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Credit Card Debt Calculator”

Full chapter from my book: Optimize Your Credit Cards

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When I wrote my first book, we spent about a month trying to convince the publisher to send us a PDF OF OUR OWN BOOK SO WE COULD TRY TO MARKET IT. They were afraid that it would leak and magically kill sales. Are you kidding me?

For my new book, I Will Teach You To Be Rich (coming out in 6 days!!!!!), I asked my publisher once and they sent over ALL the PDFs. God I love them.

However, I don’t think they know what I was planning to do with them. I just kept whispering words like “wikis…Twitter…web 2.0.” They seemed to like that a lot.

So instead of trying to sell you guys on a bunch of promises, I’m figured you’d just want to see a few meaty chapters from the book.

No prob. Today, I’ll show you the FULL Chapter 1, “Optimize Your Credit Cards,” where you’ll see things like:

  • Page 24: Call script to use if you miss a payment
  • Page 34: People who waste time chasing bank interest rates
  • Page 35: Section on student/CC debt

The chapter also includes strategies to beat credit cards by (1) picking the right card and (2) negotiating if they try to screw you, how-to tactics for paying off debt, and my most hated pet peeve of all: Why most people focus on minutiae like saving $3 on lattes, but forget *big wins* like optimizing their credit. (See page 17 for an example of how your credit will save you hundreds of thousands of dollars — more than any amount of lattes.)

I’ll let the work speak for itself. Chapter 1 starts on page 13 of the PDF attachment.


BOOK COUNTDOWN: I Will Teach You To Be Rich launches!! order from Amazon or Barnes and Noble and forward your receipt to to get spreadsheets, bonuses, and a way to get your book signed.

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  1. I’m not a credit card addict, ( I have no cc debt) however, I enjoyed reading this Chapter. This is not a boring book, it keeps you interested by using practical stories of people in different situations, you don’t gear it to “one size fits all” mantra.

    I never heard of “personal entrepreneurship “, I love it. We all should take heed to it.

    Looking forward to the book.

  2. Thanks for sharing this with us. I’m looking forward to reading the whole book. I’m putting up a link on my site – hope it sends a few readers over.

  3. Good book so far Ramit. Looks like something I’d want to continue to read. Don’t know if you are aware of the typo on pg 26, “Bbefore”?

  4. […] he’s featuring the first chapter of his book (same title as the blog) for free on his site. I definitely recommend you check it out. Chapter One is called “Optimizing your Credit […]

  5. Hey Ramit! I’m a big fan.

    For some odd reason, I never even thought about paying more a month for my student loans, just because it was categorized in my mind as “good debt”. I have no other debt either. But debt is debt right? I was wondering if calling a loan servicer like Sallie Mae is even worth it, or would it be better to hold on to the flexibility of having lower payments due, but just paying more each month? It’s on an auto-debit cycle now, but I could always pay more on top of that each month right?

    Many, many thanks!

  6. This is the first time I heard of personal entrepreneurship and I find your book really interesting and definitely worth reading.

  7. Rami – not sure how this happened, but I pre-ordered from Amazon on Feb 20, and I received my book on March 4th – I’ve started reading, but my wife took over and plans to finish it before I get it back. Anyway, I was just confused about the book release still being in the future tense.

  8. One word Ramit: Shoes!

    Barefeet are kind of icky.


  9. Ran into same problem with my latest publisher.
    Editor refused to provide a finished copy of my own book.
    Too weird for words.