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# I Will Teach You To Be Rich

by Ramit Sethi

## Sitemaps

- [XML Sitemap](https://www.iwillteachyoutoberich.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [256. "We moved abroad for fun. Now we can’t afford to leave"](https://www.iwillteachyoutoberich.com/256-we-moved-abroad-for-fun-now-we-cant-afford-to-leave/) -   Ramit Sethi of I Will Teach You To Be Rich talks to Liza and Bradford, a couple with three kids living as expats in Colombia, South America. They earn $120,000 a year, have $273,000 in net worth, and by expat standards, they're living well. But they have $1,500 in savings, zero savings rate,
- [255. "I’m 40 and work 2 jobs. How are we still broke?"](https://www.iwillteachyoutoberich.com/255-im-40-and-work-2-jobs-how-are-we-still-broke/) -  Ramit Sethi of I Will Teach You To Be Rich talks to Gabriella, 36, and Chris, 40, a married couple from Pennsylvania with four kids and over a decade of financial struggle behind them. They both work multiple jobs. Chris travels all week as an electrician and picks up brewery shifts on weekends. Gabriella
- [254. My $0 to $100k Playbook (full beginners guide)](https://www.iwillteachyoutoberich.com/254-my-0-to-100k-playbook-full-beginners-guide/) -   My $0 to $100k Playbook (full beginners guide) Here's something most people never do: actually calculate when they'll have $100,000. They worry about money. They cut back on random things. They tell themselves that a raise will fix everything. But they never sit down and run the numbers. In this special bonus episode,
- [253. "I’m 53, exhausted, and still living paycheck to paycheck"](https://www.iwillteachyoutoberich.com/253-im-53-exhausted-and-still-living-paycheck-to-paycheck/) -  Ramit Sethi of I Will Teach You To Be Rich talks to Tania and Mike who are in their 50s, married 21 years, and earning over $225,000 a year. By most measures, they should be fine. But they’ve been trapped in the same debt cycle for two decades. Cashing out 401(k)s, borrowing from family,
- [Episode 252. "I’m 35, in debt, and spend everything I make"](https://www.iwillteachyoutoberich.com/episode-252-im-35-in-debt-and-spend-everything-i-make/) -  Ramit Sethi of I Will Teach You To Be Rich talks to Lina, 35, and Mike, 28, a married couple living in South Florida with their 8-month-old son. Despite earning almost $200,000 annually, they've been entangled in debt since their wedding three years ago. They consistently make plans to conquer their financial woes but
- [Episode 251. "We own a $1M house but can’t pay for groceries"](https://www.iwillteachyoutoberich.com/episode-251-we-own-a-1m-house-but-cant-pay-for-groceries/) -  Ramit Sethi of I Will Teach You To Be Rich talks to John and Victoria in a follow-up episode. This couple, in their thirties with three children and a home in suburban New York, is facing severe financial challenges with 97% fixed costs and over $100K in non-mortgage debt. In their last session,
- [Episode 250. "We spend 97% of what we make—and can’t stop"](https://www.iwillteachyoutoberich.com/episode-250-we-spend-97-of-what-we-make-and-cant-stop/) -  Ramit Sethi of I Will Teach You To Be Rich talks to John and Victoria, a couple in their thirties with three children who own a home they adore in the suburbs of New York. Despite a beautiful house and growing family, their financial reality is grim. They are facing a structural financial problem,
- [Episode 249. "We have $2M. Why can’t we enjoy life now?"](https://www.iwillteachyoutoberich.com/episode-249-we-have-2m-why-cant-we-enjoy-life-now/) - Ramit Sethi of I Will Teach You To Be Rich talks to Chris and Heather, a couple aged 41 and 39 respectively, who, despite earning over $450,000 annually and boasting a $2.18 million net worth, feel like they're living paycheck to paycheck. Heather, an accomplished healthcare professional, worries that despite their income, they aren't organizing
- [Episode 130. “I don’t trust him with spending. Do we have a future?”](https://www.iwillteachyoutoberich.com/130-alisa-jesse/) - Alise is 38 and Jesse is 42; they live in Portland with no kids and have been married for 10 years. Alise has a growing sense of urgency related to their future–their lack of savings, modest investments, and credit card debt—fed by pressure from her family. But Jesse is hands-off with money. This episode is
- [Episode 131. “We’re worth $5.5M but I feel like it doesn’t belong to me”](https://www.iwillteachyoutoberich.com/131-matt-ruane/) - Matt is 40 and Ruane is 38. They have two kids and live in Toronto. They’ve done incredibly well for themselves, with an eye-popping net worth of $5,500,000—but lingering anxiety about money and the overwhelming responsibilities of parenthood have driven them apart. This episode is brought to you by: Trade | Right now, Trade is
- [Episode 132. “We’re $520k in debt—and he hid it from me”](https://www.iwillteachyoutoberich.com/132-cassandra-aldo/) - Cassandra, 40, and Aldo, 41, discovered Ramit on Netflix—which quickly led to Cassandra discovering the gruesome details of their debt. His goal was to shield her from stress. What he’s done instead is hide incalculable credit card balances, lose thousands on meme stocks, and so much more. This episode is brought to you by: Mint
- [Episode 133. "She has $7k in cc debt—just 3 months after I paid it off for her" (Part 1)](https://www.iwillteachyoutoberich.com/133-becki-dustin/) - Becki is 42, Dustin is 36. Becki moved to North Caroline from California two years ago, into Dustin’s house but is feeling disconnected from her family, like the space is still his, not shared. Her troubling credit card history keeps them from getting married and building a future together. This episode is brought to you
- [Episode 134. “I make $24K a year but my truck costs $1,600+ a month” (Part 2)](https://www.iwillteachyoutoberich.com/134-becki-dustin/) - Part 2 with Becki and Dustin drops us right back into a contentious conversation about Dustin’s 6-wheeled truck, but his and Becki’s misalignment runs a lot deeper than that. Once their numbers are revealed, painful truths come to the light—and life altering changes are put on the table. This episode is brought to you by:
- [Episode 135. "It could cost us $50k to have a baby. Can we afford it?"](https://www.iwillteachyoutoberich.com/135-kait-em/) - Kait is 36 and Em is 35. They’re married and pursuing IVF as a means to expand their family. But a misalignment on money stands in the way of a truly shared vision for their future. Em shuts down and delegates responsibility. Kait frantically checks accounts and worries about daily spending. This episode is brought
- [Episode 136. “We have $500k in debt. Can I retire early?” (Part 1)](https://www.iwillteachyoutoberich.com/136-david-halima/) - David’s 33 and Halima’s 37. They’re been married for one year, a second union for both. The deep emotional (and financial) scars from those past relationships tint how they see the world today, limiting their ability to cooperate and leading to ill conceived get-rich-quick schemes and mounting debt. This episode is brought to you by:
- [Episode 137. “MLMs, crypto, real estate—I can’t stop falling for get-rich-quick schemes” (Part 2)](https://www.iwillteachyoutoberich.com/137-david-halima/) - David, 33, and Halima, 37, return to follow-up on last week’s episode, where we learned about their debt, painful backgrounds, unrealistic expectations, and patterns of negative behavior with money. Today, Ramit brings them back down to earth, dissects their numbers, and sets the stakes. This episode is brought to you by: AG1 | Take ownership
- [Episode 138. “My wife doesn’t want me to take a $720k job offer”](https://www.iwillteachyoutoberich.com/138-mel-babu/) - Mel and Babu are both 33 year-old doctors. Babu’s nearly done with his training, putting a huge decision in front of them about where to live and how much he’ll earn. The income numbers are staggering, but how they both feel about money isn’t affected by the number in their bank account. This episode
- [Episode 139. “I’m afraid he’ll leave if I don’t stop stressing about the budget” (Part 1)](https://www.iwillteachyoutoberich.com/139-sandra-brad/) - Sandra is 46. Brad is 48. They have four children and are living a high lifestyle as a result of two generational income explosions tied to Brad’s work in the home lending industry. That variance, though, seeded issues in their money psychology—leading to risky investments and trust issues. Links mentioned in this episode: “He put
- [Episode 140. “He put our $1M into one risky investment. Will we lose it all?” (Part 2)](https://www.iwillteachyoutoberich.com/140-sandra-brad/) - Sandra, 46, and Brad, 48, return for Part 2 as we get our hands dirty with their incredible decision to invest $1,000,000—their entire net worth—into one oil operation. It’s paying out $20k a month right now, and Brad’s done his research to feel confident. But Sandra can’t handle the risk. This episode is brought to
- [Episode 141. “We only have $2k in savings but she can’t stop going to the mall”](https://www.iwillteachyoutoberich.com/141-kevin-april/) - April and Kevin are in their mid thirties with two kids. They’ve been married for twelve years and Kevin recently came across a good book on finance—one which empowered him to learn more about their finances. What he found shocked him, and has driven deep cracks in their marriage. This episode is brought to you
- [Episode 142. “We have a $2.3M net worth—but we cut coupons”](https://www.iwillteachyoutoberich.com/142-brian-rachel/) - Brian is 56 and Rachel is 51 and they’re both lawyers. She’s lost thousands on a financial advisor and he can’t stop paying his daughter’s rent. Brian wants to retire soon, but the thought of losing his income has Rachel in a panic about whether they would be able to maintain their lifestyle. This episode
- [Episode 143. “I maxed out my credit cards on our $45k wedding. Are we broke?”](https://www.iwillteachyoutoberich.com/143-tori-amy/) -  Amy and Tori are in their late 20s. They recently got married and honeymooned in Greece, racking up tens of thousands of dollars in credit card debt. A brand new house, changing jobs, and influential backgrounds all come into play as they work on a plan to pay it down as quickly and comfortably
- [Episode 144. “We make $245K. Why do I have to ask my wife for dinner money?”](https://www.iwillteachyoutoberich.com/144-brad-angie/) - Brad and Angie, 55 and 56, are each 10 years into a second marriage. With six adult children out of the house, they’re planning to buy an RV and tour the country in as little as two years. Carrying credit card debt, student loans, a HELOC, mortgage, and only $3,000 saved—can they? This episode is
- [Episode 145. “Am I a bad mom if we can’t do a $7k Disney trip?”](https://www.iwillteachyoutoberich.com/145-david-kristin/) - Kristin is 32 and David is 38. They share five kids in a blended family and David is getting close to military retirement. The problem is their spending—fueled by emotions alone, they make purchase after purchase, soaring over set budgets and putting the future of their family at risk. This episode is brought to you
- [Episode 146. “I'm jealous when I see friends' vacations on Instagram”](https://www.iwillteachyoutoberich.com/146-andrea-erik/) - Erik is 44 and Andrea is 43. They’re trying to determine what to do with a bump in income. Andrea wants to save for college tuition, because that’s what her parents did. Erik’s did not, so he’d rather use it elsewhere. Can they overcome their inherited patterns and come together on a shared vision? This
- [Episode 147. “I don’t trust him with money, so I check his cc accounts”](https://www.iwillteachyoutoberich.com/147-ashley-christopher/) - Ashley and Christopher, 30 and 28, recently got engaged and look forward to planning a wedding, having kids, etc. But Christoper has lived with credit card debt his whole life. As an accountant, he feels like he’s got it under control. Ashley worries about what his spending means for their future. This episode is brought
- [Episode 148. “We have 2 kids and $0 invested, but refuse to get 9-5 jobs”](https://www.iwillteachyoutoberich.com/148-callie-travis/) - Callie and Travis, 36 and 39, have two kids and live in southern Texas near the ocean. They’ve made a conscious decision to run their own small businesses without the pressure of climbing a corporate ladder. But how relaxed is too relaxed? Callie is ready to get serious; is Travis? This episode is brought to
- [Episode 149. “We have no savings but bought our kid a $500 toy for Christmas” (Part 1)](https://www.iwillteachyoutoberich.com/149-elizabeth-jonathan/) - Elizabeth and Jonathan are in their mid-thirties, have been married for 13 years, and share a young daughter. They bought a starter home after getting married, but expensive renovations are still underway. They struggle with debt and spend a lot on their child. They’re wondering—is this it? This episode is brought to you by: Viator
- [Episode 150. “We’re broke, but I spend $350/mo on clothes” (Part 2)](https://www.iwillteachyoutoberich.com/150-elizabeth-jonathan/) - In part two with Elizabeth and Jonathan, 36 and 38, we continue unpacking their complicated personal backgrounds with money as they relate to current spending, investing, and saving habits. They’re stuck in a loop of debt and financial stress, but are they ready to make positive changes? This episode is brought to you by: Sidebar
- [Episode 151. “Our gas is about to get shut off, but I refuse to sell any of my 7 cars”](https://www.iwillteachyoutoberich.com/151-peter-megan/) - Peter and Megan, 36 and 37, are married with no kids but severe financial stress threatens their future together. Peter has grown to resent Megan’s unwillingness to seek a higher income. He’s changed jobs, but won’t consider selling any of their seven vehicles to alleviate their stress. This episode is brought to you by: Pique
- [Episode 152. “The world is going to end. So why bother investing?”](https://www.iwillteachyoutoberich.com/152-fernando-anushka/) - Fernando and Anushka, 30 and 31, live in San Diego and earn high incomes—matching $135,000 salaries, in fact. They have healthy investment and savings rates, send money to his family back home, and rent a nice apartment. They’re living their Rich Lives, or are they? This episode is brought to you by: Hatch | A
- [Episode 153. “We’re married. Why do I have to ask him for money?”](https://www.iwillteachyoutoberich.com/153-allison-dan/) - Allison is 36 and Dan, 37. They’re married with two kids living in a HCOL mountain town—a market variable that’s influenced them to sell her condo and supercharge their retirement investments with the profits. The condo is listed for sale, but Dan doesn’t trust her enough to combine their finances. This episode is brought to
- [Episode 154. “We’re drowning in debt, but I drive a BMW”](https://www.iwillteachyoutoberich.com/154-kevin-michelle/) - Kevin and Michelle, 32 and 30, joined me live in New York City earlier this year for our very first in-person interview. They have one young child and another on the way, but they can’t stop spending. With low savings, their debt mounts while they both lease luxury vehicles. This episode is brought to you
- [Episode 155. “We have $22k in cc debt—but I want to renovate the house” (Part 1)](https://www.iwillteachyoutoberich.com/155-paul-morgan/) - Paul and Morgan, 37 and 33, find themselves in a painful loop of arguments and unchecked spending, putting the future of their young family at risk. We hear about destination concerts, ongoing renovations, and charged vacations—but it’s their fixed cost percentage that is most worrisome. This episode is brought to you by: LMNT | Right
- [Episode 156. "We have 2 kids, 3 cars...but only 1 month of savings" (Part 2)](https://www.iwillteachyoutoberich.com/156-paul-morgan/) -  In the second half of this live-recorded conversation with Paul and Morgan, 37 and 33, we dig deeper into their Conscious Spending Plan to uncover three cars (for two adults), sporadic debt management, high pet care costs, hidden student loans, and what seems like no way out from under it all. This episode is
- [Episode 157. “We spent $80,000 more than we made last year” (Part 1)](https://www.iwillteachyoutoberich.com/157-adrienne-rob/) - Adrienne and Rob are 59 and 62, and they are overcome with worry over whether or not they’ve amassed enough wealth to live comfortably, and apply Rich Life principles, in their retirement years. Adrienne’s head is in the clouds—dreamy and full of color. Rob lives in his (physical!) spreadsheets. This episode is brought to you
- [Episode 158. “We have $2M, why can’t we retire?” (Part 2)](https://www.iwillteachyoutoberich.com/158-adrienne-rob/) - Rob and Adrienne are nearing retirement but worried about having enough. In Part 2, we dig into their Conscious Spending Plan to reveal a massively successful investment strategy that remains shrouded by deep lingering fears, $3 questions, and hard-to-break bad habits with money. This episode is brought to you by: Rocket Money | Stop throwing
- [Episode 159. “How can we raise 3 kids if she only makes $15k?”](https://www.iwillteachyoutoberich.com/159-caleb-alex/) - Caleb and Alex are both 27. They have one young child and foster two sisters, both of whom they intend to adopt soon. As children themselves, Caleb and Alex were immersed in missionary work in South America—an influence that colors how they see, feel, and act with money. This episode is brought to you by:
- [Episode 160. “My entire paycheck goes to daycare. Should I stay home?”](https://www.iwillteachyoutoberich.com/160-carlos-amanda/) - Live in NYC, Carlos and Amanda, 36 and 28, join the show to talk through a recurring issue in their relationship—her earning ability vs. the possibility of staying home with their kids. They recently moved out on their own and Carlos is in school to put himself in position for a higher income. This episode
- [Episode 161. “He hid $77k in CC debt from me—but can’t tell me what he bought”](https://www.iwillteachyoutoberich.com/161-jim-dana/) - Jim and Dana are 58, five years into their second marriages, and coping with changes in their new lifestyle in different ways. Jim is set on providing as he follows patterns from his past, hiding tens of thousands in debt. Dana daydreams of her past in California—and the lifetime of alimony she passed up. This
- [Episode 162. “We panic over money—but spend $84K/year on travel and shopping”](https://www.iwillteachyoutoberich.com/162-paul-maddie/) - Paul, 33, and Maddie, 29, flew to New York City from London for a live-recorded episode—providing a valuable first clue to their spending habits. She is a high earner, but worries about lifestyle creep. He recently left his job, and they’re treading water on one income. This episode is brought to you by: Fabric by
- [Episode 163. “I work & watch my infant FT b/c we can’t afford childcare”](https://www.iwillteachyoutoberich.com/163-james-nicole/) - James and Nicole, 42 and 44, just had a second baby—but they weren’t prepared for the additional costs associated with a growing family. They spend 90% of what they make and struggle to afford childcare. Nicole’s maternity leave is ending – how will she balance work and raising an infant? This episode is brought to
- [Episode 164. “I stress over money—but we’re seeing Taylor Swift in France tomorrow”](https://www.iwillteachyoutoberich.com/164-taylor-steve/) - Taylor is 39 and Steve is 42. They’re married and live in New York City. Steve lost his job years ago, but has coasted without getting serious about his career. Taylor’s done the opposite—and now she’s ready to buy a home. Does Steve have what it takes to make a change for their future? This
- [Episode 165. “I make 10x my husband’s income. Will we ever feel like equals?”](https://www.iwillteachyoutoberich.com/165-geena-james/) - Geena is 44 and James 39. They live in Brooklyn where she works as a corporate attorney and he’s a freelance musician—resulting in a 10x income disparity. They travel a lot, but do they invest enough to retire with the lifestyle they want? And does James bring enough to their relationship? This episode is brought
- [Episode 166. “I’m embarrassed—we hid $10,000 cash in our closet for 3 years”](https://www.iwillteachyoutoberich.com/166-christina-noah/) - Christina is 37 and Noah 35. They’re married with one young son and another on the way. They earn a very high income, but their decisions are clouded by stress over money and over the future. Noah plays dream crusher while Christina spins them down a rabbit hole of negative outcomes. This episode is brought
- [Episode 167. “We took a loan to pay off our credit cards—and maxed them out again”](https://www.iwillteachyoutoberich.com/167-ashley-brandon/) - Ashley is 29, Brandon is 30. They have been married for six years and have accumulated $261,000 in debt. Despite taking out a surrogate loan, they are still unable to have a baby. Ashley is desperate for a partner, but Brandon struggles to engage—at home, and in this conversation. This episode is brought to you
- [Episode 168. “I’m going to die with student loans. Why should I count them?”](https://www.iwillteachyoutoberich.com/168-emi-antonio/) - Emi, 32, and Antonio, 29, have been married for six years and have struggled with debt for even longer. Credit cards, personal loans, student loans, refinancing—Emi has kept her head in the sand through it all. Antonio doesn’t trust himself to fix it. Can they break the cycle for their daughter? This episode is brought
- [Episode 169. “We flew to Lisbon for Taylor Swift, but my $5 beer is the problem?”](https://www.iwillteachyoutoberich.com/169-emery-annie/) - Annie’s 39 and Emery is 43. Although they have a high combined income, Annie makes 5x more than Emery. This leads to frustration over small purchases, like an extra drink at dinner—while they’re on vacation in Europe. Emery also manages their two rental properties even though they earn $0. He’s desperate to sell, but Annie
- [Episode 170. “We’re worth $1M in our 30s, but we’re missing out on life”](https://www.iwillteachyoutoberich.com/170-noor-jibran/) - Noor, 32, and Jibran, 34, join me in our first ever recording in front of a live audience at my Philadelphia event. They make $250,000 in a low cost of living area. Noor wants to finally take a vacation and spend on things that make their life easier. Jibran would rather save, opting to cook
- [Episode 171. “I got into a PhD program! But he’s only worrying about the cost”](https://www.iwillteachyoutoberich.com/171-david-katy/) - Katy and David are both 32. She just got into a PhD program—one she’s very excited about! But David replied by peppering her on possible outcomes, timing, and most of all, cost. It’s just one stark demonstration of how they’re misaligned on money, but many more examples come to light. This episode is brought
- [Episode 172. “We saved for retirement but have no money to spend NOW” (Part 1)](https://www.iwillteachyoutoberich.com/172-michelle-ryan/) - Michelle is 42, Ryan is 43. They’ve been married for 9 years and share two young children. Michelle worries about money; she always has. Ryan knows they’re in trouble, but can’t say no to their kids. On one income, spending outpaces earning—slowly draining their savings and weighing them down with dread over the future. This
- [Episode 173. “We spend 113% of what we make—but can’t do anything to fix it” (Part 2)](https://www.iwillteachyoutoberich.com/173-michelle-ryan/) - Michelle, 42, Ryan, 43, return for a deep dive into their Conscious Spending Plan. They spend $763 a month on Target, $1,185 a month on Amazon, and $1,230 on groceries—carrying a fixed-costs percentage of 113%. Drastic changes are needed, but Michelle isn’t convinced anything can be done to save their outlook. This episode is brought
- [Episode 174. “We make $300k but spend like we make $1M”](https://www.iwillteachyoutoberich.com/174-forest-kathleen/) - Meet Forest, 40, and Kathleen, 43, a couple living in California with two kids. Despite Forest’s $300k salary, they’ve racked up $150k in credit card debt. They want to maintain their adventurous lifestyle, but the reality of their finances is catching up. Can they change their mindset on money before it’s too late? This episode
- [Episode 175. “I make 5x my bf’s salary—but I’m about to lose my job”](https://www.iwillteachyoutoberich.com/175-mindy-victor/) - Mindy is a 39-year-old software consultant. Victor is a 25-year-old boxing gym owner. They have fundamentally different views on money, and it’s causing tension in their relationship. Mindy wants an equal partner, but Victor struggles to talk about money—and they won’t get married until they’re on the same page. This episode is brought to
- [Episode 176. “I’m 8 mos pregnant. He only wants to talk about how much the baby will cost”](https://www.iwillteachyoutoberich.com/176-jason-megan/) - Jason is a 40-year-old COO. Megan is a 34-year-old flight attendant. They have more than $3 million in assets, but they’re both in credit card debt and their finances are extremely murky. To top it all off, Megan is 8 months pregnant—and they don’t have a plan to get their finances in order. This
- [Episode #177: “We’re stressed about cash flow—but I refuse to sell any of my 8 cars” (Part 2)](https://www.iwillteachyoutoberich.com/177-jason-megan/) - Jason, 40, and Megan, 34, return to make a plan before Megan gives birth. Jason wants to pay off debt—but refuses to sell his 8 cars. Megan wants equal spending money—even though she’s making 0 income. They need to get on the same page before their family grows, but they’re running out of time.
- [Episode 178. How to Get on the Same Page with Your Partner about Money](https://www.iwillteachyoutoberich.com/178-seattle/) - Live from Seattle, I work with 2 couples on stage. Sophia is a 41 y/o ultrasound tech. Charley is a 40/yo filmmaker. They don’t combine finances because she can’t trust him with money. Megan, a 37/yo dentist, and Ryan, a 36 y/o software engineer, are worth $4.2M—but they still haggle over small purchases. This episode
- [Episode 179. “He just turned 50 and we have no savings. I’m panicking.”](https://www.iwillteachyoutoberich.com/179-kate-drew/) - Kate is a 43-year-old mom and homeschool teacher. Drew is a 50-year-old professor. They’re $480k in debt with no savings and no retirement plan. Kate is panicking—but Drew refuses to talk about it, and neither of them are willing to make big spending cuts or say “no” to their kids’ expenses. This episode is brought
- [Episode 180. "We have $30k in cc debt but insist on sending our son to private school"](https://www.iwillteachyoutoberich.com/180-alexis-olivia/) - Alexis, 55, and Olivia, 54, are working towards their retirement so they can spend more time with their son. On paper, they’re in a good financial position, with a net worth of over $3 million… but they’re spending more than they make every single month. And, there’s a big secret to their wealth that they
- [Episode 181. “We argue about money daily b/c he can’t stop talking about Ramit”](https://www.iwillteachyoutoberich.com/181-nathan-linda/) - Nathan (35) and Linda (37) are arguing about money constantly due to Nathan’s anxiety and stress. He continually optimizes and re-optimizes their finances, worrying about retirement and the amount of money they’ll be leaving behind for their children. Nathan even applied to be on the show nine times in a row, and Linda just wants him to
- [Episode 182. “We’re $350k in debt & have no savings. Will I have to work until we die?”](https://www.iwillteachyoutoberich.com/182-don-tana/) - Don is 50, Tana is 48, and they’ve struggled to make ends meet their entire adult lives. They have a lot of debt, they’ve never really saved or thought they’d be able to retire… but their income has recently DOUBLED and they’re wondering how to manage the extra money. Throughout this conversation, as Don and
- [Episode 183. “I saved $5k for an engagement ring, but she secretly took the money”](https://www.iwillteachyoutoberich.com/183-michelle-matthew/) - Michelle (33) and Matt (31) have been dating for seven years, but they’re stuck in relationship limbo, waiting to get married until Michelle deals with her financial problems. Michelle makes great income as a nurse, but she has a mountain of debt from student loans. Matt works in finance, and tries to help, but Michelle
- [Episode 184. “I survived a plane crash. Is stressing about money really worth it?”](https://www.iwillteachyoutoberich.com/184-chloe-ryan/) - Ryan is a 38-year-old Air Force pilot. Chloe is a 33-year-old economist. And though they are on track to have millions in retirement, they struggle to spend. Ryan has been criticizing every little purchase and agonizing over his looming retirement from the military. Chloe’s hoping they can put things in perspective and start enjoying their
- [Episode 185. “My fiancé has no savings at 43. Should we get married?”](https://www.iwillteachyoutoberich.com/185-dawn-richard/) - Dawn is 48, Richard is 43, and they’re living paycheck to paycheck. Although they’re engaged, they’re struggling to combine their finances because of their varied pasts. Dawn is overspending on kids and grandkids, and Richard has deep scars from a financially devastating breakup. Can they move beyond their past money stories and get aggressive
- [Episode 186. “Was it a huge mistake to sell our house?”](https://www.iwillteachyoutoberich.com/186-ava-chris/) - Meet Ava, 36, and Chris, 38. When it comes to their finances, they do not see eye to eye; and they’re stuck in a cycle of overspending. Ava is a worrier who uses a labor-intensive ledger to track expenses, taking tons of time and energy every month (although they’re still in debt). Chris doesn’t like
- [Episode 187. “We’re worth $87M, Why are we arguing over credit card bills?”](https://www.iwillteachyoutoberich.com/187-victoria-david/) - David (36) and Victoria (35) have been married for two years, yet their finances are largely separate. David is a startup founder—cash strapped and optimizing his monthly take home pay. Victoria is a wildly successful entrepreneur who struggles to appreciate her accomplishments. Despite their immense wealth, David and Victoria’s money psychology is holding them
- [Episode 188. “She makes 2x but wants me to treat her” Nate and Serena return](https://www.iwillteachyoutoberich.com/188-serena-nate/) - What happens to the couples that I’ve spoken to months, even years ago? It’s time to find out in our first follow-up episode, featuring Nate and Serena from episodes 73 & 74 of the podcast. We’re looking back on their original conversation, and then both Nate and Serena will be back next week to
- [189. “People definitely called me out”: Nate & Serena return 2 years later](https://www.iwillteachyoutoberich.com/189-nate-serena-2/) - This week we are back with part two of Nate and Serena’s follow-ups. Their original appearance on episodes 73 & 74 are some of our favorite episodes of the podcast, and it is very rare that I get a chance to speak to a couple after their episode airs. Join us as we revisit
- [Episode 190. “Is our relationship going to end on air?”](https://www.iwillteachyoutoberich.com/190-maggie-justin/) -  Justin, 38, and Maggie, 34, join the show to unpack a growing tension in their relationship—her hesitation to combine finances. Maggie spent her twenties traveling the world and is now laser-focused on building her future, while Justin shares her love for travel but envisions a future together. With Maggie making life plans that
- [Episode 191. “My wife doesn't respect me because she earns 5x more”](https://www.iwillteachyoutoberich.com/191-dillon-carrie/) - Dillon (30) and Carrie (29) are navigating a tricky dynamic in their relationship: income disparity. Carrie works in tech, earning a high salary, but her anxiety about money has her constantly second-guessing their financial situation. Dillon, a PhD student living on a $40K annual stipend, is growing increasingly frustrated with Carrie’s dismissive comments and her
- [Episode #192: “We spend 98% of what we make—Where is it all going?”](https://www.iwillteachyoutoberich.com/192-deepika-justin/) - Justin (40) and Deepika (32) are stuck in a frustrating financial loop: despite their high income, they feel like they’re living paycheck to paycheck. Deepika dreams of buying a house someday, but the couple can’t seem to identify where their money is going—or how to escape the cycle of credit card debt. Justin has a
- [Episode 193. “I’ve filed for bankruptcy twice. Will I ever stop spending?” (Part 1)](https://www.iwillteachyoutoberich.com/193-lakiesha-james-1/) - Despite their best intentions, LaKiesha (38) and James (45) have fallen into a cycle of overspending—convincing themselves that wants are needs and that enjoying money now outweighs planning for the future. Their lack of financial foresight has left them without a safety net, and the weight of their debts has even led LaKiesha to file
- [Episode 194. “$0 savings, $0 investments. Is it too late for us?” (Part 2)](https://www.iwillteachyoutoberich.com/194-lakiesha-james-2/) - On last week’s episode, we met 38-year-old LaKiesha and 45-year-old James, a couple struggling to get on the same page financially. With no savings, no investments, and deep-rooted money fears, they’re stuck in a cycle of mindless spending. Today, we’re digging back into their CSP—and the numbers are more shocking than they expected. Can they
- [Episode 195. “Her socks have holes but she's too cheap to buy new ones”](https://www.iwillteachyoutoberich.com/195-matt-eliza/) - Matt (34) and Eliza (32) have spent years prioritizing investments, setting themselves up for a secure retirement—but now, they struggle to enjoy spending money. Matt deprives himself when they go out, while Eliza avoids spending altogether. Their extreme frugality is keeping them from living the full life they could, and with their first baby on
- [Episode 196. “He used to help me with debt…Now he’s making it worse”](https://www.iwillteachyoutoberich.com/196-jill-frank/) - Frank (29) and Jill (33) are parents of two young kids and are trapped in a vicious cycle of overspending and debt. With fixed costs eating up 107% of their income and $25,000 in credit card debt, they’ve been repeatedly digging themselves into a hole—and scrambling to climb back out. Frank solves panic with credit
- [Episode 197. “I thought he was the problem… but it’s me?!”](https://www.iwillteachyoutoberich.com/197-chicago/) - Live from the House of Blues in Chicago, Ramit coaches Evelyn and Mike (41). Despite their successful careers, money is a constant source of tension. Evelyn scrutinizes every purchase, while Mike feels frustrated by the endless debates over small expenses. Can Evelyn let go of her scarcity mindset and start trusting their financial future? Plus,
- [Episode #198: “I work 7 jobs but can’t get ahead. Are we doomed?”](https://www.iwillteachyoutoberich.com/198-juan-amber/) -   Juan (43) and Amber (40) feel behind on their retirement plans after years of prioritizing travel and expensive hobbies over investing. Juan, who grew up poor, struggles with a scarcity mindset—undercharging for his work and financially supporting his family. Amber, now earning less, believes they should be doing better. With financial pressure mounting,
- [Episode #199: “I struggle w/ cc debt but insisted on a Cartier wedding ring”](https://www.iwillteachyoutoberich.com/199-boston/) - On today’s episode, we’re live from Boston for my recent Money For Couples book tour. First, I talk with Robert (28) and Giselle (28) who appear to have it all together, but behind the scenes, they’re struggling to make intentional financial decisions. Instead of planning ahead, they make impulsive decisions like committing $7,500 to a
- [Episode #200: “Should we pay off our massive debt? Or invest more?”](https://www.iwillteachyoutoberich.com/200-shannon-wilson/) - Wilson (46) and Shannon (35) have built a strong financial foundation—owning a vacation rental, maxing out Roth IRAs, and earning solid incomes. But when it comes to their next move, they’re at odds. Wilson wants to tap into their home equity to invest in stocks, believing they’re too heavily weighted in real estate. Shannon,
- [Episode #201: “I make $40k… but I own 100+ suits”](https://www.iwillteachyoutoberich.com/201-new-york-city/) - Today’s episode takes us to New York City, where I sit down with not two, but three couples live on stage at my Money for Couples event. First, meet Antonio (23) and Devonta (23), a young couple who in their 20s are already ahead of the game—earning money while finishing their degrees, having real conversations about finances, and even
- [Episode 202. “She racked up $50K in debt — why should I trust her with money?”](https://www.iwillteachyoutoberich.com/202-emma-dave/) - Emma (39) and Dave (39) make $258,000 a year—but they’re stuck in a toxic money dynamic. She built a financial plan during maternity leave. He didn’t believe her. Now, they’re battling over trust, $50K in debt, and whether they can afford a $700K house. With conflicting money roles—she’s the anxious planner, he’s the passive skeptic—they
- [Episode 203. “He makes 3x more, but wants to split everything 50/50”](https://www.iwillteachyoutoberich.com/203-katie-robin/) - Katie (33) and Robin (35) live together in New York City. They make a great team—high-achieving, organized, and generous with each other—but when it comes to money, their goals don’t always align. Katie wants to keep things simple: low fees, index funds, slow and steady growth. Robin, on the other hand, is deep in Reddit
- [Episode 204. “We make $226K—but our kids think we’re broke”](https://www.iwillteachyoutoberich.com/204-washington-dc/) -  Lisa (37) and Marcus (38) have been married for 14 years, raising four kids and building a life together—but when it comes to money, they couldn’t be further apart. Lisa homeschools their kids and dreams of more family travel time full of Rich Life experiences. Marcus shuts down in financial conversations, overwhelmed by anxiety
- [Episode 205. “I've been homeless before…I'm terrified to spend money”](https://www.iwillteachyoutoberich.com/205-jennifer-steve/) -  Jennifer (37) and Steve (41) have been dating for over five years, but they’ve never spent more than $100 on a shared purchase. Jennifer is a self-made business owner with a clear vision for the future, while Steve is cautious, financially conservative, and still haunted by a turbulent past that included losing both parents
- [Episode 206. “I quit my job to care for our son, but can we afford it?”](https://www.iwillteachyoutoberich.com/206-anna-will/) -  Anna (33) and Will (37) are married with two kids, including a young son who was born with a serious heart condition. Between unexpected medical expenses, emotional stress, and inconsistent financial planning, their savings have steadily drained—and now, they're spending more than they earn just to keep up. Will brushes off concerns, saying “We’re
- [Episode 207. “I’m 40, burned out, and don’t know what’s next in my life”](https://www.iwillteachyoutoberich.com/207-courtney-ray/) -  Courtney (40) and Ray (41) have spent their entire adult lives in the structure of military life—but with retirement on the horizon, they’re about to face a future filled with choices for the first time. For Ray, that means walking away from the rank, routine, and pension he’s built for over 20 years and
- [248. "Her spending scares me. Should we get married?"](https://www.iwillteachyoutoberich.com/248-her-spending-scares-me-should-we-get-married/) -   Ramit Sethi of I Will Teach You To Be Rich talks to Cre and April, a couple of five years, aged 46 and 48. Cre lives a debt-averse life and has been methodically building her wealth. April, on the other hand, earns more than twice Cre's income but struggles with significant debt and
- [Episode 208. “We make $157K at 22, but we’re afraid to spend money”](https://www.iwillteachyoutoberich.com/208-javier-marco/) -  Javier (22) and Marco (22) are young, ambitious, and financially disciplined—but the future they dream about together is being challenged by how they handle money today. They earn a combined income of $157,000, already have more than $60k invested, and live in New York City with shockingly low fixed costs. But despite their impressive
- [Episode 209. “We bought a house we can’t afford, now what?”](https://www.iwillteachyoutoberich.com/209-sunnie-jazmyne/) - Sunnie (29) and Jazmyne (30) are a queer couple trying to build their life together—buy a house, bring a child into their family, and create long-term financial security. But with just one primary income and a major surgery planned for next year, every decision feels high stakes. They earn a combined $180,000 and just bought
- [Episode 210. “We make $170k—but spend like we make $450k”](https://www.iwillteachyoutoberich.com/210-clara-devin/) - Clara (29) and Devin (34) are married with three young kids, trying to build a future while juggling debt, stress, and wildly different approaches to money. Clara racked up $20,000 in credit card debt, while Devin chooses to gamble instead of investing for retirement. They earn well and own two properties, but with zero savings,
- [Episode 211. Ramit and Cassandra open up: “Our real money fights (and what we learned)”](https://www.iwillteachyoutoberich.com/211-ramit-cass/) -  In this rare and intimate episode, Ramit takes the hot seat alongside his wife, Cassandra, as they’re interviewed by their close friend Julie Nguyen. Together, Ramit and Cass pull back the curtain on how they navigate money behind the scenes—from prenup negotiations and separate finances to the regular money meetings that keep them aligned.
- [Episode 212. "He's terrified of losing it all—so she's losing him"](https://www.iwillteachyoutoberich.com/212-vanessa-george/) -  Vanessa (48) and George (59) have been married for five years and run two businesses together, but still keep their finances separate, leading to recurring tension, resentment, and financial instability. Vanessa is a risk-tolerant entrepreneur who sees money as a tool for growth. George is nearing retirement, risk-averse, and clings to financial security. They
- [Episode 213. “We have a $1M trust - but a $30k budget” (Part 1)](https://www.iwillteachyoutoberich.com/213-kate-keith-1/) -  Kate (45) and Keith (53) split their time between Maine and Hawaii, living what looks like a dream life. They’ve inherited wealth, run two small businesses, and have nearly $2 million in net worth. But with only $30,000 in annual income, they live in fear of spending—and cover their shortfall by dipping into savings.
- [Episode 214. “I’m 45 but my parents still control my money”](https://www.iwillteachyoutoberich.com/214-kate-keith-2/) - Kate and Keith have spent years afraid to spend—until now. In part 2 of this conversation, Ramit challenges them to rewrite the money scripts that have ruled their lives: Kate’s need for control, Keith’s fear of being dependent, and the invisible narratives passed down through generations. They imagine a future with travel, community, and purpose,
- [Episode 215. “He wants a house, I don’t want to go bankrupt.”](https://www.iwillteachyoutoberich.com/215-athena-arie/) -  Athena (31) and Arie (30) are newly married and dreaming of buying a home, starting a family, and traveling the world. But their finances—and philosophies—don’t align. Athena’s upbringing was defined by instability and strict religious messaging around money; Arie’s was middle-class and frugal. Now, they're realizing that love alone isn’t enough—they need a shared
- [Episode 216. I track every penny. He gambles. Should I marry him?](https://www.iwillteachyoutoberich.com/216-taylor-hayden/) - Taylor (29) is a high-earning dentist with a strict savings plan and deep-rooted fears about financial instability. Hayden (25) earns $24K a year, has a history of gambling and financial dishonesty, and struggles with budgeting. They live together, but their vastly different money philosophies leave Taylor questioning whether marriage is possible. With trust issues, income
- [Episode 217. “Are we broke…or just bad with money? (Part 1)](https://www.iwillteachyoutoberich.com/217-dominique-chris-1/) - Dominique (33) and Chris (34) have been together for six years, engaged for two, and share a two-year-old son. While Dominique manages parenting, full-time work, and their finances, Chris shuts down when money comes up—and has no plan for what’s next. With rising childcare costs, growing debt, and a second home draining up to $2,000/month,
- [Episode 218. “Our childcare costs are about to quadruple. Are we screwed?” (Part 2)](https://www.iwillteachyoutoberich.com/218-dominique-chris-2/) - Last week, we met Dominique (33) and Chris (34)—a couple earning $180K a year, raising a toddler, and still living paycheck to paycheck. Dominique felt alone in managing their finances, while Chris stayed disengaged, assuming things were fine. In Part One, we uncovered the cracks: a lack of communication, zero long-term planning, and growing resentment.
- [Episode 219. “He’s so cheap it’s killing our joy”](https://www.iwillteachyoutoberich.com/219-angela-brian/) - Angela (52) and Brian (52) have been together since they were teenagers and have raised four kids. Now as empty nesters, they’re stuck in a sitcom-style standoff: Angela loves bargain shopping and dreams of traveling the world, but Brian clings to a decades-old belief that they need $1 million to retire and panics over every
- [Episode 220. “I carry the baby, the bills, and the stress”](https://www.iwillteachyoutoberich.com/220-monica-michael/) - Monica (36) and Michael (33) have been married just over a year and are navigating the pressures of new parenthood—but Monica feels like she’s doing it alone. She pays the rent, covers childcare, and works a demanding job, while Michael juggles three jobs and carries shame about his income and past financial mistakes—including an eviction
- [Episode 221. “I’m almost 40 and still living paycheck to paycheck”](https://www.iwillteachyoutoberich.com/221-romy-travis/) -  Romy (38) and Travis (37) are a married couple living in Cape Town—but despite earning over $130,000 a year, they’re constantly running on empty. Romy feels the crushing weight of managing everything alone, while Travis avoids financial planning and insists things will “just work out.” Together, they’ve repeated the exact same dynamic Romy grew
- [Episode 222. “My husband is my 4th child. Will he ever help?”](https://www.iwillteachyoutoberich.com/222-fernie-jorge/) - Fernanda (44) and Jorge (48) have been married for nearly 25 years, raising three children, including one with lifelong special needs. Despite earning $130,000 a year, they consistently spend more than they make, and only have $300 in savings. Fernanda juggles multiple jobs and manages every detail of their finances, a responsibility that has left
- [Episode 223. “We make $81k/yr in our 30s. Is that enough?”](https://www.iwillteachyoutoberich.com/223-becca-nikki/) - Becca (35) and Nikki (31) are planning their wedding, but they’re already struggling with how to merge their money. Becca, a rock climbing guide with a variable income, has thrown herself into personal finance after years of scarcity thinking and now tracks every dollar. Nikki wants to feel more empowered but often defers to Becca’s
- [Episode 224. “I took on debt to help my family. Now she won’t marry me.”](https://www.iwillteachyoutoberich.com/224-rachel-pierre/) - Rachel (31) and Pierre (42) have been together for four years, building a loving and stable life in Brooklyn. But one issue is holding everything back: Pierre’s $60,000 in debt from a failed business he started to support his family. His plan is to wait it out, hoping the problem disappears. But Rachel is unwilling
- [Episode 225. “We’re losing $5k/mo. Where is it all going?”](https://www.iwillteachyoutoberich.com/225-lashan-david/) - Lashan (50) and David (49) have been married for nearly two decades, raising three children and building stable government careers. But when health complications and a sudden return-to-office mandate pressured Lashan into early retirement, their income dropped. Suddenly, $5,000 a month seems to vanish into thin air. Lashan, meticulous and controlling with money, carries the
- [Episode 226. “She’s chasing FIRE. I want to enjoy life now.”](https://www.iwillteachyoutoberich.com/226-laura-cameron/) - Laura (34) and Cameron (38) earn over $200,000 a year and save thousands each month, yet every decision feels like a crisis. Laura, a first-generation Mexican American, grew up in financial chaos and now enforces strict rules, from tracking every purchase in YNAB to keeping Cameron on an allowance. Her dream is to hit Coast
- [Episode 227. “We bought our dream house. Now we’re drowning”](https://www.iwillteachyoutoberich.com/227-jason-katie/) -  Jason (38) and Katie (36) thought buying their dream home in Minnesota would be the start of a new chapter. Instead, they’re buried in debt, daycare bills, and the pressure of raising a new baby while working demanding creative jobs in an industry threatened by AI. Despite earning $246,000 a year, they’ve been trapped
- [Episode 228. “I’m 30, broke, and tired of budgeting”](https://www.iwillteachyoutoberich.com/228-kristen-josh/) - Kristen (30) and Josh (36) married just last year, but their honeymoon phase is buried under $40,000 of debt and a sense of being “trapped.” Kristen is meticulous, tracking every dollar and carrying deep guilt around spending—even on herself. Josh, meanwhile, shrugs off the stress with a “we’ll figure it out” attitude, though his impulse
- [Episode 229.  “I’m almost 50 and have nothing to show for my life”](https://www.iwillteachyoutoberich.com/229-christine-thad/) - Christine (47) and Thad (57) have been together for more than six years, but instead of building wealth, they’re buried under nearly $340,000 of debt. Christine, the self-appointed “CFO,” is exhausted from tracking every bill, while Thad avoids the details and spends freely. Their conflicting money mindsets (Christine craving stability, Thad living for the moment)
- [Episode 230. “We spend 168% of what we make. What are we missing?”](https://www.iwillteachyoutoberich.com/230-amy-john/) - Amy (32) and John (40) are raising two young kids in Canada, earning a solid $155,000 a year. But with $768,181 in debt and fixed costs at 168% of their income, every month feels like a losing battle. Two years ago, John hid hundreds of thousands in business tax debt from Amy—what she calls “financial
- [Episode 231. “Our $200k in crypto is gone. Now we live with his mom.”](https://www.iwillteachyoutoberich.com/231-angela-david/) -  Angela (31) and David (34) thought they’d built a future on $200,000 in crypto. Instead, they lost it all—and now they’re living in David’s childhood home with his mom. Angela dreams of traveling to Colombia to be with family, while David quietly panics about their finances. She sees every course and trip as a
- [Episode 232. “My husband gives me an allowance. I feel like a child.”](https://www.iwillteachyoutoberich.com/232-ellen-edward/) - Edward (38) and Ellen (30) live in Hawaii with their young daughter and a new baby on the way. With a net worth of over $2 million, their finances look strong on paper, but behind the scenes, their marriage is strained by control, fear, and trust issues around money. Edward manages every dollar, while Ellen
- [Episode 233. “I save while she spends on vacations. Is this fair?”](https://www.iwillteachyoutoberich.com/233-samantha-kevin/) - Samantha (36) and Kevin (41) have been together for seven years, but their financial lives couldn’t look more different. He’s a high earner with $800,000 in investments and a paid-down mortgage. She’s still carrying student loans, car payments, and lingering shame about being “behind.” While Kevin saves methodically for the future, Samantha prefers to spend
- [Episode 234. "We have $100k+ in debt. Will we ever enjoy life?" (Part 1)](https://www.iwillteachyoutoberich.com/234-imani-michael/) -  Imani (52) and Michael (65) have been married for 24 years—and they’re drowning in nearly $126,000 of consumer debt despite earning over $250,000 a year. Imani, a disciplined attorney who tracks every dollar, feels trapped by Michael’s unchecked spending on electronics and his laid-back approach to money. She dreams of travel, freedom, and a
- [Episode 235. "Can we pay off this debt faster?" (Part 2)](https://www.iwillteachyoutoberich.com/235-imani-michael/) - Imani (52) and Michael (65) return for Part 2—and this time, Ramit pushes them to find out how fast they can turn things around. After years of miscommunication, mounting debt, and emotional exhaustion, they’ve finally started tackling their finances together. But when Facet’s retirement scenarios reveal how long their money will really last, they’re forced
- [Episode 236. “She spent $5K behind my back. How can I trust her?”](https://www.iwillteachyoutoberich.com/236-alex-jackie/) -  Alex (34) and Jackie (33) have been married for 11 years, raising four young kids while navigating a financial dynamic that’s been strained for nearly as long. Alex is meticulous and cautious — he’s tracked every expense since 2016 — while Jackie follows her instincts and believes God will provide. But when she secretly
- [Episode 237. “We bought our dream house. Then he lost his job.”](https://www.iwillteachyoutoberich.com/237-karen-chad/) - Karen (45) and Chad (44) built their lives around a high income: buying their dream home in a high-cost city and raising three kids with confidence in the future. But when Chad lost his $340K tech job, everything changed. Three years later, he’s earning half as much, their emergency savings are gone, and they’re borrowing
- [Episode 238. "We’re in credit card debt again. Will this ever stop?"](https://www.iwillteachyoutoberich.com/238-ado-gabby/) -  Ado (33) and Gabby (32) are exhausted by a cycle they can’t seem to escape: getting into credit card debt, paying it off, and then ending up right back where they started. Now, with $44,000 in credit card balances, student loans on both sides, and an $1,800 monthly daycare bill, they feel one setback
- [Episode 239. "He quit his high paying job and didn’t tell me"](https://www.iwillteachyoutoberich.com/239-jamie-ryan/) - Jamie (45) and Ryan (36) have been married for nearly a decade and share three kids, but their financial foundation was shaken when Ryan quit his high-paying finance job and cashed out his 401(k) without telling Jamie. Now earning far less, they’re still spending like nothing changed, running up credit card debt and ending each
- [Episode 240. “We book $10K vacations, then panic about money”](https://www.iwillteachyoutoberich.com/240-cheryl-michael/) - Cheryl (67) and Michael (69) have built rich, full lives: multiple careers, reinventions, and nearly 12 years of marriage. Yet when it comes to money, they feel stuck. They earn about $120,000 a year, have roughly $600,000 saved, and regularly book $10,000–$15,000 vacations focused on travel, family, and experiences. Then, almost immediately, panic sets in.
- [Episode 241. “We invested our wedding money…in psychedelics”](https://www.iwillteachyoutoberich.com/241-san-francisco/) - Two couples take the stage with a shared question—but very different financial realities: When is “enough” actually enough to move forward? Finn and Luna built a successful pet-sitting business and now sit on hundreds of thousands of dollars—but with no clear plan for investing, homeownership, or the future. Meanwhile, Monica and Antonio earn a strong
- [Episode 242. “Our couples therapist couldn’t fix this. Please help.”](https://www.iwillteachyoutoberich.com/episode-242-our-couples-therapist-couldnt-fix-this-please-help/) - Ramit Sethi of I Will Teach You To Be Rich talks to Natalie and Chris, married with two young kids and a net worth of $1.3 million. Despite their significant assets, money remains a constant source of conflict, especially when unexpected expenses arise. Chris tends to "freak out," emotionally withdrawing and becoming zombie-like,
- [Episode 243. "She inherited $171K…but it’s already gone."](https://www.iwillteachyoutoberich.com/episode-243-she-inherited-171kbut-its-already-gone/) - Ramit Sethi of I Will Teach You To Be Rich talks to Mike and Noel, a young couple who are both 34. They married just 6 months ago, but financial fights have become a daily occurrence, even after receiving a $170K windfall. Mike blames Noel for overspending, but admits they both struggle with money, while
- [Episode 244. "I'm in $244k debt but give $500/mo to my church"](https://www.iwillteachyoutoberich.com/episode-244-im-in-244k-debt-but-give-500-mo-to-my-church/) - Ramit Sethi of I Will Teach You To Be Rich continues his discussion with Mike and Noel in part two of their financial deep dive. The couple, married for just 6 months, faces a daunting $244K in debt with zero savings, fueled by previous "guilt-free" spending and a shocking $170K windfall that disappeared.
- [245. We make 6 figures. Why am I hiding fast food purchases?](https://www.iwillteachyoutoberich.com/245-we-make-6-figures-why-am-i-hiding-fast-food-purchases/) - Ramit Sethi of I Will Teach You To Be Rich talks to Grace and James, a couple from Ireland, aged 38 and 37, who have been navigating immense challenges. James was diagnosed with cancer and underwent a year of treatment, while Grace managed a difficult pregnancy and maternity leave with their second child,
- [Episode 247. "We’re in our 40s — with nothing saved"](https://www.iwillteachyoutoberich.com/episode-247-were-in-our-40s-with-nothing-saved/) -  Ramit Sethi of I Will Teach You To Be Rich talks to Stephanie and Chris, an early-40s couple with three young children, two of whom have special needs. Chris is a professor, and Stephanie, an RN, has recently cut back her hours due to burnout. Despite Chris’s confidence that “it’ll all work out,” their
- [Episode 246. "We’re drowning in debt, but bought another house"](https://www.iwillteachyoutoberich.com/episode-246-were-drowning-in-debt-but-bought-another-house/) - Ramit Sethi of I Will Teach You To Be Rich talks to Melissa and Tony, a couple who immigrated from Mexico with big dreams and an even bigger work ethic. In less than a decade, they've built a net worth of nearly $900,000. But beneath the surface of their impressive paper wealth, they’re carrying almost
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- [Best Interview Questions to Ask Candidates (As The Interviewer)](https://www.iwillteachyoutoberich.com/interview-questions-potential-employees/) - The best interview questions to ask candidates go beyond surface-level answers. Pick five to seven questions that map to what you actually need and require candidates to get specific about what they did, why, and the results. Use behavioral prompts and then ask follow-up questions to dig deeper to separate real experience from rehearsed answers.
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- [How to Trade Stocks (and find out if trading is right for you)](https://www.iwillteachyoutoberich.com/how-to-trade-stocks/) - Stock trading means buying and selling shares of a company, called stocks, to make money from short-term price changes. While I recommend low-cost index funds for most people’s investment portfolios, stock trading can be a skill worth learning if you have free cash to experiment with. What Stock Trading Means (and Who Should Do It)
- [How to Invest for Beginners (An Easy System That Really Works)](https://www.iwillteachyoutoberich.com/how-to-invest-money/) - Investing is how you build real wealth. Here’s how to make it run on autopilot: Learn the few investment options that actually work, open the right accounts in the right order to minimize taxes, automate your contributions so money grows without effort, choose low-cost index or target-date funds, and then do nothing while compound growth
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- [8 Financial Boundaries That Will Save Your Money and Sanity](https://www.iwillteachyoutoberich.com/financial-boundaries/) - Financial boundaries keep your money working for you rather than for everyone else. Start by knowing your numbers so you can spot the leaks. Create a clear policy for lending money, stop splitting bills that don’t make sense, and say no to plans that blow your budget. Protect your guilt-free spending from other people’s opinions,
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- [What Are Information Products (+ How to Create And Sell Yours)](https://www.iwillteachyoutoberich.com/information-products/) - The information products market hit $341 billion, and you can claim your piece without inventory, shipping, or huge startup costs. Information products like digital courses, ebooks, templates, and memberships let you package what you already know into income that scales while you sleep. What Are Information Products? Information products are digital assets that deliver knowledge,
- [Crafts That Make Money: 7 Profitable Ideas You Can Start Today](https://www.iwillteachyoutoberich.com/crafts-that-make-money/) - Selling crafts is one of the smartest ways to make money online because you don't need massive startup capital, and there are dozens of platforms ready to connect you with buyers right now. The most profitable craft categories right now are handmade accessories, custom clothing, stationery, self-care products, and more. You can start with materials
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- [How to Start a Consulting Business in 5 Steps (Even if You Have Zero Business Experience)](https://www.iwillteachyoutoberich.com/how-to-start-a-consulting-business/) - Got a skill you’re genuinely good at? Turn that expertise into a consulting business that pays you what you’re actually worth in just five steps: Validate your skill, create a business plan, implement a strong brand identity, use a few simple marketing strategies, and deliver what you do best. Step 1: Find Your Money-Making Expertise
- [What Is Soft Saving? How to Build Wealth Without Deprivation](https://www.iwillteachyoutoberich.com/soft-saving/) - Soft saving means prioritizing your happiness today over aggressive future planning. It's part of the "soft living" movement that chooses comfort and mental health over hustle culture. You still save money, but you refuse to sacrifice everything fun for some distant retirement dream. What Soft Saving Really Means (And Why Everyone Gets It Wrong) Gen
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- [How To Cut Expenses: 13 Proven Strategies That Actually Work](https://www.iwillteachyoutoberich.com/how-to-cut-expenses/) - Cutting expenses means spending less money on your monthly bills and purchases to free up cash for savings or other priorities. Instead of the typical advice to cut everything and live like a monk, I believe you should cut ruthlessly on things you don't care about so you can spend extravagantly on things you love.
- [How Much Does it Cost to Refinance? What You'll Actually Pay](https://www.iwillteachyoutoberich.com/how-much-does-it-cost-to-refinance/) - Refinancing your mortgage typically incurs closing costs ranging from 2-6% of your new loan amount. That means if you're refinancing a $300,000 mortgage, you'll be looking at fees ranging from $6,000 to $18,000. Yes, that's a huge range, and yes, most lenders bury these costs in fine print, hoping you won't notice. What Refinancing Actually
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- [How to Stop Overspending (& Spending Triggers To Watch For)](https://www.iwillteachyoutoberich.com/overspending/) - Overspending means regularly spending more money than you planned or can afford, whether that's blowing your monthly budget, racking up credit card debt, or buying things you don't need and later regret. Most people don't wake up intending to overspend, but a combination of emotions, habits, and easy access to purchasing makes it surprisingly common.
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- [How to Do a Subscription Audit (+ Why You Need It To Save Big)](https://www.iwillteachyoutoberich.com/subscription-audit/) - A subscription audit involves reviewing all your recurring monthly or annual charges to determine what you’re paying for, the associated costs, and whether you’re actually using those services. Pull your last three months of bank statements, list every recurring charge, cancel what you don’t use, and set up a tracking system so subscriptions don’t pile
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- [The Ultimate Guide To Remarkable Content](https://www.iwillteachyoutoberich.com/the-ultimate-guide-to-remarkable-content/) - By reading this Ultimate Guide you’re already taking the first steps on your journey to a Rich Life. This is only an introduction to the ideas and material you’ll find inside IWT. I started this site in 2004 while I was studying technology and psychology at Stanford. I’ve spent the time since testing and honing
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- [Market Timing: Why It Doesn't Work (And What To Do Instead)](https://www.iwillteachyoutoberich.com/market-timing/) - Market timing is basically people yanking money in and out of investments out of fear or greed. While it sounds incredibly appealing to buy low and sell high with perfect precision, nobody can consistently predict what the market will do next. Honestly, most investors who try to “time the market” get the exact opposite of
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- [How to improve your credit score FAST (Stalling + Loopholes)](https://www.iwillteachyoutoberich.com/how-to-improve-your-credit-score/) - Before I show you how to improve your credit score, let’s take a super quick look at just how important your credit score really is. In fact, improving your credit score could be worth $100,000’s. Consider two people: Abby, who has great credit (760) Derek, who has poor credit (620) In their 30s, they decide
- [Invisible Money Scripts Ruining Your Finances (with real stories)](https://www.iwillteachyoutoberich.com/money-scripts/) - “Money scripts,” coined by Brad Klontz, describes our unconscious beliefs about money, often developed in early childhood. Without understanding your money scripts, you may simply label yourself as a spendthrift or an overspender, but learning to understand these scripts helps us to better manage our financial wellbeing and navigate situations involving money more wisely. In
- [How To Save For A House (And Decide If Buying Is Right For You)](https://www.iwillteachyoutoberich.com/save-money-for-house/) - Buying a house can be a great investment, but it’s not the right investment for everyone. The real cost of homeownership goes beyond a mortgage payment, and renting can often be the smarter financial choice. This guide breaks down how to save for a house, account for hidden costs, and decide whether buying or renting
- [Should I Pay Off My Student Loans (+ Paying Them Off Fast)](https://www.iwillteachyoutoberich.com/should-i-pay-off-my-student-loans/) - Paying off your student loans is almost always the right move, but there is more to it than just clearing debt. The best approach depends on your financial situation, priorities, and long-term goals. In this article, we will answer the question, should I pay off my student loans, explain why it matters, when other strategies
- [7 Frugal Habits To Save Money (while still living your Rich Life)](https://www.iwillteachyoutoberich.com/frugal-habits-to-save-money/) - For nearly two decades, we’ve helped thousands of students live their richest lives by mastering their money, business, and careers. In this post, I’ll share frugal habits to save money without sacrificing what truly matters to you. These habits will empower you to say “yes” to what brings you the most joy and fulfillment. Living
- [How To Buy a House: A Guide for Homebuying in 2025](https://www.iwillteachyoutoberich.com/how-to-buy-a-house/) - Buying a house is one of the biggest financial decisions most people ever make. So, it’s no surprise that there are a LOT of misconceptions around this major life milestone. A few common myths include: Renting is throwing money away because you don’t own a house! Houses are a good investment because they build equity.
- [Fear of Money Is Keeping You Broke: Here’s How to Fix It](https://www.iwillteachyoutoberich.com/scared-of-money-why-how-to-overcome-your-fear-today/) - The fear of money is the deep anxiety that stops you from negotiating your salary, trusting yourself with credit cards, or living your Rich Life. Once you understand how that fear is shaping your choices and costing you money, you can start to replace it with trust, control, and the freedom to live the life Learn how fear of money shapes your financial decisions and explore practical steps to build trust, gain control, and create the freedom to live your Rich Life.
- [Fear of Selling: Why Your Brain Hurts Sales (& How to Rewire It)](https://www.iwillteachyoutoberich.com/fear-of-selling/) - I used to price my eBooks at a pathetic $4.95 because I was terrified of asking for real money. Now I regularly launch products for $12,000. What changed was realizing that selling isn't really about me, it's about helping customers by providing them with something that solves their problems. Why Your Brain Is Sabotaging Your Stop letting sales fear block your success. This guide shows you how to shift from self-focus to customer-focus and build fearless selling habits.
- [Irregular Income Budget: 4 Steps to Stability Without Steady Pay](https://www.iwillteachyoutoberich.com/irregular-income-budget/) - To manage an irregular income budget, start by calculating your monthly survival number. Then, build a financial reserve using income from strong months to cover lean ones. Remember to automate your savings and investments based on averages, not monthly swings. All of this will allow you to enjoy any surplus guilt-free knowing your essentials are
- [50/15/5 Rule Explained: A Budget That Beats Out Spreadsheets](https://www.iwillteachyoutoberich.com/50-15-5-rule/) - The 50/15/5 rule allocates 50% of take-home pay to essentials, 15% to retirement, and 5% to short-term savings, leaving 30% for everything else. This budgeting framework actually works because it focuses on the big picture, rather than forcing you to track every coffee purchase. What Is the 50/15/5 Rule and Why It Beats Other Budget What is the 50/15/5 rule? Allocate 50% essentials, 15% retirement, 5% short-term savings, 30% everything else. Learn how to set it up and make it stick.
- [How to Monetize Your Expertise: 5 Steps Transform Your Income](https://www.iwillteachyoutoberich.com/monetize-your-expertise/) - You can turn your expertise into income by getting specific about your niche, defining the transformation you offer, choosing one platform to start, packaging your expertise into products or services, and building visibility by giving value first. What Gold Mine Are You Sitting On? (How To Recognize Your Hidden Expertise) Most people walk around with Wondering how to monetize your expertise? Discover practical ways to define your niche, package your skills, choose the right platform, and turn your knowledge into a profitable business.
- [Why Idle Cash Is Killing Your Wealth (And What to Do Instead)](https://www.iwillteachyoutoberich.com/idle-cash/) - Idle cash refers to money sitting around earning zero returns, whether it's stored in a safe, held in a checking account with no interest, or simply accumulating without any productive purpose. If you know me, you know I've strongly advised against letting money sit idle like this because it's one of the biggest wealth-killing mistakes
- [ADHD Budgeting Guide: Simple Steps That Work with Your Brain](https://www.iwillteachyoutoberich.com/adhd-budgeting/) - Most budgeting advice is useless if you have ADHD. It's written for people who can track every penny and stick to rigid rules, not for when you can't help but forget things, impulsively spend, and struggle with motivation. The answer to this isn't more willpower or stricter tracking. It's about utilising automations and having a
- [Should I Pay Off My Car Loan Early? Here's What Matters](https://www.iwillteachyoutoberich.com/should-i-pay-off-my-car-loan-early/) - Pay it off early if your rate is above 6% or if you're planning major life changes within the next two years. Otherwise, keep your car loan if the interest rate is below 4% and you have an emergency savings account. That said, if monthly payments genuinely stress you out or you struggle with investing
- [Minimum Payment on Credit Card: What It Really Costs You](https://www.iwillteachyoutoberich.com/minimum-payment-on-credit-card/) - Your minimum payment is the smallest amount you need to pay each month to keep your credit card company happy. Making these payments on time keeps you current but also keeps you broke. Pay the entire balance every month and automate the payment so you never have to think about it again. What is a
- [How to Make Small Talk To Grow Your Career and Relationships](https://www.iwillteachyoutoberich.com/how-to-make-small-talk-and-advanced-social-skills/) - The easiest way to get better at small talk is to stop trying to impress people and start making them feel interesting. Use simple openers, ask thoughtful follow-up questions, and share just enough about yourself to keep the conversation moving. Why Small Talk Skills Determine Your Success More Than You Think Poor small talk skills
- [Automated Investing (A Lazy Person's Guide to Building Wealth)](https://www.iwillteachyoutoberich.com/all-about-automatic-investing/) - Automated investing builds long-term wealth by consistently investing in low-cost index funds without the stress of picking stocks or timing the market. To start, set up a simple system: open an investment account, pick one broad index or target-date fund, automate monthly contributions, and let compound growth do the work. This approach avoids hidden fees,
- [How to Pay for a Wedding Without Breaking Your Budget](https://www.iwillteachyoutoberich.com/the-28000-question-why-are-we-all-hypocrites-about-weddings/) - Its the age-old question: Why are weddings so expensive? Well give you the answer to that along with advice from a wedding planner on how to save for your big day.
- [How to Deal With Office Politics (+ Tips For Career Advancement)](https://www.iwillteachyoutoberich.com/office-politics/) - Technical skills alone won’t get you ahead at work; you have to master office politics as well. And by “politics,” I don’t mean toxic gossip or manipulation. I mean understanding who holds influence, strategically building relationships, and making your contributions visible so you can move your career forward. What Office Politics Really Are (and Why
- [How to Break Bad Habits For Good (+ Excellent Habits to Build)](https://www.iwillteachyoutoberich.com/how-to-break-bad-habits/) - To break any habit, you need to identify the cue that triggers it, replace the routine with a better behavior, and reward yourself immediately to reinforce the change. The 5 Steps to Break Any Bad Habit Most habit advice focuses on the behavior itself rather than the underlying system that creates the behavior in the Ditch guilt and design habits that work. Follow five steps to replace bad patterns, recover fast when you slip, and build automated wealth routines.
- [How to Be a Good Storyteller (in 5 Simple Steps That Work)](https://www.iwillteachyoutoberich.com/how-to-tell-killer-stories/) - Being a good storyteller is a learnable skill that follows five simple steps: build a story toolbox, cut unnecessary details, know your point, practice until natural, and test in safe spaces. You can use this exact system to help land dream jobs, close deals, and build relationships that change your career. Why Being a Good Ditch guilt and design habits that work. Follow five steps to replace bad patterns, recover fast when you slip, and build automated wealth routines.
- [Money and Marriage: 15 Lessons That Save Relationships](https://www.iwillteachyoutoberich.com/money-and-marriage/) - We asked long-time married couples to share their best advice for ensuring a happy money marriage. Heres what they said.
- [10 Easy Side Hustle Ideas You Can Start With No Experience](https://www.iwillteachyoutoberich.com/side-hustle-ideas/) - You can start earning extra income without experience by offering simple services, creating and selling content or products, or taking on flexible remote work. This list covers ten proven side hustle ideas that are flexible, beginner friendly, and can be started right away. 1. Turn Your Knowledge into a Flexible Side Income Online Online tutors
- [Is Buying a House During a Recession Worth It?](https://www.iwillteachyoutoberich.com/buying-a-house-in-recession-advice/) - Buying a home during a recession can offer lower prices and less competition—but it also ties up cash, adds hidden costs, and comes with stricter lending. If your finances are solid, you have a large emergency fund, and the deal fits your long-term goals, it can be a smart move. But for most buyers, waiting Recession home deals look tempting, but are they worth it? Learn the traps most buyers miss and the conditions that make buying a smart move.
- [What is Personal Finance (The 4 Things That Matter)](https://www.iwillteachyoutoberich.com/personal-finance-definition/) - At the heart of your personal finances are how you save, invest, earn, and spend. Find out how to approach all 4 pillars today.
- [How to Sell a House: From Zero to Sold in 3 Months](https://www.iwillteachyoutoberich.com/selling-a-house/) - To sell your house in three months, you need to choose your selling strategy in week one, set the right price, and start decluttering early so your home shows well. By the second month, start handling inspections, repairs, and staging, then hire a photographer so your listing stands out. In month three, launch your listing,
- [How to Start a Blog in 2025 (& gain loyal readers)](https://www.iwillteachyoutoberich.com/how-to-start-a-blog/) - Key Takeaways: How to Start a Blog Find a niche and post consistently to see the best results. Get hosting and choose a blogging platform. Focus on quality, longer-length posts. Optimize your blog for things your readers search for. Use your content to build authority and monetize services. Promote your content on social media and
- [How to Budget as a Couple (+ Build a Rich Life Without Fighting)](https://www.iwillteachyoutoberich.com/how-to-budget-as-a-couple/) - Most couples budget backwards by tracking every expense and arguing about coffee purchases. The better option is to use my Conscious Spending Plan, which combines incomes, automates money into four categories, and eliminates fights while building your Rich Life together. How to Budget as a Couple: The 4-Step System The Conscious Spending Plan is the
- [401k Loan: Why 'Borrowing From Yourself' Is Actually Borrowing From Your Future](https://www.iwillteachyoutoberich.com/401k-loan/) - A 401k loan lets you borrow up to 50% of your vested balance, capped at $50,000. While this is one way to access extra cash, tapping into your retirement savings will cost you hundreds of thousands of dollars in the long run. What Borrowing From Your 401k Actually Means Under IRS rules, a 401k loan Discover the real cost of a 401 (k) loan and why “borrowing from yourself” can mess up your retirement by destroying long-term compound growth.
- [How To Sell Digital Products in 2025 (4 easy steps to start today)](https://www.iwillteachyoutoberich.com/how-to-sell-digital-products/) - Ever wondered how to turn your expertise into a profitable digital product empire? Selling digital products is about creating value and connecting with your audience. In this article, I’ll explain exactly how to sell digital products, drawing from my own experience of selling millions. You’ll get actionable tips and strategies based on real success so
- [10 Easy Money Rules for 2025 (by Ramit Sethi)](https://www.iwillteachyoutoberich.com/money-rules/) - While you definitely need a spending plan, it’s never one-size-fits-all. The key to building financial health is to give yourself rules, but make them work for you. I did it. I’ve put together my 10 money rules that helped me create the life I want to live. I encourage you to take them and tailor
- [How to Stop Impulse Buying (Without Hating Your Life)](https://www.iwillteachyoutoberich.com/impulse-buying/) - To stop impulse buying, calculate how much you’re actually spending, set up automatic systems with separate accounts, create waiting periods for larger purchases, remove common triggers, and redirect impulse energy toward your Rich Life goals. After that, automate your frequent purchases, use cash envelopes for problem categories, and build in accountability. This approach keeps your
- [Productivity Hacks Proven to Boost Energy, Focus, and Results](https://www.iwillteachyoutoberich.com/productivity-tips/) - Productivity hacks are simple changes to how you work that deliver massive results without requiring superhuman discipline or more hours than you have in a day. The most effective hacks work with your brain’s natural patterns to make productivity feel effortless instead of exhausting, which frees up time for the things you care about most.
- [Credit Card Rental Car Insurance (Your Guide to Free Coverage)](https://www.iwillteachyoutoberich.com/credit-card-rental-car-insurance/) - When you rent a car, the company will usually try to sell you extra insurance for $15–25 a day to cover potential accidents, theft, and damage. However, many people are unaware that their credit card may already include rental car insurance, providing them with the same protection without the added daily cost. Here's How Your
- [How to Write Copy That Sells (and Makes Money)](https://www.iwillteachyoutoberich.com/how-to-write-copy/) - Learn exactly how to write copy that gets into your customers’ heads and has them clamoring to buy from you.
- [How Many Savings Accounts Do I Need?](https://www.iwillteachyoutoberich.com/how-many-savings-accounts-should-i-have/) - One savings account is enough for most people, two to three work well if each has a clear purpose, and anything beyond that usually just makes your life unnecessarily complicated. How Many Savings Accounts Do You Actually Need? Technically, there’s no limit to how many savings accounts you can open. Most banks will happily let
- [Pay Off Student Loans or Invest: Why You Don't Have to Choose](https://www.iwillteachyoutoberich.com/investing-vs-paying-off-student-loans/) - The best approach is likely to split your money between both—chipping away at your debt and making smart investments at the same time. Your Options: Pay Off Loans, Invest, or Do Both A college education is one of the most important investments in your career. But according to the Federal Reserve, the average student graduates
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- [What Is a Frozen Bank Account and How to Unfreeze It Quickly](https://www.iwillteachyoutoberich.com/frozen-bank-account/) - A frozen bank account means you can't access your money and they happen for three main reasons: suspected fraud, unpaid debts, or court orders. The good news is that most freezes can be resolved within 24 to 48 hours. To unfreeze your account, call your bank immediately, get the exact reason in writing, and provide
- [How to Make Money with Airbnb (Even Without Owning Property)](https://www.iwillteachyoutoberich.com/how-to-make-money-with-airbnb/) - There's more than one way to make money with Airbnb—and you don't need to own property to get started. The easiest way to start earning with Airbnb is by hosting—renting out a spare room, entire home, or managing someone else’s property. Airbnb Hosting: The Most Common Method Airbnb hosting means renting out a space to
- [Underconsumption Core: Why This TikTok Trend Won't Make You Rich (But This Will)](https://www.iwillteachyoutoberich.com/underconsumption-core/) - There's this trend on TikTok that caught my attention recently. Instead of showing what to buy like most influencers do, creators are showing what they didn't buy. It's called "underconsumption core," and honestly? It's refreshing to see people questioning mindless spending for once. What the Heck Is Underconsumption Core? Underconsumption core is all over TikTok
- [How Financial Minimalism Transforms Your Money And Life](https://www.iwillteachyoutoberich.com/financial-minimalism/) - Financial minimalism means spending money only on things that truly matter to you while ruthlessly cutting everything else. When you stop wasting money on stuff you don't care about, you have more to spend on what you love. What Financial Minimalism Actually Looks Like Financial minimalism isn't about living like a monk or depriving yourself
- [How to Make a Million Dollars: advice + tips from real millionaires](https://www.iwillteachyoutoberich.com/how-to-make-a-million-dollars/) - Real millionaires tell you exactly how to make a million dollars sharing their personal systems and some counterintuitive advice.
- [Should I Quit My Job? (7 Reasons to Walk Away)](https://www.iwillteachyoutoberich.com/should-i-quit-my-job/) - Quitting your job is rarely a simple yes-or-no decision. If you’ve outgrown the role, stopped learning, or discovered you’re being underpaid with no fix in sight, it’s a signal to move on. 7 Signs You Should Quit Your Job Here are seven situations where quitting might not only make sense but actually set you up
- [How to Overcome Objections in Sales Before Your Customers Even Think "No"](https://www.iwillteachyoutoberich.com/overcome-sales-objections/) - Eliminating your customers’ objections before they form is often more effective than addressing the same objections later. You can achieve this by knowing your customers’ concerns, building solutions into your offer, and addressing doubts using their own words. How to Kill the Objections Before They Even Start The best salespeople don’t wait for objections—they anticipate
- [How to Network Effectively: 6 Proven Methods](https://www.iwillteachyoutoberich.com/professional-networking/) - “It’s not what you know, it’s who you know.” Cliche, yes. True? Absolutely when it comes to networking. Networking can unlock opportunities, stimulate new ideas, help you get closer to your dream job, or even skyrocket your business to success. For many of us, networking does not come naturally, especially for those who are
- [8 Money Habits To Start Living Your Rich Life (+ real life stories)](https://www.iwillteachyoutoberich.com/money-habits/) - Most money advice is all about cutting back, but true financial success is about making smart choices and shifting your mindset. Top financial performers focus on what matters, take bold steps, and optimize every part of their financial life. In this post, we’ll cover 8 powerful money habits to help you start living your Rich
- [Dollar Cost Averaging vs Lump Sum: Should You Invest $50K All at Once?](https://www.iwillteachyoutoberich.com/dollar-cost-averaging-vs-lump-sum/) - Lump sum investing outperforms dollar-cost averaging 68% of the time. That shocks a lot of people who've been told slow and steady always wins. But the numbers aren't the only things that matter. Your comfort and timeline play a huge role too. Dollar Cost Averaging vs Lump Sum: What’s The Difference? Dollar-cost averaging spreads your
- [Average Net Worth By Age & 3 Best Ways to Increase Yours](https://www.iwillteachyoutoberich.com/average-net-worth-by-age/) - Find out how you stack up to the average net worth by age (as well as systems to increase your net worth today).
- [How To Pay Off Credit Card Debt (Without Feeling Overwhelmed)](https://www.iwillteachyoutoberich.com/pay-off-credit-card-debt/) - Credit card debt can feel overwhelming, but many people have faced it head-on and come out on top. In this article, we’ll cover the best ways to pay off credit card debt, common mistakes to avoid, and whether consolidation or refinancing makes sense for you. Find out How Much You Owe You’d be surprised how
- [How Many Credit Cards Should I Have (And When It's Too Many)](https://www.iwillteachyoutoberich.com/how-many-credit-cards-should-i-have/) - I recommend having 2-3 credit cards total. Remember, the point of life isn't to squeeze out the maximum amount of credit card rewards—it's to live a Rich Life with simple, effective financial systems. The Ideal Number of Credit Cards for Different Situations Most Americans have way too many credit cards when the ideal number is
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- [How to Get a Credit Line Increase (Effective Scripts & Strategies)](https://www.iwillteachyoutoberich.com/credit-line-increase/) - Banks approve credit line increases for customers who demonstrate growing income, low credit utilization, and responsible payment history. Position yourself as their ideal borrower by documenting your financial improvements and asking at the right time. How To Get A Credit Line Increase Getting approved for a credit line increase requires a strategic approach that positions
- [What Are Closing Costs? The Complete Guide to Housing Costs](https://www.iwillteachyoutoberich.com/closing-costs/) - Closing costs are the fees you pay to finalize your mortgage, typically ranging from 3% to 6% of your loan amount, in addition to your down payment. Most first-time buyers get blindsided by a $15,000 surprise bill at closing. What Are Closing Costs (And Why They'll Cost You More Than Expected) Closing costs are all
- [How to Become a Business Owner in 5 Steps](https://www.iwillteachyoutoberich.com/how-to-become-business-owner/) - Becoming a business owner doesn’t have to be overwhelming. With these five steps, you’ll learn how to find a profitable idea, set up a simple foundation, manage your finances, make your first sale, and build systems that let the business run without you. Step 1: Find Your Golden Goose Idea (Using the Demand Matrix) Not
- [Loan Budgeting Made Simple (Pay Off Debt and Build Wealth)](https://www.iwillteachyoutoberich.com/loan-budgeting/) - Loan budgeting means having a plan to pay off debt while still living your life — without the stress of constantly juggling payments. Why Most People Fail at Loan Budgeting (And What Actually Works) Most people never calculate the real cost of their loans before signing papers. They forget that a $300 monthly payment for Learn how to budget loans effectively to pay off debt faster, reduce interest costs, and build wealth while living stress-free and in control of your finances.
- [How to Handle a Financial Windfall (Rich Life vs Going Broke)](https://www.iwillteachyoutoberich.com/financial-windfall/) - A financial windfall is a large sum of money you receive unexpectedly, like an inheritance, lottery win, or business sale. Getting sudden wealth feels incredible and creates amazing opportunities, but most people blow it within 3 years because they lack a clear vision for transforming this money into lasting financial freedom and the lifestyle they've Learn how to wisely manage a financial windfall so you can build lasting wealth, avoid common mistakes, and secure the life you have always imagined.
- [How to Prepare for a Performance Review](https://www.iwillteachyoutoberich.com/performance-review-preparation/) - If you want to nail your performance review, you need to start preparing months in advance by tracking results, building your case, and aligning your work with what actually drives value for your team. Step 1: Start Preparing Three to Six Months Ahead The best time to prepare for your performance review is well before Learn how to prepare for your performance review by tracking wins, building your case, and confidently negotiating the raise or promotion you deserve.
- [Things to Sell to Make Money (15 High-Profit Items)](https://www.iwillteachyoutoberich.com/things-to-sell-to-make-money/) - Looking for things to sell to make money online? Start with what you already have—unused items, overlooked skills, and simple creative projects that can turn into real cash fast. 1. Sell unused items hiding in your home Most people underestimate how much money is sitting in their own homes. You might be surprised by how Discover 15 high-profit items to sell online, including unused goods, skills, and collectibles that help you clear clutter and earn extra cash with minimal effort.
- [How To Make Extra Money While Working Full Time](https://www.iwillteachyoutoberich.com/earning-more-when-you-have-no-free-time/) - How to Make Extra Money While Working Full TimeYou can make extra money without burning out by working during your natural downtime, protecting your energy, and choosing a side hustle that actually fits your life. 4 Practical Steps to Balance a Full-Time Job with Side Income (Without Burning Out) Before jumping into a side hustle, Discover how to make extra money while working full time with flexible side hustles. Learn to balance your job, avoid burnout, and boost your income smartly.
- [How to Negotiate a Raise](https://www.iwillteachyoutoberich.com/the-ultimate-guide-to-getting-a-raise/) - To negotiate a raise successfully, you need to show clear evidence of your value, document your specific wins, research salary benchmarks, and schedule a dedicated meeting where you can present your case. How to Negotiate a Raise: The Complete Step-by-Step System Don’t wing it or simply hope for the best. Here’s exactly how to prepare Learn how to negotiate a raise with confidence using a proven step-by-step system to showcase your value, research salary data, and ask at the right time.
- [What Is a Hedge Fund? (And Why You’re Better off Without One)](https://www.iwillteachyoutoberich.com/hedge-funds/) - A hedge fund is a high-fee investment vehicle for the ultra-wealthy that uses aggressive strategies to try and beat the market—but most hedge funds don’t. Unless you have over $1 million and deep experience, skip it. If you’re just starting out or are still building wealth, focus on low-cost, diversified index funds that actually work. Learn what hedge funds really are, why they rarely outperform the market, and why most investors are better off with simple, low-cost index funds.
- [5 Ways To Make Money From Home That Actually Pay](https://www.iwillteachyoutoberich.com/make-money-from-home/) - Rent out your space or car, sell your skills or knowledge, create digital or physical products, or offer in-demand remote services. These are five proven ways to turn what you already have into income from home. 1. Turn What You Already Own into Cold Hard Cash The fastest way to start making money from home Discover five real ways to make money from home using your skills, space, or stuff. No gimmicks, just proven ideas that work if you treat them like real businesses.
- [High-Risk vs. Low-Risk Investments Made Easy](https://www.iwillteachyoutoberich.com/high-risk-vs-low-risk-investing/) - High-risk investments promise big returns. Low-risk ones offer stability. The smartest investors use both—on purpose. This isn’t about which is “better.” It’s about knowing the role each plays. Low-risk investments are your financial foundation—steady, diversified, and built to grow quietly over time. High-risk investments are optional for upside plays you can afford to lose. Mixing Discover the difference between high-risk and low-risk investments and learn how to build long-term wealth with a smart balance tailored to your financial goals.
- [Living Below Your Means: How to Spend Less and Live More](https://www.iwillteachyoutoberich.com/living-below-your-means/) - Living below your means is simply spending less money than you earn each month so you have money left over for savings, investments, and your future goals. 7 Steps On How To Live Below Your Means These steps work best when you follow them in order because each one builds on the previous step to Explore ways to live below your means with 7 practical steps to track spending, cut costs, and build wealth while enjoying a richer, more intentional life.
- [Do Student Loans Affect Your Credit Score? Here's What Matters](https://www.iwillteachyoutoberich.com/do-student-loans-affect-your-credit-score/) - Student loans absolutely affect your credit score, but they're not automatically "bad debt" that destroys your financial future. When handled properly, student loans can actually help build your credit history and set you up for long-term financial success. What Actually Matters When Student Loans Hit Your Credit Student loans impact your credit score through five Discover how student loans impact your credit score, what really matters, and smart strategies to use them to build credit without harming your financial future.
- [Financial Wellness Made Simple (A 4-Step System That Works)](https://www.iwillteachyoutoberich.com/financial-wellness/) - Financial wellness means having control over your money, rather than your money controlling you. It's the difference between checking your bank account with dread and checking it with confidence. Most people think financial wellness is about having millions in the bank, but it's actually about designing a money system that supports your Rich Life without Discover a simple 4 step system to master financial wellness, gain control, build security, and align spending with your values for lasting money peace.
- [How Does Credit Card Interest Work (+ Credit Rules That Work)](https://www.iwillteachyoutoberich.com/how-does-credit-card-interest-work/) - Credit card interest is calculated daily on any unpaid balance and compounds until the balance is paid off completely. Most Americans pay over $1,200 per year in credit card interest because they don't understand this simple system. How Credit Card Interest Actually Works Credit card companies calculate interest charges every single day, not monthly like Discover how credit card interest really works, why most people overpay without realizing it, and the smart rules that help you avoid debt and beat the credit card game.
- [Money Dysmorphia (Your Warped Money Mindset is Costing You)](https://www.iwillteachyoutoberich.com/money-dysmorphia/) - Money dysmorphia is when your perception of your finances doesn't match reality. You might earn a decent income, have savings, and no debt, yet still feel constantly anxious, behind, or "bad with money." 5 Signs You’re Infected With Money Dysmorphia You've got money in the bank, no debt, maybe even a solid income. And still, Learn how money dysmorphia distorts your financial reality and keeps you feeling anxious, behind, or broke even when your income, savings, and stability say otherwise.
- [HELOC vs Home Equity Loan: The Real Numbers Banks Don't Want You to See](https://www.iwillteachyoutoberich.com/heloc-vs-home-equity-loan/) - Choose a HELOC if you need flexible access to cash over time and can handle variable rates. Consider a home equity loan if you require a lump sum with predictable monthly payments. However, be cautious because you're literally betting your house, and most people who consider these options have deeper financial problems they're not addressing. Discover the truth about HELOCs vs. home equity loans. Learn how they really work, the hidden risks, and why banks love confusing you. Don’t bet your house blindly.
- [Doom Spending Exposed (& How To Stop the Stress-Spending)](https://www.iwillteachyoutoberich.com/doom-spending/) - Doom spending occurs when you buy things you don't need or can't afford, as a way to cope with financial stress or concerns about the future. What Doom Spending Actually Costs You (Beyond the Price Tag) Doom spending steals more than just the money you waste on items sitting unused in your closet. It robs Discover why doom spending fuels financial stress and steals your future wealth. Explore practical strategies to break the cycle, build lasting habits, and regain control.
- [How a 401(k) Works: The Easiest Way to Grow Your Money](https://www.iwillteachyoutoberich.com/401k-the-single-best-way-to-grow-your-money/) - A 401(k) is a retirement savings account that allows you to invest a portion of your paycheck before paying taxes. In many cases, employers will match part of your contributions, giving your savings an extra boost. This combination of regular contributions and compound growth helps your money grow significantly by the time you retire. Why
- [Social Skills: Use the SETHI Technique to be Unforgettable](https://www.iwillteachyoutoberich.com/the-ultimate-guide-to-social-skills/) - Your social skills shape your success more than you think. The promotion you missed, the deal that fell through, the connection that never took off—these often come down to one thing—your ability to leave a lasting, positive impression through strong social skills. Why Social Skills Matter More Than You Think Most people go through life
- [Itemized Deductions: What They Are and How To Maximize Your Tax Return](https://www.iwillteachyoutoberich.com/itemized-deductions/) - Itemized deductions let you subtract certain qualified expenses from your taxable income, potentially saving you thousands more than the standard deduction. Disclaimer: This content is for informational purposes only and should not be considered tax, legal, or financial advice. Always consult a qualified professional regarding your specific situation. What Is an Itemized Deduction? Itemized deductions
- [How To Build Confidence (With Actionable Hacks That Aren’t Embarrassing)](https://www.iwillteachyoutoberich.com/build-confidence/) - Confidence isn’t something you’re born with; it’s a skill you build. Just like managing money or giving a great presentation, building confidence comes from taking consistent action and proving to yourself that you can handle whatever life throws at you. Confidence Hack #1: The Invisibility Cloak Technique Picture yourself wearing an invisible cloak that shields
- [Professional Growth Roadmap: Skills, Strategy, and Smart Risks](https://www.iwillteachyoutoberich.com/professional-growth/) - While professional development is all about learning, professional growth is what happens when you apply all that learning—leading to real outcomes like promotions, pay bumps, and career-defining projects. 8 Strategies for Professional Growth These strategies are designed to help you focus your time, energy, and ambition where they’ll actually make a big impact. 1. Focus
- [Starting a New Job: The First 90 Days Done Right](https://www.iwillteachyoutoberich.com/starting-new-job/) - Starting a new job successfully means making a great first impression while learning everything you need to excel long-term. You need to introduce yourself confidently, ask smart questions, and build relationships with the right people. Preparing Before You Walk in the Door (1 Week Out) Before you set foot in the office (or log in
- [How to Save Money and Still Enjoy Life](https://www.iwillteachyoutoberich.com/best-way-to-save-money/) - There’s only one way to save money, and that’s spending less than you earn. More specifically, you can cut costs on things you don’t care about, find ways to earn more money, and negotiate better deals on bills you’re already paying so you don’t have to spend less on things you actually enjoy. Cut Your
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- [The Three Best Credit Cards That Give You Value Without the Hassle](https://www.iwillteachyoutoberich.com/best-credit-cards/) - There are only three cards in the market that meet my standards: the Fidelity Rewards Visa Signature, the Chase Sapphire Reserve, and the American Express Platinum. The Only 3 Credit Cards Most People Actually Need You really don’t need ten different cards to “win” at credit. For most people, three well-chosen options cover every base:
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- [Money for Couples](https://www.iwillteachyoutoberich.com/money-for-couples/)
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- [Top 5 Personal Finance Software of 2025](https://www.iwillteachyoutoberich.com/personal-finance-software/) - Today, staying on top of your money matters is more important than ever. That’s why I’ve handpicked the top 5 personal finance software, each designed to cater to different aspects of your financial journey. So, let’s cut through the clutter and focus on what really works. Below are my top recommendations for personal finance software
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- [How To Get An Internship: A Guide And Tips For College Students](https://www.iwillteachyoutoberich.com/how-to-get-internship/) - Are you a college student thinking about your transition into the “real world”? An internship is a great way to get job experience that looks great on a resume while learning more about your field. But, how do you get started with finding and securing an internship? In this article, I’ll break down how to
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- [Write Reviews For Amazon And Get Paid (100% legal ways)](https://www.iwillteachyoutoberich.com/write-reviews-for-amazon-and-get-paid/) - What if you could turn your shopping experiences and product insights into a side hustle? While Amazon doesn’t directly pay for reviews, there are legitimate ways to monetize your opinions about products sold on the platform. In this post, we’ll explore eight ethical strategies to write reviews for Amazon and get paid, all while staying
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- [How to quit a job you just started (+ fill-in-the-blanks resignation letter template)](https://www.iwillteachyoutoberich.com/quit-new-job/) - Not all new jobs start on a good note, and if this has happened to you, quitting a job you just started may be the only answer. In this post, I’ll map out a step by step guide on how to quit a job you just started, and things to consider if you’re still on
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- [How To Become A Search Engine Evaluator (Land A Job Today)](https://www.iwillteachyoutoberich.com/search-engine-evaluator/) - Whenever you type a question into Google, a magical list of links appears, but have you ever wondered how they know they’re giving you the best answers? Search engine evaluators are the behind-the-scenes experts who test and rate search results to ensure they match what people are searching for. In this post, I’ll walk you
- [Asset Allocation by Age (+ Specific Recommendations)](https://www.iwillteachyoutoberich.com/asset-allocation-by-age/) - Allocating your assets according to your age is a strategic way to plan your investments portfolios, since your age is directly related to your investment time horizon and risk capacity. Why Does Asset Allocation Change Based on Age? Asset allocation is how you divide your investments among different asset types—stocks, bonds, cash, real estate, and
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- [Most Profitable Physical Products (+ strategy guide for creators)](https://www.iwillteachyoutoberich.com/physical-products/) - Physical products can be a game-changing addition to your creator business, opening up new revenue streams while strengthening customer relationships. But success hinges on choosing the right products and knowing how to sell them alongside your digital offerings. In this guide, we’ll explore the most profitable physical product categories for digital creators and show you
- [How to Plan A Perfect Vacation Trip: 7 Easy Steps (+ budget tips)](https://www.iwillteachyoutoberich.com/how-to-plan-a-vacation/) - Learn how to plan a vacation in 7 easy steps with expert advice from professional travel bloggers and entrepreneurs.
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- [27 Legitimate Jobs for Stay-at-Home Moms in 2025 (+ quick tips)](https://www.iwillteachyoutoberich.com/stay-at-home-mom-jobs/) - With 30% of mothers choosing to work from home, the number of flexible, work-from-home jobs has had to increase to meet this demand. In this post, I’ll list out some of the best work-from-home jobs for mothers and how you can find them. 1. Freelance Writer Freelance writing is a broad role that can be
- [Do I need an LLC for my online business? (4 ways to be 100% if you do—or don’t)](https://www.iwillteachyoutoberich.com/do-i-need-an-llc/) - The short answer: yes, we recommend it. The long answer: It depends.
- [How to Build a Bulletproof Budget (in 5 simple steps)](https://www.iwillteachyoutoberich.com/budget-help/) - Ramit gives you the very best budget help with an automated system. This is the alternative to typical budgeting. This is a system thatll last.
- [Jobs That Make a Lot of Money (17 high-paying careers in 2025)](https://www.iwillteachyoutoberich.com/jobs-that-make-a-lot-of-money/) - In this guide, I’ll walk you through 17 of the best high paying jobs, along with their requirements, potential drawbacks, and estimated salary bands. 1. Accountant One of the best jobs that makes a lot of money and is stable, is an accountant. An accountant performs financial calculations for individuals, small businesses, and large corporations.
- [Skills for Resume Writing That Get You Noticed](https://www.iwillteachyoutoberich.com/skills-to-put-on-a-resume/) - Adding the right skills to your resume helps employers see your value right away. Both hard skills (specific abilities you’ve learned) and soft skills (personal traits) matter in your resume when applying for jobs. Hard Skills vs. Soft Skills (and Why Both Matter) Hard skills are the teachable, measurable abilities: things like software proficiency, data
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- [The 3 Best Savings Accounts Worth Your Time](https://www.iwillteachyoutoberich.com/best-savings-account/) - My quick answer: Ally Bank, Marcus by Goldman Sachs, and American Express are the three best savings accounts. Pick any one of them after reading through the specifics and move on with your day—you’re making a smart choice any way you go. The Best Savings Accounts That Actually Deliver (Ranked) These accounts are designed for
- [Best Way to Invest 100k for Long-Term Growth and a Rich Life](https://www.iwillteachyoutoberich.com/best-way-to-invest-100k/) - The best way to invest $100,000 is through low-cost index funds in tax-advantaged accounts, after ensuring your financial foundation is solid. This approach maximizes compound interest while minimizing fees and complexity. First, Get Your Financial Foundation in Order A solid financial foundation makes the difference between your investments growing steadily or crumbling at the first
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- [30 Creative Ways to Make Money (that won’t break the bank to start)](https://www.iwillteachyoutoberich.com/creative-ways-to-make-money/) - Looking for unconventional ways to earn extra cash? Here are 30 creative money-making ideas that require minimal startup costs and can fit around your existing schedule. Start An Online Review Page If you live near a downtown area, college town, or suburban neighborhood, there’s an endless stream of places to review—from coffee shops to hidden
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- [Is Lifestyle Creep Killing Your Rich Life? How to Spot and Stop It](https://www.iwillteachyoutoberich.com/lifestyle-creep/) - Lifestyle creep happens when your spending automatically rises to match (or exceed) your income increases. That raise, bonus, or new job becomes an excuse to upgrade your life instead of your wealth. However, you can absolutely enjoy nice things without falling into the lifestyle creep trap. Lifestyle Creep: Are You Infected? Answer these questions honestly
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- [LeanFIRE Explained (Retire Early On Less Than $1 Million)](https://www.iwillteachyoutoberich.com/leanfire/) - LeanFIRE offers the most frugal path to early retirement, allowing you to quit the workforce with as little as $1 million invested to support annual spending of under $40,000. While this approach requires extreme savings and minimalist living, it rewards you with the ultimate prize: freedom from work decades before traditional retirement age. What Is
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- [ChubbyFIRE Explained (The Comfortable Path to Retirement)](https://www.iwillteachyoutoberich.com/chubbyfire/) - ChubbyFIRE offers a middle path to early retirement, with annual spending between $80,000 and $150,000 and investment targets of $2 million to $3.75 million. This balanced approach lets you enjoy moderate luxuries and quality experiences without requiring extreme frugality or the massive wealth needed for FatFIRE. What Is ChubbyFIRE And How Much Do You Need?
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- [When to Sell Stocks: The ONLY 5 Reasons To Sell (EVER)](https://www.iwillteachyoutoberich.com/when-do-you-sell-a-stock/) - Should I sell my stocks? It’s possibly one of the most common questions in the stock-trading world. When to sell stocks or hold them mostly depends on your AGE. If you’re closer to (or at) retirement age, you’ve likely been investing for a while and can sell your investments to live off of for your
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- [43 Best Travel Jobs 2025 (w/ Salaries & Pros + Cons)](https://www.iwillteachyoutoberich.com/travel-jobs/) - The prospect of exploring the world while still progressing your career has appealed for many years. However, thanks to the digital age and increased accessibility, travel jobs are more attractive than ever. Studies show that 55% of people want to travel more frequently. Travel jobs are the perfect way to facilitate this. However, anyone wanting
- [Make $100K+ in 1 Year Through Freelance Digital Marketing](https://www.iwillteachyoutoberich.com/freelance-marketing/) - Freelance marketing is a perfect way to earn extra money, flex your creative skills, and make valuable connections and networks. The best part: Companies are in constant need of great freelance marketers. Some fast facts: 9 in 10 companies leverage social media for marketing purposes Businesses’ reliance on SEO and content creation continues to rise each year
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- [12 Instagram Business Ideas To Earn Extra Money (An Entrepreneur’s Guide)](https://www.iwillteachyoutoberich.com/instagram-business-ideas/) - Instagram has evolved into a powerful tool for growing businesses and generating income. With over 700,000 followers on Instagram alone, I’ve seen firsthand how this platform can drive serious revenue. Whether you have 100 followers or 100,000, here are some business ideas to take control of your finances and earn extra money on Instagram, no
- [To Whom It May Concern: What You Should Write Instead (+Tips)](https://www.iwillteachyoutoberich.com/to-whom-it-may-concern/) - “To Whom It May Concern” has traditionally been used as a formal salutation in cover letters and other business correspondences. It’s been around for decades, so odds are that you’ve seen it in one form or another. These days it’s overused (and sometimes misused) by people all over the world. Salutations are your first impression
- [How To Connect w/ Busy People (& Actually Get HAPPY Replies)](https://www.iwillteachyoutoberich.com/how-to-connect-with-busy-people/) - Its no secret that connecting with the right person can skyrocket your success — a new job, a boost for your business, or experienced perspective that changes everything. But the right person often has a packed schedule and seemingly endless demands on their time. So how do you connect with these busy people? Despite how
- [How to Create a Profitable Online Store in 8 Easy Steps ](https://www.iwillteachyoutoberich.com/create-online-store/) - In this post, I’m going to walk you through 8 steps to set up a profitable online store. You don’t have to do all of these right away, but following these steps will take you from having the idea of your own store to putting your store out there in the market. Create an Online
- [How to build an email list: The secret to finding your first 1,000 subscribers](https://www.iwillteachyoutoberich.com/how-to-build-an-email-list/) - Learn our battle-proven email list–building strategy for getting your first thousand subscribers — including examples from real entrepreneurs who have done it.
- [What it actually means to make money while you sleep (Real talk about passive income)](https://www.iwillteachyoutoberich.com/make-money-while-you-sleep/) - We’ve all pictured it: Retiring to someplace sunny with beaches. Reclining poolside drinking fruity beverages with umbrellas sticking out of them. Money, streaming into our bank account from our massively successful online business — without us having to lift a finger to make it appear there. This, my friends, is the dream of passive income: of creating
- [Copywriter: Definition, Skills, and How to Get Started](https://www.iwillteachyoutoberich.com/copywriter-definition/) - A copywriter uses their words to get inside the reader’s head and get them to buy. Here’s a breakdown of what exactly they do and the skills needed to become one.
- [Money Market vs Savings Account (Which Is Best For You & Why)](https://www.iwillteachyoutoberich.com/money-market-vs-savings/) - Choosing between a money market account and a savings account depends on your financial goals and preferences. This guide compares the two, helping you decide which is best for your needs based on interest rates, accessibility, and account features. What are the Differences Between Money Market and Savings Accounts? There isn’t a good reason to
- [How to Start an LLC: The 7-Step Beginner's Guide](https://www.iwillteachyoutoberich.com/how-to-start-an-llc/) - Starting a new business is one of the best accomplishments in your life, but the time you spend worrying about personal liability or filing the right legal paperwork is time spent away from making your business great. That’s why learning how to start an LLC is a smart move. Not only do LLC’s shield your
- [How To Pay Off Student Loans (with a real-life success story)](https://www.iwillteachyoutoberich.com/how-to-pay-off-student-loans/) - Student loans are one of the biggest financial burdens, but don’t let the overwhelm take over—as long as you choose the right strategy and stick to it, you can pay it off as soon as possible. In this article, I cover everything you need to know about managing student loans: repayment strategies, forgiveness options, avoiding
- [How to Market Yourself (Without Being Sleazy)](https://www.iwillteachyoutoberich.com/how-to-market-yourself/) - We all know that one Golden Truth in business, you have to market yourself. There’s no way around it. But how do you market yourself a) effectively and b) without sounding sleazy as hell? It’s a pretty common problem. Marketing ourselves does not come naturally to most of us. It can feel fake and inauthentic even
- [Generational Wealth: How to Build It and Pass It On](https://www.iwillteachyoutoberich.com/what-is-generational-wealth/) - When most people think of generational wealth, they picture enormous fortunes or trust funds—millions stashed away for future heirs. But here’s the truth: you might already be laying the groundwork without realizing it. This guide will show you how to build, grow, and protect generational wealth so you can transform your family’s future. What Is
- [Stop sending email blasts! Do this instead.](https://www.iwillteachyoutoberich.com/stop-sending-email-blasts/) - Emails blasts — generic messages that go out to a broad audience — are okay if you need to announce that the toilet in the office bathroom is clogged. But they’re not okay if you want to build a list of highly engaged readers and customers. Who wants to read a random
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- [Less than half of financial advice is considered helpful by those who receive it [Survey]](https://www.iwillteachyoutoberich.com/toxic-financial-advice/) - If you’re serious about building wealth, ignore advice that tells you to skip lattes, avoid all debt, or save your way to financial freedom. Focus on growing your income, investing early and consistently, using debt strategically, and filtering out advice that doesn’t match your financial goals or reality. Why Bad Financial Advice Spreads Like Wildfire
- [What Not to Wear to an Interview (10 Outfit Blunders to Avoid)](https://www.iwillteachyoutoberich.com/interview-what-not-to-wear/) - Congratulations on landing the job interview! Now, you’ll need to avoid the common mistake many candidates make before they even say a word: choosing the wrong interview outfit. In this guide, I’ll highlight what not to wear, why your outfit could cost you the job, and how to dress appropriately and secure the role you’re
- [Types of Stocks: A Simple Guide to Smarter Investing](https://www.iwillteachyoutoberich.com/types-of-stocks/) - Not all stocks are built the same. Common stock offers ownership, voting rights, and long-term growth potential—ideal if you’re betting on a company’s rise. Whereas preferred stock prioritizes consistent dividends and downside protection, making it a go-to for income-focused investors. Common vs. Preferred: The Two Major Stock Categories Here’s how to differentiate between common stocks
- [The Rule of 72: How it Works for Your Investments](https://www.iwillteachyoutoberich.com/the-rule-of-72/) - The Rule of 72 is a simple yet powerful formula—a quick mental math shortcut that lets you estimate how long it will take to double your money at a given rate of return. It provides a quick snapshot of your financial growth, helping you make smarter decisions and move closer to your Rich Life. The
- [Robo-Advisors: Should You Use One? Pros & Cons (+ tips)](https://www.iwillteachyoutoberich.com/roboadvisors/) - Robo-advisors like Betterment and Wealthfront have exploded in popularity by offering automated investment management at lower fees than traditional financial advisors. These platforms promise a simple, hands-off approach to growing your wealth—but is trusting an algorithm with your money really a smart move? What the Heck Are Robo-Advisors Anyway? Robo-advisors are automated investment platforms that use sophisticated
- [70% of Americans say they don’t earn enough money](https://www.iwillteachyoutoberich.com/how-much-money-is-enough/) - For some, enough means covering the essentials without anxiety. For others, it means reaching a point where money no longer dictates their choices. The key is defining what enough looks like for you so you’re not endlessly chasing more without a real purpose. The Three Levels of Financial Freedom Your idea of enough isn’t static, either; it evolves over three levels
- [How To Save Money If You're Broke](https://www.iwillteachyoutoberich.com/save-money-broke/) - If you’re broke, track every dollar to see where your money’s really going, cut hidden costs like unused subscriptions, and start saving tiny amounts to build the habit. After that, focus on increasing your income—negotiate a raise, find a better job, or freelance on the side—and automate your savings so every small win sticks. The
- [How to Read Your Credit Card Statement (And What To Do Next)](https://www.iwillteachyoutoberich.com/how-to-read-your-credit-card-statement/) - Start by skimming your account summary, then double-check your transactions, look out for fees, and pay off your statement balance on time to stay ahead of interest and late charge. Let’s break down each section so you know exactly what to look for. Anatomy of a Credit Card Statement Let’s start with the basic parts
- [Ramit’s 2018 manifesto: Rewriting your story](https://www.iwillteachyoutoberich.com/ramits-2018-manifesto-rewriting-your-story/) - This is a story about how I couldn’t sleep and how the process of fixing that problem changed my life.
- [5 Ways to Make Extra Money (without quitting your day job)](https://www.iwillteachyoutoberich.com/ways-to-make-extra-money/) - Have you ever wondered how some people seem to effortlessly create extra streams of income, while others are stuck in the same old paycheck-to-paycheck cycle? I once met someone who transformed their financial life through a simple side gig. What began as a small project to cover unexpected bills soon grew into a substantial income
- [Episode 72. “Answering questions about recessions, marrying the right person, and firing a financial advisor”](https://www.iwillteachyoutoberich.com/72-money-coaching/) - This is a special solo episode where I answer questions from members of my Money Coaching program. In today’s episode: How to handle a recession, how I thought about marrying the right person, how to hire a financial advisor (one of my favorite stories), and how to apply some of my advice to your situation.
- [Episode 73. “I earn almost twice as much as my fiancé, but I make him split the rent” (Part One)](https://www.iwillteachyoutoberich.com/73-serena-nate-part-1/) -  Nate and Serena are in their late 20s. They are engaged and live together, but a vast difference in their incomes creates an awkward dynamic when it comes to paying for shared expenses. They think their hot-button issue is a $3,000 loan between them—it’s a lot deeper than that. Tools mentioned in this episode
- [Episode 74. “I’m $450k in debt but she still wants me to treat her to dinner” (Part Two)](https://www.iwillteachyoutoberich.com/74-serena-nate-part-2/) - We pick up part two of Serena and Nate’s conversation with an equity problem—a serious one, and one they didn’t realize they had. Serena earns considerably more for now, but Nate stands to triple her salary in a couple of years. His medical school debt, in the meantime, crushes him. He needs help but she
- [Episode 75. “We 4x’d our salary as COVID nurses. The experience haunts us. So does the money”](https://www.iwillteachyoutoberich.com/75-jenee-dan/) - Jenee and Dan are 31 and 34. They’ve been married for three years and they’re travel nurses, moving from city to city to alleviate workforce pressures. During the pandemic, they earned up to 4X their salaries, allowing them to pay off their debts—but at a huge emotional and mental cost. Tools mentioned in this episode
- [Episode 76. Who should pay on a date? Money, dating & dealbreakers with Matthew Hussey](https://www.iwillteachyoutoberich.com/76-matthew-hussey/) - World-renowned dating and relationship expert, Matthew Hussey, sits with Ramit for an honest and wide-ranging one-on-one conversation on love, money, and the many layers of raw emotion and hidden messaging shared between them. Tools mentioned in this episode Money Made Easy Mini Course Conscious Spending Plan Transcript Download the full transcript PDF Ramit Sethi: [00:00:02]
- [Episode 77. “We have $6.3 million. Why can’t we take a vacation?”](https://www.iwillteachyoutoberich.com/77-tommy-caroline/) - Tommy is 60 and he’s run his own business for more than 30 years. He loves his work and doesn’t plan to stop. Caroline, his wife, is 56 and is retiring from a stressful job in a few months. Together, they’ve amassed over $6M. She’s ready to spend it but Tommy can’t stop saving and
- [Episode 78. “I pretend things are fine, but we’re 2 months from going bankrupt”](https://www.iwillteachyoutoberich.com/78-courtney-alex/) - Alex and Courtney are in their 30s. They live in Southern California and come from completely different money backgrounds. Their numbers reveal a stark truth; fixed costs are sinking their finances. They’re only months from going bankrupt. Can Courtney come to terms with their reality? Tools mentioned in this episode Money Made Easy Mini Course
- [Episode 79. “We’re worth $700,000+ but my wife took away my credit card”](https://www.iwillteachyoutoberich.com/79-kirsten-jon/) - Kirsten and Jon are both 34, raising two young boys in Canada. Kirsten, an engineer, is all about problems and solutions, going as far as “parenting” Jon when he overspends. Jon avoids money talk like the plague, even giving up his use of the joint credit card to avoid further static at home. Tools mentioned
- [Episode 80. “If I add any more to our $50,000 credit card debt, he will ask for a divorce” (Part 1)](https://www.iwillteachyoutoberich.com/80-sarah-kevin/) - Sarah and Kevin are 38 and 42. They sold their home to pay off $130k in debt, only to dig themselves another $55k hole, six months later. Sarah is worried that if she doesn’t stop her credit card spending, Kevin will ask for a divorce. We need two episodes to untangle their complicated situation. Tools
- [Episode 81. “We’re broke—but $55,000 private school tuition is a non-negotiable” (Part 2)](https://www.iwillteachyoutoberich.com/81-sarah-kevin/) - In part two of our revealing conversation with Sarah and Kevin, we offer solutions for their serious debt accumulation problem and grapple with the hard truth about their biggest non-negotiable expense: $55k a year for their three daughters’ private school tuition. This episode is brought to you by: LMNT | Right now LMNT is
- [Episode 82. “I’m in $20,000 of debt and she pays for everything. What’s the problem?”](https://www.iwillteachyoutoberich.com/82-melody-david/) - Melody and David are 39 and 45. They manage a picturesque multi-unit property which creates a unique money dynamic. David works as the property manager and has his own side business, but doesn’t pay attention to whether or not he’s making money, leaving Melody with a heavy burden. This episode is brought to you
- [Episode 83. “I grew up on food stamps. At 24, I’m about to get paid $215,000 per year”](https://www.iwillteachyoutoberich.com/83-megan-nyles/) - Megan and Nyles are in their twenties and on a great trajectory with their money. She graduates from law school this year—sending her income from $0 to $215,000 overnight. But they’re both haunted by childhoods spent in poverty, leading to toxic scripts and trust issues. This episode is brought to you by: LMNT |
- [Episode 84. “We spend 98% of what we make—but we refuse to change our lifestyle”](https://www.iwillteachyoutoberich.com/84-thomas-kristine/) - Kristine is 32 and Thomas is 35. They’re raising three children in the Midwest. They love their jobs, are happy with their incomes, and just upgraded to a third, much larger, home. Everything is good–except that they’re going broke. With astronomical fixed costs, something’s got to give. This episode is brought to you by:
- [Episode 85. “I thought she was going to die, so we spent all our money. Now we’re broke”](https://www.iwillteachyoutoberich.com/85-asha-matt/) - Asha and Matt are in their mid 30s. They bring a totally unique situation to the show today. A few years ago, Asha needed a second open-heart surgery—and an emergency appendectomy. She was told she might have three years left, so they spent like it. The issue? She made a full recovery. This episode
- [Episode 86. “I make $450,000/year from YouTube. My husband is ashamed he can’t match my success”](https://www.iwillteachyoutoberich.com/86-darby-kirsty/) - Darby and Kirsty, 27 and 25, are professional YouTubers. While Kirsty’s art tutorial channel explodes in profitability, Darby’s efforts lag behind in viewership and earnings, creating a stark contrast in their money dynamic. He feels he doesn’t deserve comfort. She waits for her success to vanish. This episode is brought to you by: BetterHelp
- [Episode 87. “We’re in $400,000 of debt, but we can’t say no to our kids”](https://www.iwillteachyoutoberich.com/87-kenna-ryan/) - Kenna and Ryan are 36 and 45. Up until recently, Ryan worked and Kenna stayed home with their kids. Now, with that earning dynamic flipped, they’re facing new challenges with how they spend and save—especially when it comes to their children. This episode is brought to you by: LMNT | LMNT is offering my
- [Episode 88. “We own 7 properties. Why can't we pay for groceries?”](https://www.iwillteachyoutoberich.com/88-natalie-travis/) - Natalie and Travis are in their 40s, living in SoCal with their four kids. Travis is a career military man, imprinting him with some pretty understandable tendencies toward conservatism with money. He’s saved and invested heavily for decades, but it’s left him without the muscle memory to enjoy what he’s built. This episode is
- [Episode 89. “He won’t marry me until I pay off my $15,000 credit card debt”](https://www.iwillteachyoutoberich.com/89-dj-adam/) - DJ and Adam, 37 and 33, have been dating for 3 years but DJ’s debt stands in the way of their potential marriage, as dictated by Adam, who’s been divorced in the past due to money issues. DJ recently doubled her income – and she has all the tools – but she’s frozen, unaccountable,
- [Episode 90. How do I stop feeling guilty about money? Ramit answers your questions](https://www.iwillteachyoutoberich.com/90-money-coaching/) - This is a special solo episode where I answer questions from members of my Money Coaching program. In today’s episode: How to stop feeling guilty about spending, how to deal with peer pressure around your finances, and what to do if you worry about investing. This episode is brought to you by: Rocket Money
- [Episode 91. “I helped pay off his $30k+ credit card debt and he didn’t even care” (Part 1)](https://www.iwillteachyoutoberich.com/91-nicole-jorden/) - Nicole and Jorden are in their 30s and have been dating for four years. Nicole recently graduated from college, jumping into an orthodontics career starting at $400,000 a year. Jorden’s failed personal training business, and lack of resolve to improve his situation, have her questioning everything. This episode is brought to you by: Sakara
- [Episode 92. “I make $33,000/month. He makes $3,500. When is he going to step it up?” (Part 2)](https://www.iwillteachyoutoberich.com/92-nicole-jorden-2/) - Nicole and Jorden, 30 and 34, return for Part 2, where we unpack the deep emotional wounds caused by their lack of clear and honest communication about money. She earns 10X his income, but the hidden stories and assumptions at play are what threaten the future of their relationship. This episode is brought to
- [Episode 93. Where Are They Now? Netflix Reunion with Amani and Matt](https://www.iwillteachyoutoberich.com/93-amani-matt/) - In this special limited series, we’re following up with couples from my Netflix show, How To Get Rich. Tune in to hear what’s new, what isn’t, and where their money conversations have gone since our taping. Today, we check in with Amani and Matt, from their new dream home in San Diego. This episode is
- [Episode 94. “We paid off all our debt. Why do I still feel so guilty about money?”](https://www.iwillteachyoutoberich.com/94-kate-christine/) - Kate is 28 and Christine is 33. They’re married, living in the Detroit area with their nine-month old son. They’ve paid off credit card debt, sold their Ford at a profit, got out from a bad house purchase, and generally are doing extremely well for their ages. So why are they so anxious? This episode
- [Episode 95. Where Are They Now? Netflix Reunion with Nathalie](https://www.iwillteachyoutoberich.com/95-nathalie/) - In this special limited series, we’re following up with couples from my Netflix show, How To Get Rich. Tune in to hear what’s new, what isn’t, and where their money conversations have gone since our taping. Today, we check in with Nathalie to learn if she’s curbed her spending at all. This episode is brought
- [Episode 96. “We have $4,600 in credit card debt but we spend $600/month on GrubHub”](https://www.iwillteachyoutoberich.com/96-jennifer-andrew/) - Jennifer and Andrew are in their 30s with 2 kids. They have been married for 11 years, but they speak different languages when it comes to money, deeply stuck in scripts from contrasting family backgrounds. Can they learn to come together in joy for the sake of their family? This episode is brought to
- [Episode 97. Where Are They Now? Netflix Reunion with Frank](https://www.iwillteachyoutoberich.com/97-frank/) - In this special limited series, we’re following up with couples from my Netflix show, How To Get Rich. Tune in to hear what’s new, what isn’t, and where their money conversations have gone since our taping. Today, we check in with Frank to hear how he’s adapting to life as a full-time influencer. This episode
- [Episode 98. “We make $280,000. Why does he keep shooting down my dreams?”](https://www.iwillteachyoutoberich.com/98-sarah-charlie/) -  Sarah and Charlie are in their mid 30s living in Mexico City. They are foodies who love to travel, married for 5 years and earning in the top 1% for their location. Sarah has big dreams, but Charlie holds them both back – a dynamic we learn is seen, and heard, elsewhere in
- [Episode 99. Where Are They Now? Netflix Reunion with Drew](https://www.iwillteachyoutoberich.com/99-drew/) -  In this special limited series, we’re following up with couples from my Netflix show, How To Get Rich. Tune in to hear what’s new, what isn’t, and where their money conversations have gone since our taping. Today, we check in with Drew to see if he’s been more honest with his partner, Mikey.
- [Episode 100 Celebration: Top 5 Can’t-Miss Moments](https://www.iwillteachyoutoberich.com/100-episode-celebration/) - Celebrating 100 episodes of the I Will Teach You To Be Rich Podcast, we look and listen back to five of Ramit’s favorite, most shocking, episodes, covering: Disparate incomes, Credit card debt, Living beyond one’s means, Reverse gender roles, and High income problems. This episode is brought to you by: Trade | Right now,
- [Episode 101. Where Are They Now? Netflix Reunion with Millie and Christian](https://www.iwillteachyoutoberich.com/101-millie-christian/) - In this special limited series, we’re following up with couples from my Netflix show, How To Get Rich. Tune in to hear what’s new, what isn’t, and where their money conversations have gone since our taping. Today, we check in with Millie and Christian on the MLM, gambling stock, and more. This episode is
- [Episode 103. It’s time to cut off your son: Ramit’s 3 Lessons from Ep 102](https://www.iwillteachyoutoberich.com/103-janis-michael/) -  Today marks our first ever reaction episode, where Ramit breaks down each Tuesday’s conversation to give IWT listeners a deep dive on specific tactics, themes, and patterns. This week, we have the fascinating Janis and Michael. Make sure to stream episode 102 to catch up. This episode is brought to you by: Ness
- [Episode 104. “We’re worth $1.25M, so why is he afraid to get a $15 gym membership?”](https://www.iwillteachyoutoberich.com/104-stacey-jesse/) - Stacey is 37 and Jesse is 38. They’ve been together for 18 years, married for 11. They started with nothing, but now they make $238,000 a year. Their numbers are healthy, maybe even too good. So what’s the problem? Stacy’s designed their financial system with no room for Jesse to participate in it. This
- [Episode 105. What’s the point of tracking every penny?: Ramit’s 3 Lessons from Ep 104](https://www.iwillteachyoutoberich.com/105-stacey-jesse-2/) - Don’t miss Tuesday’s episode with Stacey and Jesse—where we uncovered severe imbalances in their relationship dynamic. Today, Ramit breaks down three main themes from that conversation, covering their complex budgeting system, covering for a partner’s passing, and spending on health and wellness. This episode is brought to you by: Calm | Go to https://calm.com/ramit for 40%
- [Episode 106. “I’m about to make $300k but we might have to live in our car”](https://www.iwillteachyoutoberich.com/106-jack-christina/) - Jack and Christina are 33, both born in Russia. With two young kids, they’re looking ahead to number three and to buying a home. But they have $0 saved and $87,500 in credit card debt that they can only pay minimums on right now. Christina’s income triples soon, can it solve everything? This episode
- [Episode 107. Guilt-free travel: How to plan, save, and spend on amazing vacations](https://www.iwillteachyoutoberich.com/107-solo/) - Jack and Christina were a perfect example of how not to travel—racking up credit card debt, booking late on a whim, and without emotional buy-in from one partner. In this deep dive episode, I go A to Z on how to plan, save, book, and enjoy vacation experiences the Rich Life way. This episode is
- [Episode 108. “We achieved FIRE with $4.3M. Why can’t we enjoy it?”](https://www.iwillteachyoutoberich.com/108-mindy-carl/) - Mindy and Carl are in their early 50s with two teenage children and a successful track record flipping real estate that’s helped them build a $4.3M fortune. But as devoted members of the Financial Independence community, they struggle to talk, think, and spend it in healthy ways. This episode is brought to you by:
- [Episode 109. Where Are They Now? Netflix Reunion with Donnell and Monique](https://www.iwillteachyoutoberich.com/109-donnell-monique/) - In this special limited series, we’re following up with couples from my Netflix show, How To Get Rich. Tune in to hear what’s new, what isn’t, and where their money conversations have gone since our taping. Today, we check in with Donnell and Monique on their debt, the storage unit, and more. This episode is
- [Episode 110. “My boyfriend doesn’t care about money. Will I ever feel secure?”](https://www.iwillteachyoutoberich.com/110-jake-hannah/) - Jake and Hannah bring a younger perspective to the podcast today. 26 and 31 respectively, they find themselves in different seasons of life—especially when it comes to money. Hannah is about to have her own practice as a therapist while Jake is a ski instructor. Can they connect? This episode is brought to you
- [Episode 111. “We rushed into buying a $730K house. Now I can’t sleep at night”](https://www.iwillteachyoutoberich.com/111-jonathan-shalom/) - Jonathan and Shalom are young, 31 and 27, married for 5 years and getting used to a big addition to their lives—a rushed home purchase in the Pacific Northwest that tints their relationship with conflict. Jonathan buries himself in the numbers. Shalom buries her head in the sand. This episode is brought to you
- [Episode 112. “I pretend I want to change. But I refuse to do anything different”](https://www.iwillteachyoutoberich.com/112-mike-kate/) - This conversation with Mike and Kate brings a completely new, and shocking, outcome to the podcast. They’re 29 and 32, with some massive life changes on the horizon. But they can’t save any money and lack the financial discipline to make real change for the sake of their family. This episode is brought to
- [Episode 113. “I feel like the parent in our marriage. And I hate it”](https://www.iwillteachyoutoberich.com/113-nicole-matt/) - Nicole and Matt, 41 and 37, have weathered deaths in the family, a battle with alcoholism, and career difficulties to finally be on the right track and earning more income as a couple. But, the past has left them with trust issues and a stark imbalance when it comes to money responsibilities. This episode
- [Episode 114. “Why did we spend $40K on trips we can't afford?”](https://www.iwillteachyoutoberich.com/114-emily-john/) - Emily and John are in their mid 30s, living in Boston with their 2 year old son. Both coming from blue collar backgrounds, they’ve successfully broken many negative generational patterns thanks to a $200k combined income—but they struggle to break harmful spending habits. This episode is brought to you by: LMNT | Right now,
- [Episode 115. “We’ve fought about money for 29 years. Is it time for divorce?”](https://www.iwillteachyoutoberich.com/115-kevin-ebony/) -  Kevin and Ebony are both 52. They have two kids, both young adults, and have turned their attention to retirement planning. But standing in the way are $135,000 of debt, a recurring issue, and 29 years of deeply ingrained negative communication patterns when it comes to money. This episode is brought to you
- [Episode 116. “She manages the money. I ignore it. What’s the problem?”](https://www.iwillteachyoutoberich.com/116-carrie-taylor/) - Carrie and Taylor are both 33, unmarried with no kids, earning good incomes in the Nashville area. Their CSP checks out—Carrie does a great job managing their money—but she’s no longer willing to do it alone. Taylor’s upbringing taught him to ignore it. Can he be convinced to change his ways? This episode is
- [Episode 117. “He earned $17k last month—but it's not enough” (Part 1)](https://www.iwillteachyoutoberich.com/117-drake-kara/) - Kara and Drake are 38 and 37 with two infant children. Kara used to earn as much as $20k in a month, but has pulled back on work since becoming a mother—leading to painful identity issues. Drake has picked up the slack, but gender roles loom large in their at-home dynamic. This episode is
- [Episode 118. “Before kids, I made $20k/month. Now he wants me to be a housewife” (Part 2)](https://www.iwillteachyoutoberich.com/118-drake-kara/) - In part two of my conversation with Kara and Drake, we continue to peel back the layers of gender roles and lost identity which came to the surface last week. A reversal in earnings power, on top of inconsistent incomes, complicates things further as we untangle this complex web of emotion and expectation. This episode
- [Episode 119. “He’s not ready for marriage. So why did we buy a house together?”](https://www.iwillteachyoutoberich.com/119-candace-brad/) - Candace and Brad are 31 and 33. They’ve been together for five years—buying a home together after just one year of dating. Candace is ready for a wedding, kids, and family life; she’s getting impatient. Make sure you stick around for the absolutely shocking ending to their story. This episode is brought to you by:
- [Episode 120. “We have 3 kids, $1k saved, $0 invested. Is it too late for us?”](https://www.iwillteachyoutoberich.com/120-ana-gabriel/) - Ana is 31 and Gabriel is 29. They have three young kids and will be celebrating their tenth wedding anniversary soon. This episode deals with addiction and recovery work, therapy, deep family influences, and imbalanced money dynamics. His money mindset is stuck in the past—but she needs his help. This episode is brought to
- [Episode 121. “He wasn’t supposed to have student loans. Now he has $157k”](https://www.iwillteachyoutoberich.com/121-alana-sam/) - Alana and Sam, 37 and 36, have two kids and $157,000 in student loans—loans which his mother assured would be paid. They haven’t been. Instead, the debt has tripled since he left school. Their home life has suffered as a result, as the family currently lives with Sam’s mom to save money. This episode is
- [Episode 122. “I shouldn’t have to ask for $20 to get McDonalds for the kids”](https://www.iwillteachyoutoberich.com/122-cacey-doni/) - Doni and Cacey are 30 and 40 years old with three very young kids. Doni’s struggled with credit card debt in the past, putting pressure on Cacey to control their finances—in addition to being the family’s sole earner. Don’t miss the shocking twist to their money story at the end of the episode. This episode
- [Episode 123. Ramit’s travel tips, real estate FOMO, and talking to kids about money](https://www.iwillteachyoutoberich.com/123-money-coaching/) - This is a special solo episode where I answer questions from members of my Money Coaching program. In today’s episode: My favorite services that I use when I travel, how to handle FOMO when you’re investing, and also how to handle traveling with other people. This episode is brought to you by: Facet | Get
- [Episode 124. “We make $113,500. Why do we feel poor?”](https://www.iwillteachyoutoberich.com/124-bebe-paul/) - Bebe and Paul are 37 and 40. They have two young kids and in the last few years, they have moved about ten times for various family reasons. They’re stuck in false narratives that are sinking their finances—unable to recognize the long term negative effects of their actions. This episode is brought to you by:
- [Episode 125. “He’s so afraid of money he can’t log into his own bank account” (Part 1)](https://www.iwillteachyoutoberich.com/125-cristina-ron-1/) - Meet Cristina and Ron. Cristina’s 30, Ron is 45, and they’ve been married for four years. Cristina wonders why she’s the one managing money in their relationship, especially when Ron is older and he should be thinking about his retirement. We discover shocking surprises in their spending. This episode is brought to you by: LMNT
- [Episode 126. “We have $30k of CC debt. Why did we buy a $10k timeshare?” (Part 2)](https://www.iwillteachyoutoberich.com/126-cristina-ron/) - It’s time to get tactical in this energetic follow-up episode with Cristina and Ron. Building on their story, we unpack their three most glaring money mistakes—a percentage-based financial advisor, whole and term life insurance, and a $10,000 timeshare vacation plan. This episode is brought to you by: Inside Tracker | Get 20% off by going
- [Episode 127. “Our financial advisor almost cost us $800k. How do we fire them?”](https://www.iwillteachyoutoberich.com/127-susan-jeff/) - Jeff is 50, he’s a specialized surgeon. Susan is 48, she stays at home with their two kids. Their discretionary spending has grown over the years, ballooning at an uncontrollable rate. But their biggest issue is that they’re being taken advantage of by a percentage-based financial advisor. This episode is brought to you by: Facet
- [Episode 128. “We have $285k in debt. Can we achieve financial freedom in 5 years?” (Part 1)](https://www.iwillteachyoutoberich.com/128-trin-lucas/) - Trin and Lucas are 35 with two kids. They’re bleeding money but they don’t know why, or how to fix it. Lucas is an extreme entrepreneur, leading to trust issues related to his shocking risk taking and lack of transparency. Matters are complicated further by a fixed-costs percentage of 150%+. This episode is brought to
- [Episode 129. “We spend 154% of what we make, but I refuse to get a salary job” (Part 2)](https://www.iwillteachyoutoberich.com/129-trin-lucas/) - Following up with Trin and Lucas, both 35, we chip away at an unmanageable fixed-costs percentage and broach Lucas’s unwillingness to seek salaried employment while navigating severe trust issues and a checkered past with respect to financial risk taking. This episode is brought to you by: Masterclass | For unlimited access to every class and
- [FatFIRE Explained (Building Your Multimillion-Dollar Retirement)](https://www.iwillteachyoutoberich.com/fatfire/) - FatFIRE is the luxury version of financial independence, requiring $2.5 to $10 million in investments to support annual spending of $ 100,000-$300,000+ in retirement. This approach provides ultimate retirement comfort but requires strategic high-income career paths, a high savings rate, and smart investment choices. What Is FatFIRE And How Much Do You Need? FatFIRE gives
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- [What is the Average Retirement Savings (with real life examples)](https://www.iwillteachyoutoberich.com/average-retirement-savings/) - Here’s a quick table to see how you’re faring: Age Average Retirement Savings Less than 35 $49,130 35- to 44-year-olds $141,520 45- to 54-year-olds $313,220 55- to 64-year-olds $537,560 65- to 74-year-olds $609,230 The average balance in retirement accounts by age, as of 2022 according to the Federal Reserve Thinking about retirement savings can be
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- [How to Be Your Own Boss (5 tips to escape the 9-to-5 grind)](https://www.iwillteachyoutoberich.com/how-to-be-your-own-boss/) - Becoming your own boss is a major shift from the traditional 9-to-5 grind, giving you control over your career and financial future. However, it’s important not to rush into quitting your job without a plan. In this article, I’ll share 5 valuable tips for becoming your own boss, complete with invaluable resources to guide you
- [How to Become A Freelancer in 6 Easy Steps (While Keeping Your Job)](https://www.iwillteachyoutoberich.com/how-to-become-a-freelancer/) - If you’re looking to make more money on your own terms, now’s the time. With hundreds of online businesses popping up daily, there’s no shortage of people looking to pay for different skills. This guide will show you how to launch a successful freelance business, set your rates, and ultimately build a lifestyle that works
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- [How To Create A Podcast In 10 Easy Steps](https://www.iwillteachyoutoberich.com/how-to-create-podcast/) - Starting a podcast can feel overwhelming, especially if you’re not familiar with the tech. On my podcast, “I Will Teach You to Be Rich,” I’ve learned the ins and outs of creating a show that people love. To help you start your own podcast, I’ve broken down the process into a few simple steps. 1.
- [How Banks Make Money](https://www.iwillteachyoutoberich.com/how-do-banks-make-money/) - Quick answer: banks lend you money and they charge interest on it. And fees, lots of it. For example, if you deposit $1,000, a bank pays you a small amount in interest to hold on to that money, then turns around and lends it out at a much higher percentage for a home loan. The
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- [Calculating Your Desired Salary (And Tips For Negotiating Success)](https://www.iwillteachyoutoberich.com/desired-salary/) - Your desired salary is often one of the most important and nerve-wracking parts of the job search process. This guide will help you confidently answer questions about your desired salary, calculate the right range, and communicate it effectively during job applications and negotiations. How to Communicate Your Desired Salary Being strategic about salary communication can
- [Sinking Funds Explained: A Beginner’s Guide to Getting Started](https://www.iwillteachyoutoberich.com/sinking-fund/) - Sinking funds first began as a tool for companies to manage bond payments but have now become a powerful way to save for big, expected expenses. They offer a simple and organized approach to financial planning. In this post, we’ll explore everything you need to know about sinking funds–from setting them up to managing them
- [Tips for First Time Home Buyers And How to Avoid Big Mistakes](https://www.iwillteachyoutoberich.com/tips-for-first-time-home-buyers/) - With a clear plan and an understanding of the costs and risks, first-time home buyers can make confident decisions without costly surprises. In this article, we’ll cover essential tips for first time home buyers, common mistakes to avoid, and strategies to navigate the home-buying process smoothly. Tips for First-Time Home Buyers Buying a home is
- [What to do if you ACTUALLY win the lottery (& how to not lose it all)](https://www.iwillteachyoutoberich.com/win-lottery-what-to-do/) - Today I’m going to teach you what to do if you ever win the lottery, a massive inheritance, or any other huge infusion of cash. 1/3rd of lottery winners go bankrupt and I’ll be damned if I’m going to let that happen to you. So just listen and do what I say, please. What to do
- [The Complete Guide to Selling Your Car](https://www.iwillteachyoutoberich.com/sell-a-car/) - Thinking about getting a new car? Figured out what to do with your old one yet? One option is to offer your car as a trade-in to a dealership. But you might make more by selling it yourself. In many cases, you can turn a profit on your old car through a few well-placed ads
- [3 personalization tweaks that boosted my sales by 70%](https://www.iwillteachyoutoberich.com/3-personalization-tweaks-that-boosted-my-sales-by-70-percent/) - Think about the last time you were asked what you did for a living. Maybe you were asked by a family member. Or a neighbor. Or someone you were sharing drinks with at an industry conference. Or (if you do a lot of international travel), an immigration officer. If you’re
- [Join the free “Launch Your Profitable Online Business” mini-course](https://www.iwillteachyoutoberich.com/launch-your-profitable-online-business-mini-course/) - Over the past few months, my team and I have been crafting a mini-course for you. It’s called “Launch Your Profitable Online Business,” and it shows you how to go from no idea to a profitable online business quickly. Even if you’re: Overwhelmed and busy Unsure of where to start Not a guru or expert
- [Why My Resume Got Me a Job Offer at Google (+Template)](https://www.iwillteachyoutoberich.com/google-resume-example/) - Looking for the last article you’ll need in order to learn how to write a resume? Well look no further. If you came across your dream job, would your resume be good enough to get you an interview? If you hesitated for a moment there, the answer is no. Sorry. Tough, but true. If you
- [The 40 best books for entrepreneurs](https://www.iwillteachyoutoberich.com/best-books-entrepreneurs/) - The funny thing about becoming an entrepreneur? You’re not just becoming an entrepreneur. You’re becoming a senior executive, a marketing director, a content writer, an accountant, a sales rep, a design director, a strategist, a customer support representative, and an amateur psychologist — all rolled into one. Is it any wonder that successful entrepreneurs are
- [How to Encourage Someone in 3 Easy Steps](https://www.iwillteachyoutoberich.com/how-to-encourage-someone/) - Knowing how to encourage someone is crucial for fostering lasting relationships and helping struggling loved ones. Heres a 3-step system to give genuine encouragement to anyone who wants it.
- [Find Your Niche in No Time](https://www.iwillteachyoutoberich.com/find-your-niche/) - When you’re itching to start a business and just don’t know where to start, it’s time to harness your inner Max and Caroline (a la Two Broke Girls). What we are saying is, find your niche. TL;DR: To find your niche, think of an idea that will make you money, and whittle it down to
- [Types of Bank Accounts: How To Set Them Up & What To Avoid](https://www.iwillteachyoutoberich.com/types-of-bank-accounts/) - In this article, we’re going to cover the types of bank accounts, which ones you should have, and what each one can do for you. The two primary types of bank accounts are checking and savings accounts. For most people, these are the two accounts they interact with the most in their daily lives. It’s
- [Career Seasons: Choosing a Role Based on the Lifestyle You Want](https://www.iwillteachyoutoberich.com/career-seasons/) - I’d like to introduce the concept of Career Seasons to you — which will help you find a job that’s perfect for you in this season of your life. At different points in our lives, we want different kinds of jobs: Growth: When we prioritize learning and earning more — and we’re willing to put
- [What is Financial Literacy?](https://www.iwillteachyoutoberich.com/financial-literacy/) - Most people think financial literacy means fixing spending habits like daily $4 lattes and investing the money in some little-known financial instrument your college roommate can’t shut up about on Facebook. It is so much more than that. Financial literacy is something that is new for a lot of people. It usually takes a
- [Getting Laid Off From Work: A Practical Guide to Next Steps](https://www.iwillteachyoutoberich.com/laid-off-from-work/) - “I got laid off from work. Now what?” Losing your job feels horrible, but since you’ve clicked on this post, we know that you’re ready to move on to something better. In this article, we’ll cover how you can navigate a layoff that takes care of your financial, mental and physical health – giving you
- [11 Proven Remote Business Ideas For Newbies](https://www.iwillteachyoutoberich.com/remote-business-ideas/) - Starting a remote business lets you work from anywhere while building something that can grow far beyond a traditional 9-5 job. In this post, we’ll explore eleven proven remote business ideas you can start from anywhere, with detailed insights on each opportunity’s growth potential. 1. Freelance Writing Freelance writing involves creating content for businesses and
- [What Makes a Good Podcast (+how mine got me on Netflix)](https://www.iwillteachyoutoberich.com/what-makes-good-podcast/) - These days, it seems like everyone wants to start a podcast. You put 100 people in a room and I guarantee at least 98 of them are selling their friends on recording their “amazing” conversations. Listen, rambling into a microphone is not a secret hack to riches. It takes a lot more work than people
- [How To Tell Your Boss You’re Quitting (+tips for easing anxiety)](https://www.iwillteachyoutoberich.com/tell-boss-youre-quitting/) - What to do before speaking with your boss 1. Why are you leaving? When it comes to thinking about what to say when asked why you’re leaving, striking the right balance is key. While it’s important to provide some explanation, it’s equally crucial to maintain a level of privacy. Remember, brevity is your friend in
- [How to Ask Your Manager for Feedback (& easily impress them)](https://www.iwillteachyoutoberich.com/ask-manager-for-feedback/) - Your manager is either your greatest friend, or your biggest obstacle. No matter where your manager stands on this spectrum, receiving feedback from them is a valuable resource for your professional growth. This is something you should be doing consistently at work if you want to get more promotions and raises. In this article, we’ll
- [How Often Should You Check Your Stocks? (NOT every day)](https://www.iwillteachyoutoberich.com/dont-check-your-stocks-every-day/) - If you’re wondering how often you should check your stocks, you’re probably checking them too much. It frustrates me to no end when I see new investors constantly checking their stocks like it’s their Twitter feed. It seems like even the slightest dip in the market causes them to freak out and start selling everything.
- [Should I Buy A New Or Used Car? Pros, Cons (& getting a great deal)](https://www.iwillteachyoutoberich.com/cost-vs-value-should-you-buy-a-new-car-or-used-car/) - Almost every personal finance pundit recommends you should buy a used car over a new car. I disagree. Here's my answer to, Should I buy a new car?
- [4 Best Rental Car Insurance Companies for stress-free traveling](https://www.iwillteachyoutoberich.com/best-rental-car-insurance/) - Rental car insurance is one of those things I hate spending money on. It’s so tempting to just opt out of the coverage offered at the rental counter and hope for the best. But if the worst happens, I know I’d really regret not buying the policy. Sometimes you need insurance, sometimes you don’t. I
- [10 Tips to Stop Living Paycheck to Paycheck: Get Your Life Back](https://www.iwillteachyoutoberich.com/how-to-stop-living-paycheck-to-paycheck/) - Stuck in a cycle where your paycheck evaporates the moment it hits your bank account? You’re not alone. Bills pile up, savings stay slim, and financial freedom seems like a pipe dream. But here’s the deal: living paycheck to paycheck is not your destiny! I’ve helped thousands of students break free from the paycheck to
- [Top 12 Online Jobs For Beginners (no experience needed)](https://www.iwillteachyoutoberich.com/online-jobs-for-beginners/) - Before the pandemic turned our working lives upside down, the privilege of working from home was a rare gem, enjoyed by barely a quarter of the global workforce. Fast forward to now, and the landscape of remote working has undergone a seismic shift. Gone are the days when “online typing” gigs or the all-too-familiar promise
- [How to become CEO of a company: a straightforward, no-BS guide](https://www.iwillteachyoutoberich.com/how-to-become-a-ceo/) - Becoming the CEO of a company is a dream for many people… but technically, it’s something you can cross off your bucket list in 5 minutes as long as you aren’t too picky about how big of a company you want to be the CEO of. There are two ways to become CEO: 1) Being
- [The Ultimate Guide To Email Copywriting](https://www.iwillteachyoutoberich.com/the-ultimate-guide-to-email-copywriting/) - By reading this Ultimate Guide you’re already taking the first steps on your journey to a Rich Life. This is only an introduction to the ideas and material you’ll find inside IWT. I started this site in 2004 while I was studying technology and psychology at Stanford. I’ve spent the time since testing and honing
- [How to Sell Stuff Online Fast: 7+ Ideas, Websites, & Apps (+ tips)](https://www.iwillteachyoutoberich.com/sell-stuff-online/) - Need to make a quick $1,000? This guide on how to sell your stuff online has you covered. A few months ago, I sold a rowing machine for $700 and used the money to help pay for a trip to Italy. Not only did I get the extra cash, I freed up space in my
- [Using a Roth Conversion Ladder to Retire Early](https://www.iwillteachyoutoberich.com/roth-conversion-ladder/) - Many of us have dreamed of the potential of early retirement or FIRE, but it can be overwhelming to figure out how you might sustain yourself as you move into this new phase of your life. Luckily, there are many options. Aside from saving the amount you need to retire, you can also leverage several
- [13 Ways to Make Money on Amazon (with & without selling)](https://www.iwillteachyoutoberich.com/make-money-on-amazon/) - In this guide, we’ll cover how you can make money on Amazon both with and without selling things. Feel free to jump to the sections that interest you the most! How To Sell Products and Services With Amazon 1. Sell Products With Amazon FBA One of the best ways to make money on Amazon
- [9 Proven Ways to Get New Customers & Increase Sales](https://www.iwillteachyoutoberich.com/how-to-get-customers/) - Having successfully built a multi-million dollar online business (this site you’re on right now), I’ve tried a LOT of different methods for getting new customers. 1. Ask for Referrals from Existing Clients Your current customers are your best resource for finding new ones. If they like your offer, they’ll likely tell others about it. Make
- [Inverted Yield Curve: what is it and how does it predict disaster?](https://www.iwillteachyoutoberich.com/inverted-yield-curve/) - The inverted yield curve is a graph that shows that younger treasury bond yields are yielding more interest than older ones. And it’s TERRIFYING for financial pundits all over the world. It’s a graph that could mean the difference between a thriving bull market or the downswing of a bear market. AND it’s been known to
- [Episode 1: “My husband doesn’t trust me to run our business”](https://www.iwillteachyoutoberich.com/001-alyssa-ilan/) - Alyssa and Ilan have been in a relationship since 2007 and, for the most part, they’re now happily married. When the coronavirus pandemic hit, they both lost their jobs, but were quick to jump into new ways of making a living. Alyssa tried her hand at babysitting, while Ilan took a nightmare job for
- [Episode 3: “My husband is going broke, but he won’t let me help”](https://www.iwillteachyoutoberich.com/003-chantha-calvin/) - Calvin feels he needs to be the “man of the house” and pay for everything. There’s just one problem: He can’t afford it. Every month he’s in the red, leading him to be anxious around money. He’s obsessed with analyzing the price of everything. At dinner, he looks straight at the right-hand side of
- [Episode 4: "My wife didn’t know I had $450,000 of debt until yesterday”](https://www.iwillteachyoutoberich.com/004-wendy-john/) - John has a lot of debt. Wendy knew about the $450k he owed when they started their relationship, over ten years ago, but she only found out what the current number is the day before their call with me – and the number has gone up! She wants to help him pay it off
- [Episode 5. “I paid off $50,000 of debt, but I still feel guilty buying toothpaste”](https://www.iwillteachyoutoberich.com/005-sheena-peter/) - Sheena’s paid off a huge chunk of her student debt. She has memories of her family’s bad credit card spending habits and works extremely hard to not commit the same crimes. She can drop the debt payoff dates in a second (FYI: most people do not know this figure), and she updates a spending
- [Episode 6: “We can’t afford to live in NYC, but my wife doesn’t want to leave the city”](https://www.iwillteachyoutoberich.com/006-jessica-nathaniel/) - Jessica grew up wealthy in New York City. She can’t imagine her life anywhere that’s not within walking distance to the coffee shop, the best schools, and her parents (who live two blocks away). Her husband, Nathaniel, is building his business and it’s been difficult getting it off the ground. For a while now,
- [Episode 8. “My wife is spending too much money”](https://www.iwillteachyoutoberich.com/008-natalia-andres/) - Natalia prioritizes experiences over finances. She doesn’t want to miss out on life, so if she wants to visit her family, she doesn’t wait to check their budget — she gets on a plane. Andres, on the other hand, worries about money. He remembers growing up without money and doesn’t want to go back
- [Episode 9: “I hid thousands of dollars of credit card debt from my husband”](https://www.iwillteachyoutoberich.com/009-jordan-dan/) - Jordan wasn’t raised to talk about money. She constantly saw her mom withhold money matters from her dad, and now, history is repeating itself. Jordan has hidden her debt from her husband, Dan, twice. He feels violated. This is not the kind of thing you do when you’re saving for a down payment on
- [Episode 10. “Money is overwhelming, so we find instant gratification elsewhere”](https://www.iwillteachyoutoberich.com/010-jennifer-jacques/) - Jacques and Jennifer are stuck in a money rut. They are trapped by their $40,000 debt. Jennifer feels overwhelmed with money talk, and Jaques doesn’t want to say no to his wife. When he comes home from work, they’re both tired, so they order takeout, overspend…and repeat the cycle. This isn’t a math problem.
- [Episode 11. “My wife wants to quit her job, but I’m worried about money”](https://www.iwillteachyoutoberich.com/011-nicole-john/) - Nicole and John have already won the money game. Combined, they bring in $650,000 a year. But it’s not an even split. Nicole currently earns $150,000 and would like to leave her stable job to create a startup. John feels this gamble has not been discussed at length. They keep talking about “having the conversation,”
- [Episode 12. "My husband won't talk about money with me"](https://www.iwillteachyoutoberich.com/012-laura-greg/) - Laura came to me frustrated about their bathroom. She wants to renovate it, but Greg isn’t interested. In fact, he doesn’t really want to talk about money at all. For Laura and Greg, life is “fine.” They’re running on cruise control, earning a good income, saving a little, and not investing in anything other than
- [Episode 13. “I’m dumb with money and he’s making me feel worse”](https://www.iwillteachyoutoberich.com/013-elizabeth-adam/) - A few years ago, Adam spent nine months aggressively paying off $75,000 in debt. He loved it. It gave him a purpose and he was happy to work seven days a week to pay it off quickly. His girlfriend, Elizabeth, has debt, but she isn’t excited by paying it off. Instead, she feels trapped, describing
- [Episode 14. “I hide my spending from my husband”](https://www.iwillteachyoutoberich.com/014-mary-chuck/) - Meet Chuck and Mary. With a household income of $450,000 a year, they’re wealthy, but they’re not living A Rich Life. Mary spends money–in secret — and feels judged when she makes “frivolous” designer bag purchases. Meanwhile, Chuck feels he can’t invest in a personal trainer. Their backstory is revealing. Mary grew up in a
- [Episode 20. “My wife is going to divorce me unless I can stop being so cheap”](https://www.iwillteachyoutoberich.com/020-michelle-charles/) - Charles and his wife, Michelle, are worth $10 million, and he earns over $2 million a year–but he’s cheap. So cheap, he still insists on sharing someone else’s Netflix password. Michelle has been pushed to the limit. Divorce is on the cards unless things change. She wants to start with landscaping the backyard, but I
- [Episode 29. “I never know when spending money on something will be an issue with him”](https://www.iwillteachyoutoberich.com/029-becca-brad-part1/) - Brad and Becca are in debt. Lots of it. Together they make $105,000 a year, but Brad makes impulsive flash purchases on credit cards. There is no saving, no long-term plan–only short bursts of gratification. This is not how you build a Rich Life. I want to get them out of this unsophisticated loop with
- [Episode 58. “If we want to retire, we’d have to live on $36k”](https://www.iwillteachyoutoberich.com/058-michelle-eric/) -  This week’s conversation brings a slightly different perspective to the table. Michelle and Eric are in their fifties and are terrified that they’ve waited too long to invest for retirement. They’ve bickered about money for twenty-five years, narrowing their window of opportunity and adding a ton of personal baggage into the equation. Usually, part
- [Episode 60. “My health is in question, but I don’t want to stop making money” (Part 1)](https://www.iwillteachyoutoberich.com/60-tom-julie/) - Today’s conversation will shock you—point blank. Tom and Julie are in their early fifties and have two school-aged kids. Both are savvy with their investments, and they’ve amassed a $12 million dollar net worth in the process. But Julie’s still working. She thinks of the income as an added layer of safety and security in
- [Episode 61. “I am going to die in 5 years. Should I quit my job?” (Part 2)](https://www.iwillteachyoutoberich.com/61-tom-julie/) - In part two of Tom and Julie’s conversation, they start to see their reality for what it is—Julie may not have long to live, but she’s still working and is afraid to spend their millions on making memories with their young kids. After a double lung transplant in 2020, she’s healthy—but odds are not in
- [Episode 2: We’re worth over $1 million, but we’re so cheap, our friends don’t want to see us anymore](https://www.iwillteachyoutoberich.com/002-ashley-greg/) -  Ashley and Greg have a household income of over $250,000 and a net worth of over one million dollars. They’re rich but they don’t seem to know it. They’ve developed a reputation for being cheapskates. Not only do their friends and family say that they’re cheap, but their friends have started avoiding them because
- [Episode 47. “We make $500k. Why are we carrying a balance on our credit cards?”](https://www.iwillteachyoutoberich.com/047-ashley-charles/) - Ashley and Charles are in their early forties and have been married for six years. Together, they have five children from previous relationships. They live in a high-cost-of-living area—but, collectively, they earn over half a million dollars per year. Because of Charles’s investments and stock options, their income feels erratic, and Ashley is having a
- [Episode 46. “The ghost of FIRE still haunts our money mindset—we can’t enjoy money”](https://www.iwillteachyoutoberich.com/046-gavin-carolyn/) - Carolyn and Gavin have been married for ten years. They have three small children and bring in about $130k annually—with a healthy $500k in investments. So what’s the problem? Once we look closer, specifically at their obsession with money mechanics, we see a deeper issue. They learned these bad habits as members of the FIRE
- [Episode 45. “She tells me that it’s my fault we can’t live the life we want to live”](https://www.iwillteachyoutoberich.com/045-sarrah-andrew/) - Sarah earns more than Andrew. They’re unmarried but imagine a future together, or would like to. The problem is that Andrew’s existing money scripts (and $65k in debt) have him frozen—unable to spend but also unwilling to seriously plan a way out. She wants to spend money on things like vacations, but he doesn’t feel
- [Episode 44. “Trust in the universe, and it (or my partner) will provide”](https://www.iwillteachyoutoberich.com/044-charlotte-alex/) - Today’s couple is actually on the same page when it comes to their Rich Life, but they’re not making much progress toward it. Alex brings in $70k from a full time job. Charlotte runs their joint business that isn’t making much money yet, but should be soon. They both know what they want, they just
- [Episode 43. “Our $300k income is variable and declining, but we aren’t adjusting our lifestyle”](https://www.iwillteachyoutoberich.com/043-kasey-vince/) - How do you manage your finances when your monthly pay is inconsistent? Vince makes around $300k a year in the mortgage industry, while Kasey focuses on raising their kids at home. Despite that rather high average income, the actual monthly takeaway is incredibly variable—one month could be $25k, the next month just $2k. That uncertainty
- [Episode 42. “We’re worth $5.7 million but we’re arguing over the price of chocolates for Valentine’s day”](https://www.iwillteachyoutoberich.com/042-nicole-michael/) - Nicole and Michael have a combined net worth of over $5.7 million—yet they find themselves arguing over the price of a minor car repair. Nicole has crippling anxiety when it comes to spending any amount of money, no matter how insignificant it may be in the long term. While her fears may have once been
- [Episode 41. “My wife won’t admit her business is failing, and we constantly argue about it”](https://www.iwillteachyoutoberich.com/041-olivia-rob/) - It’s common knowledge that building a business takes time—but how long should you be willing to wait? Rob works a full-time job. Olivia is split between part-time work and her own business. Rob doesn’t think her business is making enough money and has been urging Olivia to call it a loss and get a “real
- [Episode 40. “We’re worth $5 million, but my wife nearly canceled our trip to save $200”](https://www.iwillteachyoutoberich.com/040-rachel-jack/) - By now, you know: living a Rich Life is more about mindset than money. Look at today’s couple, Jack and Rachel. Following the principles described in I Will Teach You to Be Rich, they’ve managed to turn a $150k income into over $5 million in savings! Despite that, Rachel finds it difficult to actually spend the
- [Episode 39. “She waited until we were engaged to reveal $100k of student loan debt”](https://www.iwillteachyoutoberich.com/039-nicole-alex/) - Alex and Nicole are getting married this summer and plan to start a family in a few years. That much, they know. How they’ll get there is another question. Nicole doesn’t want to deal with finances—she prefers to ignore it. Alex, on the other hand, is in the position of having to handle finances on
- [Episode 37. “My love language is spending money I don’t have”](https://www.iwillteachyoutoberich.com/037-jessica-javier/) - Money can be a way of showing love, but what happens when you’re spending money you don’t have? Does spending any less mean you love the people in your life any less? It seems simple, sometimes it’s not. Meet Jessica and Javier. She’s tried to help him with his financial literacy, but Javier only knows
- [Episode 36. “We make $145k per year but have $828k in debt — and feel totally paralyzed”](https://www.iwillteachyoutoberich.com/036-sarah-nat/) - Sarah and Nat are physical therapists that are making things too hard for themselves. The enormous cost of education coupled with relatively low pay has left them burdened with debt that colors every decision they make—including whether or not to have more children. They’ve spent ten years worrying about it but are still without a
- [Episode 24. “I’ve saved $0 for my upcoming unpaid maternity leave”](https://www.iwillteachyoutoberich.com/024-hanniah-alex/) - On paper, saving for maternity leave shouldn’t be an issue for Hannia and Alex. She earns $100,000 a year, but she likes to spend her money as soon as payday arrives. She plays many subconscious tricks (I call it the “Innocent Doe” technique) to justify a $300 drop at Target and her Old Navy credit
- [Episode 23. “I live in constant fear that our $425k income isn’t enough”](https://www.iwillteachyoutoberich.com/023-lauren-alex/) - Lauren and Alex bring in $425,000 a year, and they’ve just invested in a $1.3 million dollar home. Alex feels like they’re flying high, but Lauren’s lost her sense of security. She wants to save for a beach house in Carmel, not invest in double-glazing windows. Their savings plan has gone awry, and all she
- [Episode 22. “I’m quitting my job, but I’m worried my husband doesn't support me”](https://www.iwillteachyoutoberich.com/022-alexandra-brandon/) - Alexandra and Brandon have a household income of $135,000. Alex just handed in her one week’s notice, but she still has financial needs, and she’s scared to broach the subject of spending money on herself with her husband. As we talk, it becomes apparent that self-agency has been absent from other aspects of their lives.
- [Episode 21. Part 2: “I want to trust my wife with our money, but what if she blows everything?”](https://www.iwillteachyoutoberich.com/021-michelle-charles/) - This is part two with Charles and Michelle. He has a net worth of well over $10 million but still uses someone else’s Netflix password. After 21 years, Michelle has reached her limit with his relentless cheapness. Charles is trying to rewrite his internal money story, but after years of playing the “I’m not the kind
- [Keystone Habits: What It Is + Why You Need To Have Them Now](https://www.iwillteachyoutoberich.com/keystone-habits/) - Imagine a dozen dominoes lined up in a row. Push the first domino and what happens? They all fall down. Now take that same dozen and double it. No, triple it. No, wait — add 15,000 dominoes, branching off into a bunch of crazy shapes and designs. Now, push the first domino and what happens?
- [Episode 19. “My husband has been promising that we’ll buy a house in a few months… for five years”](https://www.iwillteachyoutoberich.com/019-serena-brian/) - Brian is a struggling tech entrepreneur and relies on his wife, Serena, a physician with a stable income of $235,000, to support his family. Serena wants Brian to get a job and admit that his start-up isn’t working. She’s extremely focused — perhaps too focused — on buying a house. Brian doesn’t like saying “No”
- [Episode 18. "He's the man & he should pay. We can't go on like this any more"](https://www.iwillteachyoutoberich.com/018-monique-pablo-part2/) - Monique expects Pablo to pay for her “as the man” in the relationship. Pablo wants “fairness” in a partner. Last week, I dug into their money psychology. Right at the end of last week’s conversation — when both were feeling good — they started discussing an upcoming trip to Mexico City. Suddenly, everything fell apart.
- [Episode 17. “I think he should pay for everything because he’s the man”](https://www.iwillteachyoutoberich.com/017-monique-pablo-part1/) - Monique is very open with what she wants in a relationship. “I always expected that fairytale love, the guy pays for everything, the guy opens the door, the guy waits to kiss me at the end of the night…” But her boyfriend, Pablo, disagrees. He feels taken advantage of. He shares the story of Monique
- [Episode 15. “I have a $1 million trust fund and I’m scared to spend money on food”](https://www.iwillteachyoutoberich.com/015-kate-andy/) - Andy and Kate bring in $200,000 a year and live rent free. Andy feels bad about money every day. His partner, Kate, says she wants to work as a financial team, but she walks on eggshells. Andy wants to make her happy, but he has a poor relationship with money. And that’s not all. Andy
- [Hourly to annual salary calculator (find your yearly vs. per hour income)](https://www.iwillteachyoutoberich.com/2-cool-tricks-to-use-your-hourly-rate-and-the-rule-of-72/) - For those looking for an hourly to annual salary calculator, we’re going to show you how to convert hourly to annual salary. But before we get there, let’s talk about why you’d want to do that in the first place. I think everyone can agree: Getting paid for your hard work is AWESOME. But it
- [How to structure a coaching contract clients can't wait to sign (example + free templates)](https://www.iwillteachyoutoberich.com/9-specifics-to-make-sure-you-include-in-your-coaching-contract-with-templates/) - Raise your hand if you run a coaching business and any of these sound familiar: A client ghosts on you for six months and then comes back wanting a refund. “Something” keeps coming up, and a student keeps rescheduling on you until looking at your calendar feels like playing whack-a-mole. A student goes broke applying
- [From $4.95 to 7 figures: The real math of how do websites make money (and how you can, too)](https://www.iwillteachyoutoberich.com/how-websites-actually-make-money-and-how-you-can-too/) - The first product I sold from my site was a $4.95 ebook called Ramit’s 2007 Guide to Kicking Ass. It’s pretty embarrassing to look at now, but from those modest beginnings I’ve grown IWT into a multi-million dollar business. It’s not magic. It’s math. Now, I’m going to pull back the curtain on how websites make money, using
- [How To Communicate More Effectively (+ word-for-word scripts included)](https://www.iwillteachyoutoberich.com/how-to-communicate-more-effectively/) - Have you ever had a conversation with a friend or stranger and ended up offending them with your honesty? It sucks, right? Too often I have people asking me how to handle situations like these: Should they pander to the other person’s opinion? Should they stop being honest all together? If you want to communicate
- [Financial Infidelity: Signs, causes & solutions (+ REAL stories from couples)](https://www.iwillteachyoutoberich.com/financial-infidelity/) - Financial infidelity is the act of hiding financial information, engaging in secret financial transactions, or lying about money-related matters within a relationship. In this post, we’ll cover everything you need to know and explore some real stories from real couples. What Financial Infidelity Looks Like Here are some common forms financial infidelity can take: Secret
- [Financial Infidelity & Divorce (how to prepare for, or avoid it)](https://www.iwillteachyoutoberich.com/financial-infidelity-divorce/) - Yes, financial infidelity is grounds for divorce (in the at-fault states where that matters). In this post, we’ll cover everything you need to know and even take an in-depth look at a real couple dealing with the aftershocks of financial infidelity. Just a heads-up: this post isn’t legal advice, so be sure to talk to
- [What Is the Average Retirement Age? (real life story inside)](https://www.iwillteachyoutoberich.com/what-is-average-retirement-age/) - According to Gallup research, 62 is the average retirement age for Americans; however, there is no one right retirement age. In this post, I’ll share a real life story of a couple planning their retirement and walk you through some practical steps to take you through planning your own retirement. Real life story of a
- [How To Help Your Parents Get Out Of Debt (with real life stories)](https://www.iwillteachyoutoberich.com/help-parents-in-debt/) - Dealing with your parents’ debt can be very challenging. Whether it’s due to unexpected medical expenses or years of not saving enough, it’s natural to want to help. But this situation requires a careful approach to avoid emotional and financial pitfalls. In this post, I’ll show you how to help your parents get out of
- [Financial Infidelity Examples (8 real life stories from my podcast)](https://www.iwillteachyoutoberich.com/financial-infidelity-examples/) - Financial infidelity—when one partner hides financial information, engages in secret transactions, or lies about money—can be as devastating as any other form of betrayal. In this post, I’ll share real-life examples from my podcast where couples have faced the harsh realities of financial infidelity. Through their stories, you’ll learn the signs to watch for and
- [Can You Sue Your Spouse for Financial Infidelity?](https://www.iwillteachyoutoberich.com/can-you-sue-your-spouse-for-financial-infidelity/) - Quick answer: Most often, no, But you can make a legal case for yourself if you are choosing to divorce your spouse for financial infidelity. Financial infidelity is grounds for divorce in “at fault” states and also in a no-fault divorce. In this post I’ll walk you through the different grounds on how you can
- [14 Signs of Financial Infidelity (and what to do if you suspect your partner is guilty)](https://www.iwillteachyoutoberich.com/signs-of-financial-infidelity/) - Financial infidelity is terrible. Luckily there are some telltale signs which you can pinpoint so that you can confirm your suspicions early on. Identifying these signs isn’t a guarantee that your partner is betraying you financially (some of these signs could be due to innocent reasons) but it’s important to know these to protect yourself
- [Is Financial Infidelity Abuse? (signs, how to protect yourself and recovery advice)](https://www.iwillteachyoutoberich.com/is-financial-infidelity-abuse/) - Quick answer: Yes, it is a form of financial abuse. In this post, I’ll map out the signs of abusive financial infidelity, the psychological effects of having a financially abusive partner, and what you can do if you find yourself at the receiving end of financial infidelity. Signs of Abusive Financial Infidelity Financial infidelity isn’t
- [How to Deal with Financial Infidelity: Next Steps and Solutions](https://www.iwillteachyoutoberich.com/how-to-deal-with-financial-infidelity/) - Discovering financial infidelity can be devastating. In this post, I’ll walk you through some immediate steps to take, along with longer term actions you can consider for your own safety and wellbeing. Immediate Steps to Take When you first discover financial infidelity, it’s easy to react emotionally. Before you blow up, take a moment to
- [How To Make Money Fast: 22 Quick and Proven Ways To Earn](https://www.iwillteachyoutoberich.com/how-to-make-money-fast/) - I’ve taught thousands of students how to make money fast (all with different talents & levels of experience) and I can show you how to do the same.
- [How to Sell Art On Etsy: Case Study of a 22-Year Old Who Made $28,139](https://www.iwillteachyoutoberich.com/case-study-how-a-22-year-old-made-28139-on-etsy/) - So you want to know how to sell art on Etsy… I have something special for you today. One of my students meticulously tracks his data for selling artwork via his Etsy shop – and agreed to show you some of those numbers to demonstrate how powerful this material can be. We all know how secretive most
- [8 Essential Strategies for Mastering Your Family Finances](https://www.iwillteachyoutoberich.com/family-finances/) - Managing family finances can feel overwhelming, especially when juggling bills, savings, and long-term goals. But what if you could turn that stress into confidence by mastering a few key strategies? In this post, I’ll walk you through 7 essential strategies to help you take control of your family’s financial future like saving for a big
- [How to Navigate Blended Family Finances: A Rich Life Guide](https://www.iwillteachyoutoberich.com/blended-family-finances/) - Have a blended family? With varying money management styles, individual obligations like child support or alimony, and the desire to treat all children equitably, creating a cohesive financial plan can feel daunting. In this post I’ll break down several strategies (covering setting financial priorities all the way to investing for the future) you can use
- [How to Manage Your Money (10 simple steps to gain control of your finances)](https://www.iwillteachyoutoberich.com/how-to-manage-your-money/) - Managing your money doesn’t have to be rocket science, but it is a prerequisite for building your rich life. In this post, I’ll walk you through how to manage your money in 10 simple steps. Don’t worry about being perfect right now, even if you just start with Step 1 today, you’ll be in a
- [8 Unique Business Ideas Worth Millions (they’re still around today)](https://www.iwillteachyoutoberich.com/unique-business-ideas/) - Looking for inspiration that could spark your million-dollar business idea? In this post, we’re diving into eight unique business ideas that grew into multi-million dollar enterprises that are still around today! Some of these successful businesses started with concepts you’d least expect to succeed, meaning regular people like us can identify other future million-dollar opportunities
- [Episode 35. “If we can’t stop fighting about money, we’re going to break up”](https://www.iwillteachyoutoberich.com/035-ashley-josh/) - Ashley and Josh have come to a stark conclusion: That if they can’t manage to find some common ground in their financial struggles, their relationship has no future. They both earn roughly the same amount of money. Besides this huge roadblock, they see a path to marriage and children. But they can’t come to an
- [Episode 33. “We’re in debt, but I don’t want to make her go back to the corporate world”](https://www.iwillteachyoutoberich.com/033-arly-martin/) - Martin and Arly feel suffocated by mounting interest on their debt and are jaded by the corporate world. Martin earns $125,000, but Arly is selling essential oils in a network marketing business (read: SCAM!). With $300 coming in every month, this venture is going nowhere very quickly. The solution seems painstakingly obvious, but their internal
- [Episode 32. “We just got married, but I’m scared to combine our income and debts”](https://www.iwillteachyoutoberich.com/032-lindsey-john/) - Today is part two with John + Lindsey, and progress on finding a solution that sticks for the couple is slow. Listen to how John gets riled up with rage and resentment when I ask him simple questions. I don’t think he gets it. We need a dramatic solution to pull him through this mess.
- [Episode 31. “Shopping at Target is like visiting a casino to me”](https://www.iwillteachyoutoberich.com/031-lindsey-john/) - Lindsey and John are stuck. Despite earning a joint income of $150,000, John’s debt is crippling their relationship and financial future. They respond by self-soothing. John runs on auto-pilot avoidance strategies and refuses to get honest about his situation. Lindsey distracts herself with mindless spending sprees at Target. But neither are working together on a
- [Episode 28. “What if we divorce and I end up homeless like my mom?”](https://www.iwillteachyoutoberich.com/028-katie-shawn/) - Most people think if they earned 25-50% more, all their money problems would disappear. Katie and Shawn are a living example that that’s not true. They earn almost half a million dollars per year, so there is no reason they should be arguing over a $600 Roomba. Their world is not in sync with their
- [Episode 27. “I don’t care about what he wants, I just want to win the argument”](https://www.iwillteachyoutoberich.com/027-tami-mike/) - It all started with a splurge at Target. Tami spent $250 and tried to hide it from her husband, Mike. He likes to make digs and police her spending habits. She likes to make jokes about his bad purchases. They’re sparring over gas station snacks and unused kayaks, and each “win” gives them the satisfaction
- [Episode 26. “How do we create our Rich Life when we don’t trust and respect each other?”](https://www.iwillteachyoutoberich.com/026-mira-dan/) - My conversation with Mira and Dan was supposed to be about tax returns. He hasn’t filed his yet, and it’s making Mira feel insecure, anxious, and unsafe. Dan wants her to relax and trust him for once! I knew something else was amiss here, but I was shocked to see how fast the conversation took
- [Episode 25. “I want to pay for convenience, but my husband thinks it’s lazy”](https://www.iwillteachyoutoberich.com/025-gemma-jack/) - Meet Gemma and Jack. Jack believes that people who delegate certain tasks, like cleaning and laundry, are lazy. It’s one of his many strong opinions that’s causing a wedge in their relationship. Recently, he refused to hire movers because it was a “waste of money.” As frustrating as they are, listen to the layers behind
- [Episode 67. “We spend $3,000/month on groceries for our 5 kids, and it’s ruining us”](https://www.iwillteachyoutoberich.com/67-jim-kasey/) - Jim and Kasey are 45 and 41 with 5 young kids. They’ve been married for 18 years. But they admit that they don’t even know how they’ve made it this long with the serious communication problems in their relationship—specifically as they relate to money. Kasey goes about her life avoiding money, mostly unaware that they’re
- [Episode 66. “I’m marrying him in 1 month—but our finances are terrifying me”](https://www.iwillteachyoutoberich.com/66-beth-john/) - Beth and John are worth about $800k combined. They came to me a month before their wedding—in fact, by the time this goes live, they’re husband and wife (hopefully). The trouble is that they’ve never really talked about money, that she’s afraid of being a deadbeat partner… and they both want a prenup. Now, it’s
- [Episode 65. “I make $200k/month. He makes $2k. Who pays for dates?” (Part 2)](https://www.iwillteachyoutoberich.com/65-part-2/) - Connie and Wes have severe gender expectations. Connie desperately wants Wes to be the “man” in the relationship and pay for dinner. But when he tries, she scolds him to save for the future instead. This toxic dynamic is made worse by what we last heard in part 1… Connie’s net worth is—get this—over $6
- [Episode 64. “My boyfriend is perfect… except he’s broke” (Part 1)](https://www.iwillteachyoutoberich.com/64-part-1/) - Connie and Wes have been dating for a year—but they have some very serious issues with how they see money, both individually and as a couple. The story to keep in mind: Connie’s mom earned considerably more money than her dad, but he always paid for family meals. Fairytales like this complicate how we deal
- [Episode 63. “How to stop feeling guilty about money—no matter your income”](https://www.iwillteachyoutoberich.com/63-stop-feeling-guilty/) - After talking to 60+ couples, Ramit reveals the #1 money issue that people deal with: feeling guilty. From what you heard as a child about money… to not being able to enjoy a vacation as an adult, Ramit breaks down the concept. Listen in as Ramit goes through his tactical approach to end money guilt
- [Episode 62. “Why are we waiting for payday if we make $140k?”](https://www.iwillteachyoutoberich.com/62-andre-amy/) - Amy and Andre are 42 and 34 respectively. They make $140k a year, but they admit they’re often waiting for payday. They’re buried in debt and can’t seem to make any progress, which is bringing serious anxiety and stress into their lives. Their biggest issue? Their fixed costs sit at 92% of their total income.
- [Episode 59. “98% of our net worth is in real estate. Are we in trouble?”](https://www.iwillteachyoutoberich.com/059-georgia-james/) - Georgia and James bring a different problem to the table than we’re used to hearing about. In this one, we zoom in on where, exactly, their net worth has come from… and the real risks of these decisions. Having done well in the real estate market, Georgia and James just closed on a fourth property.
- [Episode 57. “I feel ashamed about having another child because we’re still renting”](https://www.iwillteachyoutoberich.com/057-rebecca-joe/) - Rebecca and Joe have two young kids, and a third is on the way. They are renting at the moment and love the neighborhood they live in—but they both think they need more space to match their growing family. Should they keep renting? Buy a home? Move in with his parents? Their lease is up
- [Pros And Cons Of Debt Consolidation](https://www.iwillteachyoutoberich.com/pros-and-cons-of-debt-consolidation/) - Debt can feel overwhelming, especially when juggling multiple payments, high interest rates, and due dates scattered across the month. Debt consolidation offers a way to simplify your finances by combining debts into one structured payment—but it’s not a magic fix. In this guide, we’ll break down the pros and cons so you can decide if
- [Episode 56. “We have $200,000, but we’re afraid to take a vacation”](https://www.iwillteachyoutoberich.com/056-dan-michelle/) - Michelle and Dan are in their early thirties, and from the outside, they look like they’re in a great place financially. They make $225,000 annually, and they’ve saved $200,000 already. So, why do they feel so much dread, confusion, and fear about their money? Their philosophy has always been to save as much as possible…
- [Episode 55. “My top 5 lessons from one year of interviewing couples about money”](https://www.iwillteachyoutoberich.com/055-one-year-anniversary/) - Personal finance can seem complicated, but most issues are linked back to two core influences—how people think and feel about money. Where they land on those scales has a wide range of possible manifestations (skimping on frozen berries, anyone?). One year into the podcast, and a handful of these themes have become very clear. Tune
- [Savings Accounts With Buckets](https://www.iwillteachyoutoberich.com/savings-accounts-with-buckets/) - The right savings account can help you reach multiple goals at once, and savings accounts with buckets make it easy to track your progress by dividing your money into separate categories. Not all accounts offer this feature, so in this post, we’ve rounded up six top options that include buckets and great perks like no
- [Episode 54. “We grew up poor—but we could be millionaires” (Part 2)](https://www.iwillteachyoutoberich.com/054-austin-annie-2/) - Last week, in part one of my conversation with Austin and Annie, we got deeply personal about their upbringings and the invisible scripts they picked up as kids. I learned that they were passing bad money habits to their young daughter—continuing a cycle of generational poverty. Today, my goal is to move them out of
- [Episode 53. “We want to break the cycle of generational poverty, but we don’t know how” (Part 1)](https://www.iwillteachyoutoberich.com/053-annie-austin-1/) - Annie and Austin were both raised without knowing where their next meal would come from. They came to me looking for a way to break the relentless chain of generational poverty that they’ve experienced… and that they fear they’re passing on to their two young children. The good news is that it’s not too late
- [Episode 52. “He hides purchases from me–and I let him”](https://www.iwillteachyoutoberich.com/052-jeff-lisa/) - Lisa and Jeff are in their forties and have a blended household. They had about a $300k net worth before they were awarded a $1.275M settlement in January of this year. What’s important isn’t the details of the settlement, but that they don’t know what to do with it. She doesn’t trust him—and for good
- [Episode 51. “We went bankrupt, but I still have no boundaries with money”](https://www.iwillteachyoutoberich.com/051-katie-cal/) - Katie and Cal are in their mid-twenties and, after moving around a bit, they live back home in Alaska with their young children. They bring in about $100k a year and have a good chunk of debt, about $25k of that they transferred to Katie’s mom for a better interest rate—a move which has hopelessly
- [Episode 50. “Maybe buying this condo was a mistake” (Part 2)](https://www.iwillteachyoutoberich.com/50-eric-elena-part-2/) - In part 2 of Elena and Eric’s story, we learn about the deep emotional ties that Elena associates with the condo that’s draining their savings account—and why she’s so anxious about outside opinions in the event they decide to sell it. To recap, they’re 25 and make $160k/year combined. They love to go to music
- [Episode 49. “Our housing expense unexpectedly went up $2K when we bought our first home” (Part 1)](https://www.iwillteachyoutoberich.com/049-eric-elena-part-1/) - Elena and Eric are both 25. They live in Toronto, and they make $160k as a household. They love going to EDM festivals and spend thousands of dollars every year traveling to them—it’s their Rich Life! The problem is that they also own a condo that’s draining their savings at a rate of $2k every
- [Episode 48. “My husband needs a better job, but he hates the idea of earning more”](https://www.iwillteachyoutoberich.com/048-kara-sean/) - Kara and Sean make $150k annually, with $100k of that coming from Kara’s salary in healthcare. They have a baby daughter, and Kara would like to take a step back in her career in order to spend more time with her. The problem is, Sean’s happily (and hopelessly) stuck in a dead-end job. What do
- [Episode 71. “We finally talked about money. I can’t believe how little he’s saved”](https://www.iwillteachyoutoberich.com/071-emily-alex/) - Emily and Alex are in their mid-30s and have been dating for two years. They recently had a discussion about money and Emily was disappointed to learn how little Alex had saved. What would you do if you talked about money with your partner and you were disappointed at what you discovered? Tools mentioned in
- [Episode 69. “We make almost $300k per year but we can’t afford our mortgage”](https://www.iwillteachyoutoberich.com/069-chris-camilla/) - Chris and Camilla are 33 and 31 and they make almost $300k collectively living in a high cost of living area. They recently bought a vacation home, like everyone on TikTok tells you to do. Surprise, surprise—there’s no fairytale ending here, no mounds of passive income, no soaring property values or slam dunk investments. They
- [Episode 68. “I just learned he took out a secret $100,000 loan—two years ago”](https://www.iwillteachyoutoberich.com/068-emily-jan/) - Jan and Emily are in their thirties and recently bought a house. During the sales process, Emily discovered a $100k loan that Jan had taken out without her knowledge. To make matters worse, Jan admits he didn’t really have a plan on how to use this money to benefit their lives. Emily is the higher
- [Episode 70. “My husband thinks savings for our kids’ education is a waste of money”](https://www.iwillteachyoutoberich.com/070-amy-gaby/) - Amy wants to put money away for their kids’ college funds. She’s shocked when her husband, Gaby, says no—and that “the kids can figure it out themselves.” They’re in their mid 30s with a household income of $115,000 in the Miami area. In today’s episode, we cover money psychology, class, and creating a vision of
- [Episode 102. “If he doesn’t stop supporting our 31-year old son, we won’t be able to retire”](https://www.iwillteachyoutoberich.com/102-janis-michael/) - Janis and Michael have been married for 39 years. They share two adult children; the first is a therapist that recommended coming on the podcast. The second continues to take advantage of them financially. Their story is heartbreaking, totally unique—concerning, but far from hopeless. This episode is brought to you by: Ness Well |
- [Introverts: Improve Your Conversational Skills In 5 Easy Steps](https://www.iwillteachyoutoberich.com/conversational-skills/) - Ever been to a social gathering where you did more standing around than talking? Many of us hope that people will talk to us first – because let’s face it, it can be scary The truth is, being a conversationalist is a skill, and if it’s a skill, you can learn it – right in
- [9 Costly Hiring Mistakes (how to identify and prevent them)](https://www.iwillteachyoutoberich.com/hiring-mistakes/) - Hiring mistakes can cost your company far more than just time and money—they can disrupt team morale, damage client relationships, and set your goals back by months or even years. In this article, we’ll explore 9 of the most costly hiring mistakes and share actionable strategies to help you avoid them. 1. Rushing The Hiring
- [Target Date Funds: Investing the Easy Way](https://www.iwillteachyoutoberich.com/everything-about-target-date-funds/) - General wisdom says “you must invest” – but for most people it feels too overwhelming and complex to even consider. Luckily, there is one easy way to invest: target date funds. Target date funds embody the 85 Percent Solution: not exactly perfect, but it’s one of the simplest investment choices anyone can get started with
- [Best Financial Advisors: Do You Need One? (an honest guide)](https://www.iwillteachyoutoberich.com/best-financial-advisors/) - The short answer is that it really depends on your specific situation. After two decades of teaching personal finance to my students, the worst thing you can do is pay a flat fee for a financial advisor when most of you won’t ever need one. In this post, I’ll explain my philosophy on DIY financial
- [7 Bad Money Habits Killing Your Finances (and how to recover)](https://www.iwillteachyoutoberich.com/bad-money-habits/) - Bad money habits are behaviors that quietly drain your wealth and keep you from reaching your financial goals. In this post, we’ll uncover seven common habits that might sabotage your finances and show you how to break free from them. 1. Impulsive spending Impulsive spending is one of the most common habits that can wreck
- [Betterment vs Wealthfront (how to choose between both of them)](https://www.iwillteachyoutoberich.com/betterment-vs-wealthfront/) - When deciding between Betterment and Wealthfront, the answer isn’t one-size-fits-all. It depends on your investment style, account size, and financial goals. While both platforms excel as robo-advisors, subtle differences in features, pricing, and user experience may make one more suitable for your needs. In this post, we’ll break down the key features of Betterment and
- [Portfolio Rebalancing: What It Really Means & How to Do It](https://www.iwillteachyoutoberich.com/portfolio-rebalancing/) - Portfolio rebalancing is a powerful yet often overlooked tool for managing risk and optimizing returns, which involves realigning your investments with your intended target mix. When your investments drift off course, you could expose yourself to more risk than you intended or miss key opportunities. This post will show you exactly how to rebalance your
- [How To Void A Check (and what to do afterwards)](https://www.iwillteachyoutoberich.com/how-to-void-a-check/) - Voiding checks remains a common requirement for banking tasks like setting up direct deposits or automatic payments despite our increasingly digital banking world. Proper check-voiding techniques help prevent fraud and ensure your banking information remains secure and usable for its intended purpose. In this article, we’ll explore the exact steps on how to void a
- [Earnest Money: Everything You Need to Know + Handling Tips](https://www.iwillteachyoutoberich.com/earnest-money/) - When you’re ready to make an offer on a house, you’ll need more than just good intentions–you’ll need earnest money. This deposit acts as your “skin in the game,” showing sellers you’re serious about purchasing their property rather than just window shopping. In this article, we’ll cover everything you need to know about earnest money,
- [What Is A Good Salary? (With Exact Numbers)](https://www.iwillteachyoutoberich.com/what-is-a-good-salary/) - When someone asks, “What is a good salary?” they often get vague responses and arbitrary numbers that don’t tell the full story. While many factors influence what makes a salary “good,” you need concrete figures and benchmarks to evaluate your compensation properly. In this post, we’ll examine exact salary numbers across different scenarios and provide
- [How to Use the Envelope System to Control Your Spending](https://www.iwillteachyoutoberich.com/envelope-system/) - The envelope system is a great way to save money, pay down your debt, and spend on the things you love. Learn how the envelope system works and how you can get started today.
- [How To Budget And Create A Money Plan (+ 3 budget methods)](https://www.iwillteachyoutoberich.com/how-to-budget/) - A budget isn’t a diet for your wallet—it’s a strategy to make your money work harder for the things that matter most to you. Whether that’s building wealth, taking more vacations, or simply feeling secure about your financial future, a good budget puts you in control. In this guide, you’ll learn how to create a
- [Debt-To-Asset Ratio (The Good, The Bad, And What Lenders Want)](https://www.iwillteachyoutoberich.com/debt-to-asset-ratio/) - Whether you own a business or want to make smarter money moves, your debt-to-asset ratio plays a key role in determining your eligibility to borrow money. In this article we will discuss how to calculate your ratio, identify a favorable ratio, and what lenders examine in your financial records. You’ll discover ways to improve your
- [How Much Car Insurance Do I Need? (With Coverage Examples)](https://www.iwillteachyoutoberich.com/how-much-car-insurance-do-i-need/) - Choosing the right amount of car insurance is a balancing act between protecting yourself financially and avoiding overpaying for unnecessary coverage. Many drivers make the mistake of choosing minimum coverage to save money, only to face devastating financial consequences after an accident. This guide breaks down the key steps to help you calculate the coverage
- [How To Write A Debt Validation Letter (And Why It's Important)](https://www.iwillteachyoutoberich.com/debt-validation-letter/) - A debt validation letter is your first line of defense against inaccurate or illegitimate debt claims. Knowing how to use this tool can help protect your rights and ensure you’re not paying for something you don’t owe. This guide explains what a debt validation letter is, why it matters, and how to create one. How
- [Settling the Condo vs Townhouse Debate (Which is Right For You?)](https://www.iwillteachyoutoberich.com/condo-vs-townhouse/) - Choosing between a condo and a townhouse can be challenging, as both offer unique benefits and trade-offs. This guide compares condos and townhouses across key factors like costs, lifestyle, and maintenance to help you make the right choice for your needs. The Key Differences Between Condos and Townhouses If you’re on a tighter upfront budget,
- [How Much Umbrella Insurance Do I Need (And How it Works)](https://www.iwillteachyoutoberich.com/how-much-umbrella-insurance-do-i-need/) - Umbrella insurance is extra protection that kicks in when your regular insurance isn’t enough, covering things like accidents or legal claims that could otherwise cost you big. It’s the backup plan everyone wishes they had when the unexpected happens. In this guide, I’ll explain how you can figure out how much umbrella insurance you need
- [How Do Student Loans Work? (A Complete Guide For Borrowers)](https://www.iwillteachyoutoberich.com/how-do-student-loans-work/) - Student loans make higher education accessible to millions, but understanding how they work is crucial to borrowing wisely. This guide explains the basics of student loans, from how they’re structured to repayment options, helping you navigate the process confidently. What Are Student Loans? Student loans give you access to money specifically for education expenses. This
- [How to Quit a Job Without Burning Bridges (in 8 Easy Steps)](https://www.iwillteachyoutoberich.com/how-to-quit-a-job/) - In this guide, I provide eight actionable steps to help you resign gracefully, maintain valuable professional relationships, and navigate the process with confidence. Step 1: Evaluate Your Reasons Before you hand in your resignation, take a step back to reflect on why you want to leave your current role. This step is essential for gaining
- [Finances for a Multi-Generational Family (strategies & easy tips)](https://www.iwillteachyoutoberich.com/finances-for-a-multi-generational-family/) - Living in a multigenerational household has its own unique challenges. In this post, I’ll walk you through some practical tips you can use to navigate your finances in your family (whether you’re living with grandparents, adult children, or both) and I’ll share stories from my podcast guests who faced similar struggles that you can learn
- [10 Legit Ways To Get Paid To Read Books (websites and tips)](https://www.iwillteachyoutoberich.com/get-paid-to-read-books/) - Many people are skeptical about the idea of getting paid to read books, but legitimate opportunities do exist. While getting paid full-time to read books is a bit of a stretch, many book lovers can still turn their love for reading into an extra income source. In this article, we’ll explore ten creative ways to
- [35 Fun Jobs That Pay Well (Salaries + Getting Started)](https://www.iwillteachyoutoberich.com/fun-jobs-that-pay-well/) - Pursuing a job that you love and getting paid for you doesn’t have to be mutually exclusive. In this guide, we’ll explore a variety of well-paying, enjoyable careers that cater to diverse interests and talents. Whether you’re drawn to animals, technology, or the great outdoors, one of your dream jobs is out there waiting to
- [Why Do You Want to Be Rich?](https://www.iwillteachyoutoberich.com/why-do-you-want-to-be-rich/) - The concept of “being rich” is often misunderstood. It focuses solely on accumulating wealth rather than creating a life of purpose and fulfillment. In this article, I’ll share my personal journey with wealth, help you define what “rich” means, and provide actionable steps to achieve your financial goals. Why I Wanted to Be Rich When
- [Love and Money: Combining Finances After Marriage](https://www.iwillteachyoutoberich.com/combining-finances-after-marriage/) - Money is often considered a taboo topic, even for couples who share nearly everything else. Yet, it’s one of the biggest sources of conflict in relationships, especially when combining finances after marriage. In this article, we’ll explore proven strategies for combining finances after marriage, discussing real-life examples and practical steps to achieve financial harmony as
- [How To Move Out At 18 + Ways To Make Money & Get Free Stuff](https://www.iwillteachyoutoberich.com/how-to-move-out-at-18/) - Moving out at 18 is an exciting milestone, but it also comes with new challenges and responsibilities. This guide covers essential steps to prepare you for a smooth transition into independent living, from gaining financial stability to settling into your new home. Phase 1: Get Financially Stable Before thinking about moving out, I strongly recommend
- [How to Win Any Competition You Enter (against all odds)](https://www.iwillteachyoutoberich.com/how-to-win-any-competition-you-enter/) - Most people spot an opportunity and eliminate themselves before trying. They assume they won’t win and give up before the competition starts. In this article, you’ll learn how to win any competition you enter by breaking through mental barriers and using strategies that set you apart. Step 1: Don’t Let The Fear of Rejection Stop
- [Identifying the Four Tendencies (your guide to thriving with yours)](https://www.iwillteachyoutoberich.com/four-tendencies/) - Gretchen Rubin’s groundbreaking framework, The Four Tendencies, revolutionized how I think about personality types and habit formation, so I was thrilled to have an in-depth conversation with her about it. As the bestselling author of The Four Tendencies, Rubin has transformed our understanding of how different people respond to expectations, providing invaluable insights into motivation,
- [How to Write a Winning Business Plan Executive Summary (+ template included)](https://www.iwillteachyoutoberich.com/business-plan-executive-summary/) - Most business plan executive summaries fail because they focus on irrelevant details and lose investors’ attention in the opening lines. In this post, we’ll break down how to craft an executive summary that gets results, covering all the essential components, sharing real-world examples, and providing a ready-to-use template for you to start right away. Core
- [How To Price Your Online Course (Exact Numbers + Guidelines)](https://www.iwillteachyoutoberich.com/how-to-price-your-online-course/) - In this post, we’ll show you exactly how to price your online course, walk you through how we priced some of our own products here at IWT, and give you some tips on how to raise your prices in future launches. How to Price Your Online Course Here at IWT, we use this Taxonomy of
- [How Much Does It Cost To Build A House (A Breakdown By Location)](https://www.iwillteachyoutoberich.com/how-much-does-it-cost-to-build-a-house/) - Building a house represents one of the most significant investments, but understanding the total cost can feel overwhelming due to the many variables involved—from location and materials to labor and permits. In this article, we’ll break down building costs across urban, suburban, and rural areas, giving you a clear picture of what to expect and
- [TikTok vs. YouTube: Which Platform Works Better for You?](https://www.iwillteachyoutoberich.com/tiktok-vs-youtube/) - Deciding between TikTok and YouTube can feel overwhelming. Here, we’ll explore what it takes to succeed on both platforms, helping you determine which aligns better with your goals and resources. How to Decide Between TikTok and Youtube If you’re aiming for rapid growth and can commit to daily, trend-driven content, TikTok is the way to
- [I Will Teach You to Be Rich, Second Edition](https://www.iwillteachyoutoberich.com/i-will-teach-you-to-be-rich-second-edition/)
- [I Will Teach You to Be Rich: The Journal](https://www.iwillteachyoutoberich.com/i-will-teach-you-to-be-rich-the-journal/)
- [Episode 38. “He owes his ex $70k/year, and it’s straining our finances and our relationship”](https://www.iwillteachyoutoberich.com/038-rebecca-john/) - Rebecca and John are both attorneys and make good money. While John makes more, he’s legally obligated to pay around $70k annually in alimony and insurance tied to a past divorce settlement. On top of that, his income can vary widely, making the future difficult to plan for—and he has debt. He’s 61 but sees
- [Episode 30. “I want to change—but can I keep the truck?”](https://www.iwillteachyoutoberich.com/030-becca-brad-part2/) - It’s time to create a plan of action for Brad and Becca’s unsophisticated spending habits that we learned about in part one. I want to get them away from the gimmicks of monthly payments and immediate gratification, and instead push them to carve out a Rich Life vision that goes beyond getting to zero debt.
- [Episode 7: “My parents keep expecting us to pay for them”](https://www.iwillteachyoutoberich.com/007-maria-barry/) - Barry is a first-generation immigrant. His wife, Maria, has been raised in the United States. They’re making good money, have joint finances, and both parents come from Pakistan–but that’s where the similarities end. Barry has grown up living under a set of unwritten cultural rules whereby the son is expected to take care of their
- [Episode 34. “It’s unromantic if my boyfriend doesn’t pay for date night”](https://www.iwillteachyoutoberich.com/034-ashley-josh/) - Ashley and Josh both have high incomes but they find themselves arguing about who pays for what. Like a few past guests, Ashley thinks certain things are the man’s responsibility to pay for, but Josh wants a partnership. He feels like her spending is more out of obligation than true togetherness. These unspoken expectations are
- [Episode 16. “We’re worth $8 million but I comparison shop for strawberries”](https://www.iwillteachyoutoberich.com/016-amy-chris/) - When Chris shops for food online, he compares the cost of almond milk and strawberries to save a few dollars. He spends hours agonizing over the most economical flight routes. He even stopped and picked up a used stroller from someone’s driveway. Chris and his wife Amy have a net worth of $8 million. Their
- [20 Proven Small Business Ideas You Can Start Today](https://www.iwillteachyoutoberich.com/small-business-ideas/) - The best small business opportunities are often the ones you can launch with minimal investment and scale over time. Whether you’re looking for something solo or a business with growth potential, these ideas offer real earning power. 1. A One-Person Content Creation Agency Businesses desperately need content but hate creating it. Instead of trying
- [5 Best Online Business Ideas To Start Now (With Expert Tips)](https://www.iwillteachyoutoberich.com/best-online-business-ideas/) - Starting an online business doesn’t have to be complicated or costly. You don’t need a degree, expensive equipment, or a ton of experience. These five online business ideas are quick to set up, require minimal capital, and can even be done alongside your full-time job. 1. Selling Information Products Selling info products is one
- [5 Best Service Business Ideas (How to Start and Tips to Excel)](https://www.iwillteachyoutoberich.com/service-business-ideas/) - A great service business idea can turn your existing skills into a profitable, flexible source of income. In this guide, we’ll cover the best service business ideas, how to choose the right one, and practical steps to get started. 5 Top Service Business Ideas (and How to Start) Whether you want to work remotely,
- [Passive Income Ideas: A Realistic Guide For Beginners](https://www.iwillteachyoutoberich.com/passive-income-ideas/) - If you’re looking for high-impact passive income strategies and are willing to commit to the hard work, this comprehensive roadmap is the ultimate guide for helping you achieve your Rich Life in no time. The Truth About Passive Income (the “Real Work” Nobody Talks About) Marketers love to sell passive income as a dream—money rolling
- [32 ways to promote your YouTube channel (+ examples from my own channel)](https://www.iwillteachyoutoberich.com/how-to-promote-your-youtube-channel/) - I’ve put together this guide with 32 ways to grow your YouTube channel, many which I’ve used myself to grow my own YouTube channel to over 500,000 subscribers. Let’s dive right in: 1. Post High-Quality Content If you want your YouTube channel to succeed, you need to create outstanding content that resonates with your target
- [I’ve Updated My Best-Selling Book. Here’s What’s New and What to Expect](https://www.iwillteachyoutoberich.com/ive-updated-my-best-selling-book-heres-whats-new-and-what-to-expect/) - Ten years ago, I published my book, “I Will Teach You to Be Rich.” Do you remember what also happened 10 years ago? In March 2009, we were in the depths of a once-in-a-lifetime financial crisis and full-blown recession. Chances are, you know someone who was laid off. In fact, it was so bad that,
- [Best Budgeting Template & Spreadsheets (expert picks)](https://www.iwillteachyoutoberich.com/best-budgeting-spreadsheets-and-tools/) - When it comes to mastering your finances, having the right budgeting system in place is a game-changer. But the truth is, most traditional budgeting methods feel restrictive and overwhelming. That’s where my Conscious Spending Plan (CSP) comes in. It’s not just a budgeting tool—it’s a lifestyle shift designed to help you spend confidently and guilt-free
- [What's a subscription business model? (+ expert tips for success)](https://www.iwillteachyoutoberich.com/subscription-business-model/) - As an owner of a thriving multi-million dollar business and the author of a #1 New York Times best-selling book on finance, I’ve seen firsthand the power of the subscription model. It’s a strategy that, when executed well, fosters lasting customer relationships, ensures steady revenue streams, and scales businesses to new heights. In this comprehensive
- [Why am I so lazy? 9 expert tips to stop wasting your potential](https://www.iwillteachyoutoberich.com/how-do-i-stop-being-lazy/) - While feeling lazy from time to time is normal for everyone, feeling lazy all the time is a sign you should be digging into a deeper issue. In this post, I’ll share 9 tips you can use to break through your laziness. 3 Reasons Why You’re Feeling Lazy 1. Negative self-talk makes you afraid to

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- [Get Earn1K](https://www.iwillteachyoutoberich.com/get-earn1k/) - Earn More Now What would you do with an extra $1,000 every month? Take a small weekend getaway… every other week? Hire a personal trainer so you can get in the best shape of your life? Splurge on gifts for your friends and family? Take a week-long tropical vacation every year? Earning an extra $1000
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- [Earn1K Live Event](https://www.iwillteachyoutoberich.com/earn1k-live-event/) - Stop cutting, start earning: The path to an extra $1K/month Monday, March 10 8pm Eastern / 5pm Pacific Join us for a special live episode of my “Money for Couples” podcast! We’re going to chat with Pam (35) and Scottie (36), who have been dating for more than 2 years, live together, and have recently
- [Early Access Waitlist](https://www.iwillteachyoutoberich.com/early-access/) - Something big is coming… In a few weeks, I’m launching a new program that’ll show you how to bring in an extra $1,000+ per month—using skills you already have. Splurge on dinners at your favorite restaurants.Hire a house cleaner and never scrub your bathroom again.Pay off your debt faster than you ever thought possible. This
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- [Business Series Confirmed](https://www.iwillteachyoutoberich.com/business-series-confirmed/) - You’re in! Your first email is coming soon but there’s more you can do right now to get started. You just took the first step toward actually starting a business—not just thinking about it, not just watching other people do it, but actually making money on your own terms. I love that. Now, let’s get
- [Get Your Dream Job](https://www.iwillteachyoutoberich.com/get-dream-job/) - Ready to buy? The easy way to get the dream job you DESERVE and make $100K, $200K, or even $380K The best part is I’ve taught my “Side Door Loophole” to over 3000 people just like you to go from feeling stuck, stressed, and dead inside to being fulfilled, secure, valued, and LOVING their work…
- [50 Proven Email Scripts](https://www.iwillteachyoutoberich.com/50-proven-email-scripts/) - Ready to buy? Reach inside my “private vault” and use 50 of my best word-for-word email scripts to reach the unreachable… get the ungettable…and send the perfect message — every time. Use my private email techniques and get the actual emails that have built relationships, generated millions of dollars, and saved me thousands of hours. Don’t reinvent
- [Mental Mastery](https://www.iwillteachyoutoberich.com/mental-mastery/) - Ready to buy? Forget about the “hacks,” the morning routines, the random tactics What if you could START and FINISH every day confident, focused, motivated, and optimistic? What if you could stop worrying about everything that could go wrong…and start making things go right? What if you could stop reacting to everyone else…and start building
- [Earnable Live](https://www.iwillteachyoutoberich.com/earnable-live/) - Break the shackles of your job, your calendar, and your 9-to-5 income WHAT IF YOU COULD START A BUSINESS THAT PAYS YOU TO LIVE THE LIFE YOU’VE ALWAYS WANTED? Introducing Earnable, a totally new way to start and grow your business Even if…you don’t have a business idea Even if…you’re not a world-famous expert Even if…you’re overwhelmed
- [A Sneak Preview of <em>Money Coaching with Ramit Sethi</em>](https://www.iwillteachyoutoberich.com/sneak-peek-mcrs/) - A Sneak Peek of Money Coaching with Ramit Sethi No, money doesn’t have to be stressful Money stress is one of those things that’s so common that we think it’s normal. We think money HAS to be stressful. Here’s why: Most money advice just adds stress and worry to our lives. “Keep a budget!” “Cut
- [How To Talk To Anybody](https://www.iwillteachyoutoberich.com/how-to-talk-to-anybody/) - Ready to buy? “I was tired of feeling awkward” What if you could talk to anyone, anytime, using the power of body language to create an instant connection? Hi, I’m Ramit Sethi. Years ago, I had never been on national TV or spoken in front of huge crowds. In fact, I was socially awkward. I
- [Careers](https://www.iwillteachyoutoberich.com/careers/) - Join the team That’s helped millions of people (and had a lot of fun along the way) What if you could join a team and… Learn more in 3 months than you did all of last year? Surround yourself with fun, smart coworkers from around the world? Help millions of people improve their finances, start
- [C5 - Carrot Template](https://www.iwillteachyoutoberich.com/c5-carrot-template/) - Welcome I feel so sorry for people who believe money is all about restriction and budgeting. If they want to melt their life away for years and years and maybe have enough money to enjoy in their rocking chair, great. But that’s my nightmare. And if you’re reading this, it might be yours too. Conscious
- [No Stress Negotiation](https://www.iwillteachyoutoberich.com/nostressnegotiation/) - Ready to buy? Finally…a PROVEN program that walks you through the entire salary negotiation process — step-by-step and word-by-word — so you can boost your salary by thousands of dollars… Join my “pilot” students who’ve been quietly using this material to secure $5,000, $10,000, even $20,000+ raises — often with a single conversation. Like… “11%
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- [Teach Yourself Anything](https://www.iwillteachyoutoberich.com/teach-yourself-anything/) - Ready to buy? Q: “What’d you do last weekend?” A: “Not much” Introducing the new antidote to boring… Hi, I’m Ramit Sethi, the New York Times best-selling author and CEO of I Will Teach You To Be Rich and GrowthLab. A few years ago, my friend and I were grabbing drinks in the East Village. “What have
- [Overnight Resume Makeover](https://www.iwillteachyoutoberich.com/overnight-resume/) - Ready to buy? Finally…a PROVEN program that shows you exactly how to transform your resume and cover letter from ordinary to remarkable… in one night. Join my students who’ve mastered the 3 steps to turn your resume into an Interview Magnet You CAN skip the resume “black hole of doom.” Discover the powerful resume secrets
- [Finishers Formula](https://www.iwillteachyoutoberich.com/finishers-formula/) - Ready to buy? DOES THIS SOUND LIKE YOU? “I’m this close to giving up on myself” Wow. Look at these haunting comments I found online: “I can do anything I want to do, but I don’t want to do anything” “I coasted through high school and university and am struggling with real life work” “I
- [Find Your Dream Job Waitlist](https://www.iwillteachyoutoberich.com/find-your-dream-job-waitlist/) - Find Your Dream Job is now closed One of the most fascinating quirks of human psychology is that we can be dissatisfied for a LONG TIME before we actually do anything. How many of us know someone stuck in a bad situation for the last 10 years? A bad diet? A bad relationship? This is
- [Double Engine Growth Waitlist](https://www.iwillteachyoutoberich.com/double-engine-growth-waitlist/) - Double Engine Growth is now closed Do you want to double the size of your business — while working less? That is what Double Engine Growth offers. You’ll learn exactly how to build a Product Engine and a Lead Engine into your business — and if you want, how to build a high-performing team to help
- [How to find your first profitable idea](https://www.iwillteachyoutoberich.com/how-to-find-your-first-profitable-idea/) - Find Your First Profitable Idea Mini-Course: Lesson 3 How To Find Your First Profitable Idea In this video case study, you’ll watch as I help a real Earnable student go through the process and evaluate their business ideas. (This kind of behind-the-scenes detail is only available in Earnable, and now this mini-course.) TODAY’S EXERCISE: What
- [Delegate and Done Waitlist](https://www.iwillteachyoutoberich.com/delegate-and-done-waitlist/) - Delegate and Done is now closed Are you short on time? How many hours do you spend every week on tiny, mundane tasks that never really add to your life? Those EMAILS, those ERRANDS, the ENDLESS BACK-AND-FORTH, and of course, the NEVER-ENDING TO-DO LIST. Imagine waking up and knowing all those tiny details would all
- [The Overnight Business Idea Generator](https://www.iwillteachyoutoberich.com/the-overnight-business-idea-generator/) - Find Your First Profitable Idea Mini-Course: Lesson 2 The Overnight Business Idea Generator Every 6- and 7-figure business starts with an idea. In this lesson, we’re going to find yours. It doesn’t matter if you don’t have any ideas yet — or have too many of them. We’ll show you exactly how to handle both.
- [6-Figure Consulting System Waitlist](https://www.iwillteachyoutoberich.com/6-figure-consulting-system-waitlist/) - Learn the strategies you need to become a 6-figure consultant. With 6-Figure Consulting System, you can discover exactly how I command $25,000/day, including deep positioning strategies, barrier-busting psychological frameworks, street-tested business systems, and actual proposals that won huge contracts. I invested over $100,000 of my own money into developing this course, flying people across the country,
- [C5 - Sales template](https://www.iwillteachyoutoberich.com/c5-sales-template/) - Financial Freedom at any income level What if you could… Spend extravagantly on the things you love, guilt-free Pay your bills, save for dream vacations, and invest aggressively for retirement — all on autopilot And use your money to live a bigger, more rewarding life And do all of it without earning more, becoming a
- [Recording: How to create a second income stream​](https://www.iwillteachyoutoberich.com/recording-how-to-create-a-second-income-stream/) - Recording: How to create a second income stream Key takeaways: Business isn’t magic. It’s math. If you want a successful business, you don’t need everyone to follow you. Just a small group of the right people. Earnable shows you how to find an idea and launch your business, with just the essentials. Then if you want
- [Earnable Sneak Preview - Vote](https://www.iwillteachyoutoberich.com/earnable-sneak-preview-vote/) - Sneak Peek: Inside Earnable Looks like you’re interested in starting a business. Here’s a sneak peek at Earnable, my flagship business course. Earnable Excerpt #1:How business works: Behind the scenes of a $2,388 customer From the outside, running a successful business might seem a bit like magic. Especially one that brings in thousands of dollars a
- [A Sneak Preview of <em>Money Coaching with Ramit Sethi</em> - Vote](https://www.iwillteachyoutoberich.com/a-sneak-preview-of-money-coaching-with-ramit-sethi-vote/) - A Sneak Peek of Money Coaching with Ramit Sethi Looks like you’re not interested in starting a business right now. That’s okay. Below you’ll find some resources on how to manage your money and start living your Rich Life: No, money doesn’t have to be stressful Money stress is one of those things that’s so
- [Mental Mastery](https://www.iwillteachyoutoberich.com/mental-mastery-old/) - Ready to buy? Forget about the “hacks,” the morning routines, the random tactics What if you could START and FINISH every day confident, focused, motivated, and optimistic? What if you could stop worrying about everything that could go wrong…and start making things go right? What if you could stop reacting to everyone else…and start building
- [Call To Action](https://www.iwillteachyoutoberich.com/call-to-action/) - Ready to buy? Let me show you why this email generates millions of dollars In this email, I’m using a strategy that’s explosively grown my business. It works: Even if you’re not a “natural” writer Even if you don’t have a huge email list Even if you’re stretched thin with a million to-dos And most
- [Earnable Waitlist](https://www.iwillteachyoutoberich.com/earnable-waitlist/) - What if you could start a business that PAYS YOU to live the life of your dreams? Soon, you can. Earnable Live breaks down the hidden steps behind starting a business: finding an idea, creating an irresistible offer, making a sale, and many more. It’s all laid out, step by step, in Earnable Live. Even
- [Call to Action Waitlist](https://www.iwillteachyoutoberich.com/call-to-action-waitlist/) - Call to Action is now closed I’d like to invite you to learn how to use copywriting to deeply connect with your customers. It’s powerful. It’s authentic. And it works. There’s no pride in growing your business alone. I grew my business by standing on the shoulders of giants — by studying from the very best
- [Endless Audience Waitlist](https://www.iwillteachyoutoberich.com/endless-audience-waitlist/) - Endless Audience is currently closed Before I built Endless Audience, I tried all of the popular courses about building an audience, only to find that they regurgitated more of the same old, rehashed, generic garbage that I had proven didn’t work. Most of the “experts” were full of BS. And the best ones only knew
- [Breakthrough Launch Waitlist](https://www.iwillteachyoutoberich.com/breakthrough-launch-waitlist/) - Breakthrough Launch is now closed A few years back, I ran a launch that generated $552,511 in 2 weeks. We wrote the entire sales funnel a couple weeks ahead of time, without any fuss or late nights. They were fun emails, and it was fun to write them. Of the $552,511 we made in that
- [Thank You For Signing Up - Waitlist](https://www.iwillteachyoutoberich.com/thank-you-for-signing-up-waitlist/) - I’ve added you to the wait list! Thanks for joining the wait list. I’ll email you as soon as a slot opens up. It will be worth the wait, I promise. Click here to return to iwillteachyoutoberich.com
- [Earnable Free Preview](https://www.iwillteachyoutoberich.com/earnable-free-preview/) - Earnable Free Preview Earnable Free Preview What if you could start a business that pays you to live the life you’ve always wanted? What if you could go from no idea to growing a business that allows you to create a flexible life that lets you work when you want, where you want? As a
- [Dream Job Webinar Registration](https://www.iwillteachyoutoberich.com/dream-job-webinar-registration/) - Beyond networking: The top skills you need to build authentic relationships Monday, January 29 8pm Eastern / 5pm Pacific (see your time zone) If you’ve ever gone to a networking event filled with interesting people and stayed in the corner on your phone, or stood awkwardly at a happy hour not knowing what to say,
- [Dream Job Thank you for signing up for the webinar](https://www.iwillteachyoutoberich.com/dream-job-thank-you-for-signing-up-for-the-webinar/) - Thank you! You’re all set to attend my live broadcast on Monday, January 29, at 8pm Eastern / 5pm Pacific. In this special event, I’ll show you how to build a lifelong network with confidence. I’ve helped THOUSANDS of people find their Dream Job. Let me show you my proven system to find and land
- [Breakthrough Launch](https://www.iwillteachyoutoberich.com/breakthrough-launch/) - Ready to buy? How to build a 7-figure launch machine 1. Start with the simplest funnel possible. The right emails, just the right length, with the right subject lines — to drive results like these… 2. Add launch amplifiers to boost revenue. We’ll show you the specific levers to add 53% extra revenue to your launch — every time.
- [Behind the Sales Email](https://www.iwillteachyoutoberich.com/behind-the-sales-email/) - Ready to buy? Watch me write 3 sales emails worth $379,643 right in front of your eyes For the first time ever, get a behind-the-scenes look at this Power Trio of proven sales emails we use in every product launch. I used a “Big Reveal” email in our Success Triggers launch and made $82,358 from
- [What if I'm not an expert in anything?](https://www.iwillteachyoutoberich.com/what-if-im-not-an-expert-in-anything/) - Find Your First Profitable Idea Mini-Course: Lesson 4 “What if I’m not an expert in anything?” Just like in the full Earnable program, this mini-course includes lessons on the hidden inner psychology of successful business owners, as well as all the nuts-and-bolts tactics. In today’s lesson, I share a powerful perspective shift that will help
- [A secret community  for building businesses](https://www.iwillteachyoutoberich.com/secret-community/) - A look inside my secret community for building businesses Earlier this year, I quietly started a small community for people who were ready to stop thrashing around on their own and finally start and grow their business. I’m talking about REAL people building REAL businesses. The community includes all levels — from “I don’t have
- [Ramit's Brain Trust Insights](https://www.iwillteachyoutoberich.com/ramits-brain-trust-insights/) - Ready to buy? Ever had your mind blown by a single conversation? Introducing Ramit’s Brain Trust Insights: Your inside pass to the mindset & skillset of 30+ world-class experts in business, psychology, finance, marketing, and entrepreneurship It only takes one. One idea. One insight. One indisputable truth that all of a sudden hits you like
- [6 Figure Consulting System - Archive](https://www.iwillteachyoutoberich.com/6-figure-consulting-system-old/) - Learn the advanced strategies and actual systems to become a 6-figure consultant for high-level consultants Mistake #1: Studying mediocre players When I started consulting, I obsessively followed what my competitors were doing. How much are they charging? How come they got covered in that newspaper? They get all the good clients. It drove me nuts.
- [Rich Life Students](https://www.iwillteachyoutoberich.com/rich-life-students/)
- [Thank You For Signing Up](https://www.iwillteachyoutoberich.com/thank-you-for-signing-up/) - Thank you and you’re all set! I’ll be sending some good stuff to your inbox soon!In the meantime, check out the newest stuff happening at IWT.
- [Home - Quiz](https://www.iwillteachyoutoberich.com/home-quiz/) - Your Rich Life Starts Here Stop pinching pennies and design the life you’ve always imagined. Spend confidently on the things you love, and cut back mercilessly on the things you don’t. Take the Quiz Featured On Create your own rules Make your profession personal See money differently See How Out With the Old Rules My
- [C5 - Podcast Template](https://www.iwillteachyoutoberich.com/c5-podcast-template/) - Podcast Episode 109 Where Are They Now? Netflix Reunion with Millie and Christian https://youtu.be/zN6vGLTWxJw In this special limited series, we’re following up with couples from my Netflix show, How To Get Rich. Tune in to hear what’s new, what isn’t, and where their money conversations have gone since our taping. Today, we check in with
- [CTA Sneak Preview](https://www.iwillteachyoutoberich.com/cta-sneak-preview/) - Sneak Peek: Inside Call to Action Call to Action Excerpt #1:The secret to writing great copy (that nobody talks about) There’s a secret to writing copy that nobody really talks about. Instead, you’ll see a lot of tips like “15 ways to write winning headlines” or “5 sales page structures.” But what those miss is the
- [Get Earnable Live](https://www.iwillteachyoutoberich.com/get-earnable-live/) - Break the shackles of your job, your calendar, and your 9-to-5 income WHAT IF YOU COULD START A BUSINESS THAT PAYS YOU TO LIVE THE LIFE YOU’VE ALWAYS WANTED? Introducing Earnable, a totally new way to start and grow your business Even if…you don’t have a business idea Even if…you’re not a world-famous expert Even if…you’re overwhelmed
- [Earnable Bonus](https://www.iwillteachyoutoberich.com/earnable-bonus/) - Inside look at the $6,000 bonus included in Earnable Hi, Ramit here. I want to give you a sneak peek inside Earnable, the ONLY business course proven over 15+ years, 50+ industries and 42,000+ paying customers. In 2020, I hosted three invite-only workshops. These were intimate, online events designed to rapidly uplevel and accelerate your business. Each was
- [The Magic of Being Paid to Do What You Love](https://www.iwillteachyoutoberich.com/the-magic-of-being-paid-to-do-what-you-love/) - Find Your First Profitable Idea Mini-Course: Lesson 1 The Magic of Being Paid to Do What You Love Would you know a profitable business idea if it was staring you right in the face? Most people wouldn’t. In today’s lesson, I’ll show you that it IS possible to turn something you LOVE into a profitable
- [Money Coaching Thank you for signing up for the webinar](https://www.iwillteachyoutoberich.com/webinar-thank-you/)
- [Dream Job FAQ](https://www.iwillteachyoutoberich.com/faq/) - “Will this work…?” Frequently Asked Questions about Find Your Dream Job Click a question below to jump to the answer: Will this work…?“What if I don’t know what my Dream Job is?”“Does this work for people my age?”“Will this course help me if I like my job right now?”“How much help am I going to get?
- [Find Your Dream Job](https://www.iwillteachyoutoberich.com/opt-in/) - What if you woke up on Monday morning EXCITED to go to work? Soon, you can. Find Your Dream Job breaks down the hidden steps behind finding and landing the job of your dreams. How to find the best jobs at the best companies. How to ace the interview. How to negotiate for money, remote

## My Templates

- [Money-Coaching](https://www.iwillteachyoutoberich.com/?elementor_library=money-coaching) - The Fast Track to a Rich Life Go beyond the book and podcast. Take control of your finances and start enjoying your money. Instant control over your money Build a plan to invest, pay off debt, or take a trip you’ve wanted for years. We’ll walk you through setting up the I Will Teach You
- [Global MCRS Event Widget](https://www.iwillteachyoutoberich.com/?elementor_library=global-mcrs-event-widget) - Upcoming Events For Members 3-Week Money Automation Bootcamp January 22nd, 2026 @ 8pm ET, 5pm PT In this three week workshop you’ll walk away knowing exactly how to set up the foundation to organize and automate your finances. Nail Your Next Interview with Michael Gendler of Ultraspeaking January 27th, 2026 @ 12pm ET, 9am PT
- [New MCRS Sales Button](https://www.iwillteachyoutoberich.com/?elementor_library=new-mcrs-sales-button)
- [New Sales Page Button](https://www.iwillteachyoutoberich.com/?elementor_library=new-sales-page-button)
- [MCRS Sales Button](https://www.iwillteachyoutoberich.com/?elementor_library=mcrs-sales-button)
- [Earnable Testimonials Video](https://www.iwillteachyoutoberich.com/?elementor_library=earnable-testimonials-video) - Meet some of my successful students “I’ve officially made as much in the last month than I did in the last year. Just this past month my revenue was $29,000. Best of all, what’s enriched my life is seeing the impact my work has had on real people.” PETER NGUYEN Amanda Brown One video [from
- [Testimonials Carousel](https://www.iwillteachyoutoberich.com/?elementor_library=testimonials-carousel) - What kind of jobs are people finding? I purchased your Dream Job course a few months ago and am thrilled to share that I landed my next dream job as a Client Success Executive at a tech startup that is profitable and has a mission I’m passionate about I was able to negotiate a 12%
- [Elementor Loop Item #122060](https://www.iwillteachyoutoberich.com/?elementor_library=elementor-loop-item)
- [Post Loop Carousel](https://www.iwillteachyoutoberich.com/?elementor_library=post-loop-carousel)
- [Elementor Single Post #109435](https://www.iwillteachyoutoberich.com/?elementor_library=elementor-single-post-109435) - X-twitter Linkedin Instagram Ramit Sethi Host of Netflix’s “How to Get Rich”, NYT Bestselling Author & host of the hit I Will Teach You To Be Rich Podcast. For over 20 years, Ramit has been sharing proven strategies to help people like you take control of their money and live a Rich Life.
- [monthly-meeting](https://www.iwillteachyoutoberich.com/?elementor_library=monthly-meeting) - One-hour monthly meeting guide Don’t let talking about money be a source of stress for your relationship any longer. Build a stronger financial future with your partner – in just one hour a month. In this guide, you’ll get: A step-by-step approach to running your Monthly Money Meeting Word-for-word scripts and agendas to keep your
- [c-monthly-meeting](https://www.iwillteachyoutoberich.com/?elementor_library=c-monthly-meeting) - Your monthly meeting guide is ready Here are a few next steps I recommend: Read through the guide and familiarize yourself with the CARE framework Schedule your first Monthly Money Meeting with your partner Use the sample agenda to prepare for your meeting After your first meeting, reflect on what worked well and what you’d
- [c-couplestools](https://www.iwillteachyoutoberich.com/?elementor_library=c-couplestools) - Ready to live your Rich life? Your exclusive access to all my tools in Money for Couples is now ready. The Conscious Spending PlanWhat if you could make sure you were saving and investing enough money each month, and then use the rest of your money guilt-free for whatever you want? Well, you can. Get
- [couplestools-test](https://www.iwillteachyoutoberich.com/?elementor_library=couplestools-test) - Get all the tools from Money For Couples Whether you’re newlyweds or have been trying to manage money together for years, these resources will help you build a stronger financial foundation for your relationship. Ready to transform how you and your partner approach money? Get: Access to all tools and templates mentioned in the book,
- [meeting1](https://www.iwillteachyoutoberich.com/?elementor_library=meeting1) - Get The One-Hour Monthly Money Meeting Guide Take control of your money and build a stronger financial future with your partner – in just one hour a month. In this guide, you’ll get A step-by-step approach to running your Monthly Money Meeting Word-for-word scripts and agendas to keep your meetings on track Tips for handling
- [Default Kit](https://www.iwillteachyoutoberich.com/?elementor_library=default-kit)
- [Primary CTA](https://www.iwillteachyoutoberich.com/?elementor_library=primary-cta) - New to IWT? Watch founder Ramit Sethi host Netflix’s “How to Get Rich” Get the NYT-Bestselling book (over 1 million copies sold) Check out the podcast (over 200,000 downloads per episode) And join over 800,000 readers getting our Insiders newsletter, where we share exclusive content that’s not on the blog: Please enable JavaScript in your
- [Elementor Single Post #98395](https://www.iwillteachyoutoberich.com/?elementor_library=elementor-single-post-98395) - X-twitter Linkedin Instagram Ramit Sethi Host of Netflix’s “How to Get Rich”, NYT Bestselling Author & host of the hit I Will Teach You To Be Rich Podcast. For over 20 years, Ramit has been sharing proven strategies to help people like you take control of their money and live a Rich Life.
- [Script Template & Style](https://www.iwillteachyoutoberich.com/?elementor_library=script-template-style) - You: “Hi, I was looking at my plan and it’s getting pretty expensive. Could you tell me what other plans you have that would save me money?” Them: Blah blah same plans as on the website blah blah You: “What about any plans not listed on the website?” Them: No, what we have is listed
- [books](https://www.iwillteachyoutoberich.com/?elementor_library=books-2) - Money for Couples, I Will Teach You to Be Rich Yes, you can get on the same page with money. You can stop fighting, design a Rich Life together, and even spend extravagantly on the things you love. New York Times best-selling author Ramit Sethi goes beyond the usual “keep a budget” advice and shows
- [books](https://www.iwillteachyoutoberich.com/?elementor_library=books) - Money for Couples, I Will Teach You to Be Rich Yes, you can get on the same page with money. You can stop fighting, design a Rich Life together, and even spend extravagantly on the things you love. New York Times best-selling author Ramit Sethi goes beyond the usual “keep a budget” advice and shows
- [test](https://www.iwillteachyoutoberich.com/?elementor_library=test) - By reading this Ultimate Guide you’re already taking the first steps on your journey to a Rich Life. This is only an introduction to the ideas and material you’ll find inside IWT. I started this site in 2004 while I was studying technology and psychology at Stanford. I’ve spent the time since testing and honing
- [Insider's Kit](https://www.iwillteachyoutoberich.com/?elementor_library=insiders-kit) - Please enable JavaScript in your browser to complete this form.First Name *Email * Join the Insiders newsletter (free) Join the Insiders newsletter (free)
- [UG CTA - Getting a Raise](https://www.iwillteachyoutoberich.com/?elementor_library=ugt-cta-getting-a-raise) - If you like this post, you’d love my Ultimate Guide to Getting a Raise It’s one of the best things I’ve published (and 100% free), just tell me where to send it: Please enable JavaScript in your browser to complete this form.First Name *Email *Along with the guide, I’ll also send you my Insiders newsletter
- [UG CTA - Starting an Online Business](https://www.iwillteachyoutoberich.com/?elementor_library=ugt-cta-online-business) - If you like this post, you’d love my Ultimate Guide to Starting an Online Business It’s one of the best things I’ve published (and 100% free), just tell me where to send it: Please enable JavaScript in your browser to complete this form.First Name *Email *Along with the guide, I’ll also send you my Insiders
- [UG CTA - Habits](https://www.iwillteachyoutoberich.com/?elementor_library=ugt-cta-habits-book-cover) - If you like this post, you’d love my Ultimate Guide to Habits It’s one of the best things I’ve published (and 100% free), just tell me where to send it: Please enable JavaScript in your browser to complete this form.First Name *Email *Along with the guide, I’ll also send you my Insiders newsletter where I
- [UG CTA - Making Money](https://www.iwillteachyoutoberich.com/?elementor_library=ugt-cta-making-money) - If you like this post, you’d love my Ultimate Guide to Making Money It’s one of the best things I’ve published (and 100% free), just tell me where to send it: Please enable JavaScript in your browser to complete this form.First Name *Email *Along with the guide, I’ll also send you my Insiders newsletter where
- [UG CTA - Personal Finance](https://www.iwillteachyoutoberich.com/?elementor_library=ugt-cta-personal-finance) - If you like this post, you’d love my Ultimate Guide to Personal Finance It’s one of the best things I’ve published (and 100% free), just tell me where to send it: Please enable JavaScript in your browser to complete this form.First Name *Email *Along with the guide, I’ll also send you my Insiders newsletter where
- [UG CTA - Remarkable Content](https://www.iwillteachyoutoberich.com/?elementor_library=ugt-cta-remarkable-content) - If you like this post, you’d love my Ultimate Guide to Remarkable Content It’s one of the best things I’ve published (and 100% free), just tell me where to send it: Please enable JavaScript in your browser to complete this form.First Name *Email *Along with the guide, I’ll also send you my Insiders newsletter where
- [UG CTA - Profitable Business Ideas](https://www.iwillteachyoutoberich.com/?elementor_library=ugt-cta-business-ideas) - If you like this post, you’d love my Ultimate Guide to Profitable Business Ideas It’s one of the best things I’ve published (and 100% free), just tell me where to send it: Please enable JavaScript in your browser to complete this form.First Name *Email *Along with the guide, I’ll also send you my Insiders newsletter
- [UG CTA - Digital Marketing](https://www.iwillteachyoutoberich.com/?elementor_library=ugt-cta-digital-marketing) - If you like this post, you’d love my Ultimate Guide to Digital Marketing It’s one of the best things I’ve published (and 100% free), just tell me where to send it: Please enable JavaScript in your browser to complete this form.First Name *Email *Along with the guide, I’ll also send you my Insiders newsletter where
- [UG CTA - Email Copywriting](https://www.iwillteachyoutoberich.com/?elementor_library=ugt-cta-email-copywriting) - If you like this post, you’d love my Ultimate Guide to Email Copywriting It’s one of the best things I’ve published (and 100% free), just tell me where to send it: Please enable JavaScript in your browser to complete this form.First Name *Email *Along with the guide, I’ll also send you my Insiders newsletter where
- [UG CTA - Working from Home](https://www.iwillteachyoutoberich.com/?elementor_library=ugt-cta-working-from-home) - If you like this post, you’d love my Ultimate Guide to Working from Home It’s one of the best things I’ve published (and 100% free), just tell me where to send it: Please enable JavaScript in your browser to complete this form.First Name *Email *Along with the guide, I’ll also send you my Insiders newsletter
- [UG CTA - Social Skills](https://www.iwillteachyoutoberich.com/?elementor_library=ugt-cta-social-skills) - If you like this post, you’d love my Ultimate Guide to Social Skills It’s one of the best things I’ve published (and 100% free), just tell me where to send it: Please enable JavaScript in your browser to complete this form.First Name *Email *Along with the guide, I’ll also send you my Insiders newsletter where
- [Calculator - Business Profitability](https://www.iwillteachyoutoberich.com/?elementor_library=calculator-business-profitability) - Business Profitability Calculator Figure out your business’ potential with our profitability calculator. Input your expected revenue, cost of goods sold, and your operating expenses to get an idea of the profits you’ll make. Monthly Revenue Monthly Cost of Goods Sold Monthly Operating Expenses Monthly Gross Profit $0 Monthly Net Profit $0
- [T1_PTC](https://www.iwillteachyoutoberich.com/?elementor_library=t1_ptc) - New to IWT? Watch founder Ramit Sethi on Netflix’s “How to Get Rich” Get the NYT-Bestselling book (over 1 million copies sold) Check out the podcast (over 200,000 downloads per episode) And join over 800,000 readers getting our Insiders newsletter, where we share exclusive content that’s not on the blog Please enable JavaScript in your
- [CTA_P](https://www.iwillteachyoutoberich.com/?elementor_library=cta_p-2) - New to IWT? Watch founder Ramit Sethi on Netflix Get the NYT-Bestselling book Check out the podcast And join over 800,000 readers getting our Insiders newsletter, where we share exclusive content that’s not on the blog Please enable JavaScript in your browser to complete this form.First Name *Email * Join the Insiders newsletter (free)
- [Youtube Calc](https://www.iwillteachyoutoberich.com/?elementor_library=youtube-calc) - Daily Video Views Drag the slider to calculate the potential earnings Youtube Income 0Views/Day0Views/Day150000Views/Day 30000 60000 90000 120000 0%0%100% Submit If you are human, leave this field blank. Youtube Views Fields views per month views per year Submit If you are human, leave this field blank. Youtube Income Fields Projected Daily Earnings $ Projected Monthly
- [footer](https://www.iwillteachyoutoberich.com/?elementor_library=footer) - Ramit’s best advice, straight to your inbox. Please enable JavaScript in your browser to complete this form.Name *Email * Join Rich Life Insiders (free) Menu Contact Us Blog Careers Student Login Find us on social media Instagram Twitter Youtube Apple Spotify Copyright I Will Teach You To Be Rich ©2022 Menu Disclosure & Terms and
- [IWT Social Icons](https://www.iwillteachyoutoberich.com/?elementor_library=iwt-social-icons) - Instagram Twitter Youtube Apple Spotify Facebook
- [Announcement](https://www.iwillteachyoutoberich.com/?elementor_library=announcement) - Find Your Dream Job is open – this week only. Click here to join.
- [Earnable Open Sales Grid](https://www.iwillteachyoutoberich.com/?elementor_library=earnable-open-sales-grid) - Earnable The full Earnable system, including all 15 Playbooks Lifetime access to Earnable Playbooks 60-day, 100% money-back guarantee $149/month That’s only $4.90 a day Earnable Live The full Earnable system, including all 15 Playbooks Lifetime access to Earnable Playbooks 60-day, 100% money-back guarantee Join the Earnable online community Exclusive bonus material Live monthly workshops hosted by Ramit
- [Podcast Template (Sample)](https://www.iwillteachyoutoberich.com/?elementor_library=podcast-template-sample) - Podcast Episode 109 Where Are They Now? Netflix Reunion with Millie and Christian https://youtu.be/zN6vGLTWxJw In this special limited series, we’re following up with couples from my Netflix show, How To Get Rich. Tune in to hear what’s new, what isn’t, and where their money conversations have gone since our taping. Today, we check in with
- [Carrot Template](https://www.iwillteachyoutoberich.com/?elementor_library=carrot-template) - Welcome I feel so sorry for people who believe money is all about restriction and budgeting. If they want to melt their life away for years and years and maybe have enough money to enjoy in their rocking chair, great. But that’s my nightmare. And if you’re reading this, it might be yours too. Conscious
- [Sales Page Template](https://www.iwillteachyoutoberich.com/?elementor_library=sales-page-template) - Financial Freedom at any income level What if you could… Spend extravagantly on the things you love, guilt-free Pay your bills, save for dream vacations, and invest aggressively for retirement — all on autopilot And use your money to live a bigger, more rewarding life And do all of it without earning more, becoming a
- [Landing Page Template](https://www.iwillteachyoutoberich.com/?elementor_library=landing-page-template) - Your Rich Life can start today Welcome to Rich Life Insiders Join our private Rich Life Insiders group and we’ll share our Rich Life Insiders Kit with you – for free! Rich Life Insiders will receive Insider techniques on psychology, negotiation, automation, and investing Ready-to-use scripts that are never publicly released Case studies and private Q&As Special deals and offers
- [Blog Template (Sample)](https://www.iwillteachyoutoberich.com/?elementor_library=blog-template-sample) - Career • May 23, 2023 How to Prepare for an Internship Interview (Tips and Strategies) Internships provide valuable experience and can be an excellent way to get your foot in the door. In fact, internship experience is the key factor in tough hiring decisions. But before you can gain some internship experience, you first need to get
- [Master Template](https://www.iwillteachyoutoberich.com/?elementor_library=master-template) - Hero Components Hero Light Lorem Amet Subcopy lorem ipsum dolor sit amet consectetur, tellus tempus ut aliquam in ornare ornare turpis ultrices. Ullamcorper nisl nisi placerat ac augue, odio in ultrices adipiscing. Lorem Ipsum Hero Dark Lorem Amet Subcopy lorem ipsum dolor sit amet consectetur, tellus tempus ut aliquam in ornare ornare turpis ultrices. Ullamcorper
- [Podcast Slides](https://www.iwillteachyoutoberich.com/?elementor_library=podcast-slides) - “I thought she was going to die, so we spent all our money. Now we’re broke.”Episode #85Click Here“We make almost $300k per year but we can’t afford our mortgage”Episode #69Click Here“My wife won’t admit her business is failing, and we constantly argue about it”Episode #41Click Here“I think he should pay for everything because he’s the
- [Open/Close Script](https://www.iwillteachyoutoberich.com/?elementor_library=open-close-script)
- [Sales Page Link](https://www.iwillteachyoutoberich.com/?elementor_library=sales-page-link)
- [Sales Page Button](https://www.iwillteachyoutoberich.com/?elementor_library=sales-page-button)
- [IWT Carrot and Landing Page Header Option 2](https://www.iwillteachyoutoberich.com/?elementor_library=iwt-carrot-header) - Welcome! As you’ll see from this guide, everyone has a skill they can turn into a money-making online business. The key is in how you share that skill with your audience. I’m looking forward to seeing what business you create. And be sure to watch your inbox for more helpful information from me on getting
- [IWT Carrot and Landing Page Header Option 1](https://www.iwillteachyoutoberich.com/?elementor_library=iwt-carrot-and-landing-page-header-template) - Budgets suck. Stop living with the guilt. Get Your Free Conscious Spending Plan I feel so sorry for people who hear stuff like “don’t buy lattes” and believe money is all about restriction and budgeting.I believe in using my money to build a Rich Life TODAY, not make it smaller! And I want to
- [Opt In Button Section for Blog Posts](https://www.iwillteachyoutoberich.com/?elementor_library=opt-in-btn-section) - Build your plan to make money on Apps and spend guilt-free on the things you love. Find out how in our FREE Plan Guide.
- [IWT Podcast Episode Template](https://www.iwillteachyoutoberich.com/?elementor_library=iwt-podcast-episode-template) - Episode #: Episode Name https://youtu.be/tB5keBN9ku0 Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Tools mentioned in this episode Money Made Easy Mini Course Conscious Spending Plan Show Transcript Insert link to the transcript. DO NOT STORE ON GOOGLE DRIVE Insert Transcript Below
- [Portfolio gallery](https://www.iwillteachyoutoberich.com/?elementor_library=portfolio-gallery) - SEO Trending Top Management Photo Trending Case Study Brand Trending Business Ideas Campaign Trending Academy Awards Design Trending Usability Testing Brand Trending Creative Design SEO Trending Marketing Tricks Photo Trending Coding Courses Campaign Trending Success Guide Photo Trending Smart Process Design Trending User Experience SEO Trending Effective Systems
- [Clients](https://www.iwillteachyoutoberich.com/?elementor_library=clients) - Featured in
- [IWT UG Guide Header](https://www.iwillteachyoutoberich.com/?elementor_library=iwt-ug-guide-header) - Welcome! By reading this Ultimate Guide you’re already taking the first steps on your journey to a Rich Life. This is only an introduction to the ideas and material you’ll find inside IWT. I started this site in 2004 while I was studying technology and psychology at Stanford. I’ve spent the time since testing and
- [IWT As Seen On](https://www.iwillteachyoutoberich.com/?elementor_library=iwt-as-seen-on) - As seen on
- [IWT Course Promo](https://www.iwillteachyoutoberich.com/?elementor_library=iwt-course-promo) - Want personal financial coaching from Ramit? Join Money Coaching With Ramit Sethi If you want to stop stressing about money, you have to CHANGE your approach to money. What if instead of stressing about money, you ENJOYED it? What if your money GREW your Rich Life, automatically? What if you could see and track how
- [Default Kit](https://www.iwillteachyoutoberich.com/?elementor_library=default-kit-2)

## Reviews

- [Juan Pablo Beltran](https://www.iwillteachyoutoberich.com/review/juan-pablo-beltran/) - When we were dating, we almost always did low budget stuff because we were typical college broke students from immigrant families who typically have low-paying jobs. So…telling my wife to go out in our hometown without worrying about money was a truly special moment.
- [Nick Peterson](https://www.iwillteachyoutoberich.com/review/nick-peterson/) - My wife and I both graduated physical therapy school with what seemed to us a crippling level of debt…Ramit's program brought us to the next level…we were able to pay off over $230k of student loans in 5 years and become debt free…I'd highly recommend Ramit’s material to anyone and everyone out there!
- [Alex VriesmanI](https://www.iwillteachyoutoberich.com/review/alex-vriesmani/) - I went from having 20k in debt with 0 savings to debt-free, 120k in savings, automated investing, and having the ability to invest in a female-owned company called Blender Bombs that I've long admired. The automated investing alone, without changing any of those contribution amounts over the course of the next 20 years, will garner
- [Keri Bennett](https://www.iwillteachyoutoberich.com/review/keri-bennett/) - If you just stick to the system and keep going, your life won’t ever be the same in ways you can’t imagine…I can’t even count the number of trips…I have taken since enacting this system.
- [Katie Mild](https://www.iwillteachyoutoberich.com/review/katie-mild/) - We stayed in a luxurious Airbnb estate in Cape Town with ocean AND mountain views, then stayed at a luxury resort for the safari…Wine tastings in Cape Town vineyards, private helicopter ride over Cape Town, and then 5-star treatment at Mfuwe Lodge in Zambia…Very expensive and worth every penny… Best trip of our lives so

## Products

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