Ramit's the best. I used to save 80% of my income by living extremely frugally. It helped me save a ton of money but I was miserable. Now, I still save a lot of money, but I don't hesitate to buy the things that bring me joy :) we never know how much time we have left on this Earth! As Ramit says, "Live your rich life today and an even richer life tomorrow" 💯 thank you Ramit

@ramitsethi

4 ай бұрын

I love hearing this!!

@trackee2024

4 ай бұрын

I had 2 uncles die in the last year... both died right at retirement age. Sobering to say the least!

@lowlowseesee

2 ай бұрын

@@trackee2024 the wild part is..and i dont mean this about your uncles but about people in general....many of them die early because of stress about money! thats such wild irony

My wife and I are automatically putting away $75 per paycheck. That's $3,900 a year. It's our new vacation fund. First trip with a cruise in 1.5 years

@Ryan125y

3 ай бұрын

It is going into a separate sofi account that's currently giving me 4.6%. I never activated the debit card so I can't easily spend our vacation fund on daily things.

@lowlowseesee

2 ай бұрын

@@Ryan125y so smart and exciting, enjoy yo

@archimedes_espinosa

Ай бұрын

Have fun! I love cruises 🚢

Hey Ramit, I did most of what you suggested about getting a raise last month. My manager agreed that I'm doing more than my job description and that I should be paid more. I asked for $15K, he came back with $10K. We also have a junk removal business on the side 💪

@ramitsethi

4 ай бұрын

Great work!

@Yeshanu

4 ай бұрын

You go! Amazing work.

@lowlowseesee

2 ай бұрын

raw\\!!!!

C: Cut Costs : focus on the big wins. E: Earn More : through 1 getting an arise, 2 finding a high paying job, 3 Side business while working. O: Optimise the spending: negotiate on the big and medium wins, Allocate the spending more wisely

I left a job of almost 15 years. Was told I capped out on salary and left a job of almost 15 year. Next job had a good increase, then was laid-off after about 2.5 months with many others. Dept., then division closed down, NEXT job- Im up substantally from the 15 year job in about 2 yrs time. I try not to think about how my comfort impacted my earnings. Good luck everybody!

I never thought about the “slow and gradual sustainable way” of cutting discretionary spending. I think this is why Ramit’s method works in the long run - he understands that human psychology and money go hand in hand. Ramit has a way of expressing this that’s relatable and hopeful. Thanks Ramit! 🙏

I asked for a reduction in our rent as it was overpriced. when the landlord refused we moved out and the landlord got new tenants. However, I heard from the neighbors that the new tenant wrecked the house and ended up costing the landlord thousands.

@ramitsethi

4 ай бұрын

Good for you for negotiating and then moving. That sucks to hear about the house -- but is yet another reminder that owning property is not passive income

@drbenirusani

3 ай бұрын

Hang on, but isn't a passive income when we rent out our property? @@ramitsethi

I am in the Air Force reserve and I work with a bunch of guys my age. I know this guy had just bought a 70K new truck but as we were talking one day he was saying something like “Ya I was trying to install this Trailer hitch and the the guy was like it is going to be $150 and I was like dude I am not made of that kind of money” I was just sitting there thinking why does everyone complain about every stupid little cost like it's the end of your world when you just go around and spend an entire year salary on something that has very little value.

@abramsrob

4 ай бұрын

It's such a great point. Ramit opened up my eyes to this. If you cut back on spending on housing and car, you don't really have to worry as much about other little expenses. Like I don't live alone and I have a cheap but reliable car, and it saves me so much money.

Went from $315 car insurance and $330 home insurance to a $155 car insurance and a $165 home insurance.. so yeap, that works. Now trying to get rid of credit card debt

I want to see more 50+ SINGLE people on how to prepare for retirement

@gemnilocs

4 ай бұрын

Im50,single and would love to see more about that.

@ramitsethi

4 ай бұрын

I'll feature more people in their 50s, but let me ask YOU: Based on my material, what would you do if you're 50+ and want to prepare for retirement?

@Mistressillyanna

4 ай бұрын

I'm 50 this year and am about to set up a second small business. I need several streams of income otherwise I'm going to be in trouble down the line. I refuse to spend my retirement eating tins of cold beans while running my hands by a fire wearing fingerless gloves. It's never too late to start trying to build a little wealth. Good luck all x

@chesschicken1698

3 ай бұрын

@@ramitsethi I think for most people approaching retirement, finding part time work that isn't too taxing on their body is a great way to stay connected socially and also relieve a lot of stress financially since even just a few hundred bucks a month of income takes a lot of stress off their fixed income from a nest egg. Plus the structure of maintaining a schedule and keeping active will help them live longer. It's not the perfect answer if you envision a life of financial freedom, but I think a lot of folks who aren't preparing for retirement in their earlier years will have to face the reality of continuing to work. I personally intend to work my whole life even if I can afford not to. I enjoy working on my terms on projects that I believe in with people that I care about.

@jillmorrison9883

2 ай бұрын

Same

I honestly don’t know how people do it today with 2 cars and an expensive house at 30% of their income! We have no car payments and our mortgage is 8% of our gross income. Every month it always seems to be something - $2k ER visit for one of our kids, $2900 bill for car repair, $1590 to fix a leak in the house…. It goes on and on. We have a good income and low fixed costs - that’s the only way we’re keeping afloat!

@brianparsons6203

4 ай бұрын

I think most people just don't save for retirement honestly and most people have to use credit cards to supplement their income.

@BrianGivensYtube

4 ай бұрын

It seems like you need insurance on those high ticket items hitting you every month. When you lay everything out of pocket, you won’t have extra money.

@m3932213

4 ай бұрын

$2900 for new brakes? What car do you drive? If 8% makes up your gross income, you need to take a hard look at where the other 92% is going.

@desireesalas5820

4 ай бұрын

Your kids don't have health insurance?

@Within_Cells_Interlinked

4 ай бұрын

A mechanic is really ripping you off if you’re paying $2900 for car brakes unless you have an expensive car with high maintenance costs, which you probably shouldn’t have anyway if you’re struggling with money.

I noticed my building offering all sorts of incentives to new tenants, so I negotiated a lower rate for a 2yr lease instead of the usual 1yr.

@ramitsethi

4 ай бұрын

Great work!

Good point on cutting an expense by 50% over 6 months

Very very informative and practical help.

Awesome tips! Thank your for sharing these ideias, Ramit.

listen to you each week

I really enjoyed this video and learned a lot! I especially liked when you’d throw in little jokes to keep drawing me in. Thank you!

He’s actually an outstanding career coach too!!!!!

Thank you for sharing this information

You are super inspiring! I love your videos!

@ramitsethi

4 ай бұрын

Thank you for watching

Love this man. He speaks truth and is real!

Thank you for this informative video.

Thank you very much for your great ideas which really use my life, appreciate.

Thank you Ramit. Im putting 10,000.00 dollars a month in savings. Your strategies have really allowed me to save more. Not only am I saving more money but Ive learned how to wash and fold my own clothes and brew my own coffee at home. Who knew Id be putting more in the bank and gaining life skills at the same time.

@pythonxz

2 ай бұрын

$10,000 a month! Holy crap.

Hello from Indonesia. Thank you for sharing Ramit

Well presented, and a great video. Thanks!

I do feel for people on the coast or lower income. I did the math and our P.I.T. is about 12.5%. It's hard to factor in routine maintenance, but even at that level with no car payments, 1 child...money doesn't feel easy so if people are at 30%+ with a family and a car payment or two then I can see how there isn't enough.

@lowlowseesee

2 ай бұрын

i dont know enough about adulting since im just coming back from being off the grid for two decades.....but I've seen enough listening to the various couples on his podcast to assume there is enough lol. "enough" is also subjective too though lol

Thank s for sharing

Let’s talk about health care insurance it’s insane. An No way to cut down.. it’s a problem

I like these videos over the couples ones haha

@leeannesorto6817

4 ай бұрын

Agreed, don’t mind some of the couple real-life money problems but enjoy one on one Ramit more.

@moni00utube

4 ай бұрын

I REALLY enjoy the couples discussions because they help illustrate recovering from common patterns in human behavior. But I also enjoy these. I appreciate @Ramit providing a variety of helpful videos.

@antoniox2040

4 ай бұрын

I don’t like the couples ones bc it’s always the same or similar contradictory and irrational human behavior that is discussed: “I make $500K but am extremely frugal bc I grew up poor and no one taught me anything about money; I know that $100K truck was a bad purchase but I still bought it; we bring in $5K net per month but decided to take on a $3K/mo mortgage anyway; we bought multiple properties but don’t have a clear idea of what the earnings are or our spending habits so now we’re in financial trouble” lol My wife watches those a lot when I’m around so I absorb them by osmosis lol

@lowlowseesee

2 ай бұрын

im single and starting let but I love it all. the couples are really great to me because their problems are so vast and fascinating lol.

@lowlowseesee

2 ай бұрын

@@antoniox2040 thats the problem with watching through partner though. if you were watching on your own you would actually catch on to the nuance. not once in that paragraph did you mention the life scripts, any real detail or culture. I've learned so much about other peoples cultural ideas from the show alone, let alone the financial stuff.

I bet that people that are at the stage of struggling to save for retirement have not saved an emergency fund. So it may be effective to save for a much shorter term goal, like an emergency fund. Now "emergency fund" may not be that motivational to a lot of people either. But if we frame it as "job loss safety fund", that may be more helpful. Imagine being able to live for a whole YEAR without having a job and still being able to pay all your bills without worry; that might sound pretty appealing to a lot of people.

@ramitsethi

4 ай бұрын

I want everyone to have an emergency fund, but unfortunately people are not motivated by the idea of it -- AT ALL.

@verb0ze

4 ай бұрын

This might be contrarian, but I think people should save for retirement even before building an emergency fund by automating deductions into retirement plans, even if it's as little as $50-100/month. That money is much harder to access, and will be negligible on their take home pay since it's before taxes. People will also usually make do with whatever they have left, but if they had that extra $50-100, would stretch it out to cover expenses. With what's left, the next step is to build the discipline for an emergency fund. But even if they can't, at minimum they're taking care of tomorrow and can figure out today the way they've always have.

Where can we find strategies for negotiating/reducing student loans?

Top performer is the key of accomplishment based on experience. I am not worried of losing my job. I have full time job and part time job at 2 big companies. Companies are not stupid, so they don't get rid of top performers because top performers can save the cost hiring extra employees for minimum works.

Hi Ramit, may I ask which app you use to create your videos? I just love those animations. I'm a uni professor and I plan to make lesson videos for my hybrid and online classes :)

Negotiating credit card APRs like a boss! It's amazing what a simple call can do.

You are doing great work Ramit. Money can solve many problems in life. And you are educating people to become self sufficient and taking control of our life. In addition, i like your acting skills. 😂

@ramitsethi

4 ай бұрын

:)

Aiming to cut restaurant spending from 800 to 400 by the end of July. But the biggest win would be to find a higher paying full time job. I've used IWT's guide and still procrastinate all the time.

@meejmuas8686

4 ай бұрын

Im a massive procrastinator. I make up reasons all of the time to delay until tomorrow but I realized that when I procrastinate, I give up the opportunity to make my life better that day, for that day, I failed. When I dont procrastinate, I make sure to acknowledge my win, not talk myself down by saying it was just another day I endured pain for a vague reason. I try to make sure I acknowledge the daily win went towards the big win at the end of the road

Wow! I am kinda proud of myself since my housing expenses are at 29%

It's wild that as a resident physician I make ~40,000 pretax, work 90+ hours per week, and spend almost half my paycheck on rent/car (still owe 200k in loans for medical school). I feel like just scraping by. And I'm trying to-do doordash on my one day off, feel like can't win😢

@malenik15

Ай бұрын

Soon you will be making the money you deserve .. I’m working 2 full time jobs so my children can start their careers with no loans. Life got so difficult but you will make it .. Faith and trust !!!!

@voornaamachternaam3713

4 күн бұрын

you live in the wrong country thats why

I’m in Europe, I bought my car for €1200 I fixed some stuff up that cost me around €800 and I’ve been driving it for 2 years now. It’s not perfect of course, but it does bring me from point A to point B. And when it stops working it won’t hurt that much, because it paid itself off already. :)

Started packing my own lunches at work and saved $200 per month

13 years ago I started riding the bus to save money. I’m in a much better place now but I’m never going back to driving. It’s crazy expensive in both time and money.

@andresgarciacastro1783

18 күн бұрын

Live in a walkable city, although in the US it may be difficult. When you can go walking to work, your life has changed forver.

@me12722

18 күн бұрын

@@andresgarciacastro1783 My city, SF, is pretty walkable. I think that our bus and light rail network pair well with a pedestrian lifestyle.

@andresgarciacastro1783

18 күн бұрын

@@me12722 SF is a good exception to the american rule. Congrats man! Seriously-

What books are in his shelf? Thats a video I’d like to see.

Definitely doing the rent concession thing.

Not so much phantom costs as much as they are add on and contingent costs. Glad to see someone call that out.

Ramit goes “Don’t ANGERRRR ME” 😂😂😂❤❤

Oh, some of us realize that we’re spending too much on housing, but at some point we still need to live.

Ramit, what if someone has maxed out and at an age where retirement is near? I was really surprised about this because I work for a great company with great benefits. Ppl want to come to my company. Am I stuck at a salary that doesn't move?

What if you’re in a high car payment and financing? And can’t refinance due to credit. What are steps there?

9:40 Ramit got jokes to go along with the great knowledge and wisdom.

Ramit, what is it with you and lattes man ? Hahaha . Love your vids

How can I cut back on house and car? The biggest expenses.

Austinite here- so many building projects have accidently oversaturated the market with rental properties.

Buenos consejos, aún sigo en ello implementandolos y consiguiendo ahorros, y pagando deudas ❤

Ramit, what do you think about the safety features of newer cars? I think the tipping point has been reached (too much safer not to change). I would never let a teenager drive a car without automatic emergency braking.

@s1lenttoad422

4 ай бұрын

Not so much the safety features but newer cars stop much better! There were a couple of occasions almost hit the rear of another car with my first car because the brakes needed a lot of pressure to boost them due to being a 20 yr old car

I am debating if pay off my car or keep it since the High Yield is almost paying me the interests.

C.E.O. Cut costs Earn more Optimise spending (negotiate spending); On the side (side hustle)

Should utilities be included in the housing percentage number?

@financialeducation4433

4 ай бұрын

Yes

This the one

The Latte Factor is a bit misunderstood. It says the same thing: value based spending and investing and if you investbthe price of a latte per day you can be a millionaire in x years. The math works out.

Saving money while drinking bottomless lattes!!!!! Count me in 😂

Child care fees in the UK is 3rd biggest outgo.

I get frustrated lately because our biggest spending (besides rent) is food from the grocery store. :/ We have two medical diets in our household and it's brutal out here right now. We're still able to scrimp a little bit, but not as much as in the past.

Retirement motivates me lol ,I'm up to 33 percent and loving it 👍🏾

Great Acting Ramit! Cracked me up!! Please give me a dime and I'll be happy! haha!

That standard needs to be updated because 28% of anyone's gross income is all bills because we all know that rent costs are high as hell! Other utilities are also. ***going back in time... there was a time when my rent and bills were around 28%**** zipp back to this future. no way! lol

While I didn't know Ramit's channel I didn't have money in my wallet for guilty-free spending, no matter how much I earned. That's really an open mind view.

Is 47% including Mortgage, Property taxes, Home insurance, HOA, Maintenance and Warranty, and all utilities too much?? We live in Los Angeles, CA. What about transportation expenses of 10% including one monthly payment, savings for a new one, maintenance, gasoline, insurance and Registration etc??

@ramitsethi

4 ай бұрын

Yes, that's too much. You would be at severe risk with that number

Hey, Ramit. What shirt are you wearing? It's awesome!

@codelessunlimited7701

Ай бұрын

That's Barong.

@WhatShallEyeDo4U

Ай бұрын

@@codelessunlimited7701 no it's not.

@WhatShallEyeDo4U

Ай бұрын

@@codelessunlimited7701 it's a button down, bro. There is no Barong designs on his shirt. I'm talking about the shirt that he's wearing for a majority of the video.

As a younger millennial, I am curious what constitutes a job hopper. I’ve found that I’ve been able to consistently receive at least a $15k raise and title upgrade with every move the last three jobs and I’ve stayed at each 2 years minimum and almost 3 years at max. My grandma has definitely called me a job hopper lol but she doesn’t understand that my 401k can roll over to the next job

@seanmei6284

4 ай бұрын

For me a job hopper is less than 8 months in each job for at least 3 jobs in the past (or 3 jobs within 2 years).

Subie Impreza is still a cheap AWD high mileage car for the midwest

Hi Ramit . I’m a college student who wants to move out in 5 years in Nigeria (which isn’t really realistic to our standards here ), can you give me some advice as a student who just receives allowance , I don’t have a job

The problem with credit card perks is we always justify buying what we don't really need because we get the points. Amex knows this, which is why I prefer Dave Ramsay's philosophy of no credit cards, even though I have a few Amex cards. 🤷🏽‍♂

And how do you suppose people track that they are reducing their spending by 50% over 6 months?? Maybe a budget?

@rhondavigil795

4 ай бұрын

😂 Yes!!!!! But he doesn't call it that. His catch phrase is Conscience Spending Plan.

@verb0ze

4 ай бұрын

You don't need a budget. I don't use a budget, and I have a much higher savings/investing rate than the average person. It's as simple as figuring out what my savings / investing rate should be, prioritizing and automating that, then adjusting the rest of my spend to fit in whatever's left. I think the reason he's against budgeting is because it usually requires active tracking, and most people are not able to keep up that habit, it can cause unnecessary stress. I've tried all the budgeting apps, the spreadsheets, etc. In the end, what worked for me was to sit down and map out what my savings should be and automating that. Once I've saved what I need to, the rest of the money is spent without too much care, because I have largely a predictable spending habit. As long as there's money in the bank, I can spend because bills have been automated to be paid early in the month. And if I'm running low on cash for some reason, I have alerts for that so I can watch my spend a bit more closely and cut back on frivolous things like restaurants and hobbies until the next cycle. Oh yeah, big point I did forget to mention is I don't buy stuff on credit (well, I do but balance is paid off end of month, it's just there for points). Basically, you don't need to track that you're spending 50% less. You structure things do that your are automatically spending 50% less. Automation > budgeting

@rhondavigil795

4 ай бұрын

@@verb0ze so you use a conscience spending plan?

Why is being a job hopper bad for the career?

Can you dona video on whole life policies. I'd like to hear your stance on those policies.

@ramitsethi

4 ай бұрын

They're awful. Avoid and look for term

@blacnium1

4 ай бұрын

@@ramitsethi thank you. I better cancel my policy then..lol. I'm buying your book today and appreciate your transparency.

@wandawilliams6338

4 ай бұрын

@@ramitsethi What do you do about insurance when your term policy ends and and you are older. How do you recommend people plan for insurance as they age. My 30 year term policy termed and not searching for new insurance has been tremendously expensive and not affordable at all.

@verb0ze

4 ай бұрын

​@@wandawilliams6338 here's how I look at it: insurance is that, just insurance. It's there to protect in case of an unforseen event, not to guarantee a payout. Hopefully you have other plans in place to cover yourself and your loved ones at end of life (health savings, investments that you'll pass on). However, skills tragedy hit before the term you selected, then you have reassurance that your loved ones will not be put in a dire situation. There are ways to gamify insurance to turn it into an investment, but IMHO, it's risky and not worth the squeeze, let investment vehicles are safer. The last thing you want is to invest a bunch of money and to be denied on payout due to some technicality (which the insurance company will ALWAYS look for, because that's in their interest)

@quingofcozycastle

4 ай бұрын

It's definitely a good idea to research infinite banking before canceling; also your needs depend upon your circumstances---term is generally pretty useless unless you have children and don't intend to use your policy for any other reasons than leaving your next-of-kin a nest egg and taking care of your final wishes for burial/cremation/etc. You can use whole life while you're still alive, and in many ways. Also, term rates can increase to ludicrous levels. It's at least worth weighing pros & cons. Otherwise, I agree with so much of what Ramit teaches, since it's doable and logical!

I already use a bike. Why would I spend so much on a car

8:08 Don’t do that… you are essentially writing a blank check for your boss to run you to the ground…

I am from France .i am new in France. I don't know here system.i would like invest in France. But There is no schwab, vanguard . Here return is very small. Not very profitable. Could you know here in France best investment system. Sincerely

Who TF is getting that many tickets they have to budget for it?

@ramitsethi

4 ай бұрын

People who live in a big city and park on the street

@tifipaul5686

4 ай бұрын

I was surprised by this when I moved to Maryland. I had friends who worked in DC that accumulated a couple hundred dollars each month in fees. Twenty years ago the DMV area had both speed and red light cameras everywhere. I didn’t even know they existed until I moved there.

@whyydee

4 ай бұрын

​@@ramitsethi if only they would read the signs

@verb0ze

4 ай бұрын

​@@whyydee If only the signs were clear. Try street parking in Manhattan 😅. If it's not signs, it's that trail light that has a crack or your dirty plate that made your plate "illegible" they'll get you for lol. Comes with the territory, those of us who live here know to account for it, and hope for the best 😂

The re-enaction of the raise conversation 😮‍💨 oof. Working on it.

His imitation of asking for a dime made me laugh so much. You are the best!

What's the name of your book? #newhere

But for some, house is the place they feel like Home and best spent place with family :) ...

Hi Ramit, I am a first time investor, I have Robinhood , do you recommend this app for beginners like me? .

Very plain but expensive shirt you're wearing Ramit 🙂

Balsam wood 😂

Rent in California going down? Hard to believe

@ramitsethi

Ай бұрын

Rents are down in certain cities in California right now as we speak. It happens!

What if having a nice car is part of my rich life?

@ramitsethi

4 ай бұрын

As long as you can afford it, great. Recently a lot of people have watched a few of my videos, then they point at something they want and say RICH LIFE RICH LIFE and think I've blessed them to buy it. No. If you want it, and can afford it, great! But you must run the numbers.

@m3932213

4 ай бұрын

Make enough money to afford one, otherwise it’s a dream. Earn more save more.

❤❤❤❤❤

@ramit plz look into the comments.I am sure there are scammers.

Spend less than you earn and invest the rest.

Ramit, what is it you love about ironing I am super curious :) What are some tips you wish you knew when you first started doing it? Would you consider an off-the-cuff (pun intended) vlog style ironing tutorial, for a video that's fun for you to make? :) Or even an ironing course please? It's a difficult skill to master so would be good to hear from someone with the expertise

@bookwormbon482

4 ай бұрын

Side tangent, it's sad but I see a lot of KZreadrs lose their spark because they feel almost forced to stick to one theme of content only for consistency. I want to tell them - make videos about the things you love! Wish they realised people subscribe for the /person/ not necessarily just the content. We are invested in the individual themselves and buy into their journey, and part of that is what makes that person happy and light up. I wish KZreadrs had the flexibility to share what currently excites them, without fear of losing their revenue stream. Once they have shared the main bulk of what they have to share about their original channel topic, it must become harder and harder to find new video ideas that seem important, unique and also interesting to film without feeling jaded Hope the grind isn't wearing you down Ramit and you are getting plenty of rest- do what makes you light up! Doesn't matter what anyone else thinks it's ok to stop climbing and just relax and take time for yourself :) don't let consistency streaks or expectations be the thief of your joy and happiness! Do what makes you happy and chill! Good luck and keep ironing :)

"1,000 dollars a month"? "Tickets"? What kind of tickets? I bet 95% of that came from paying high Parking Fees in New York City?

@ramitsethi

4 ай бұрын

Parking (garage), gas, insurance, etc -- in SF

We at least have equity in the house. We have no intention of using the equity in our house, but if all else fail we at least can sell it. A car though. That's just a major expense. There is nothing to salvage there. I've had my car for over 15 years now. Paid it off in 5 years and never looked back. I think what has helped the most is having a budget. As a result we end up watching where the money is going. We have a budget that's a dollar amount instead of a percentage. If we end up making more money in the year it doesn't affect the budget. That money gets invested. As a result, if we get anything back after filing taxes that will be invested.

@verb0ze

4 ай бұрын

The challenge with home equity is when things fail during a downturn, which unfortunately they tend to. It makes it harder to sell, let alone sell for profit. Home equity is great, but I look at it as generational thing, and not money that can be readily accessed (just ask folks who HAD to sell in 2008-2009, they're not happy campers). Budgets can work for some, but are difficult for most to upkeep because it requires active effort to stay on top of things. When you automate instead, it's effortless. I could care less that I spend $300 on groceries last month and $500 this month; that's because savings have been automated, bills have been automated, and the rest of the money, doesn't really matter where it goes, it's there to spend. Long as I don't spend over what's left, I'm always good at the end of the month. And if for some reason I'm spending more, then I need to think about what to cut out, and that's usually a one time exercise, not a ongoing budget thing.

Cut to 9:47 in the video for Ramit’s latest epic meme face.

Ramit....now you're being a hypocrite here lol maybe they love cars like you said if you can afford it and it's what you love do it. Certainly if you can buy $900 Sweaters a person can have a $500 car payment

@ramitsethi

Ай бұрын

If you can afford it, great! Many of the people I speak to cannot.

Blury video, take a guilt free spending and buy a new camera.

I am able to save 5k a month. Is that good enough, I am 32 years old? My monthly expenses is 1.6k.

@ramitsethi

4 ай бұрын

You tell me. How would you know if it's good enough?

@zilvarro5766

3 ай бұрын

It is exceptional. To put it in perspective, you could live 3 more months off the saved money from just one month.