。。。more
Josh Weilbacher
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4。5/5
Natasha Kery
，
I hate these type of books （along with self-help books）。。。 but wow！ They’re usually complex， goals feel unreachable by the average person， and end up more confused and stressed then when I started。 But this author breaks it down and keeps it so stupid simple along with humor and pure honesty。 It’s relatable and achievable if you have an open mind and can see past your own ignorance and learned thinking。 I actually gave myself a few “pats on the back” because I’ve already done some steps prior to I hate these type of books （along with self-help books）。。。 but wow！ They’re usually complex， goals feel unreachable by the average person， and end up more confused and stressed then when I started。 But this author breaks it down and keeps it so stupid simple along with humor and pure honesty。 It’s relatable and achievable if you have an open mind and can see past your own ignorance and learned thinking。 I actually gave myself a few “pats on the back” because I’ve already done some steps prior to this book and it gave me some reassurance。 Seriously， go pick up this book now。 It’s the best $7 you’ll spend。 。。。more
Jan Tell
，
Quote: What Warren Buffett says about investing: “Be fearful when others are greedy and greedy when others are fearful。”What does being rich mean to you？It means I won’t be a burden to my family and that I have money to do what I really want to do now。 That I don’t have to stress on paying bills。 I am debt free and financially independent。Invest regularly: Focus on time in the market， not timing in the market。"Having a rich life is about not having to think about money all the time， being able t Quote: What Warren Buffett says about investing: “Be fearful when others are greedy and greedy when others are fearful。”What does being rich mean to you？It means I won’t be a burden to my family and that I have money to do what I really want to do now。 That I don’t have to stress on paying bills。 I am debt free and financially independent。Invest regularly: Focus on time in the market， not timing in the market。"Having a rich life is about not having to think about money all the time， being able to use my money to do whatever I want。"And。。。 "Anyone can be rich - it’s just a matter of what rich means to you。" 。。。more
Valeriana
，
The title is meh but this an excellent finance book。 Should be required reading for all young adults to break the cycle the keeps people working paycheck to paycheck。
Christopher
，
I Will Teach You To Be Rich by Ramit Sethi provides the reader the simple steps one can take to get into debt free and to grow money through retirement funds such as a 401k and ROTH IRA。 There are “Action Steps” that can help develop financial freedom and to live a life without worrying about finance。 I recommend this read for anyone who wants to improve their financial status and to be coached through it。 The book feels like talking to the author。 Overall grade 8/10。
Josh Kucko
，
If I had read this several years ago， I would have rated it more highly; most of the information was not new to me。 I did get a few helpful tips from it， and would recommend it in the personal finance category
Natasha Rose
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Practical and entertaining writer。
Christopher Humphrey
，
While reading the first few chapters of "I will Teach You To Be Rich: No Guilt。 No Excuses。 No BS。 Just a 6-Week Program That Works" by Ramit Sethi， I had the same feeling the first time I tried to use SnapChat--I could proceed haltingly， but I found the experience utterly distracting。 That is probably because this book was not meant for my age demographic （I will leave you guessing）: rather， it was meant for Millenials and their post-modern descendants。 That is not a criticism of the book。 Inst While reading the first few chapters of "I will Teach You To Be Rich: No Guilt。 No Excuses。 No BS。 Just a 6-Week Program That Works" by Ramit Sethi， I had the same feeling the first time I tried to use SnapChat--I could proceed haltingly， but I found the experience utterly distracting。 That is probably because this book was not meant for my age demographic （I will leave you guessing）: rather， it was meant for Millenials and their post-modern descendants。 That is not a criticism of the book。 Instead it is more of a recognition of the intended audience for Sethi's guidance。Sethi proceeds in a transparent， easy-to-follow， humorous manner with his take-no-prisoners opinions （I assume Sethi is not on Bank of America's or Wells Fargo's Christmas card list！）。 Sethi is extremely clear in his basic but wide ranging guidance throughout the book。 In fact， the author sets forth a 6 week action plan， whereby someone could go from a disorganized financial mess to an organized individual on the path that leads to financial freedom。One of the strengths of Sethi's book is also one of its weaknesses--Sethi is VERY opinionated。 But for a young person who lacks any financial foundation， this book is a perfect beginning point。 A financial cold bucket of water pored over a Millenial head！ One will not be confused on how to proceed to follow Sethi's no-nonsense method。 I especially appreciated Sethi"s 85% solution--ie。， not allowing the perfect to be the enemy of the good。One of Sethi's incessant recommendations involves the use of Target Date Funds。 While those funds certainly have their place （and they are certainly low cost）， not all TDF's are created equal， so buyer beware。 Additionally， we are in an unprecedented time in the bond market when yields are， at best， anemic。 So， it may be difficult to have a high percentage of low-yielding bonds in the portfolio。 This is especially true given the correlation between equities and bonds over recent history。 That being said， one could do worse。One of the great values of Sethi's work is that it is a call to action。 Leave your fears behind and follow the plan and you will be closer to financial independence than before you began the 6-week odyssey。 This was an enjoyable read and this book has much to commend it。 Happy reading！ 。。。more
Alexandria Calmes
，
I really think that everyone should read this book。 I was always someone who got stressed out about finances and couldn’t understand stocks and bonds or anything financial to save her life。 This book actually made me EXCITED about saving and investing money。 I thought this would be hard to read cover-to-cover but it was one of the easiest books I’ve read。 While Ramit can be a tad sassy at times， it kept the book engaged and not completely informational。 I learned SO much that I’m looking forward I really think that everyone should read this book。 I was always someone who got stressed out about finances and couldn’t understand stocks and bonds or anything financial to save her life。 This book actually made me EXCITED about saving and investing money。 I thought this would be hard to read cover-to-cover but it was one of the easiest books I’ve read。 While Ramit can be a tad sassy at times， it kept the book engaged and not completely informational。 I learned SO much that I’m looking forward to continuing to implement in my life。 。。。more
J。H。 Moncrieff
，
So far， this is the best personal finance book I've read。 Not that it taught me anything new， and some of Sethi's ideas gave me hives。。。paying for a $35K wedding？ Spending 30% of your monthly income on stuff you don't need？ Eek。 I can hear Mr。 Money Mustache screaming in rage and/or agony。。。。But， then again， Sethi is speaking to his market--the early twenty-something crowd who typically spends a lot on going out， clothes， tech， jewelry， etc。 If I'd taken his advice back then， I would be a LOT be So far， this is the best personal finance book I've read。 Not that it taught me anything new， and some of Sethi's ideas gave me hives。。。paying for a $35K wedding？ Spending 30% of your monthly income on stuff you don't need？ Eek。 I can hear Mr。 Money Mustache screaming in rage and/or agony。。。。But， then again， Sethi is speaking to his market--the early twenty-something crowd who typically spends a lot on going out， clothes， tech， jewelry， etc。 If I'd taken his advice back then， I would be a LOT better off right now。However， target market or no， there's quite a bit of ageist comments in this book that make out that everyone over 60 is a doddery， crotchety old fool。 Everything was said in a lighthearted， joking manner， but he could have held himself to a higher standard。So， why did I like it？ Sethi。 He's a force of personality， and he's so darn funny and likeable。 This book is an easy read， even when it bogs down into the minutiae of investing。 He's self-deprecating， and many who are just starting out with living within or below their means could find his advice incredibly helpful。 It's so easy and enjoyable to read that I even read most of the sections that didn't pertain to me （note: this book is very U。S。 specific--Roth IRAs and 401s abound）。Keep in mind that the "rich" in the title doesn't mean rich in a traditional sense。 It means having a rich life， whatever that may mean to you。 This isn't some "how to be a millionaire in six easy steps" guide。 。。。more
Mary
，