I am going to kick some personal-finance ass–yours

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Welcome to 2006. This year is the one where I’m going to help you take control of your personal finances and start investing for the future. This is in contrast to most people, who have no clue where they are spending money, what investing really is, or why it’s important.

Think of me as your drill sergeant, only a frail, Indian version with a larger vocabulary and, frankly, better etiquette.

So take this week and get all your other errands out of the way. Finish your emails, feed your cat, whatever.

Because starting next week, we are going to be taking a multi-week journey down the yellow brick road of personal finance. And I will drag you by your hair if necessary!!!

  • Want to figure out how much you spend every week, and how it compares to others? We’ll do that.
  • Want to know how much of your income you should save? No problem.
  • Do you have questions about paying off debt vs. investing? Ok.
  • Want to know where you should invest? Does a Roth IRA make sense for you? What about your 401(k)? We’ll do all of these, and more.

So handle your stuff this week. Because next week, I am going to kick some personal-finance ass–yours!!!!!!!!!!

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  1. I work in a very large company. Before I started here 4.5 years ago, I worked in a .com in Seattle and helped build it in to a large publicly traded company.

    I find that people do have very low expectations and tend to take waaay too long to get something done. Sometimes they just don’t do it at all. This would have been completely unacceptable at my previous company, yet it happens every day in this large company.

    It has taken me a long time to get used to the pace people move here, but it has also worked to my advantage. Because of my ability to do things quickly I’m known as a top performer, even though I’m not working nearly as hard as I was at my previous company.

    I came here for the incredible benefits and great salary. I joke that I’m “semi-retired” at 34.

    What I haven’t done is let other people’s low expectations impact my ability to get things done. I’m very clear about negotiating commitments from people and then I hold them to those commitments. I even check on them prior to their deadline to see what time they will be getting back to me. Many times, these people will try to use the “Who’s got the monkey” excuse. You know the one, “Oh, I needed something from someone else”. That just means, Oh, the monkey is on someone elses back so it isn’t my problem to work until I hear back from them. I make it very clear that they own the monkey regardless of who’s back they might think its on. By being persistent, I find that I am able to get people to realize that their commitments to me are real and I will call them to the carpet if they miss them.

  2. I just read a great book, the Automatic Millionaire, which started the process of kicking my personal-finace ass and now I am reading The Millionaire Next Door, which is not as good of a book but is still helping. I hope your information is as helpful as the books

  3. Not sure if this is your expertise, but maybe you could cover some of the basic rules of thumb regarding buying a house (or in my case a downtown loft).

  4. Sounds great! Coincides nicely with my own resolution to accomplish said actions. >.Sounds great! Coincides nicely with my own resolution to accomplish said actions. >.<

  5. Ramit – Sounds great. This is the kinda of stuff that add value to your readers. With this you will blog your way to the top!
    Thanks again.

  6. I’m ready. I have been reading a lot about financing all over the internet and can’t wait to hear your advice.

  7. Sounds great, I’ve actually included financial stuff (investing) to my resolutions for the year. Awesome coincidence!

  8. Im intrigued to see what you are going to come up with and any fresh new ideas for the NEW year. Thanks!

  9. I have no interest in the following website, but have you heard of the Early Retirement Forum? http://www.early-retirement.org/forums/

    There are thousands of messages on personal finance (most geared towards achieving early retirement), and dozens of knowledgeable posters.

  10. Alright, next week is here and is almost over too.

    Is this an empty promise :) ?