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15 Little Life Hacks

It’s my birthday today. Will you do me a favor?

571 Comments- Get free updates of new posts here

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I turn 29 today.

Creepiest pic ever 

So as usual, I know it’s weird to ask for my own gift, but I’m going to do it any way.

Will you share one specific thing I Will Teach You To Be Rich (or my Earn1K course) has helped you do this year? This can be anything concrete and measurable: overcoming a psychological barrier, paying off your last credit card bill, getting your first paying client. Maybe it has nothing to do with money at all.

I wouldn’t be surprised, actually. IWT isn’t really about money. It’s about behavioral change. And it’s been an incredible ride, from starting this blog in 2004 as a cocky college kid, to growing this site into what it is today.

The reason I write this site is to treat IWT like a laboratory: to help you figure out how to get more done in weeks than you’ve done in years. To show you that barriers can be crushed, that techniques can be put into practice, and to show you that information is not enough — we have to actually DO it.

Nothing could be better than hearing how my material has helped you.

Just leave a comment on this post. Or, upload a video to YouTube and tag it “iwillteachyoutoberich.”

The more specific, the better. Share a story. Tell us how IWT helped you hit a goal, pay off debt, earn more, get a better job — whatever. Provide specific, concrete #’s. Tell me what it meant to you.

It would make my day.

Thanks in advance.

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571 Comments on "It’s my birthday today. Will you do me a favor?"

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Meg
Meg
5 years 27 days ago

Last week my husband and I bought our first car in cash. Our net worth was up to $21k before the purchase, though significantly down now. This is up from a net worth of $-10k when we got married in December 2010. Our retirement funds are valued at $14k and we’re on track to either pay off my student loans or max out our Roth IRAs in the coming year.

Thanks, Ramit!

Jonathan Tsai
5 years 27 days ago

Shouldn’t your car still be a part of your net worth? Or are you just counting the cash on hand? Your net worth is probably a lot more than you think… typically, retirement funds are also rolled into net worth, major property you own, etc. Congrats!

Meg
Meg
5 years 27 days ago
I included the retirement funds in my net worth calculation. Since the car is a depreciating asset that we plan to drive into the ground, I decided to take it as a loss from the beginning. The car as about $11k, and after that and a large bill from my immigration attorney in June, my net worth is $9461.09. I’m happy with that. I have quit a bit of outstanding receivables for my husband’s business that we’re about to collect, a cash gift from my FIL and the last month of pay from my job, which I have quit. I’m… Read more »
Meg
Meg
5 years 27 days ago

OH, I forgot the big one. I started my job at $10/hr in March 2010. I’m leaving at the end of July making $19/hr. I nearly doubled my pay rate in a little over a year thanks to negotiation.

I’m particularly proud of this because I was a fairly low earner and was impressed I managed this.

Lauren
Lauren
5 years 27 days ago

You’ve helped me get over my fear of networking. Before reading your materials, I thought it was kind of slimy, but I challenged myself to try it and have found that a lot of people would like to help me find a job in my chosen field. I still haven’t secured a position (but have an interview tomorrow), but feel so much closer. As an added benefit, I’ve gained experience and confidence in talking to people in a professional context. Thanks Ramit!

Stacy
Stacy
5 years 27 days ago
I discovered your blog a few weeks ago and was immediately drawn in to the way you discuss personal finance and any other topic for that matter. I bought your book, which pushed me to take action in several areas. Specifically, additional long-term/retirement savings. I don’t have a retirement plan at my job, but I was already maxing out my Roth IRA. I then opened up an additional long-term fund in Vanguard (choosing a low cost index fund), which I will be building with an automated monthly payment. You also inspired me to really look at where my money was… Read more »
Charis
Charis
5 years 27 days ago

My husband and I set a goal (well, several, actually).

Our dream has always been to have a real estate business. But until this year, it was just that: a dream. So, during the spring we set a 12 month goal: to own one trailer park and two apartment buildings by the end of the year. Then we got busy doing what we needed to do to accomplish it.

Thanks for getting us up off our butts!

Janice Roquero
Janice Roquero
5 years 24 days ago

Hi, do you mean you will own 2 apt buildings and a trailer within one year, or do you mean you will have put down a down payment on them? Just asking? Good luck.

Chris B. Behrens
Chris B. Behrens
5 years 27 days ago
Happy birthday! I’ll share a couple of items: 1. $300 savings / monthly by combining / negotiating phone services television services. 2. $10,000 earned on the side from techniques learned in Earn 1k. 3. Personal finances organized and automated (mostly). For the first time, I have a master list of the large annual expenses (why in the world didn’t I do this a long time ago?). 4. Dramatically improved my negotiation skills (if you’re an American, it’s not hard) with the Jim Camp books. 5. Automated my billing with Freshbooks (referred there by one of your extras). I might be… Read more »
Jeremy
Jeremy
5 years 27 days ago
You helped me negotiate for the first time in my life. I needed to buy some new rims for my car (old ones were leaking air), and I called around to find the best price in my area, which was $110 for a pair. I was about ready to pay for them, but I just blurted out “Will you take $100 for them?” Without hesitating, the salesman said sure. This is big for me, not because I saved a ton of money, but because I’ve learned that negotiation is often simple and I don’t have to feel dirty about it.… Read more »
Jim E.
Jim E.
5 years 27 days ago
Well done Jeremy, don’t get carried away with it though. As you get comfortable learning how, next is learning when. I’ll never forget the time I was in line and a recent immigrant from a certain subcontinent was arguing in the express lane of the grocery store with the clerk. Turns out he was offering to pay $0.17/roll on a max pack of toilet paper instead of the posted price. It was an advertised item so I knew that the rolls were $0.20/roll. Not exactly a big win negotiation but if the clerk had said Ok right away maybe it… Read more »
Bret
Bret
5 years 27 days ago
My wife and I didn’t get much help for our wedding (and didn’t have much saved). We ended up with about $24k in credit card debt at the end of 2007. We were paying over the minimum for awhile, but it was slow going. Late last year we finally made our last payment and officially credit card debt free – except for the monthly balance which we now pay in full. While we were getting there, I read your book and setup our plan once our money was freed up. Now we both have Roth IRAs and couple grand around… Read more »
Caleb Huitt
Caleb Huitt
5 years 27 days ago

I gave up specifically tracking and paying most of my bills, and switched what I could to autopay. After the first couple of weeks, I now get upset when I encounter a monthly bill with no good autopay options.

Eber
Eber
5 years 27 days ago

Hello Ramit…. I am turning 29 today too!

Best Regards from Brazil.

Erin
Erin
5 years 27 days ago

Recommendations from your site helped me double my income which allowed me to pay off the last of my credit cards and establish a 6 month emergency fund. Next on my list is to pay off my car and student loans in early 2012. Thanks and Happy Birthday!

Brenna
5 years 27 days ago

My husband and I have fully automated our finances, so our savings are automatic. We’ve saved $5000 this year that we wouldn’t have otherwise. Plus, the save-first for specifics means we don’t feel guilty when we spend out of our “travel pot.”

Working with your system has made me feel in control of our money so we can actually enjoy it while feeling responsible. Thanks, Ramit, and Happy Birthday!

Bruce Hajdu
Bruce Hajdu
5 years 27 days ago

Hi Ramit,

I already sent you an email with my thanks for your book, but I will comment here as well.

I negotiated a 21% increase in pay by moving to a new employer, and I saved $4500 off sticker (and $3000 under invoice) by negotiating with multiple dealerships for a new car. My situation has dramatically changed for the better and I saved a killing on a car I was going to buy anyway.

Thanks Ramit!

Jenny
Jenny
5 years 27 days ago
I want to be in the Earn 1k program but I have some left over credit card debt from when I was younger and much more stupid. I know you don’t want people with credit card debt in your class so that has really motivated my husband and I to pay down the debt. We have paid off $13,000 in the past year and we have about $11,000 to go, which will be gone in 11-12 months. Before I started reading your blog, I was trying to pay down the debt but I wasn’t really focused on it. You lit… Read more »
Chris
Chris
5 years 27 days ago

Today, my first index fund purchase went through…after paying off thousands of credit card debt, after securing months’ worth of savings, after upping my 401(k), after automating my financial systems. It’s mostly because of the book, since the writing style was aimed directly at my demographic, that I was able to grasp things and execute on them. Thanks!

Ryan
Ryan
5 years 27 days ago

Your book and blog have helped me and my family immensely just this year alone.

I learned how to negotiate a pay raise. After clearly showing my value to my employer, I received a 5K bonus and a 17% salary increase as well as negotiating one day a week where I telecommute!

I used “The Year of the Hustle” to grow my side business doing web programming. I started the year with 2 small clients, and so far have grown that to 11 clients with more coming on board in the next month or so!

Thanks again, and Happy Birthday Ramit!

Jeff S.
Jeff S.
5 years 27 days ago
I sent this to you in email a few weeks ago, but I thought I’d put it here for everyone to see, because hey, it’s your birthday! Here is a paste of my email: Hey Ramit, just a quick note. I recently found out I needed to have a second back surgery. The first one cost me $30,000 up front, and I am still waiting to find out how much insurance will reimburse. This second one is “only” $12,000, but having just shelled out 30K less than two months ago, I don’t have 12K just lying around. Or do I?????… Read more »
Nate
Nate
5 years 26 days ago

Jeff,

Good luck with the Back surgery! I work for one of the Major Medical device companies in the Spinal Product line. I am in spine surgeries everyday. Sorry to hear you have to have a second surgery (an all too common occurrence with spine problems.) I know sometimes it can be hard to educate yourself on this topic since it is fairly complex. I thought i would share a few websites with you that you may or may not find helpful. Again, best of luck to you and i hope everything turns out well.

http://www.spineuniverse.com
http://www.back.com
http://www.maturespine.com

Jess
Jess
5 years 27 days ago

I applied for — and got into! — college because of your posts and your emails. I never thought a bum like me would do it, and now I’m moving into my dorm in August.

Now to choose between nursing and English… 😉

GayleRN
GayleRN
5 years 27 days ago
Nursing is a young person’s game. Be prepared for hard physical work and eventual back problems. have a backup plan for your eventual inability to do it. There are no old hospital nurses. Management opportunities are less than 1%. It does have rewards, but they will not be from your employer, neither will there be attaboys from your patients. You can be fired based on an unsubstantiated complaint from anyone. As a side note, my son majored in journalism and now makes substantially more than I ever will. Get job as an aide and observe carefully before you make that… Read more »
Jim E.
Jim E.
5 years 26 days ago

Jess,
Congratulations on going to school. Nursing is an honest profession with a clear path. English doesn’t have a clear path, but if you combine it with a specific/(even general goal) it makes the analysis easier. Don’t fret about Gayle’s advice, I assure you it’s possible to be fired from any job (even your own business, its called bankruptcy). One big point she brings up though is currently it’s hard to go out on your own as a nurse. If this isn’t important to you then no worries.

Cory Kaufman
5 years 27 days ago

I sold my overpriced mutual fund and bought a balanced portfolio of index funds from Schwab. Business-wise, I’m working to narrow down my focus from small businesses in my area to ones in a specific niche that actually have money to spend on a $2-3K WordPress site. Thanks, Ramit!

Angela
Angela
5 years 27 days ago

I switched banks, paid off credit cards and my car. Also automated all my finances. It is SOOO much easier now!

Sean
Sean
5 years 27 days ago
Ramit, I read the book, I enjoyed it, I tried to separate everything en only look at what I should be spending, but it was too easy to go on huge trips around the world/us- and know that I would be having fun now instead of later. Honesty every time I do it, I have this little voice in my head that’s telling this is stupid, and you should save (Ramit told you to) and every year I try and pay off all my cc’s and start over (has happened twice). I’m moving now to work with a group of… Read more »
ThatNateGuy
ThatNateGuy
5 years 27 days ago

Subscribing for a few years, love the wisdom.

Happy Birthday, Ramit!

Rodolphe
Rodolphe
5 years 27 days ago

It’s a little thing, but I got a credit card with a good rewards program—the one you talked about in your newsletter.

Andy
5 years 26 days ago

Rodolphe,
Thanks for the post. I was going to put the same thing. We had been credit card free for the last 2 years so I knew we didn’t need it, but thought with my business travel and usual expenses we could take advantage of a rewards card and pay it off every month to avoid interest.
Ramit,
Happy Birthday! Thanks for the tip on the best rewards card.

Heather
5 years 27 days ago
Happy Birthday! I think the main thing that’s changed (that I can blame you for) is my attitude towards my ‘blog’/business. I’ve not only finally restarted working on it after abandoning it on my degree, but I’ve been investing in myself and my skills, hiring other people to do parts that I’m less qualified to do (or just plain don’t want to or have time to – like writing tutorials), and being more willing to get out there and phone people than before. The shift from blog to business has helped a lot and changed how I see everything related… Read more »
Tanuja
5 years 27 days ago
Happy Birthday Ramit! and yes, that definitely is a creepy picture. I signed up for the Earn 1k Course late last year and found tremendous value in having to describe my ideal customer. That really helped me narrow my focus and target my marketing materials. I did get a few customers, but I think it’s tough with a luxury product…and while it’s a nice side income, I’m really trying to replace my day job. I basically need more time to work on Food for Thin since it’s my passion. So, I also took a lesson from the other love of… Read more »
Ian
Ian
5 years 27 days ago

I migrated my bank accounts over to Schwab and ING and now have automatic withdrawls to my vanguard IRA and multiple subaccounts. I’m making money while I sleep and saving money for a new car, wedding, and vacation to hawaii without even thinking about it. I’ve got extra money I didnt even know about now being properly stashed away for an exorbitant drunken bar tab or taking a special someone out to a nice meal. I started changing in January and I’ve already saved over 5k on a very small salary. Thanks!

Ben
Ben
5 years 27 days ago

The one thing that has really helped me is your strategy in automating saving accounts. Before, I had a single saving account that I used for everything, and I could never seem to grow that account, as every miscellaneous expense would be withdrawn from that account. Creating separate accounts for separate purposes has really made a difference in being able to budget and not overspend. It took all of five minutes to set up, but has vastly simplified my life and helped grow my savings.

Bridget
Bridget
5 years 27 days ago

Happy Birthday Ramit, I hope you have a lovely day and a great year.

So far your Earn1K course, which I am still making my way through, slowly but surely, has started to open my mind to new possibilities. I will finish it and I know that I am going to put it to good use.

Megan
Megan
5 years 27 days ago

I quit my job, started an online business, bought some terrible courses about online business for several hundred dollars, screwed up the business, ran out of money, lost my place to live, moved onto a family member’s couch, panicked.

Picked up a copy of your book at the bookstore, learned how to negotiate, called my old company, got my previous job back for TWICE MY OLD SALARY. This type of thing never happens in my industry. I credit the raise and the initiative to use my old network to the practical tips in your book.

Liz
5 years 27 days ago
Have a happy birthday! Automation for sure. I found your blog and bought the book as I was quitting one job and moving to another. I now make 20k less a year, but with automation, I NEVER worry about money anymore. I got rid of my car, live in my own apartment, put money into my 403b (making sure to max company matching), opened a Roth IRA, opened an ING account for savings buckets, AND have managed to save hundreds a month for my upcoming vacation to the UK for two weeks without having to make much sacrifice. I also… Read more »
Allison
5 years 27 days ago

Your book has helped my husband and I define our goals and start saving for them specifically. We’ve also used your book to help us with our retirement savings (maxing out IRAs, etc) and we are throwing extra money into index funds. We love Dave Ramsey’s Total Money Makeover, but once we had our full emergency fund, we didn’t know what to do since we don’t have debt. Your book helped with the specifics, and for that I am very grateful! Happy Birthday!

Lisa Marie
5 years 27 days ago

Hi Ramit; happy birthday! Hope it’s a great one. I haven’t started reading your stuff enough to add a real comment here. But reading these comments above has shown me that I need to make time to read the important, life-changing stuff or day after day will slip by and no changes will be made. I am going to make a new routine that allows time for this type of reading. I already share a mindset and some habits with people here, so I have come to the right place. I look forward to learning from you soon!

Jeff Tong
5 years 27 days ago

Earn1k helped me refine my business ideas and get my first three clients =)

Rissa
Rissa
5 years 27 days ago

The thing that was the biggest A-ha for me was the idea that if I want to spend money – spend it on the things I care about. Not the things I don’t care about it.

IE: I care intensely about my fitness. I’ll pay $150 a month to go to my CrossFit box. I don’t care about my cell phone. I got a pay-as-you-go because I’m never on it. Savings? over 100$ a month, and I still get to pay out the nose for my box.

Thanks Rammit!

Nichoel Forrett
Nichoel Forrett
5 years 27 days ago

The book, website, and emails finally encouraged me that I could do something with my finances instead of feeling helpless and overwhelmed. I got off my butt and put my little bit of savings into an ING account, and I set up a Roth IRA. I set up automatic monthly funding of both these accounts. I have most of my bills automated. I don’t have money in the budget for the course this time, but I sure appreciate the information in the emails, thanks!

Mathias
5 years 27 days ago
I have been “thinking” about doing “something” for thirty years. Nothing has happened. So last year I went around the world, and this year I have started my own photography business to at first make some money on the side (already made $800 in 2 months) to eventually quit my job and go full pro. Your blog inspire me to focus on action instead of thinking. To just bypass fear and do it anyway, no matter how much my mind tells me it can’t be done. I don’t know if I*ll succeed, but I don’t care. Just bypassing fear and… Read more »
Mathias
5 years 27 days ago

Oh and btw. Happy birthday! 😀

Eugene
Eugene
5 years 27 days ago

Happy Birthday!!!

Well, still kicking off my side income ideas but I’ve learnt to stay focused and do the practical things that will have immediate meaningful returns.

Thanks Ramit and keep up the great guidance!

Eugene

Dylan
Dylan
5 years 27 days ago

Your emails/instructional material helped me ace an interview using the very compelling briefcase technique and also get my cable bill lowered by $250 for the year.

Happy Birthday!

c
c
5 years 27 days ago
You’ve helped me: -Set up a great automated system for my accounts that includes a saving system that has repeatedly saved us in various situations. we have savings for stupid mistakes, moving, and Christmas gifts to name a few. That has helped us run our lives much smoother and with less stress. – Negotiate a raise at my current job. It got me a $5,000 raise. – Negotiate a $15,000 increase in my starting salary at a new job, which I start next week. The $5,000 raise from my old job helped set me on a new baseline, so this… Read more »
Tyler Hill
Tyler Hill
5 years 27 days ago

I have automated my finances from using techniques you suggested and have paid off two of my five main debts, and after I pay off the other 3 I will be free!!!!

Chris
5 years 27 days ago

Thank you for helping me get over my “I need to incorporate!” “I need to have a fifty-page business plan!” “I need a logo!” “I need a professionally designed website!” etc. I’ve used my existing social and previous work networks to start identifying clients and at the very least getting myself out there.

I was drawn to your site for the personal finance tips, sick of jumping from Harris to Citibank to Chase to … But your real gold is in empowering people to stop scrimping on the little things and start looking for avenues towards personal growth.

Bre
Bre
5 years 27 days ago

Happy birthday Ramit!

I can’t resist a birthday wish. Thanks to your site and book, I’ve started thinking very differently about money, happiness, and what it means to be “rich.” I’ve automated most of my finances, and I’m (slowly) learning to practice conscious spending – this has really changed my life. I really appreciate your advice and commitment.

Eric
5 years 27 days ago

Wrote and published an ebook
Turned a hobby into a business
Started another business
Focused on the business side of my blog

Combined, on track to make about 7k-10k in 2011 that I would not have earned otherwise. You made me think about life more as a business.

rowan
5 years 27 days ago

From the Earn1k course I finally learnt to get up off my arse (it’s the correct spelling – in Australia) and TALK TO PEOPLE about my freelancing. It was strange, because I’m not a shy person by any means – I just had to overcome my cultural inhibitions to talk to people about business and sell to them.

I got more feedback about my ideas in 2 weeks of doing that than in 6 months of ‘doing my own thing’ (ie. sitting on a computer and reading stuff on the Internet).

Nate
Nate
5 years 27 days ago

Where do I begin, Ramit helped me…
1) Automate my expenses
2) Prioritize paying off debt, like actually paying it off
3) Orange Savings account – f&%k yeah! That account rocks, oh and set up a sub savings account there
4) Did I mention automating my bills
5) Get a credit card that actually has great rewards…bam!

Happy Bday Ramit!

Richard
Richard
5 years 27 days ago

I started a business.. I will tell you how it goes once it is up and running.

Brandon
5 years 27 days ago

Set up monthly auto-contribution to a Roth IRA, invested in a lifecycle fund. Dropped Bank of America, and set my lesser credit cards to pay smaller monthly subscriptions.

Trang
Trang
5 years 27 days ago

Your book has helped me, a 22 year old new college business graduate, understand investments and brokerage accounts so much better. I felt they don’t teach the finance-you-need-to-learn-personally-for-your-life at school. I used to be the many that shut down and don’t do much because there’s too much complex info out there about money. You tell the simpler way of how to manage finances. I passed on the book to my friends, in hopes that they can receive the great advice that you’ve given to me. THANKS AND HAPPY BIRTHDAY RAMIT!

Jonathan Tsai
5 years 27 days ago
Only because it’s your birthday, Ramit =) I sent this private email to you on May 19, sharing the success story (and changed behavior) with your readership: Ramit, Once again, successfully applied the techniques learned from your website, and forwarded the tip to my friends. I pitch your stuff like hotcakes to my friends who are not as savvy about personal finance, keep it up. Thanks, Jonathan The tip(s) I used, in a story I wrote to my friends: Took me 7 minutes on the phone to get out of my late fee, 1 day late. What I said, after… Read more »
Jen
Jen
5 years 27 days ago
Paying off debt and money automation were big ones for me. When I stumbled onto IWTYTBR, I was already about 3/4 done paying off an obscene amount of debt (student loan, car and debt I took on in a divorce) — to the tune of over $50k about 18 months ago. I started funneling a small amount of money into a couple of ING accounts while I was still paying off debt. Those accounts gave me a small safety net in case I had to replace tires on my car or had some other surprise cost come up. Once I… Read more »
Amanda aka AbsintheDragonfly
5 years 27 days ago
I’m so motivated to get my business going to the next level, and also my husband and I are saving now! The kicker for me, was your story about the guy who gave a best man speech, and once I read it, I realized I really already KNOW how to do some of this, as I studied music in school, and what this guy did for the speech is what you do to prepare for an opera role. YOu take the better part of a year to prepare…so you are ready. And I’m inspired because it’s just a matter of… Read more »
Anne Gunn
5 years 27 days ago
My lesson isn’t from any of your courses, rather, from the remarkable sequence of emails (marketing emails, of course, but also so much more) that I’ve been getting from you as part of my downstream benefits from attending MicroConf2011. You’ve certainly made me re-think the possibility of using email as an effective marketing tool (the authentic, direct voice you use is something I can do — the amount of info/content you deliver is still a bit daunting) but that’s a bit wanna-be as a response to your birthday request. More concretely, you’ve given me the example I needed to go… Read more »
Eugene
Eugene
5 years 27 days ago

I’ve learned that just because something seems like common knowledge doesn’t mean it is and to challenge those perceptions. I’ve also learned to take smaller steps towards a goal and refine as I go.

– Thanks Ramit and Happy Birthday!

Eric Wyatt
5 years 27 days ago
I’ve started offering my teaching services, writing instruction, and writing consulting (writer-in-residence) programs six months earlier than I had originally planned. Before, I felt like I needed to wait until the MFA was completed, so I’d have a piece of paper to wave around when I looked for work. Instead, I am moving forward, knowing that I’ll graduate in January, with the plan of having some clients already in place, happy, and enjoying the process of becoming a better writer. I haven’t jumped feet-first into your program (yet…) but I have put at least THAT idea to work for me.… Read more »
Alex Quintana
Alex Quintana
5 years 27 days ago
Oh my God. Where do I start. The week-long e-mails on finding profitable ideas and how to test them out was like an arrow marker. Then I read the book and realized I have much less bills and much more money than the average examples you listed in the book, but until recently I have been blowing most of the money and not having a clue that I had so much. My paying for life/dating coaches has kind of put what I have in perspective but I can’t talk enough about all the value that I’ve gotten from your e-mails… Read more »
Sean Giorgianni
5 years 27 days ago

IWT has helped me set up an automated plan and convince my my that managing finances isn’t evil.

James Starzyk
James Starzyk
5 years 27 days ago
Okay, Ramit. Get ready to hate me, then love me, then hate me, then love me. Nearly three years ago, with very mediocre credit history, I opened my first credit card… with Capital One (hate!). The card I ended up choosing, I found on bankrate.com at your suggestion because it had the lowest APR I qualified for. I also negotiated out of the annual fee (love!). In March of this year, they doubled my interest rate from about 13% to 22% and when I immediately called to complain I was told it was through “no fault of my own” and… Read more »
Shahida
Shahida
5 years 27 days ago

Hello Ramit,
Happy Bithday!!! I automated my savings. I do not have to worry about it anymore. There are a lot of good practices in your book. But you know, you are right, make time and do it. Making time is a challenge for me. I have gotten one thing done and will make time for more taks to be done.
Thanks Ramit!

Livia
Livia
5 years 27 days ago

Happy Birthday!

From your excellent research I have done the following:

I opened up a Schwab account and just got my AMEX card.I have set-up my financials to be automated and now I will start attacking my car and student loans!

Cheers,
Livia

Crystal
Crystal
5 years 27 days ago

I got a second job to pay off debt instead of trying to be *more* frugal

Andre CLA 500
5 years 27 days ago
Happy Birthday Ramit! One specific tactic I learned from I Will Teach You To Be Rich is that credit cards give you 90 day or more insurance on most purchases that get lost, stolen or damaged. Since I learned about this, I’ve gotten over $400.00 in refunds from Amex. My bike was stolen in Chicago and an ink pen busted in a expensive ass pair of jeans. It was very easy to get the refunds. Cool thing was Amex refunded me for the entire purchase on that jeans receipt so I basically got 2 free pairs of expensive ass pants!… Read more »
dave
dave
5 years 26 days ago

Similar to this is the free extended warranty on most credit card. Capital one Visa is fixing or replacing a 3 year old lawn mower at no charge to me. It came with a 2 year warranty from the manufacturer, and Visa adds 1 extra year. It died just before the end of the Visa period. A 5 minute phone call and a little paperwork. Once they review it, I will either get a full refund or they will pay to fix it (about $150).

Norman Horn
5 years 27 days ago

Earn1k inspired me to start a website design freelance side-business dedicated to helping local political groups design decent websites. As a result, I had a great line to put on my resume that helped me land a HUGE job with a startup company in Austin in my main profession. Not only did I make back my investment into the Earn1k program by far and learn a ton about business while doing it, I got what I think is probably the perfect job for the long term with a company that is definitely going to go far!

Prabu Rajasekaran
Prabu Rajasekaran
5 years 27 days ago

You inspire me to create rock-solid content day in and day out.

Sonia
Sonia
5 years 27 days ago

It’s the savings account idea. I always used to complain – for instance at xmas or other recurring event – that I did not have money for this or for that. After reading that section, I set up an account for xmas gifts, for workshop and courses; for a trip to Peru, for unexpected events, with a weekly money transfer for each. So simple, so easy… And so nice NOT to be whining about lack of money for things anymore…

David Wilson
David Wilson
5 years 27 days ago

Using ideas from this site, the book, and the free Earn1K materials, I found a small game company with some newly published game content that had been edited poorly. I took them samples of my work and showed them what I could do for them, and they agreed to make me their chief editor. But not before I talked them into raising my proceeds from 5% to 7% of sales on any of their projects I edit (just as a baseline), with additional fees based on the difficulty of a given project.

Thanks, Ramit. Happy birthday!

—David Wilson

Ashley
Ashley
5 years 27 days ago

I believe that regardless of topic, there are universal thinking processes for achieving excellence. The basic money principles you teach can be universally applied to all subjects and are characteristic of high achievers from professions such as artists, scientists, teachers, or even stock brokers.

While I have always measured everything in terms of time, I realized something was missing. This year, when I learned that the missing piece was value, life made sense again.

Hope you have a great birthday.

Max
5 years 27 days ago
This year, IWT and Earn1k helped me get a better job and negotiate a much better salary. The improvement was so extreme that my student loans will now be paid off in 2 years instead of 20. My mind was blown by Ramit’s debunking of the “selling is scamming” myth; it was liberating to understand that selling is mutually beneficial when you provide real value to customers, and offer something that they’re delighted to pay lots of money for. The epiphany, for me, was understanding that we can negotiate not based on “how much I need to get by”, but… Read more »
Ben
Ben
5 years 27 days ago

Ramit,

You have given me the strength to break through the mental barriers I had against becoming a professional in my chosen career. Last year I began the journey to become a Certified Ethical Hacker. I paid down enough debt to afford the program offered by a local company. During the program I also grilled the Technical Partner about hiring practices. Now, I am one of their Ethical Hackers, making almost twice the money of my old job.

Thanks and here’s to many more years of learning ahead!

Nikki J
Nikki J
5 years 27 days ago

I paid off $70k of student loans in 3 years by busting my ass and using tips from this site. Thanks Ramit and Happy Birthday!

Jen Helton
Jen Helton
5 years 27 days ago

Happy Birthday Dude!
I just celebrated my 30th. I took your advice and have 90% of our monthly bills auto deducted from our checking account. My bank now is set up to notify me via text message, of the upcoming payments, and I don’t have to do a thing unless I want to change the payment amount. After a couple initial insufficient funds fees, which I had reimbursed, things have been smooth for four months. Thanks Ramit! you’re a genious 🙂

Michael
5 years 27 days ago
Thank you very much for your book. It encouraged me to develop a budget that I think could work. I have so far have been putting it into place, and I believe I will be able to pay off around $3k worth of credit cards within 3 months. I’ve signed up for your earn 1k course, but will have to wait til I get out of debt before I sign up. Thank you for helping me attain my goals. I even set up a Roth IRA and it has a whooping $25, but hey, it’s a start. Thank you, Michael
Natasha
5 years 27 days ago
Happy Birthday Ramit! I started with your book, got rid of almost all my debt (except husband’s car loan, but we will be done in a year), significantly raise my credit score (from 650 to 820 within a year, I think), got savings account in ING (with SAVINGS in it!), got IRA and so on. I feel much more secure now about my future! Then, I joined your Earn 1K course and guess what? I succeeded. I didn’t know what to choose: my etsy shop, freelance design or photography business. I started implementing few of your techniques (not all, honestly… Read more »
Steph
Steph
5 years 26 days ago

That’s very inspirational, Natasha! We have similar interests and it’s great to hear that you can juggle multiple interests/sources of income!

Lauren
Lauren
5 years 27 days ago
I Will Teach You to Be Rich gave me the tools I needed to set up a savings plan. Before I read the book I felt paralyzed with too much information and instead of doing anything to save I just thought to myself that if I was conscience about how I spent my money, I was being financially responsible. Wrong. I was maybe saving $3 in one day by not buying a cup of coffee… that was eventually spent the next day because I felt so good about not buying a cup the previous day! The book helped me set… Read more »
Josh Weiner
Josh Weiner
5 years 27 days ago

Dear Ramit,

your book and financial advice has been superior to that of all other personal finance literature on the market. Your words of wisdom have helped my sister pay off her increasingly large debt, and get her spending on track. Your book and blog in many ways, has played a large role in helping her turn her life around.

I could not be more thankful. Happy Birthday.

Sincerely,
Josh

Kelli
Kelli
5 years 27 days ago
You’re only 29. Holy Crap! Am I allowed to write that???? LOL! Anyway, Happy Birthday!!! I haven’t accomplished as much as other writers but you have helped me get a psychological grasp on spending. I no longer spend on things I just “want”. My finances are now automated and I only spend on things I “need”. Thanks for your help. If you’re ever in Sacramento, I would love to sit down and have a conversation with you (as I’m sure millions of others would as well (lol)) but know the invitation to lunch or dinner is open. Thank you again… Read more »
Dan
Dan
5 years 27 days ago

IWT has taught me the benefit of having and responsibly paying off a credit card (I’m working on getting my first). It’s also keeping me motivated in my goal of paying off my student debt. I’m currently paying off $1000 a month ($2000 down and $11000 to go). More than anything, it’s taught me that managing one’s finances is fairly easy, highly rewarding, and even a little bit fun. Thanks, Ramit, and happy 29th!

Kevin
Kevin
5 years 27 days ago
First off, Happy birthday! For the IWT lessons: I was legitimately excited when I got to say screw you to the big bank I used to use. Felt real good shredding those cards up. It’s funny how I canceled my accounts with them because of poor service and they kept putting me on hold during the cancellation process. IWT pointed me toward the best accounts and let me finally move on from the bad ones. So much more, too: 1) Fully funded Roth IRA for the past 2 years 2) Credit score has gone from ~680 before I picked up… Read more »
Stacy
Stacy
5 years 27 days ago
I’m a stay at home mom, unemployed, but active volunteering. One of my gigs as secretary of the local bee club resulted in a member asking for my resume for a position with the Jet Propulsion Laboratories. My first response was to freak out. But then I took a deep breath, and started asking questions about what they’d be wanting, how I could best help her out in her department. Based on the info she gave me, I started writing up my resume. My first inclination was to downplay things – I’ve been out of the work force for 6… Read more »
Bunny
5 years 27 days ago
I had a bit of an aha moment with this last round of emails. I’m designing quilting patterns. I realized I can design the pattern, teach the pattern and package kits with supplies for my students and also sell online. I never made the connection to use the patterns and consciously expand it to other income streams. Thanks for that. I have had mega stress the last few years because of the economy downturn and my income is minimal at best… however I have automated my expenses and have reduced that stress big time. I bought 2 copies of your… Read more »
Susie
Susie
5 years 27 days ago
Hello Ramit, I appreciate your advice on negotiating credit card debt. Last week I negotiated a high rate interest card, 29.97%. I was told at first that they couldn’t lower it since it was a contractual agreement. I wouldn’t take no for an answer, so I told them I want to speak to the supervisor who could write a new agreement for me. Bam!! I was put on hold and then the agent came back and said they could lower the interest rate to 10% for six months; that was perfect since I plan to have it paid off by… Read more »
Rok H.
Rok H.
5 years 27 days ago
Hey, first things first. Happy birthday and all the best in the next year of your life. 🙂 So few months ago you helped me discover cloaked fears and since then I’m successfully getting rid of each and every one that I recognize. Well I still have one that’s been bugging me for a while (probably the most common one) – fear of failing. I want to start my own business but I constantly say to myself: You don’t know the right people, what if you won’t be able to pay the people working for you for the first few… Read more »
Andrea
Andrea
5 years 27 days ago
Thanks to your blog, book, Scrooge Strategy, and Earn 1k bootcamps, I’ve: Maxed my roth IRA contributions for the past two years, learning how to pick low cost diversified index funds, and rebalance assets Saved $10,000 in my emergency savings in my ING account Negotiated to remove credit union fees, buy a used car in near perfect condition for $12,900 where equivalent models’ sticker price was $16,000, and reduce insurance premiums by $500/6 months Finally got off my lazy ass, narrowed down all of the freelancing ideas down to something really niche that people are willing to pay for, and… Read more »
Cameron S
Cameron S
5 years 27 days ago
Learned a LOT about financing. I’m a 22 yr old college student (actually, just graduated a few weeks ago-yikes!), and your book was the first time I seriously learned about finances, and all the smart things people in their 30s wish they did in their 20s-high-interest checking account, IRAs, credit card strategies, etc. I started a high-interest checking and savings accounts (with my name on in, rather than leeching off my parent’s account-felt good to be ‘on my own’), and am almost done with your book. Hoping to have an investment plan in place that is low-maintenance, so that I… Read more »
Alexia
5 years 27 days ago
Happy birthday Ramit, and enjoy being 29, it’s been one of the best years for me so far! Earn 1k helped me to start getting a little creative and outrageous with my attempts at earning money – I also loved the way you cut the BS (websites, biz cards, etc.) and help us to get straight to the ACTUAL THING we are trying to earn money with, with almost immediate results. With the brainstorming, one of the items I came up with was ‘cooking’. Pretty simple, right.? Like the rest of the world, I’ve written a food blog in a… Read more »
Neil
Neil
5 years 27 days ago
Happy Birthday Ramit! Writing this from Singapore, just moved a few months ago! I bought your book at US and read it full till the end ! Found it quite interesting and enough practical to be implemented. The website is equally informative and over there, one link led to another and found one interesting “salary negotiation” video. Used the same skills as I moved back to India and with little practice and “acquired” killer negotiation skills, landed up with a job paying Rs 1,600,000 pa in Feb 2010!! It was quite an achievement! Thanks a ton! Meanwhile one of my… Read more »
Adam
Adam
5 years 27 days ago

Happy Birthday, youngster. 🙂

More than anything, your blog has converted my mindset around money. I grew up in a family where money wasn’t talked about, nothing was ever negotiated, and basically you were supposed to just get whatever you got without questioning it. Needless to say, that approach has sucked.

We’re not debt-free yet, and I’m no master negotiator, but we’re getting there, thanks in large part to your work. I’m also much more solid about charging what I’m worth, and my business is taking off because of it. Thanks for all you do!

B.J.
B.J.
5 years 27 days ago

Specifically, your articles on the Breifcase technique (and intimately understanding your client/employer’s needs) helped me adjust how I interview. This, in turn, helped land me a young IT professional’s dream job at a great new employer…
I already had the skills and service, but did not have the sales mindset necessary to move up to a new exciting opportunity. Your posts really pushed me to understand and tailor my services to a better employer!

Happy birthday and thanks for the constant quality advice!

-BJ

Heather
Heather
5 years 27 days ago

I followed all the steps applicable to me in I Will Teach You to Be Rich and I am now a life long follower. One of the biggest impacts has been using ING to save for vacations, important events, emergency expenses, etc. I have been able to save $10,000 in ING for various expenses and am traveling to the Europe in a few months – Something I’ve always wanted to do. Thank you so much and Happy Birthday!!

Greg B
Greg B
5 years 27 days ago

Happy Birthday Ramit.

I created sub accounts for my wedding and honeymoon, and automated savings into them so we could pay it all off in cash rather than using our credit cards.

Mark
Mark
5 years 27 days ago

You and I have basically have the same ideas about personal finance. I used to spend a lot of time explaining to people to bank online and automate their finances and buy index funds. And then you wrote this great book that is easy to read. Now I just recommend your book to people. Saves me a lot of time.

Matt
Matt
5 years 27 days ago

Ramit,

I have wanted to move to NYC from Seattle for awhile, but was just sending out resumes. I took the advice to ‘spend on myself’ and booked a couple of flights out to meet with potential employers. I persistently networked my way to setting up meetings this August with a few decision makers at firms I’m really excited about. Thanks for all of the advice!

-Matt

Clay
Clay
5 years 27 days ago
You made my marriage a success. My wife and I got married in July of 2009. As we were working through how we would combine our money there was a lot of frustration – I couldn’t understand why she was “wasting” money . She was sick of me questioning her spending. I found your blog-automated our bills, savings, ect. We both couldn’t be happier with the results, we are hitting all of our savings goals and I don’t get frustrated on what she is spending money on. You are affectionately referred to as “Gandhi” in our house and we are… Read more »
Erik
5 years 27 days ago

Hey Ramit, happy birthday and many returns ofc.

Only started your program 1 week ago, but the 1 thing it did for me was making me kick myself in the butt and get to work on those things I love and am passionate about and not just pondering and breaking my mind over them all the time.

Regards

An
An
5 years 27 days ago

I went from having about $5k in credit card debt, no savings to speak of, and no extra money to do anything to having $1k (and growing!) in savings, almost $10k in investments (with an employer match program) no credit card debt, and enough money to take three short vacations paid for out-of-pocket this year. I know I’m still not getting everything right, but just taking action has put me in a much better place than I was a year or two ago.

Kathy
5 years 27 days ago
Thanks for inspiring me to be awesome. I have been reading you for a while and it motivated me to begin making money on the side. I found an idea that wasn’t out there (Virtual Assistance for Photographers) and have grown and develop it. When my husband had a stroke in November (he’s doing much better now), I dropped to part time at my soul-sucking job and developed it even more. Now, I have managed to quit that POS job and got a Part Time job at Apple as a supplemental income while I do this freelancing too. It’s been… Read more »
Will
5 years 27 days ago

The most important thing you will get from Ramit’s material is to stop BS-ing (working on unimportant things) and to just take action on the right tasks that have the greatest ROI. Without this, I would not have the business I have now.

Nan
Nan
5 years 27 days ago

Happy Birthday, Ramit! By employing several of your kick-ass techniques I have been able to buy a nice house in town with a big inground pool and hot tub, and a 12 acre farm about 40 miles out of town to get away to on the weekends. Thanks for helping me achieve my paradise.

Bryan Sebeck
5 years 27 days ago
I got married a week and a half ago. My wife and I have already set up sub savings accounts to save money for a honeymoon for our one year anniversary (exporing San Francisco and driving up to the redwood forests), and to save to replace both of our cars (my 1998 minivan has over 170k miles on it and only has about two years left in it). I’ve also switched to a credit card that gives rewards that I will actually use, automated and got ahead on payments for my student loans, and recommended the book to several colleagues… Read more »
Patryk Ploszaj
5 years 27 days ago

Ramit,

Happy Birthday! I have not read your book (yet)… I don’t even own it 🙂 So I don’t have a story specific to IWT, or any other of your programs, etc. But being here and exploring your tips and knowledge, along with the comments athers are posting has already made a significant dent in the way I think about approaching various possibilities of starting a business and managing my finances. I appreciate it. A simple “Thank You!” is your b-day gift from me. So… Thank You!

Mohan
Mohan
5 years 27 days ago

I have Applied for 2 new Amex credit cards and increased my Credit History. I had a confusion to either buy or rent a house. Your book make me decide which road to choose.Though i havnt got 10,000 points on starwood. it was definently a booster on planning my budgets a bit using Mint.

Art
Art
5 years 27 days ago
Ramit, Actually you have done a lot and you don’t even know it over the last 2 years. But specifically over the last year your advice about high interest checking and savings accounts fundamentally altered my life long approach to banking. I used to think I needed a brick and mortar bank. But you convinced me to try ING and Schwab and the auto savings features and the interest I am getting from these accounts makes so much difference. I am also very persistent about fees and have gotten really good about negotiating them away. I am currently working on… Read more »
charlie
5 years 27 days ago
Ramit Happy Bday! I read your book and it helped me save over 25k for my wedding in roughly 12 months. I used the specific strategies you laid out in book to automate my finances which allowed me to reach my goal. My fiance and I will be getting married on July 23rd and will paying cash for everything! Instead of starting off our married life in debt we’ll be shopping for a new house. I can’t thank you enough. I will never forget this quote, “Personal finance is not about more willpower!” I had tried every trick in the… Read more »
David
David
5 years 27 days ago

I used the negotiation tactics to increase my rate 25% above what what my employer was offering.

Eliot Burdett
5 years 27 days ago

Congrats! After reading IWTYTBR I automated all my bills payments and savings to happen on the same day each month. Now once a month I just make sure the required amount is in the account and never have to spend time balancing my bank book or waiting for cheques to clear my account throughout the month. Life changer. Thanks!
Eliot.

Adam
Adam
5 years 27 days ago
I haven’t made improving my finances a huge priority yet, but I have made some small concrete steps that are setting me on the right path: — set up an automated savings account that gets 5% of my paycheck — paid off a $1000+ credit card bill that I’d been struggling to control (kind of a big deal for me because I have grad school income right now) — added three small but helpful revenue streams to my income (which enabled me to pay off bills and have some extra “fun” money) — changed my bills to come on or… Read more »
N
N
5 years 27 days ago
Happy birthday Ramit! I havent accomplished as much as I’d like especially since I purchased Earn1K, but I still want to thank you for every little thing your material has helped me with. – being more aware of invisible scripts in my life and how to not let them get to me – changing my mentality that I don’t have to quit my day job to start doing what I like. In fact, a day job can be a good balance! – being able to identify whiners and people who are all talk and no action…and making sure I’m not… Read more »
Owen
Owen
5 years 27 days ago

Bought the book – IWT got us using a Conscious Spending Plan instead of a monthly budget. We set up complete automation of our finances and also paid off all of our credit card debt, a car, and a student loan early.

Susie
Susie
5 years 27 days ago
Hello Ramit, I appreciate your advice on negotiating credit card debt. Last week I negotiated a high rate interest card, 29.97%. I was told at first that they couldn’t lower it since it was a contractual agreement. I wouldn’t take no for an answer, so I told the agent that I wanted to speak to the supervisor who could write a new agreement for me. Bam! That was the ice breaker. I was put on hold and then the agent came back and said she could lower the interest rate to 10% for six months; that was perfect since I… Read more »
JOSE
JOSE
5 years 27 days ago

You taught me a different point of view. And I appreciate that so much.

Happy Birthday

CONGRATULATIONS!!!!!!!!!!!!

Magaly
Magaly
5 years 27 days ago
Happy Birthday! I have learned that you have to take action to get out of the ditch: In two weeks i will have paid off my 4 credit cards, my credit has gone up. I automated all my bill payments. I also looked at what i was spending and cut out alot of magazine subscription and other items that cut 100. per month of expenses. I am also starting a side job as a loan processor, i am in the process of getting my license. Since they now require a state and federal test my sister who is a broker… Read more »
Jacob
Jacob
5 years 27 days ago
Happy Birthday! The main thing you have taught me started a couple weeks ago. For the first time I didn’t feel guilty about not owning a house. As a recent college grad who is just trying to pay back student loans and get some what established in life, I was constantly being hasseled about buying a house. “Rates have never been lower!” “It would be a great investment to start off your life.” All I could think of was “Geez I would just be happy paying off some loans and going to the coffee shop a few times a week.”… Read more »
Raquel Salas
5 years 27 days ago

IWTTBR has helped me realized that I need to stop spending in things that are not important to me so that I can spend on things that are important to me and truly enjoy them.

Lena
Lena
5 years 27 days ago
Happy Birthday Ramit! I first read your blog maybe two years ago and started automating my savings, maxed out my 401K, opened a Vanguard account, switched from Hells Fargo to Schwab and got a new credit card with a better rewards program. I dropped off reading for a while but am back on the bandwagon now, and I can honestly say you have helped me reconsider my entire professional trajectory. I have always wanted to freelance or at least have a more flexible job but didn’t see how it could be possible (psychological barriers: I’m too young, I don’t have… Read more »
Dr. W
Dr. W
5 years 27 days ago
I learned the difference between active and passive obstacles. It led me to reorganize my office so that tasks I used to put off (like “print” doh!) because they involved a whole series of actions became easy and instant. This not only makes me more productive at my desk and lets me have the paperwork I need in meetings without the procrastination, it makes it more pleasant to get into the office and start the workday. This was a small tip, but a major change. I am expanding it to more strategic areas. Thank you. Happy Birthday. Please continue to… Read more »
Brian Lang
5 years 27 days ago

Ramit,
You have inspired me to get back to building my website and to start looking for a side job. I can’t afford your Earn1K program yet – too much debt to pay off first. So for the last couple of weeks I’ve been monitoring Craigslist to look for small jobs in my field. Nothing’s panned out for me yet, but I’m optimistic.

Greg Rollett
5 years 27 days ago

This week actually my wife and I finally made the switch the the Schwab Checking Account and I did grab that AMEX card you recommended and am using it for all my travel. Thanks for the tips man.

Amy
5 years 27 days ago

I have automated more payments to reduce my credit card debt. I have also researched moving to the Schwab checking account you recommended.

Brenda
5 years 27 days ago
Happy Birthday OLD MAN. I’ve only just starting hearing from you and your program, but none of my time spent with you has been wasted. I especially appreciate your specific goals and assignments and I know that doing money generating things will become my new habit. I know that doing two things at once is productive but doing three or more is stupid. I’ve learned that its not only ok to be writing at 3am, but its probably more profitable than writing at 2pm. I’ll keep reading and watching, and completing the assignments…thanks for sharing your decades worth of knowledge!
Dave
Dave
5 years 27 days ago
IWT has helped me immensely. I’m 31, carry no debt, I max out my Roth IRA and hopefully soon my 401k, and since October, I have successfully negotiated for two promotions for a total of a $39k increase in annual salary. I have also successfully negotiated for a three month bonus at my new rate (which is significant as it is not the tradition of my company to offer bonuses at all). I’ve had my eyes opened to the myths of home ownership, and while I may purchase a house in the next 24 months, I will do so informed,… Read more »
Oz
Oz
5 years 27 days ago
You helped me find the confidence and common sense to start my own commission-based art business. Specifically, I learned how to get inside my customers’ heads and tailor my approach so that it was all about THEM; my commissions literally tripled. Unfortunately, it was the wrong market, so my success didn’t last, but thanks to your information I now know WHY it was the wrong market, and next time I’m going to focus my efforts on the wealthier set. Also, I finished paying down my student loans!! I’m not actually sure how much direct influence you had over that, but… Read more »
matt
5 years 27 days ago

To appease your ego, I will tell you because of your site I have become more financially aware and I have almost all my college loan debt paid off since I graduated last June ($600 left). I also have automated all my accounts and due to your suggestion, have been reading extensively on investing. The amount I have learned from your site and book is incalculable With that said, the best thing about following you is reading the hilarious Reddit links you post on the twitter.

cole
cole
5 years 27 days ago

Remit,

After reading your blog i’ve been able to: 1. automate my finances 2. open an ING savings account 3. Open a roth IRA account 4. Passed your info onto my girlfriend who was able to get an 11% raise at work + commission 5. helped my girlfriend launch a profitable Etsy store that has brought in more than 1K in the past 2 months.

Thanks again, and have a great birthday… hope to see you around NYC sometime.

Dan
Dan
5 years 27 days ago

Your book (and blog) helped me stash away ~6 grand just in the last 9 months by automating my money flow instead of depending on discipline to save it and put it in the right place.
Bonus: the book also gave me easy, practical advice for investing. Before I read IWTYTBR it was discouraging and confusing trying to figure out how to invest my money. Not anymore! Thanks Ramit, and happy freakin’ birthday!

Lynn
Lynn
5 years 27 days ago
Oh my goodness where do I start??? I started reading your posts almost from Day 1 and as a single mom, who worked at a university myself, I thought you were a wet-nosed twerp — but, hey I kept reading all these years! I started my own household services business that now has subcontractors and actually makes taxable money (ha ha) !! My daughter just got married 6/19 and we paid CASH for the wedding — yeah!! I don’t lose sleep at night over how to put food on the table or gas in the car. Trust me, there was… Read more »
Jennifer
Jennifer
5 years 27 days ago
Hi Ramit, Happy Birthday. I’ve been reading your blog for a while, and while I like your writing style, I don’t think it’s your tips that make you as unique. For me the value in your posts comes from the fact that they’re infused with confidence. You aren’t afraid to come off like a d1ck, and I swear I can see some of your words in my head when I find myself wimping out, and they give me some much needed support to “man up” and own who I am instead of acting like some wee shrinking violet. So thanks!… Read more »
shastrie
shastrie
5 years 27 days ago
hey Ramit Happy Birthday many many returns!!!! IWT has helped me not really about money, automating my finances etc, but its taught me more about myself and the psychological barriers in my own mind preventing me from getting off my lazy ass and doing something for myself after reading instead of procrastinating I started saving, restarted and going consistently well in a regime to put on muscle, I’ve restarted my guitar practice and have gotten much much better but all of this is basically because of a change in my behavior that I only realized after reading IWT so thanks… Read more »
SoCalGirl
SoCalGirl
5 years 27 days ago

Ramit, iwillteahyoutoberich reminded me to AUTOMATE my finances. Something I had done years and years ago but had stopped. I started again and it is the ONLY way to wealth! Thank you for the reminder – and – HAPPY BIRTHDAY!

Diana
5 years 27 days ago
Happy Bday Ramit! So, one specific tip that I read in your book was about Roth IRA’s. In your book,you mentioned that you could withdraw the initial amount you deposited to start the account without penalty as long as you had it for 5+ years. Well, I am happy to report that I took out $1000 free and clear and even had my banker stumped. I have used this cash to invest in my new business, help me pay down credit card debt and well, feel a lot more confident when it comes to the numbers game. Thank you SO… Read more »
Christopher
5 years 27 days ago

I understand financial automation and that life is about using money to enjoy our desires. My mom is a financial advisor with an ultra-conservative outlook, and frankly, I hate her perspective. Your perspective has liberated my mind.

Thank you for everything you do Ramit.

David
David
5 years 27 days ago
Happy Birthday! I started reading your website a month or two ago before I graduated college after freaking out about the fact that I knew very little about finances going into the real world. I visited your site after reading one of your guest posts in a NYT article (the guest post method got me!) and since then I’ve found an invaluable amount of insight in your material. Specifically, here are some of the things I’ve done since starting to read your site: 1. I opened up a savings account and got a credit card 2. I got my first… Read more »
Stephanie
Stephanie
5 years 27 days ago

Happy Birthday, Ramit!

I’m a teacher who knows the value in hearing how you have helped someone, and who also happens to savor every bit of money-saving advice. I’ve started tutoring on the side, and your advice has helped me to work more efficiently and become more confident in negotiating. This confidence is not only useful in professional areas, but in personal relationships as well. It’s changed my outlook on my interactions and has helped me to look for ways I can benefit others and be benefited with every contact I make.

Enjoy your day!

Diego Rodríguez
5 years 27 days ago
Hey Happy Birthday! I’m from México but read your book anyways… started to look for the mexican equivalents of everything you talk about in every chapter (too bad the account and bank recommendations don’t count here). Anyways, I immediately opened an investment account, a savings account, and automated everything I could. Oh! and also I stopped using and additional credit card from my mom’s… I’d been using it since long ago and always paid the total, but never realized that I was just helping my mom get a better credit score instead of my own, so I went to get… Read more »
Chris W
Chris W
5 years 27 days ago

Hi Ramit,

Frankly I have not read your book but keep reading your mailers/ twitters – and its been months that I am doing so. The one thing I realized that you always recommend to leverage own strengths or build one for sure.

Thank you for your great advice and I’m sure I will benefit from other actions – I see a lot in the comments.

Happy Birthday Ramit! – I have decided to read the book and plan to wrap up by the next weekend. Be assured you will hear a lot from me.

Regards,
:)hristopher

Aarthi
Aarthi
5 years 27 days ago
Happy birthday ramit! I am a medical student in London and have been reading your website for just under a year. This year I have reached out to people in the field I am interested in (pediatrics) and I now have lots of useful contacts. I also made a conscious effort to defeat my student instincts about the value of things rather than the cost and paid to go abroad and present my research at an international student conference in holland. And I used the briefcase technique to get a job! So thank you so much for all your advice.… Read more »
Kasturi
Kasturi
5 years 27 days ago
Hi Ramit, Happy Birthday!! A thank you note and a birthday gift for you – I stumbled on to your site a few weeks back and what I read there motivated me enough to pick up the phone. I had had a job offer a few months ago which I declined. After reading your IWT site, I called them back checking to see if they still had the opening. However, instead of joining as an employee, I pitched it as a consulting job – and what do you know, they agreed!! Today, I am sending them my first ever invoice… Read more »
Jamie N.J.
Jamie N.J.
5 years 27 days ago
IWT has helped me to fully automate all of my finances and bills, switch my chequing account over to a non-fee bank called PC Financial (in Ontario, Canada), start a new savings account over at ING Canada (including the sub-savings accounts which I’ve titled similar to yours), I negotaited my annual salary to $2000 more than what it was “supposed” to be at the time of my contract renewal, I actually took the actions you suggested every single day in the preliminary Earn1K 2.0 emails, I looked into the cost of Earn1K 2.0 and was going to try to figure… Read more »
Kelly
Kelly
5 years 27 days ago
Happy Birthday! The most important thing for me is the idea of testing my assumptions, which I’ve applied to various aspects of my life with mostly positive results. Turns out that I *do* like beets, that maybe all men in their 20s are not too immature to date (still testing that one), and the value of my skills should not be determined by how easy something is for me to do, but rather by the impact it has on my clients. So, just because I can solve a problem with minimal effort on my part, doesn’t mean it’s not a… Read more »
Rob
Rob
5 years 27 days ago

I just started reading the IWTYTBR site in May, and I have since opened up an ING Savings account and began saving for long term expenses and emergencies. In two weeks I will open up a Schwab checking account and say good-bye to ATM fees. I am automating my expenses for the first time in my life and working toward a financially healthy future. Thank you.

Jordan
Jordan
5 years 27 days ago

While it may not be specific or measurable, I’ve noticed a profound shift in the content of my thoughts as well as the quality of my actions. Instead of playing video games, my friends and I sit around discussing various business ventures.
I have learned to hone the lens of my worldview.

Lisa
5 years 27 days ago
Love the creepy pic, ha ha- Happy Birthday! Your newsletter has been invaluable to me in the reminders to stay positive and be proactive. After some major life changes this last year it’s like I’m out of the starting gates again. I have studied the gist of what you teach re: behavioral change for a few years now and most of what you say is right in line with what I’ve learned. So, the pep talks you send are wonderful and remind me to promote ME. You do have some seasoned readers out here and this one appreciates your stuff.… Read more »
Carol
Carol
5 years 27 days ago

Happy Birthday Ramit!
You’ve helped me to become an active participant in my life instead of just letting it happen to me. Thank you, thank you, thank you!!

Stephanie
Stephanie
5 years 27 days ago

And I just reread… as far as concrete and measurable, I have lowered my interest on my credit card down to about 9% and used my side hustle of tutoring to pay down my credit card and opened a new account to earn bonus points that are allowing me to take a vacation to a beachfront location. 🙂

Sylvaine
Sylvaine
5 years 27 days ago

Happy Happy Birthday!

Thank you for coming into my existence last week. On your next birthday….. I will have tons of things to share! Have a great birthday week too!

Brandon B
Brandon B
5 years 27 days ago

Ramit,

I read your book when it first came out and it helped me setup my finances. I setup a roth IRA, credit cards and high interest savings to be all automatic. Freeing my brain for other more interesting events.

All that work ended up saving my ass when I decided to move north to be with my gf. I took me a while to find some income up there and all that automatic saving I did came through gloriously.

Thanks,

Brandon

Erica
Erica
5 years 27 days ago

I scored a paying client based on a referral from a previous client. New client thinks I’m awesome because I applied all the stuff I learned from Earn 1K.

More importantly, I worry less about negotiating, e-mailing or calling people, or doing job interviews, because I have all these wonderful scripts from IWTYTBR!

Cole Van Vlack
Cole Van Vlack
5 years 27 days ago
From your book, the greatest thing I’ve taken from that is all of the tips for improving my credit score. It was already good, but you’re right that it is probably THE biggest thing that will help my finances in the short and long term other than investing. The nice thing about those tip is I’ve been able to convince who cringe when they here people talk about investments that at least their credit score is something that will have a huge impact on their finances and they don’t have to do a tonne of research. This will make the… Read more »
Jessica
Jessica
5 years 27 days ago
Happy Birthday, Ramit! My husband forwarded me your blog about two months ago right after we moved out of our pricey townhouse rental and back into a house my inlaws own and my brother-in-law lives in (married with a roommate, not ideal) with the goal of paying off our credit card debt and getting ahead financially. I loved your blog and went to the library to check out your book (I got wait listed for a few days – that’s how I KNEW it was a good one). I read the book in a day and when I returned it… Read more »
Charlie
Charlie
5 years 27 days ago

Happy Birthday! Your automatic payment/savings plan introduced me to online money management that I’ve been finetuning since last year! Many, many thanks! Enjoy your special day!

Ken Fees
Ken Fees
5 years 27 days ago

Ramit; Happy Birthday! Hope you’re spending it having a great time, and I know you’re going to get exactly what you wish for today. You deserve it.

Thank you for helping me to realize that the world isn’t ending tomorrow, and every thing I do today to prepare for my future is worth the effort. You’ve helped me to automate my finances, using my bank accounts to accomplish this.

Oh, yeah, I’m 55 years old. Thanks again, Ramit. You are really making a difference for many people. I give your book away to my friends, and recommend it to everyone.

Leilani
Leilani
5 years 27 days ago

Happy Birthday man! Thanks for your many emails. You’ve taught me to be persistent, to follow up like mad and if there’s something I want then to go after it like crazy because the buck stops here. Thanks again and have a great year – Your Best Year Ever! -leilani patel

Nuzum
Nuzum
5 years 27 days ago
Ramit, you complete me! Happy birthday man, keep this rolling it is helpful. Reading with Ramit, it has helped me establish a spending pattern that has saved me much heartache and frustration. I used to do the debit card until I had no cash, just put it all on there and worry about the rest later, I make enough so I could spend as I chose. The only downside, I never really got out of the day to day habits. Spendign all my money on trinkets, games, food, beverages and saving for retirement left me with no cash for having… Read more »
Helena
Helena
5 years 27 days ago

Happy B-day Ramit! I wish you all the besssst!

I’ve got raise on my job. Yuuuhuuu!

All best,
H.

Mica
Mica
5 years 27 days ago
Your blog and emails have been instrumental in helping me acknowledge and identify fears. I’ve been so afraid to make mistakes that, rather than learning from the mistakes I do make, I justify them in some twisted way to make it look like I might know what I’m doing. You gave me the idea to diversify my income streams, and this weekend I kick off my first venture in that regard (of course, this week has been the biggest battle with fears ever as old programming keeps coming back up to interfere with my course). Thank you! And happy birthday!
Teamgallimore
Teamgallimore
5 years 27 days ago
Happy Birthday Rammit!! You have done two things,specifically, for us this year: 1- you helped us organize our finances into an automatic system that has taken a significant load off of our shoulders, money now going where it is suppose to, and much more peace of mind that we are meeting our financial objectives. 2- your style of writing/communication has removed the stick from my wife’s butt about reading financial books/info…you’re cadid style matches us to a “T”… You inform without drolling on and on…in other words …YOU DON’T SUCK!!! Thanks for that Ramit. Congratulations on your birthday, and continued… Read more »
James C.
James C.
5 years 27 days ago

I found your site while randomly surfing the web one day. Your approach has been a breath of fresh air to me. Since then I have overcome my fear of autopay, and have an idea of the business I want to start.

I guess you can say that I have already started my business, but I have no outside clients, yet. Right now I am experimenting on friends and family.

Cesar Lopez
5 years 27 days ago

Hi Ramit! Happy birthday, man! IWT helped me sort out which idea is the most promising one for making money on the side. I did the exercises among many ideas I have and found out graphic & web design services were the most promising. Even though I got other projects going, I’m focusing on creating a portfolio to open soon my design company. Other things that helped me are the exercises on just doing stuff, and then adjusting. Credits have to be shared with T. Ferriss whose first book opened my eyes to businesses online. Have a good one!

Mario
5 years 27 days ago

For me the most important thing has been to understand and embrace the concept of conscious spending; that being frugal doesn’t mean to give up the things that are important to you. Once I have met my financial goals for the month, I spend guilt-free on the three things that are important to me: experiences (like travel), eating out, and education.

Thanks Ramit. Have a great birthday!

Sunny
Sunny
5 years 27 days ago
Ramit, i am thankful to you for sharing a useful strategy which enables me now to understand what my CLIENTS NEED. I am in the process of talking with potential clients and they are more responsive to me now that i try to narrow down to THEIR NEEDS instead of focusing on what i THINK of as their needs. Thanks Man! I thought i’d share this when i crack the first deal but since its your birthday i thought you do deserve to hear the change your advice has brought about in my behavior (even if it is minor as… Read more »
James C.
James C.
5 years 27 days ago

I forgot to say HAPPY BIRTHDAY!!!!

(I can be a little self-centered sometimes)

Josh
Josh
5 years 27 days ago
Happy Birthday Ramit! I bought your book about a year and a half ago, and this year I used your book and blog’s advice about negotiating salary at a new job. I was worried that my new employer would laugh at me trying to negotiate for more money since I graduated just three years ago and hence don’t have a ton of experience. I managed to get 5k above the initial offer and was thrilled! More importantly, my new job is closer to my idea of a dream job. I also used your book to start making automatic non-retirement investments… Read more »
Thomas
Thomas
5 years 27 days ago

Ramit,

I have been considering a new business for over 2 years. I had been making plans, starting, reworking, restarting… I was recently on one of your webinars and you said something that changed my outlook….

“Perfection is for losers” I realized my issue was seeking perfection and not just making a plan and getting out and making it happen. I wrote the quote on my whiteboard and look at it everyday as a reminder to keep moving.

Lola
Lola
5 years 27 days ago

Happy Birthday! I loved your negotiation video for women! It is so hard for us and that was a goldmine! Thank you.

Vivek
Vivek
5 years 27 days ago

Structure
Structure
Structure
Structure
Structure
Structure
Structure

Roxanna
Roxanna
5 years 27 days ago

Happy Birthday!

I tested my assumption that I could never get hired as an attorney to a big law firm through on-line ad postings because I had never gotten a response in the past. As it turned out, it took less than 2 weeks and I’ve been hired to a top 100 firm. My first day is next week and the pay increase is huge. I’m so excited and happy!

Meli
Meli
5 years 27 days ago
HAPPY BIRTHDAY!! I joined your e-mailing list quite late (or it’s never too late to join the mailing list of awesome?) so most of the strategies you speak of I have already implemented and am on the financial freedom track. Reading your emails/blog posts/etc… have made me feel I am not alone in the climb to the top. The only thing that would help (more) is if you had a Canadian version of you! I really really want the bank that pays me back for ATM/ABM usage and haven’t been able to find that in Canada. Thank you for your… Read more »
Caitlin
Caitlin
5 years 27 days ago
Ramit, I usually have hundreds of ideas zipping through my head at once, and your material has helped me quiet the thoughts and focus on one thing at a time. You’ve given me clarity, and for that, I am very thankful. I already have my own small business and your material has helped me push myself even farther and fine tune my strategies. Back in February, I watched your video on how to write a proposal using your problem/solution format. That strategy helped me land my biggest client yet with a hefty retainer/bonus compensation plan. Thank you for all that… Read more »
SoCalB
SoCalB
5 years 27 days ago
Hey Ramit! Happy Birthday! I signed up for your original Earn 1K course and it really helped me focus my job search and land more interviews in the salary range that I want. I also used the psychology pieces to lose weight. I know these are nontraditional uses for the course, but that’s because your material is the most effective I’ve come across. The course is really incredible and it’s very true that the barriers are the ones you create for yourself. However, once you practice doing the exercises, the things that you are nervous doing become easier. Thank you… Read more »
Bevin
Bevin
5 years 27 days ago

Happy Birthday!
As a preface, I haven’t taken your 1k course. I have bought your book and follow your posts/newsletter. But I’ve learned a lot and done the one of the most important things.

I STARTED!

Thank you and many happy returns.

Oz
5 years 27 days ago

Happy Birthday! I bought your book randomly at Barnes & Nobles. With your website and books I’ve been able to be knowledgeable on reducing all my interest rates on my cards, consolidated all of them and automated. Now ready to do more. Your not only educating me, but now I can educated my circle. I am in Advertising industry, but your stuff is real. Let me know if I could help you.

Ishita
5 years 27 days ago
The biggest lesson Earn1K taught me is how to overcome a psychological barrier that’s stopped me from achieving my goals for a long time: It showed me how to overcome the mental and physical inertia of just starting. Since I want everything to be perfect all the time and have every detail in place, often times I’m too overwhelmed to start in the first place. Or I start and don’t finish. Earn1K focused on establishing a new mindset of starting and being persistent – continuing my good habit instead of retreating and not doing anything because there’s too much to… Read more »
Vinayak
Vinayak
5 years 27 days ago

Hi RS, I have being reading your blog from quite some time now, I didn’t use much of your material to be frank but i can honestly tell you that you have excellent goal of making people free as i also want to be free or not working for money one day as this seem bit difficult in India specially here. I can say happy birthday and keep up the Good work Good soul.

dyaus
dyaus
5 years 27 days ago

Happy Birthday,

I finally started to put money into IRA this year. I also opened the account at Charles Schawb because they don’t charge any ATM fee. I do go overseas a lot so no ATM fee in any foreign ATM helps out compares to other major US bank.

Nik
Nik
5 years 27 days ago
Happy Birthday, Ramit! Here’s what I’ve acted on: 1) Set up a second retirement plan (am not based in the US and after years of dithering about whether or not to set up a local plan, I did so). 2) “Automated” my savings. I use ” ” because I am a freelancer with very irregular income, but committed to putting away a 10% of each payment that comes in. I knew all along that I should be doing this but wasn’t consistent. Now it is non-negotiable. I also shift a small designated sum to a savings account each month, whether… Read more »
Jim E.
Jim E.
5 years 27 days ago
Happy Birthday Ramit! Enjoy the last time you get to be a 20something. Wanted to thank you again for your invisible scripts concept/posts. This has been an amazing revelation for my wife and myself in our personal and professional lives. We now use this idea consciously when negotiating or directing folks below us and it helps to clarify what is being unsaid in any argument or negotiation. Specifically we started hosting international college students as our get off our butts and do it item. We earn money, get to have first hand interaction with other cultures and their version of… Read more »
Liz
Liz
5 years 27 days ago
Reading your site and your book has helped me immensely with my negotiation skills. For example- I managed to make almost twice on a freelance job what a close friend of mine who’d done similar work for the same job suggested my client would be willing to pay. Then a couple weeks later I was able to negotiate my hourly rate at another job to be 200% of the number the client was initially suggesting- partly by knowing exactly what range would work for me and partly through the use of your briefcase technique. Reminding myself to stay in my… Read more »
Robin
5 years 27 days ago

Overcoming psychological barriers–you’re good at teaching people that Ramit! I loved your “briefcase technique” and lots of other strategies for getting your own and clients’ minds set to better profits.

Kathleen
5 years 27 days ago

Best Wishes for a very Happy Birthday, Ramit!

Your money flow chart in your book helped me to get better organized as to making paying my bills more automatic and seamless, as well as transfers from my checking to savings accounts.

Thank you for the opportunity to share, and enjoy your special day!

Jaclyn
5 years 27 days ago

You website has helped me come face to face with my true passion as well as strategies, insight, and different ways of thinking to making my dream slowly become more of a reality. Thank you, and Happy Birthday!

Lizzie
Lizzie
5 years 27 days ago

Happy birthday! I just bought the car of my dreams, which I had been stalking for 3 years. Ever since I knew that I would buy the car *eventually*, I automated the approximate monthly payment into my “Car Fund” ING account which was an idea I got from you. I was able to pay for half of the car in cash using that money; and I won’t miss the monthly payment for the rest because I am used to that money disappearing from my checking account anyway.

Kate
Kate
5 years 27 days ago

Happy birthday, Ramit. I’m a PhD student making almost no money. Using your book as a guide, I closed my account with Chase bank and said goodbye forever to their sneaky, dirty fees 2 years ago. I signed up for an account with Charles Schwab and have been investing an embarrassingly small amount of money with every pay check. Since then, my Roth IRA has climbed into the thousands. This year I made a few hundred dollars on my retirement investments alone without doing ANYTHING. Thanks, Ramit!

Will
Will
5 years 27 days ago
In the last year, I have used advice from I Willl Teach to get a better credit card, set up a Roth IRA, and set up ING subaccounts for my savings goals. I have almost all of it automated, so the balances are increasing really rapidly. I also joined Earn1K, and I have doubled my tutoring rates and earned $1800 in the last few months. Also, using the advice in Earn1K about writing an effective proposal, I landed a long term commitment for tutoring worth about $3000. This same client asked me to “give them a deal” for signing up… Read more »
Horace Cavalero
Horace Cavalero
5 years 27 days ago

I only have one question for you and I would love if you could answer it . Here it goes” tell me at 29 are YOU rich yourself ? If not , What are your qualifications to teach others how to be rich ? Please consider these questions simply as an enquiry and an act of curiosity.

Thanks
Horace

Phyllis
Phyllis
5 years 27 days ago

Happy Birthday, Ramit. In a few short weeks, I will celebrate my 60th. I enjoy reading your emails – you make me smile – and try very hard to get my nieces and nephews interested, involved, motivated. I have given your book to 3 of them. My spouse and I live debt-free, pay cash for large acquisitions, have IRAs, portfolios, mutuals, bonds and savings. We travel when we like and both of us work at our chosen professions. Life is good. Thanks for your inspiration and encouragement.

Joel
Joel
5 years 27 days ago
Bottom of the page on every email you get, Mary. Just click the link 3 times and repeat…”I’m only a gnome, I’m only a gnome…” BTW…it’s still considered rude not to, at least, acknowledge someone for the help they provided you…in other words…Ramit didn’t sign you up to get his emails, you did….so a TY and maybe Happy BD might be in order, unless you are a communist, in which case you probably feel as though you contributed as much as he did to his website, and then in which case, you should have known about the link at the… Read more »
Joel
Joel
5 years 27 days ago

Guess they removed her post…may as well remove this one then….lol.

Sean D.
Sean D.
5 years 27 days ago

Happy birthday Ramit!! I remember 29 (vaguely)… IWT has taught me, first and foremost, how to automate my finances. This has been an incredible time saver and helped get my ass out of a few jams, where I would have forgotten to make a payment on a bill.

Keith
Keith
5 years 27 days ago

Happy birthday ramit
I will teach you to be rich is a great book I have learn a lot it help me get to a 100.00 dollars the first week . Thanks again

Marilyn
Marilyn
5 years 27 days ago
I automated as much as possible. And I dove into a new business, which isn’t making money yet, but will be next year. It’s chickens, as soon as more eggs hatch I’m in the money! I also automated simple things (all my bills and savings!), like putting smart powerstrips on all my electronics which saves me 20 bucks a month in electricity, that means a yearly savings of 240 dollars. I knocked my credit card debt down from 15, 000 to 3,000. I also got a side babysitting job to help counteract feed costs while the chickens grow up to… Read more »
Keerthy
Keerthy
5 years 27 days ago

Your pearls of wisdom are a huge blessing in thinking out of the box, managing finances and negotiating life’s challenges!
Thank you for being a great guy and Happy Birthday!

Jeff
Jeff
5 years 26 days ago

I was offered a freelance writing opportunity. I was surprised since I didn’t have much writing experience and had just launched my blog a few months prior. They offered me $20 a post, which I was fine with taking just for the exposure. But I figured, what the heck, counter with $30. Sure enough, I got it.

I know it’s a small victory, but this is something that I might not have done before learning about negotiating on IWTYTBR. I definitely plan to scale up my negotiating skills from here. Thanks, Ramit, and happy bday!

Justine
Justine
5 years 26 days ago

You helped me go from $0 in savings to $1000. Also got me to automate my investing. Now $200 a month goes to Sharebuilder into index funds. Thanks for kicking ass!

r
r
5 years 26 days ago

I asked out a guy yesterday. He said no. I feel shitty but not that shitty because I know I “failed”. And I don’t consider failures to be bad things anymore. I’m still deciding if yesterday was a good or a bad day.

Erin
Erin
5 years 26 days ago

In the last 6 months, I paid off over $5k in credit card debt and automated all my payments. My credit score has gone up by 30 points into the next bracket! I also took your advice with the Charles Schwab and Starwood accounts and am excited to see them start to save me $ and reap the rewards. Next step is to get more $ into my savings and retirements accounts. And you also make me laugh, which is MUCH appreciated when reading about finances!

Erin
Erin
5 years 26 days ago

And also… Happy Birthday!! Not bad for a year’s work!

DONNA
DONNA
5 years 26 days ago

Hi Ramir, I am older and have been under the weather, but i am so happy to get all the information, that you share with all of us. I will will get better and i will be back out there, HAPPY BIRTHDAY, RAMIT, You make me happy, Donna

William Byrd
5 years 26 days ago
This year I had two huge wins using tactics I learned at IWTYTBR. 1 – I negotiated an 11% raise at work using your negotiation advice which is worth it’s weight in gold. I was able to completely reverse my boss’s original decision and then convince her to give me 11% instead of 6%. 2 – I negotiated 8k off of the sticker price of a new car just two months ago and was able to walk away with another 2k worth of freebies on the way out using the same negotiation advice. Before I started trying to dig myself… Read more »
Linnie
Linnie
5 years 26 days ago

I automated our mortgage payments online. At first I was nervous that I’d make a mistake, but now it’s such a glorious little piece of mind to never have to worry if I sent it off on time. I also set it up to pay extra on the principal. It feels like such an easy way to save years of payments and thousands of dollars. Now I’m working on facing the fears you talked about. Thank you!

Lisa
Lisa
5 years 26 days ago

It’s a beautiful day, I love June 30th. It’s your birthday and it’s my birthday, too! Let’s celebrate. I’m turning 21, (Ha, Ha). OK, 30 something.
You’ve helped me a lot. I ‘m looking forward to meeting you in person soon.

Meg
5 years 26 days ago
Thanks to you, Ramit, when my cable/Internet bill went up I didn’t just pout about paying more — I did something about it. As soon as I got that first bill I contacted my provider and got it lowered. Should save me about $75/month for the next six months. (And then I do it again.) I also refuse to feel guilty like most money blogs say I should over buying the new car that my husband and I did. It wasn’t some crazy good deal, it is part of our conscious spending. We save elsewhere to be able to spend… Read more »
Bella
Bella
5 years 26 days ago

Happy Birthday!!

Thanks for all of your tips.

I have automated my finances and have saved 4,000 besides my retirement and stocks.
I also applied to airlines credit cards and have travel for free almost 4 times now. I never knew the credit cards also cover towing services!!
Thanks!!

Heather Ross
Heather Ross
5 years 26 days ago
Happy Birthday, Ramit! I am a full-time Mother-at-Home, who is making money on the side, as a Career coach. Your question, +What are you doing for free that people would pay you to do?” really got me thinking. First, I thought, “I love to talk and listen to people. Without a masters degree, no one would pay me to do that.” Then, I thought a bit more. ” What do I love to do in my free time? Help people think through their small business problems, and work through career transitions.” Hey, peopel PAY for that!!!!! So, I handle one… Read more »
amy
5 years 26 days ago
Happy birthday! I turn 41 next week, and I’m wishing for a paper shredder, Hello Kitty knee socks, and unused wrapping paper. Since I started getting your e-mails and reading your blog, I have gotten a new job with a 45% pay increase, automated my finances, and found a better way to think about money overall. And it’s hard to quantify, but I really appreciate your ability to complain in a funny way, without whining and while showing you really get it and thus are worth listening to. I’d guess that’s worth about $23 a day to me, on average–more… Read more »
marco tulio corona
5 years 26 days ago
Ramit: Feliz cumpleaños compadre! Happy Birthday dude! This year at last I have started an alternate money income, ARCADES, yes arcade machines like the usual in 90’s, they are still very popular in Latin America, its an aditional money for me, about 20% of my normal salary at the office, but I only work 5% the time in comparision to the office. Here at México we are living hard times, a lot of crimes and extortion, a government that make us the things dificult about starting a new bussines. And all of this reflects in economy. But life goes on… Read more »
Rico
Rico
5 years 26 days ago
Happy Birthday Ramit! Yes, that is a really creepy pic! Hahahahaha I want to thank you for teaching me the concept of spending my money on the things that I really need and want and cut mercilessly on the things that I don’t care about as much. That was a habit that was drilling holes on my wallet during my entire life. I have also performed exercises to find my strengths and skills in order to turn them into freelancing ideas. I’m a native Spanish speaker and I have never performed translation services. After taking a few tests, I found… Read more »
Ryan
Ryan
5 years 26 days ago

Thanks to I Will Teach You To Be Rich I have formulated a plan to earn income on the side that will (hopefully) lead to early retirement where I will be able to do my side gig full time. You’ve also helped me switch jobs (and get more money) and put a plan into place that will pay off my debt. Next up for me: automating my finances! Thanks Ramit, and Happy Birthday!

A mcelravy
A mcelravy
5 years 26 days ago
Dear ramit, Many happy returns! I am a widow and was overwhelmed about money specifics as well as general stuff. So many things I read were unclear or made no practical difference. I love how clear you are and real world applicable. (and you don’t make me feel guilty about the coffee shop! ) your book has helped me with credit cards choice what are the best account choices (so helpful) I really like the format of specific do this and I was able to DO it and move to next thing. Also got my college age son and adult… Read more »
Nikhil
5 years 26 days ago

hi i am a btech student from India, before i started reading ur articles i had simple goals like get a good job and live a comfortable life, but u have showed me that there is a lot more to do than just siting and doing ur own work.
i love ur work and i am greatly inspired by it.
i havent earned a penny yet but il am confident that i will very soon succeed

Jessie Lee
5 years 26 days ago

Thank you for getting my boyfriend out of nearly $10,000 in debt, showing me the benefits of maxing out a Roth IRA and a 401k as young as possible (22), helping me to decide to continue renting, and also for showing me ING Direct.

Happy Birthday 🙂

Adam LaRue
Adam LaRue
5 years 26 days ago

IWT has helped me automate my savings/investing and I am now investing 10% of my income for retirement automatically, as well as automatically transferring funds into my sub-savings accounts each month. I’ve also been able to rack up some useful rewards by using a credit card for the majority of my spending and paying it off every month.

I also got my first paying client so that I can get paid for my work on the side! Your book/emails/tweets rock!

Anthony StClair
5 years 26 days ago
Happy birthday Ramit! May it be an awesome year for you. There are so many things you’ve helped with… * Your book provided both validation of things we were already doing (such as multiple savings accounts), and has helped me with negotiation tactics. * We’re getting our house’s exterior painted this summer, and got $300 lopped off just by some simple Q&A. * You helped me find the courage to leave my job. Though, leaving wasn’t my intent; the intent was to make some changes in my working arrangement. The negotiations made it clear I wasn’t valued, and instead of… Read more »
cadiz
5 years 26 days ago

Last year, I pretty much took a bath on selling my condo, but am very grateful to have finally sold it. My fiance and I had started an ING savings account, automated our finances, and come September, we will be able to pay for a good amount of our (Indian) wedding in cash. We’ve also automated our finances and have a plan to pay off what we will owe relatively quickly.

Thanks, Ramit. I hope you have a wonderful birthday.

Dave
Dave
5 years 26 days ago
Used the briefcase technique to negotiate an amazing new position at my current job. I was tired of my particular job (mechanical engineer in defense industry) and I knew the program lead for the newest R&D effort was drowning in work. I approached him and offered some concrete solutions to how I could help him reduce his workload. Two days later he approached me to work for him full time as the lead on a particular effort within the project. By really getting into his head I knew exactly what his struggles were and offered specific solutions. I then used… Read more »
Joe
Joe
5 years 26 days ago

Ramit,
One thing I have learned from IWTYTBR is the power of automation in finance.
All of my insurance plans and savings plans are now setup on automated schedules. I’m never late paying my insurance accounts and my bank cut me a few bucks on each bill for setting up the automated payments.
And since I’m feeling generous on your birthday, for a bonus:
I used automation and ING sub-accounts for my savings plans so things like textbooks, auto repairs, christmas/birthday stuff and doctor’s visits won’t end up on a credit card.

Happy Birthday!

Belinda
Belinda
5 years 26 days ago

I read your book in December of 2010 and went ahead and automated my savings account and began saving money automatically. Fast forward 6 months and I now have more money saved in my account than I ‘ve ever had. It was so easy too. It’s done every month without my having to think about it, and I don’t ever really even think about it being in there until I get an email from the bank reminding me that I have this savings account with money in it now. I love it. 🙂

Thank you, and Happy Birthday!

Chibi
Chibi
5 years 26 days ago
IWT confirms my beliefs over the past several years. I believed in spending on quality rather than cost, for example I would rather get one expensive item that lasts long than several poor quality items that aren’t great. (My family scolds me for that). For example, I bought a $200 Ann Taylor suit jacket rather than the $80 ones from stores such as Express. There was a huge difference in feel. The Ann Taylor one was soft and flexible whereas the majority of other store’s suit jackets were stiff and uncomfortable. Several weeks before I stumbled upon IWT, TCF Bank… Read more »
judi s.
judi s.
5 years 26 days ago

i created a local news product that was launched on two media platforms at the same time; this week i sold my first advertising sponsor and i started working with a counselor at the local small business center.
i began studying an audio series on sales strategies and set a goal for the end of the year about how much money i will make through advertising sales for my product.
i also signed up to work with a small business counselor at the local college

Jesse
5 years 26 days ago

Definitely the number one thing that’s helped me is the automation of my finances. I have ING, everything is setup automatically. I use Mint.com. I only need to check my accounts a few times a month to ensure I’m on budget. Amazing advice, simple to implement, and even more simple to live with. One it’s set up, it’s, well, automatic.

Terrie
Terrie
5 years 26 days ago

Two words: Fail fast. Thanks for the wisdom, Ramit! Many happy returns!

Nate
Nate
5 years 26 days ago

Sitting down and putting together my conscious spending plan was one of the most empowering financial things I’ve done. Previously, I was doing a pretty good job of saving, budgeting, etc., but there was always a nagging worry that I’d forget something or that it might not be the best idea for me to spend money on this or that. Now, I’ve saved automatically for a wedding and a car, and I don’t stress over spending my “guilt free” dollars. Next step: improving and automating my investments.

Jen
Jen
5 years 26 days ago

One thing that your emails have helped me with is by giving me great specific advice and laying a clear setup for which credit card and personal bank account you think is best. Testing your assumptions also comes in a close second.

Thank you so much Ramit, and Happy Birthday!

Jonathan Vaudreuil
5 years 26 days ago
Earn1K helped me find my first longer-term paying freelance client. That’s not the big win, though. The big win is that because I was able to land work like this, I had more leverage negotiating. I knew I could stand firm on my price, certain terms, and the kind of work I wanted to do. Eventually it led to me talking with a company about a management position, where I knew I had the option of continuing to grow my freelance work or take the position – but only if the terms made sense for me. I had the confidence… Read more »
James
James
5 years 26 days ago

I was able to negotiate a 15% increase in my base salary and incentive comp using your negotiation advice and the briefcase technique. I also signed up for your favorite credit card. Thanks and keep the advice and motivation coming.

Nicole
Nicole
5 years 26 days ago

I’ve learned to be WAY more specific in choosing a niche. I also feel inspired and motivated to pursue my idea strategically rather than leaving it to chance.

Kellie
5 years 26 days ago

Hi, Ramit,

Happy birthday! I’ve been a subscriber since before your book came out. I have used several of your tips (like contacting credit companies and my satellite company to get rates reduced as well as separating my savings into dedicated sub-savings for different things). I purchased the book when it came out because I like the way you think. I’ve also purchased additional copies for recent high school grads, etc., hoping to give them a chance to learn how to best handle their finances.

Jake
Jake
5 years 26 days ago

Started keeping track of my interactions with credit card companies and that really helped me negotiate a higher limit on a few of them.

d.n.
d.n.
5 years 26 days ago
Just reading your stuff has moved me from being a terrible negotiator to being a somewhat sub-par negotiator. Like most Midwestern kids I was too polite to ask or negotiate for anything. I have been earning 1-2k / year freelancing as a programmer since before finding your site. When the time to talk about money came around there would be this awkward moment where I would ask what they thought or offer them a low-ball number. Since reading your blog and email messages I have done two specific things to improve my negotiating game : (1) I found out what… Read more »
adrian
adrian
5 years 26 days ago

Automated my finances and began backpackign the world

Renee
Renee
5 years 26 days ago

Your emails have given me so much information to use and has given me the confidence to go and DO something with the information instead of just collecting it in my head and letting it sit there. I have gained great bank account information that I am currently using and I am working on a business plan as well so that I can DO something with it as soon as its ready such as make a business proposal to the right people. Thanks so much Ramit, you rock! ^_^

Jo-z Schwartz
Jo-z Schwartz
5 years 26 days ago
Ramit—via his book, online material, and personal e-mail responses—taught me just about everything I know about finances. Because of him, I was able to learn about finances and the psychology of money management, which has taught me how to help my friends and family. Specifically, because of Ramit and IWTYTBR, both my best friend and I have had a Roth IRA since we were 19 (we’re now 23). Also because of Ramit, I talked to my HR rep and was able to get into the 401K program as an hourly employee (which normally isn’t allowed). Those are probably the most… Read more »
Chris Hugh
5 years 26 days ago

Your words encourage me. Literally. You’re like an infusion of courage. I have an Etsy shop, chrishugh.etsy.com, and I’m having fun earning extra money on top of what I make at my regular job. Thanks for the great example of youth, energy and innovation.

Katie
5 years 26 days ago
Happy birthday, Ramit! Mine is on Saturday. 🙂 I did Earn1K in the hopes of starting a freelance photo retouching business. While that is still in the works, and I did get $240 worth of work from it last year, I used the wisdom of E1K in an interview for a better 9-5 job this year, stressing in the interview what I could do for the COMPANY to make the team’s day-to-day easier, rather than focusing solely on my strengths and what I was looking for. Ramit, I got the job the day of my second interview, with a no-questions-asked… Read more »
Laura in Cancun
Laura in Cancun
5 years 26 days ago

Happy birthday! I haven’t been reading long and I’ve never commented, but I read about treating people to lunch on here awhile back.

Just being more social at my local Starbucks has gotten me a small freelance writing gig.

I also recently landed a new side job (through my blog) working with a lot of important people. You can bet I’ll be paying for a few lunches in the next few months!

Shri BAD
Shri BAD
5 years 26 days ago

Ramit, your words of wisdom have made me basically get off my ass and get things done. I have a private client now and also do more workshops/classes in my field. I didn’t have to take your course but you have provided me with the best resource ever to make it happen…the motivation and encouragement to GET OFF YOUR ASS!!

Now get off your ass and make sure you have the best birthday ever!

Tina
5 years 26 days ago

I’ve been trying to start a freelance paralegal service and used one of your e-mail scripts from the free earn1k material to contact a couple of attorneys. They responded positively and it lead to a couple of projects with possible ongoing work in the future.

Over the last couple of years, I’ve also used the tactics you’ve shared in IWTYTBR and in your book to get rid of an overdraft charge once in a while, negotiate my cable and internet bill and find discounts on stuff I enjoy.

Thanks for everything Ramit and Happy Birthday!

Adam
Adam
5 years 26 days ago

Happy Birthday!

You’ve really made me a conscious spender. I don’t have a lot to work with, so what i do with my money is important. You made me realize that i didn’t need a lot of what i had AND that i don’t have to pay 9 dollars a month for a checking account when i could pay nothing at a better bank.

Thanks for everything, this is my first shot at acting appropriate with my finances and i appreciate your help. I can already see the difference!

Julie Angarone
Julie Angarone
5 years 26 days ago
I learned that Money Market accounts are no better than savings accounts and that a life cycle fund is a good place to get started when I don’t have a clue…I moved money from my money markets into index funds and life cycle funds….waiting to see some results- I just did it this month. I bought your book at the same time that I got Dave Ramsey’s Total Money Makeover from the library – he advocates getting rid of the credit card whereas you advocate taking advantages of the rewards – I have always paid my credit card off every… Read more »
Julie Angarone
Julie Angarone
5 years 26 days ago

oh – and I also have started using Mint.com – again – I’m just one month into it- but it is nice seeing all my money in one place.

Maria Snider
Maria Snider
5 years 26 days ago
HBD Ramit! You are only 29 and you grab the bull by the horns and shake the hell out of it! Love your hustle! You inspired me to step outside my comfort zone and ask for what I deserve at work. I explained my needs, told them it was necessary to my survival for me to get the promotion they kept dangling in front of me immediately or I had somewhere else to be. It worked. Took assistant managers position within a week. It is a temporary fix, but I am working on putting my own plans in motion as… Read more »
Ilan
5 years 26 days ago

There have been days that I would check my finances online twice a day–worrying, trying to get my money all in the right places at the right times, not knowing how much was coming in or going out. Having read I Will teach you to be rich the most valuable lesson for me was automating my finances, at this point I’m able to check on my accounts once, maybe twice per month, without worrying.

Happy birthday Ramit and thank you for sharing your wisdom with us.

Rebekah
Rebekah
5 years 26 days ago

Although I am in school right now, reading your blog has helped me keep up the motivation to sock away money into savings every month, at least what I can from the earnings I make at my crappy job. Also I finally got a credit card again and have been charging one thing to it monthly and paying it off each month in order to rebuild my credit. Thanks!

Rachel E
Rachel E
5 years 26 days ago
(Starting point: payments already automated, savings automated, significant savings on the side, no credit card debt) * Moved my savings from a 0% to an investment professional * faced our true financial reality: every month we are spending more than we earn, and as a result we take from our savings (different than credit card debt, but still….) * Simplified some aspects of our monthly budget, so our real state is clear. For the past 2 months we are not spending beyond our income. * Fired the housekeeper who was doing a pretty bad job for a very nice part… Read more »
Tom
5 years 26 days ago

Mate, you are a genius. I didn’t do your program but from this post alone I’ve learrned that you can use basic knowledge of human psychology to get people to create value by giving you a gift that you can use for your marketing, and to refine your product.

james lee
james lee
5 years 26 days ago
Happy bday dude, hope you’re reading this on sat. after recovering from a hangover the last two days. One thing i remember from your talks and posts is the story about how you hired the interior designer for your ny apt. It was a great example of not only professionalism but being a hustler to win business. I recalled the story during a recent convo with a buddy at a startup who’s been learning a ton about biz dev from the founder — one example he shared was how he never contacts potential clients and partners with just an email,… Read more »
Steph
Steph
5 years 26 days ago
Happy Birthday Ramit! You actually came into my life twice – both times through the New York Times. The first was a story about your book, which I read last year, along with excepts of your book. It was very rewarding to read that we were already doing so many of the things you recommended in terms of organizing our finances, and we picked up a few additional great tips along the way. The second time was a recent post of yours in the NYT, explaining how earning a side income can do more to advance your finances than being… Read more »
Sheelah
Sheelah
5 years 26 days ago

Happy Birthday, Ramit! I already had all your favorite accounts. Per your book, I set up all my transactions at the beginning of the month. From your simple conscious spending plan, I’ve realized that I can allocate $2055 per month toward my student loans without making a single change to my lifestyle. I will shave 22 years off my payment plan and pay less than $5K in interest. Most importantly, you’ve really made me laugh. You rock!

Lee
Lee
5 years 26 days ago
Luv the picture. Congratulations on your 29th birthday! I have been really good at not getting myself in nasty debt/financial messes. Even before reading your blog I used to already save, invest, have most of my finances automate and managed my finances. However, I used to save for the sake of accumulating “wealth” (or having money sitting in my accounts just in case I needed it). I had no motivation to invest beyond maxing my roth IRA or to save beyond 10% of my income until had sifficient money to cover a few months of my expenses in an emergency… Read more »
Kelvin
Kelvin
5 years 26 days ago

I overcame multiple rejections and months of delays and finally got an app published. It’s generating a small amount of income, but I will talk to customers, refine, and increase my returns.

Sue
Sue
5 years 26 days ago
I’ve spent a year lurking on your mailing list. Dropped out of corporate America 5 yrs ago to nurse my sister-in-law to her death (renal cancer), my mother-in-law to her death (heart failure), and now my mother as she transitions to nursing home due to strokes in her brain. Lurking because I have so little in common with the audience you target. My ‘job’ now is caring for family; which doesn’t generate pay. I read your info and I wonder if there will ever be time for me again. I’m rural, middle-aged, with dial-up internet. The antithesis of your 20/30… Read more »
Brian
Brian
5 years 26 days ago

Happy Birthday!

I paid off my credit cards, opened a Roth IRA, and switched on my rewards for one of the credit cards and have begun to use it for regular spending and paying it off every month.

Chris Cloud
Chris Cloud
5 years 26 days ago

I have now put all my bills on my banks auto pay. It is saving me time and best of all no more late fees!

Chris Clark
5 years 26 days ago
Wow! I remember you sending this e-mail last year and feeling like complete shit because I had nothing to write (despite having been a reader of your blog for over a year). Last year, I actually set a personal goal to be able to respond to this request better than any of your readers. The primary tactic I used was not from you, it was from your parents. Almost daily I remind myself: “A year from now, you’re going to be a year older. What are you going to do?” This reminder isn’t about lighting a fire under me and… Read more »
Claire
Claire
5 years 26 days ago

The Earn1K course helped me overcome my fear of freelancing. I’ve made $6,000 in three months with no end in sight. I never would have asked for the rate I did ($50/hour) without the skills to clearly communicate the benefit of my services, which I learned through this course. Also, I’ve become hyper-sensitive to picking up on psychological barriers in myself and others. I no longer tolerate all this nonsense because I realize that action is the cure for fear and insecurity. Thank you and happy birthday!

Bob
Bob
5 years 26 days ago

Thank you for everything you post and share us everything I have learn so many thing every time I read your blog, and also I forward your web for all my friend and recommend your book anyone I meet . I wish you a happy Birthday!!!
Bob

Bryoney
5 years 26 days ago
Hey Ramit, Happy birthday! I’m happy to share some of the ways your newsletter has impacted my life. For one thing, it really got me thinking that it is possible to generate multiple streams of income. I didn’t grow up in an entrepreneurial household, so most of what I saw growing up was my mom going from job to job looking for a higher pay. I knew of people who made money on the side, but I didn’t think of it as something that was possible for me. Reading your newsletter really got me to take the thought of finding… Read more »
Sean
Sean
5 years 26 days ago

I changed my behaviour so that I now automatically save more money, invest it more carefully and still have plenty to spend on the things that I care about. Oh, and by applying some of the techniques to my personal life, I managed to lose 6kg since the start of the year as well! Thanks Ramit!

Rishi
5 years 26 days ago

Hi Ramit,

Very happy birthday!

Your material on this blog helped me become a better blogger. Your ideas have helped me grow my traffic and newsletter subscribers.

Excited to learn more from you!

Rishi

Andrew
Andrew
5 years 26 days ago

I started only dating Indian men

D
D
5 years 26 days ago

I launched a side venture to develop a new product, then used that product in the “briefcase technique” when interviewing for a new job. The product itself hasn’t sold well yet, but I ultimately got four job offers, and accepted one that raised my compensation by 75%+.

jprhea
jprhea
5 years 26 days ago

helped focus on earning our way to a better life, rather than depriving ourselves and saving our way out through cutting costs. Not that we live an extravagent life, but the key is more income. That and the tips on the better checking, savings and credit card accounts.

Nathalie
Nathalie
5 years 26 days ago

I only just got started and am trawling through all the info on your site and have only just bought IWTYTBR, so nothing to report quite yet 🙂 But I did want to say Happy Birthday anyway 🙂

Sam
Sam
5 years 26 days ago

Ramit, you have helped me start off my post college life on the financial right track! You have also helped me begin to plan for things that are years and years away, but I know I’ll be ready for them when they come. Thanks for making me the most money conscious and responsible one of all my friends!

Phil
Phil
5 years 26 days ago

Hey Ramit, a very happy birthday to you my friend! I wish to thank you for all your powerful knowledge and wisdom and you willingness to share it with the rest of us! I think your ATTITUDE and GENUINE TRUE CARING for all of us puts you in a league of your own my friend!!! May you always keep that, for you are “THE MAN”. Best, Phil

Jordan Hanlon
5 years 26 days ago

IWTYTBR has really helped me from a behavioral standpoint. The advice that the book provides about automating your finances has allowed me to save and not have to worry about bills and not having enough money. Yes, I still have to save up and work for big items, but don’t have to live paycheck to paycheck. Great book and blog. I am an avid runner and blogged about Ramit, his book and how it can help runners as well.

http://welltodayi.blogspot.com/2010/06/its-never-easier-than-now.html

Keep it up Ramit and Happy Birthday!

Herman Hermit
Herman Hermit
5 years 26 days ago

Today I proudly could tell somebody that I’ve been afraid of starting my own business. Well, it looks like I will sort of start it. That somebody person has a magnificiant idea and I’m contributing. When success follows, I can feel proud.

Jason
5 years 26 days ago

Ramit,

You have taught me, above all others, to value the big wins and stop wasting time on the little things; this has helped me realize where I am being inefficient and just spinning my wheels burning energy on trivial things that won’t change my life. I guess it’s just yet another application of the 80/20 principal, but the way you demonstrated it with financial examples and the psychology behind modifying behavior makes it actionable and applicable to one’s own personal life!

By the way, Happy Birthday! You have 1 more year left in your 20s, make the most of it!

Rob
Rob
5 years 26 days ago

This ones easy. Moving from apathy to action. I used to doddle and dream a lot. Now, it’s all about moving quickly past the idea and making the plans and ideas come to life. Procrastination is no longer a part of my vocabulary.

Happy Birthday!

Anne
5 years 26 days ago
Ramit- I hope you have the happiest of birthdays, and a fantastic year! Here is a list of Ramit inspired accomplishments since I started following your work: – Needed a $1,200 car repair and actually had the money to cover it in savings (though I put it on my credit card so I could get my rewards!) – Paid off my credit cards – Got through my MBA debt free – Will be able get through my June 2012 wedding and honeymoon debt free! – This month went on a $200 shopping spree at Old Navy for FREE thanks to… Read more »
leukothea
leukothea
5 years 26 days ago
Your motivations helped me: –> Save almost $10K for myself — a change from my previous lifestyle of living paycheck-to-paycheck and bitching about why there was never any money “left over” to save at the end of the month 🙂 –> Land a better job within the same company, at a pay hike during a time when no raises were being given –> Write a short story and have it accepted for an anthology –> Find a new lifelong friend and kindred spirit, someone very valuable and dear to me, because I had the gumption to go to an intimidating… Read more »
Rachel
Rachel
5 years 26 days ago
Through your book I learned to automate all of my bills and accounts so I don’t have to worry about a thing. Normally this would just be very convenient, however I was recently diagnosed with cancer and throughout my surgery and now upcoming chemotherapy and radiation its a HUGE relief to know that my accounts will run themselves while I’m incapacitated. My parents and family don’t have to worry about a thing, except for making sure I have enough “income.” If I didn’t have this set up I don’t know what I would do right now. So thank you, and… Read more »
zachary
zachary
5 years 26 days ago

I helped my friend get a 5k job. Helped a friend save 360 dollars in the cable bill, I am on my way to starting my own freelance business. I learned a lot from the Earn 1k Course and the Beyond 1k course together when it was up.

One of the best investments I have done in my education. I’m constantly looking for opportunities to freelance work now. I’m a ways off from earning my first 1k but now am more than 2/3 closer to to that goal.

Thanks bro,
I learned quite a bit.

Austin
5 years 26 days ago

Ramit,

I loved your guest post on passive barriers. That article really got me thinking about all the barriers that are around me, not just those in my financial life. It really clicked that with really small changes you can accomplish a lot. Thanks!

coumarane
5 years 26 days ago

Hi,
I looked carefully my credit card fees and now I change my bank.
I also bargain everything I purchase.
Thanks for all these ideas

Andrew Lynch
5 years 26 days ago
You made me realise the invisible scripts that I was carrying round with me. I kept thinking “I’ll lose weight when I move back home for the summer. It will be much easier to do it then than now. Plus I’ll start on that slow-carb diet that Tim Ferriss mentions. No point doing anything before I move back home though.” I was waiting for circumstances to be perfect before taking action, without realising that taking ANY action now is better than doing nothing. So I hopped on the treadmill and started logging some miles. I’ve just done 5k for the… Read more »
B.P.
B.P.
5 years 26 days ago
I do like money. But I have a good job, and I got my savings and automation squared away before you even started this blog. I started taking you seriously when I realized you weren’t really talking about money. Instead, you’re sharing a perspective. For example, thanks largely to your posts and comments, I’ve developed a knack for recognizing excuses for not acting when I hear them. Of course, the hard part is applying this to myself. Last week I stumbled on an online service for connecting people with expert advice. I can give expert advice. But I heard myself… Read more »
Vinay
Vinay
5 years 26 days ago
Hi Ramit, Your book helped me a great deal. Being a fellow indian, I wasn’t going to spend money to make money (pshhhht, what does he know that I don’t!). Then a friend of mine told me to take his copy and read it. Halfway through I decided it was good enough to warrant support for it, and went out and bought it. The book taught me 2 important things: 1. The value of automation 2. The swensen model (1) My focus on money was a bit of a roller coaster. 3 months I’d be all over my stock portfolio,… Read more »
Taryn
Taryn
5 years 26 days ago

You have helped me to figure out how to go about “budgeting” (sorry I know you hate that word) and it is not nearly as overwhelming as I initially thought. I actually enjoy reading your book and have told lots of people about it (I came to you as a referral too).

Thanks dude, Happy Birthday.

H.P.
H.P.
5 years 26 days ago
I did everything you instructed in your book! I automated all my payments. I obtained another credit card with a credit limit of $20,000–with the main goal of improving my credit. I rolled over my Roth IRA (which was managed by a financial manager at a brick-and-mortar bank) to T. Rowe Price’s life cycle fund. I manage my finances and budget on Mint.com….and many more! Although your book’s aim was to liberate me from my financial worries, I am still very conscious about my spending and am constantly checking my spending. That is just part of my personality; I am… Read more »
Johann Belau
Johann Belau
5 years 26 days ago

You gotta be kiddin! Guess what?! It’s MY birthday too, Ramit! I bought your IWTYTBR-book a couple of months ago (your buddy Tim Ferris was referring to it somewhere in his youtube sessions). Now, I live in Germany and I’m working in a big, traditional, German company and pers. finance matters are never discussed over here. Your book has been a mind-opener. I’m now trying to figure out what the German counterpart of a Roth-IRA is. Anyway, have a nice birthday and no matter what anyone says, I’m telling you: your work was not in vain!

JM
5 years 26 days ago

Happy b-day Rameaty. IWT has taught me how easy it is to backslide and be financially undisciplined even after reading your book.

Carolyn
Carolyn
5 years 26 days ago
I have tried several of the ideas after reading Ramit’s blog and receiving two of his books as a thank you for an interview with me from one of his writers. I read the books, and then passed them along to young friends of mine. (I’m one of Ramit’s geriatric readers!! :)—53!) Anyway, as a teacher of many years, I received my Master’s Degree in November 2009 in a different field, and since then after reading or see Ramit on a tv show, I followed his advise to work part-time. I made an extra $10,000 dollars, plus got experience in… Read more »
Peter Vey
Peter Vey
5 years 26 days ago

Once in a while, I get a good laugh from what is said. Most importantly, I have a little more hope today for my financial future than I did yesterday. Thanks man.

Duane
Duane
5 years 26 days ago

Happy Birthday Ramit!

The Information you send out through emails are great reads. I’m a better negotiator when it comes to dealing with mortar banking institutions and mobile phone carriers. The sky is the limit now!

Many Thanks

Camara Randolph
5 years 26 days ago

Wow 280 comments – Happy Birthday to You!!!

I appreciate your willingness to say what needs to be said without worrying about how the message will be received (maybe you worry about it and I just don’t pick up on it). You also have a sense of humor and obviously have the ability to move and inspire people to take action. Keep up the awesome work!

Regards,

Camara

Jen
Jen
5 years 26 days ago
Even though I’m doing well for myself (currently a biglaw associate), looking at my finances and loans terrified me, in a totally irrational way. I spent a long time in the if-i-just-ignore-those-late-payment-notices-they’ll-go-away camp, which caused me a lot of guilt. But with your book I went from deliberately not knowing how much I owed on my student loans and paying my bills whenever I happened to remember them, to putting everything together in one place (thanks, mint.com!) and getting a copy of my credit report to check it out (actually, pretty decent, despite all my fears). Then I realized that… Read more »
Melissa H
Melissa H
5 years 26 days ago

Ramit, probably the single most impressionable thing I’ve learnt to date from even just your emails, has been this: “There is a limit to how much you can cut back on (or save), but NO LIMIT to how much you can earn.” This transformed my thinking!! Also, I am about to start my first “on-the-side” job teaching piano to some young girls. THANK YOU. Happy Birthday! 🙂

Amy
Amy
5 years 26 days ago
Happy Birthday!!! After completing an accredited 3 year course of study, I am starting an Interior Design business. I was intimidated because I haven’t had the opportunity to work under a master designer to learn the standard way of doing everything. I decided to take it a step at a time, and work on networking, figuring out contracts, and other things as I go. My initial financial goal became smaller due to your advice– to just focus on making the first $1000 and go from there. I have my first client now doing a paint color consultation, which should get… Read more »
Stijn
5 years 26 days ago
Dear Ramit Happy Birthday! Last year I found your book through Derek Sivers’ blog and ordered it soon after from Amazon. (I think I saw you before that in Tim Ferriss’ 4-Hour Work Week, but I’m no longer sure if it is really in the book.) By the end of last year I was putting money in some funds (the little I can spare, being a student, but something none the less). This year I closed a bank account that wasn’t of use to me anymore and switched banks (where things are free and rates are better). On Monday I… Read more »
Louis
Louis
5 years 26 days ago

Ramit, I have started rebuilding credit because of your site. I was turned down for a premium rewards credit card so I paid off some more debt and was able to qualify for a decent card the next month. Thanks for the writing. Happy Birthday!

Chris M.
Chris M.
5 years 26 days ago

Hey Ramit, Happy BDay! Make it golden and just reading the blogs have help me put my dreams into motion! Also, I started a savings and boy does it feel good to finally get a hold on this financial bull!

Alexander Guzman
5 years 26 days ago

THE most difficult thing for me to do was getting into a habit of saving/investing a specified amount of cash every single month. Goal accomplished through reading your blog!

Joyeux anniversaire from France!

-AG

Rolando
Rolando
5 years 26 days ago
Hey Ramit, First off Happy B-Day! Hey I want to thank you on helping me get my finances in order and showing ’em who the boss is. Because of your book I learned about the following enough to be comfortable with them: savings account with credit union, mutual market account, checking/brokerage account with Charles Shwab, a bunch of accounts with Ally, a Roth IRA with T. Rowe, I learned to pay my bills first and myself last, about the snowball effect, and most importantly have kicked the habit of doing everything the wrong way. Ramit, thanks a whole lot, let… Read more »
M. Miller
M. Miller
5 years 26 days ago

I am one of your older readers and so tired of hearing the same old advice about how to save money.
Its been refreshing to hear new ideas about removing barriers and automating. Thanks and Happy Birthday!

Nate
Nate
5 years 26 days ago

Ramit,

B/c of your advice and help i have automated my finances and will be 100% debt free in 3 years and have built up a healthy saving. You asked for it in numbers…..i’d say a conservative estimate would be around $450,000. Thanks Ramit! Oh, and by the way….in the “creepiest pic ever” Which one is you? Just, you know, to avoid any confusion.

Christopher Jones
Christopher Jones
5 years 26 days ago
I figured out my goals for the first time since I started in business 7 years ago, despite trying and failing to come up with anything that really hit the mark. (That sheet did the job by asking at least 80% the right questions, I filled in the other 20%. I am referring to the quiz on where would you like to be 2 years from now.) We (my wife and I) are now developing a road map to meeting these goals. Ramit, I am doing the reverse of what you suggest in a way, one step back to go… Read more »
Anne
Anne
5 years 26 days ago

Christopher-

I had never heard of SCORE before. Thanks for the tip! I already have a question in to the mentors!

Adam
5 years 26 days ago

Things I have done since starting to read your site: purchased your book, purchased Tim Ferris’ books and read 4HWW, opened a Charles Schwab checking account, applied for and got a Starwoods Amex card, automated 4 credit card payments, started a new business with the plan to automate it as much as possible (I have been persistent with the website developers about how I want to do that).

Ben
5 years 26 days ago

Your email blast earlier this year was a great example of how to hustle and how it pays off. I was away at college at the time, and seeing your hard work only motivated me to work hard. Thanks.

Oh, and your stuff on money is good too.

Suzanne
Suzanne
5 years 26 days ago

Your little gift…specifically, I have become more streamlined and efficient with my finances. I am totally online (without guilt) and due to my success in organizing and maintaining my own funds I began my first venture. It’s not sexy, but I love good food, so the Singing Frog Cannery is coming to Knoxville. Thank you for your “cockiness” and get-it-done attitude. Cheers.

Kate
Kate
5 years 26 days ago

Happy Birthday, Ramit!
Have a great day, because you are great.

SabineB
5 years 26 days ago
Hi Ramit, Happy Birthday! Today was the day I decided: that’s enough, I’ve had it ..! You were right, I could hardly see any mail of yours in my inbox, but not because I did not like them but because I failed to work them. And, when I lost friends last night because of not doing what the would have needed from me, I decided I will not wait ANY LONGER to do what I consider to be important – your program included! So I signed up for your Earn1K 2.0 and can’t wait to get started … Your program… Read more »
lisa
lisa
5 years 26 days ago

The book helped me outsmart my ADD demons by automating my most anxiety-inducing chores (paying bills, checking balances, sharing banking info w/my husband, paying for predictable irregular events). I have had only one late fee in the last year and a half, which is huge for me. We’ve paid off one car and all credit cards. Most importantly, the pain is gone. Money is a source of confidence, now.

tasha
tasha
5 years 26 days ago
Ramit, This year you helped me open and automatically fund my Roth and my daughter’s college fund. You helped me put my passwords in one central location. You helped me call and work out a plan with my student loans so that I know one day they will be paid off. You helped me negotiate with B of A to remove my last months account fee and switch me to a new no fee account. I set up and track my expenses. I could go on forever. You have helped me grow up financially. Have A Great Birthday, tdt
Lisa
Lisa
5 years 26 days ago

I took ur Save $1000/mo challenge about 2 years ago. We found $1000/mo in expenses in savings each mo. We switched auto insurance, cut out a wine club, shop at a local farm mkt and walmart for groceries. It was relatively easy and we keep it up. Thanks!

nicolas
nicolas
5 years 26 days ago

the book and the blog helped me to see that you can always have what I want to know my priorities because it used to be very messy. now I can live the life I want as long as directed and follow the teachings of the book. I am happy with my life now and live the life I want.

Anca
Anca
5 years 26 days ago

Switched brokerages and set up a proper asset allocation. Incorporated into my personality a little bit of What Would Ramit Do, though not nearly enough…

mark
mark
5 years 26 days ago
HAPPY B-DAY!! I’ve been reading your emails with no action for about a year, but the seed was sown. Without even realizing it I’ve cut out the frivolous impulsive spending, know where all my money goes, and am now able to pay myself as one of my monthly bills while whittling down the debt I’ve foolishly accumulated. I’m also full of ideas for other income sources. I work as a screen printer and came up with the idea of starting my own online printing business while utilizing the place I work now to do the printing. I can turn a… Read more »
Michelle
5 years 26 days ago
Happy birthday, Ramit! And great to see you over at ProBlogger! What I have learnt? (where to start?) – there will always be the complainers that want everything for free or cheaper or faster; that isn’t everyone! – what is holding us back is our own fear of failure (or may be even our fear of success!) – “sales” doesn’t have to be sleazy; getting inside your clients head and putting yourself in their shoes will work better than any hard sell – don’t be afraid to ask for what you are worth – make sure you fulfill a need… Read more »
Martha
Martha
5 years 26 days ago

Happy birthday Ramit. Well, I really enjoy applying and sharing your how to automate your money! Simple yet powerful!

Thanks and enjoy your day!!!

Andrea
Andrea
5 years 26 days ago
I automated my finances. I looked at everything I spent last year then set up a realistic budget for this year. I like that you tell me its OK to spend money on things I really enjoy – even if others think the amount I spend on entertainment is crazy. I have found it soooooo easy – money just goes into the right accounts when I get paid so I know how much I have for food, bills, paying off debt, entertainment etc. I have never paid off so much debt yet still gone out to so many concerts, gigs… Read more »
carey
carey
5 years 26 days ago

Well happy birthday I love your advice so much I’m sending a copy of your book to my children so they will not make the mistakes I have financially I think your great thanks for sharing and have a great day.

David Balatero
5 years 26 days ago
Happy birthday! I think the big lesson I’ve learned from you is to automate everything. The most recent thing I’ve done inspired by that lesson is the approach my band is now taking towards show promotion. Before each show, there are a number of routine things we need to do to ensure high attendance numbers at shows: 1) contact local press, 2) update Facebook fans, 3) send newsletters, etc. As well, there are a number of routine things we need to do after a show: 1) debrief and share our thoughts on how the show went, 2) write show recaps… Read more »
David Balatero
5 years 26 days ago

I know you asked for specific numbers/results in the newsletter you sent. Unfortunately, since the system is so new, I don’t have numbers yet on how that’s affected our show turnouts. That’s data I’ll be collecting over the next few shows, however.

Roger
5 years 26 days ago
Hi Ramit, Happy Birthday! Coincidently today is my birthday as well(42)! I am still reading your book. My wife gave it to me as a gift for Father’s Day. It is exactly what I needed to help organize and set a plan for our financial position and insure that we are able to do the things that we want to when we retire. I’m finding the information so valuable, wishing that I had this mindset when I was younger. I found myself discussing your book with my youngest son this morning who’s about to start his junior year in college.… Read more »
Drew Curtis
5 years 26 days ago

Ramit, from you book alone I got my interest rate lowered on my credit card from 12.9 to 5.0. I also opened a new checking account and online saving account and optimized all my accounts to automatically save money. It has been amazing using your suggestions to simplify my financial life and save for the future. Keep up with the amazing blog, thank you!

Kevin
5 years 26 days ago

-started and deposited $2500 into Roth IRA.
-Negotiated 2 bank fees & got money back
-Automated Bills
-Opened up Orange Savings account with ING & automatically save $100 a month
-Got rid of the “if it ain’t passive income, it ain’t worth it” mentality.

Thanks for all the help Ramit…Happy Birthday

Jackson
Jackson
5 years 26 days ago
First of all, I subscribe to your emails and read your blog, so I haven’t even started IWTYTBR yet. That is certainly going to change after reading all these wonderful comments, however. What I have learned is automating financing and contributing to my 403(b), and this has saved me a lot of anxiety about constantly logging into my bank account and on-the-go budgeting. Now then, in terms of the soft stuff: I have really gotten a lot out of your posts about invisible scripts and psychological barriers. These two things are limitations I’ve allowed in my life to keep me… Read more »
Ashley
Ashley
5 years 26 days ago

Happy birthday!
I went from having my life savings ($4,000 or so) sitting doing nothing in a savings account earning a pathetic .025% apr… to now knowing what to do with it! At 20, I know much more about saving, investing, retirement accounts, and conscious spending that any of my peers. I even made my boyfriend read the book!
Thanks!

Jenn
Jenn
5 years 26 days ago
I was already in decent financial shape (good salary, automated savings and maxing my retirement fund, no debt except for the mortgage)… but your recent credit card recommendation was a huge help. I’m getting married in a year and a half, and most of my wedding expenses are now going to be charged on the card to get the points. I’ll only be charging what we have the cash for, so that I don’t accrue any interest… but in the meantime, I’ll get a ton of points I wouldn’t have had otherwise. In 18 months, we should be able to… Read more »
Robert
Robert
5 years 26 days ago

I realized that money issues have much more to do with own mindset than with my knowledge about money.

That changed my whole approach.

Happy birthday!

George
5 years 26 days ago

You’ve actually helped with two things:
#1 After reading your book, I set up a Roth IRA and using automation, built it up to over $2000. My wife also set up a savings account and built it up nicely. She’s never had emergency funds available before.

#2 Negotiated her trade-in car for full Blue Book value and got a great interest rate on her new car.

Anshu
5 years 26 days ago

Wish you very happy birthday Ramit.

Made me price my products right when I started my side business 2 months back.
Also, following your advice I felt confident launching a business that caters to very small niche ( Handmade clothes for little girls).

Thanks Ramit!

AB
AB
5 years 26 days ago
Happy Birthday Ramit! I’m 23, I started reading your blog right before I started my first real job at a nonprofit. Your specific posts and behavioral advise helped me concretely twice: Yesterday I negotiated away two $5 bullshit “maintenance” charges from my Bank. (also I’m scrapping this account, got a Schwab last week. I guess this bullet counts as two from you). At an organization where salary is based virtually solely on tenure, I negotiated my way to a 2.5% salary increase upon signing. It’s small amount overall, but the fact that it happened was a bfd. So thanks for… Read more »
Alyssa
5 years 26 days ago

Happy burfday dooooode!!!!

I lowered my car insurance payment by about 1/3.
Next … paying off the credit cards!!!

Kerry O'Neill
5 years 26 days ago

Happy Birthday Ramit! Thanks to you and the Buck Blog at the NYTimes my wife and I have automated our money. Especially helpful was funneling 5% of our funds to our Roth IRAs and utilizing some sub-savings accounts. Great advice.

Lisa
Lisa
5 years 26 days ago

I love your articles about the ‘best credit card’ and the ‘best savings account’. I still have them printed out for future reference. We are working out of debt and your no nonsense approaches really are refreshing.
Thanks and Happy Birthday!

Valerie
Valerie
5 years 26 days ago

Happy Birthday, Ramit! Hope you’re doing something amazing to celebrate. I managed to finish automating my savings, up my retirement contributions considerably, and take an incredible trek to the base camp of Mount Everest (ridiculously grueling, but spectacular and an amazing experience, which I could afford after choosing to have a small, less pricey wedding). Your blog has definitely helped me prioritize my spending so I’m able to enjoy my life much more. Thank you!

Elchanan S.
Elchanan S.
5 years 26 days ago
I like everything Ramit writes because he does it with high-, can-do energy. Reading his material makes me want to get a better grip on my budgets and examine my expenses, contact my past clients for referrals, and push myself to make extra income on the side–after all countless of his clients are doing it, why not me? I am really eager to begin Earn1K, or the First Idea program, and the reason I have not is NOT because of the price tag (with an iron-guarantee there’s no risk), but rather because I have not been able to clear enough… Read more »
Quynh
Quynh
5 years 26 days ago

Happy Birthday Ramit!

I did your earn1k course and made $840 of side income in the month of June. I’ve scheduled my next client for 2 July, who will pay me $220, slightly missed my goal of $1K/month for June, but there’s always July…

cs
cs
5 years 26 days ago

I’ve focused more on big wins and spent time looking for alternate opportunities to make money on the side.

Aaron
Aaron
5 years 26 days ago
Hey Ramit – Happy Birthday! I’ve been meaning to write to thank you, and your birthday prompt finally gave me the kick to the backside I needed… I stumbled onto your post “My $100,000 bet on Chris Rock” while I was starting a new job search back in May. A position had opened up at one of my “dream-to-work-for” companies, and your story made me realize that my cover letter sucked — mind you, it was wasn’t bad, it was just… generic. The question from your post, “Which essay would you rather read?” made me rethink my approach. I knew… Read more »
Frantz
Frantz
5 years 26 days ago
Dear Ramit, your blog and book have helped me achieve many things in just a few months. While I could list them here, this note would simply be a repeat of most of the steps you’ve yourself described. Of course, I could add figures to these steps, but figures are not really relevant, when taken out of context: so what can I really share with you today? Well, I’d say you’ve had a far more impressive impact on me: you’ve completely transformed the relation I have with the money I make and the one I spend. Let me explain… I’ve… Read more »
Daniel
5 years 26 days ago

Happy Birthday Ramit!
Probably the most specific way your advice on IWTYTBR helped me recently was in choosing a fee free ATM card. I’ve used ING since 2006 but was looking for a fee free card for international travel I have planned and I wouldn’t have found the Schwab account without your recent specific recs. Thanks!

ell
ell
5 years 26 days ago

Inspired by many of your posts, but most significantly through the psychology of making excuses for doing what you want: I’ve incorporated a rotating set of daily “action items” that involve me working on stuff for 2 other careers (art and writing) that interest me. They don’t pay (yet) but working on them is both valuable in terms of practice and in terms of building a portfolio that I can eventually leverage. So rather than wondering “how am I ever going to do anything with these hobbies” I’m at least at work on building a portfolio and practiving.

Tamara
Tamara
5 years 26 days ago

Automation. I have finally stopped running away from my debt (esp student loans), prioritized them and have a plan for paying it off. Your words on guilt free spending have forced me to pay myself first and not feel guilty about spending after everything else is taken care of. Once my credit card debt is gone I will move on to the Roth IRA, a life-cycle fund, and savings. Thank you, and happy birthday.

Mary
Mary
5 years 26 days ago

I realized the value of using the credit card only in extreme emergencies. I was able to pay off my car in 4 1/2 years, instead of 5. I saved money by looking for a better auto insurance. I feel more in control now of my financial resources and have a sense of accomplishment every time I save more money. Thanks for the wonderful advice.

Mike A
Mike A
5 years 26 days ago

Happy Birthday Ramit!!!

I Will Teach You to Be Rich helped me get in charge of my finances so that I could pay off my credit card debt and attack my student loan debt! I’ve got my automated system set up, including deposits into a 401(k) and an investment account. I also learned that it’s worth my time to search for bank and credit accounts that suit my needs; I found a checking account that pays 4% interest with no fees as long as I meet the minimum balance requirement, which is easy to do!

Thanks so much!

Keith
Keith
5 years 26 days ago
Happy Birthday! IWT has helped me in two ways this year. First, as a teacher, I have used your information to help my students learn about personal finance. Without having read your book or blog, I would not be able to relay this very important information to my students who would otherwise never get it in school. I do not teach a finance class (I teach music) but felt it would be wrong for my Seniors to leave high school knowing zilch about personal finance. Second, as a first year teacher, my job was first on the chopping block as… Read more »
G
G
5 years 26 days ago

I took your advice on automating my finances as well as getting the SPG rewards card from Amex.

Now, 5% comes off the top for 401(k) and 5% for Roth IRA and I’m setting up sub-savings accounts to make sure I track my savings to tangible goals.

Jackie
Jackie
5 years 26 days ago
Happy Birthday Ramit! How I wish I were 29 again! I’d have all that time ahead of me to implement your techniques….but I don’t and I choose to live in my own reality, which was pretty much status quo, working hard to pay off stuff and stay afloat..that’s right, just stay the course, status quo. A few weeks ago, I opened one of your “I Will Teach You” emails (Yes, step one is to actually open and read them, which I may have glossed over before and added to the ‘check it out later folder’). Well, the email was talking… Read more »
Charles
Charles
5 years 26 days ago
Last October I suffered the unexpected loss of my spouse, who was a CPA and managed all our finances and taxes. As a middle aged guy with a well-paying job I’m not exactly in your target demographic, but I had been following your site because the logic made sense to me. After taking over the household finances (on top of the unexpected expenses), I realized sadly that I should have been more involved all along as I faced $127k in debt spread between retail credit, business credit cards, home improvement loans, etc. I bought your book and worked from the… Read more »
Annika
Annika
5 years 26 days ago
Happy Birthday Ramit! Wow, what have I learnt from IWT? That’s an interesting one because there are so many things, yet I can’t seem to pinpoint any of them. I think it has generally shifted my attitude towards money. I used to think it was scary and difficult, something to avoid talking about and dealing with. A few lessons from Ramit: Numbers are important, but they are alot easier than I used to think. Earning a lot of money is actually not that difficult provided you know your own self worth and are prepared to ask for it. Often you… Read more »
ShrMaj
5 years 26 days ago
Happy Birthday! Do yourself a favor. Destroy that picture ! I followed your book from page 1 to page N and I did everything it said. All my finances are automated. I save a bunch without even knowing that it comes to my checking account first. I spend without the guilt on things I love. I invest my time in things that really matter and I hire people to do the chores like cleaning, mowing the lawn and cooking (sometimes). I’ve saved a bunch of money by negotiating gym memberships, auto insurance etc. I’ve overcome psychological barriers and I do… Read more »
teresa
teresa
5 years 26 days ago

Using Ramit’s material I was able to get out of credit card debt, moved my car loan to my credit union and was able to negotiate it into a much lower percentage rate while setting up automatic payments.
This past week I have been editing and organizing my photo banks and I mustered up the courage to enter a contest instead of talking myself out of it as I have done every year until now, telling myself, what’s the use? I’m not as good as those other photographers.

Olivia Hoang
5 years 26 days ago
Happy Birthday Ramit! While I feel that sometimes you plug your course a little too much in your posts, overall, I have gotten a lot of value out of your book and blog. If anything, it took the mystery out of finances for me. Before reading your book, I was like most Americans–overwhelmed with facts to the point where I kept putting off managing finances because it seemed like such a joy. Since reading your book, I have set up a Roth IRA and gotten into online savings. Though I still have lots to learn, I feel good knowing that… Read more »
Olivia Hoang
5 years 26 days ago

oops… that was meant to be chore* not joy =)

Rahul
Rahul
5 years 26 days ago

Happy Birthday! What have I learnt from you?

1) Behavioral Change takes time
2) Being frugal (is not being cheap)
3) How to impress my boss in a small company
4) Ideas about decision making with a longer term perspective

– Rahul

Olivia Hoang
5 years 26 days ago

chore* not joy

Eric S. Mueller
5 years 26 days ago
When I was in the Navy, my car insurance insisted the only way they’d cover me to to allow auto withdrawal from my checking account. Then the Navy screwed up my paycheck. I had to scramble to get insurance to not withdraw the money and work out how to pay them until I got my paycheck straightened out. I realized if I’d been at sea, I would have been totally screwed. My account would have been overdrawn, my insurance would have been cancelled, and the idiots in disbursing would give me a blank look. And so, I was terrified of… Read more »
Matthew
Matthew
5 years 26 days ago
Happy birthday Ramit, and thanks for all the advice. Here’s my scenario: I’m male, 35, married, no kids. I’m in a well-paying job, my wife is in a well paying job; our combined incomes are, um, comfortable. I read your book a few years ago and tactically started implementing the recommendations. I now have no credit card debt (do have a mortgage), max out super contributions (I’m Australian, by the way, our rules are a little different down here – you can’t contribute too much to your super over and above what’s legally obliged), my finances are automated as much… Read more »
Adam Daniel Mezei
5 years 26 days ago

Micro-testing…you’ve confirmed for me the belief that I was finally not the only person who does this sort of thing. That there are others — who see the merit in it. And now…I’m hooked, I’m micro-testing all the time. Like the banshee…

Aashish Shah
Aashish Shah
5 years 26 days ago

I have read your website for the last two years, but have never really been able to put any practical application to it because I just graduated and start my first job in two weeks.

One of the first posts I ever read on this website was how to separate your paycheck into different areas of saving and still have ‘guilt free’ spending money. When I earn my first paycheck in two weeks, I will model my breakdown into my savings, checkings, bills, 401k, and spending money after that post.

Dennis
Dennis
5 years 26 days ago

Happy Birthday Ramit, your book has been invaluable to me and my newlywed wife in the start of our marriage. We’re automating all our accounts, setting up solid financial goals, and not feeling guilty about our spending. It really is all psychological. I’ve also been able to negotiate dumb fees and increase lines of credit with ease. Your book’s been great as well as your blog and emails. Sorry for the lack of concrete details, but I didn’t want that to stop me from wishing you a happy birthday.

Helen McDonald
Helen McDonald
5 years 26 days ago

I finally got around to opening a Roth IRA with Vanguard and am automatically sending 300$ to it each month, this is in addition to workplace 403B. I would not have thought much about a Roth without reading IWTYTBRich (the book)

Tasha
Tasha
5 years 26 days ago

Happy Birthday, Ramit!

I’ve learned that it’s more important to earn more than it is to cut lattes (I enjoy lattes, so thank you). After reading all of your emails, I began targeting a smaller niche of freelance clients. I immediately booked a project for double the fee I charged on my previous project. Now I know how to begin looking for ways to earn more, instead of living with less. I know even better things are in store for me now.

Thank you!

Ella
Ella
5 years 26 days ago

untill this evening i thought my 500$ a month job (i’m a student) and my lame apartment and 20 year old car was the best i could ever do.Today it hit me, for the first time ever, that i really deserve more than that. and that i can actually go get more in life.

Rob Dugas
Rob Dugas
5 years 26 days ago

Happy BDay-

Since we are on the topic of birthdays, I just wanted to say that over the last couple years, I have used the book as a gift to 15-20 people for their birthdays. Many needing some pushing to actually read and do the steps, but with a few nudges I have converted many. One has even joined earn1k in the past.

I always put 5 bucks in the book for them and told them that they will end up paying me back in the future when they are sitting on the beach sipping pina coladas.

-Rob

Laura
Laura
5 years 26 days ago

We helped our son figure out a way to get to college tuition free, and I have set a goal of becoming accredited in a professional field, and have started the education for that.

Carolyn
Carolyn
5 years 26 days ago
Loved your book! Thanks so much. I am buying it for all the twenty-somethings in my family as a “gift” that could change their life. I’ve read lots of books on personal finance and think yours is the best, especially for 20-30 yr olds. I especially like your approach of taking care of the big things…and ignoring the lattes of life. A great approach to life. Personally, what I have gained from the book is automating my investing and am gearing my investments more towards simple target date funds rather than trying to guess what the next best thing is.… Read more »
Joe
5 years 26 days ago

Greetings and Birthday Wishes…

Great advice in this new economic clarity……….really helpful……..Continued Successes and Kind Regards, Joe

Mark
Mark
5 years 26 days ago
Happy Birthday! I’m 51 and still learning. Thank you for being an inspiration for change. I have paid off my credit cards, downsized to where my housing is $650 total, acclerated to pay off my 2010 Prius, which I probably wouldn’t have bought if I had been here before. I changed insurances to USAA, since my dad was a vet, saving about 1k a year for home/car insurance. I have automated my bills/savings and opened up a Roth, on top of my 403b/Ira. You’re pretty good at getting people off their a$$. : ) Congratz. May the rest of your… Read more »
kev schaffer
kev schaffer
5 years 26 days ago

Clarity and discipline

Donna - Access Awareness, LLC
Hi Ramit, Happy 29th Birthday to you!! May all the grace & goodnes that you give to others return to you tenfold this year! As a birthday gift, I would like to share what you have given to me, through your knoweldge and expertise in the financial sector. Discipline and consistancy are first on the list. Feeling happy about getting the information I need to move forward with my personal & business finances have changed my attitude. Creating repetitive, good habits with banking has become exciting. I am much more assertive and involved with the money process as opposed to… Read more »
kev schaffer
kev schaffer
5 years 26 days ago

Oh yeah happy happy bday

Laurel
5 years 26 days ago

I’m too old for most of your instructions unfortunately, but I did take the opportunity to do what you recommend most often, which is to stop making excuses and just do it – so I have my own column (currently a blog, but it is starting to collect subscribers, and is published periodically in a local online newspaper) reviewing local bands and club venues… so thank you for being such an annoying pain, Ramit – and happy birthday!

Jesse
Jesse
5 years 26 days ago

I learned to automate my finances and set up automatic bill pay. While this hasn’t saved me cold hard cash, it has saved me lots of time and worry, which I can then use to help build my business.

A cold hard fact: went from 0.25% interest rate savings account to 1.0% thanks to you.

Keep the good stuff coming and thanks!

Joy Pierson
Joy Pierson
5 years 26 days ago

Prioritize – a huge thing for me was realizing I needed to be picky – the “permission” to buy what I love in exchange for not buying junk – saves a ton of money right there. One high-quality item is cheaper and better than five low quality. Your advice to “buy what you love, and only what you love” was golden. Thank you!

Mandeep
Mandeep
5 years 26 days ago

Happy birthday dude!

One specific thing I did because of you was start my Roth IRA, putting my money into a Vanguard target date fund. I’d never even heard of lifecycle/target date funds before I read your book.

You keep writing, I’ll keep reading!

Juliana
5 years 26 days ago
Happy Birthday! I have a lower income than I thought I would have (about $1000/month) and was living from emergency to emergency, until I read the part in your book about putting something aside in savings every month, no matter how small. I’ve put $178 into an ING account every month, and that covers my annual $2000 emergency. Last year I had to buy a new laptop, and this year I had to buy a round-trip plane ticket to Taipei. It won’t sound like much to some commenters, but the impact of not having to put those purchases on my… Read more »
Christina M.
Christina M.
5 years 26 days ago

Paid one credit card off, and now almost halfway done paying the other. I sold three things on Amazon and used that earning to pay off the card as well. Finally I cut back on my gas consumption by riding my bike more, downgraded the cable and Netflix and cut my grocery bill by 30%. All that extra income is being put into paying off the last credit card. Thanks for your ideas and motivation!

aelle
5 years 26 days ago
A year ago, I had been working at my first “real” job for a few months, and I had just moved in with my (unemployed, recent graduate) boyfriend of 3 years. At the same time, my parents were getting divorced and my mother, who had stayed at home for 15 years to raise us, is left with no assets, no savings and no retirement contributions. I knew that I knew nothing about money and it freaked me out. IWT gave me not just the information, but the kick in the butt I needed to get started. The two biggest points… Read more »
aelle
5 years 26 days ago

Oh yeah, I’ve also been keeping a “money diary” this week and the insight I’m getting just from putting my spendings and my thoughts about them on paper has blown me away. Just so you know, even your old material is still really useful 🙂

Jonathan Blackhall
5 years 26 days ago

Happy Birthday, Ramit! There are a bunch of things that your site and book have helped me with this year. I just finished automating my finances using online bill payments and I have finished planning my conscious spending plan, including how much I will divert into investing and savings (I don’t start getting paid at my new job for another month). (Sorry the salary was non-negotiable.) And just today I got $3 in ATM fees reimbursed because of my Schwab debit card. Thanks so much!

m.kasiviswanathan
m.kasiviswanathan
5 years 26 days ago

hi ram,

wish u a many many happy returns of the day. its nearly a year before with lot of confusions i had when i came to you. now i am in right track going a head i will not bluff that i reached a lot but i organised the finance with some keypoints you have told to do. now its been set and i am sure that its works 100% in profitable mark. pl…continue this service.

Josh Moore
5 years 26 days ago

$7k invested in the last six months
$1k emergency fund
Mentor who sold his last business for $88m
All accounts setup and running well
Two friends saving using the save 1k in 30 days challenge

Thanks Ramit, you’re a champion. And Happy Birthday!

Case
Case
5 years 26 days ago

I utilized scrips found within your book to negotiate an increase on my credit line. I also obtained that Rewards Card you’ve been recommending, and I cannot wait to use the perks. Happy birthday, Ramit!

Roberto
Roberto
5 years 26 days ago

Happy birthday Ramit!

I learned I believed in some invisible scripts I wasn’t really aware of. Now I started trying them out. This simple change makes me feel a lot better.
I do believe the good news will around soon.
Thanks a lot.

Shawn
5 years 26 days ago
Hey Ramit, Happy Birthday! Your book has helped me in a number of ways: 1. My Bills & Savings are now fully automated 2. I have opened a Roth IRA account 3. I have started contributing to my 401k at work 4. I have recognized the importance of smart spending vs. cheating myself of my favorite things to save a buck (though I’m still working on this) 5. I have learned why it is important not to under-value my services (I’m a software developer/consultant). 6. Most importantly, I have learned that in order to be the best, you have to… Read more »
Jaime
Jaime
5 years 26 days ago
I currently work for a job I love, and I negotiated $10,000 more a year than what they usually offer. The HR person was really pushing to get an amount out of me and I got scared, so I reached out to you for help. Your videos on negotiation gave me some great exercises to use, and they gave me the confidence I needed to stand my ground and get them to give a number first. There’s countless other things you’ve helped me with, but I wanted to let you know that the extra money I’m gaining every month has… Read more »
Meredith
Meredith
5 years 26 days ago

Thanks to your tips, I have begun to automate and I always pay myself first, which has helped me save/invest more money this year than ever before…and I started a business a couple weeks ago, something I never thought I would do, but which I feel very confident about thanks to all the information I have gained from your work. Happy birthday!

David
David
5 years 26 days ago

BJ Fogg masterclass : Changed the way I approach people and freelance work!

Stepan
5 years 26 days ago

Ramit,

I was a prisoner in Plato’s cave, and you showed me the light. I’m 17, I generate $5000 a month freelancing, and am going to travel around the world this year. None of this could have been possible without your guidance.

I hope you have a magnificent days to come!

Adam Isom
5 years 26 days ago
This site was a big player in forming my attitudes and knowledge regarding money, which in turn was a big part in my dad getting his first side-work contract ever for $60k (he’s a 46y old lawyer). I know it will help me soon enough, and probably will in the upcoming weeks as I apply for my first ‘real’ (career-related) jobs. P.S. Hey Ramit, please don’t turn into someone less cool. There’s only so long you can retain the youthfulness this site requires and it’s not cool to be an old geezer on TV shows as the ‘token’ expert, repeating… Read more »
james
5 years 26 days ago

1) put myself on an automatic savings plan that has me paying of my student loan debt by the end of the year

2) got a new job where i’m learning skills that will lead directly to starting my own business

3) earned ~3k on the side

thanks ramit! happy birthday and thanks for the hard work.

Jordan
Jordan
5 years 26 days ago

I negotiated with my bank to remove two late fees that came about from my pay cycle being out of sync with their billing cycle, and I arranged to shift my billing cycle so it wouldn’t happen again.
I started contributing extra funds to my superannuation (retirement account) to get the government match this year.
Thanks Ramit, and happy birthday!

Dave
5 years 26 days ago
Hi Ramit, your site helped motivate me to leave my job as a software developer, and move into my passion of being a rock climbing instructor. Not only did I take the leap, I had hoped to do some contracting on the side. Through a client at the rock climbing gym I am now earning roughly twice what I was as a full time developer through contracting on the side, while still living my dream as a climber. I love the site, and get so much more done each day now that I am more motivated to put the effort… Read more »
Sara
Sara
5 years 26 days ago

I took a higher paying job in a better city doing something I thought I wasn’t qualified for. A few more details: I /was/ qualified, I had just been telling myself that I didn’t have the right letters behind my name, the right degree in place, the right background, etc. Lies, really. So I got off my ass and asked about this job, got in touch with the right people despite fearing they wouldn’t respond, and now I’ve got a better job lined up in August. Thanks for the fire under my ass, Ramit, and happy birthday!

Joe
Joe
5 years 26 days ago

Happy Birthday! My wife and I are much smarter about money thanks to you.

Kevin
Kevin
5 years 26 days ago

Happy Birthday Ramit!!!!

1). I’m now the holder of the Charles Schwab Visa Card

2). I automated my accounts and now having $100’s in savings

3). I also have credits on most of my bills due to the automation (meaning I don’t have to pay anything for at least a few months and the credit just keep growing and growing)…

Thank you Sir for your wisdom!!!!!

~ Kevin

Fish
Fish
5 years 26 days ago

My thoughts and beliefs have changed. I always believed I had to be perfect or have everything just right and ready before starting something etc. Over time, with your teachings et. al. I have realized a new truth. The first step, the act of doing, being able and willing to fail before one succeeds – I have a new perspective about success. Thank You Ramit.

Tyhee
Tyhee
5 years 26 days ago

Happy Birthday Ramit!
iwtytbr has definitely changed the way i look at credit cards,bank accounts etc now if i can only gain income without being between jobs all the time lol

Carrie
Carrie
5 years 26 days ago

I automated my per-paycheck savings a year ago and was pleasantly surprised recently to see how the high the balance is! I have saved almost an extra $3,000 without thinking about it. The money transfers automatically after payday. Thanks, Rami!

Bob
Bob
5 years 26 days ago

Thanks for tipping me off on the best rewards available with an American Express credit card. It lets me get rich while I sleep.

zmafuel
zmafuel
5 years 26 days ago

Just read your book 2 months ago, have implemented almost all of your suggestions, completely automatizing my entire financial life, and it feels great! Your book has given me such amazing peace of mind. Thanks for everything and happy birthday ramit!

Monica
Monica
5 years 26 days ago

Happy Birthday!
Your book helped turn me from dealing with my finances in a passive kind of victimy way, to taking constructive action.
I’m in the process of automating my finances, I’ve opened a Roth IRA, I’m almost out of credit card debt, I’m able to save over 1000 dollars a month allowing me to quit a hated job, and I have three or four ideas on the back burner to generate even more income.
Revolutionary stuff! Thank you!

Matthew
Matthew
5 years 26 days ago

Happy Birthday Ramit. I soon as I save enough money I going to join your 1k program.

Ben
Ben
5 years 26 days ago

Since I read about your craigslist penis effect, I improved my performance at public speaking just a little bit. I currently earn money with it and got me consulting jobs and loads of free PR. Just for that…. you are my HERO!
Happy BDay, Ramit!

Beth H
Beth H
5 years 26 days ago
The most important change has been to change the way I spend money. After reading your book and blog, I automated my finances and am earning rewards for my regular everyday purchases. I also no longer guilt myself for spending money on things I’ve prioritized. In automating my savings, I’m now over $2500 in my general savings and have started wedding, house and vacation accounts that are growing slowly (but steadily!). Oh, and thanks for validating my nagging my friends to contribute to their 401ks and Roths, which I’ve been doing since I was 24 – now I can arch… Read more »
Amber
5 years 26 days ago

Earn1K has taught me a lot about where I was going wrong with my business and helped me switch my gears from treating it like a hobby to treating it like a full-time job. Now I earn my living through Evil Ink alone.

While I was employed full time, I managed to pay off some crippling credit card debt and a hefty surprise cancellation fee. Now I’m teaching my friends and relatives how to manage their money and a few them have actually taken my advice to heart and I’ve seen them reduce heavy education costs as a result.

Laura
Laura
5 years 26 days ago

This site and your book helped me see “budgeting” in a more positive light.
I picked up another book recently that talked about giving up lattes to be rich when you’re old and rickety…and I could see right through it, thanks to you. While I still have an appreciation for making sacrifices to save for my future, I now understand that the journey to get there doesn’t have to be totally “latte-less.” You’ve really helped me understand the self-discipline of conscious spending without feeling totally suffocated and guilty for EVERY. SINGLE. PURCHASE.
Thanks for that.
And Happy Birthday!

Erin
Erin
5 years 26 days ago
Ramit – So appropriate to write you today – Today is the day I am done paying off my credit card debt! Since reading your book in November: I negotiated (successfully) a lower APR, I paid off $8000 of cc debt, opened a 403b and get my employer match, and automated my finances so that debt/savings are diverted and bills are paid automatically. Thanks so much! Hope you have had a fabulous birthday! Also – just opened an ING account and created a budget, so I can save for things I want. One quick favor – could you do a… Read more »
Colby
Colby
5 years 26 days ago

Happy birthday Ramit.

Thank you for teaching me about ING direct – because of you I have an automatic savings account that has helped me accumulate savings instead of spending it on worthless “things”.

Thanks for teaching me how to easily save cash for investments or wise spending in the future.

Sunil
Sunil
5 years 26 days ago

I have been lazy/demoralized for the last 9 years.

You have brought me hope and a slow but sure change in attitude .

Hope to tell you other benefits soon.

Wish you a happy birthday

sunil dandeniya
colombo
sri lanka

Abdi Warsame
Abdi Warsame
5 years 26 days ago

Happy Birth day Ramit

Bill C.
Bill C.
5 years 26 days ago

Finally bought your book and 1 each for my 2 sons that just graduated college.
I know the best is yet to come! Thanks Ramit.
Happy Birthday & many , many more!

Rob
5 years 26 days ago

Happy birthday!

Jo
Jo
5 years 26 days ago
I took the Earn 1K coursea while back. I was working for a coporation at the time and wanted to bust out on my own but had had a few MLM ‘failures’ (mine, not the product’s) so knew I had no clue. I quit my 9-5 and became an independant consultant. Although I took a very good contract I was still embedded within the corporation. This year, at 60, I quit that job (in an industry that I’ve been in for 40+ years) and am starting a whole new career. And I love it! I’m doing something that gives me… Read more »
Jen
Jen
5 years 26 days ago

Happy Birthday!

You made me start thinking – really thinking – that I could easily do my job as a freelance consultant.

D.L.
D.L.
5 years 26 days ago
Happy Birthday Ramit!! Since I first read IWTYTBR in Jan this year, I have saved $1400+ by having a set amount automatically transferred to my savings account each month. You were right…I don’t see the money, so I don’t miss the money! Imagine that? LOL I’ve “learned” to pay myself first. Something I always knew, but rarely did. I also started investing by opening a Roth IRA, which still scares/amazes me, because I really have no clue what I’m doing. I just followed what the book said, sat back & watched my account grow. Easy enough I suppose. I’ve always… Read more »
Jen
Jen
5 years 26 days ago

and PS – you inspired me to reopen my ING account with automatic contributions for my toddler so that she’ll be better off than me!

Happy Birthday some more!

Cissy
Cissy
5 years 26 days ago

I think the biggest help has been facing and overcoming the small psycological barriers. Specifically, I finally signed up for the 401k program offered by my husband’s employer. This was after reading the post about how more people enroll if it’s done automatically. I realized we hadn’t signed up yet, and it had been 3 years since he’d started there. Right then, I stopped and enrolled online. I have more, but that was an immediate change.
Thank you and Happy Birthday Ramit!

Brian Speronello
Brian Speronello
5 years 26 days ago
Here are a few quick examples, and then one long one where you might be interested in the psychology behind it. The most important thing for me though is that they all add up to peace of mind, since now that I actually have a plan in place for my finances. #1) Negotiated $50 off of the $150 hourly rate for someone I hired for a one-day gig. Saved $175 total. #2) After learning about asset allocation I was able to correct my 401(k) so that it’s now appropriately 90% stocks and 10% bonds (I’m 25) instead of being nearly… Read more »
Vicki
Vicki
5 years 26 days ago

Hi Ramit,

I thought I had most of my finances automated, but realized that I hit and miss with savings. I set up an automated amount and I have done much better and have a much higher ending balance. Thanks for all the great info. Elmo loves you! Happy 29th (you’re just a baby). Vicki O

Sharon
Sharon
5 years 26 days ago

Make decisions quick choose a simple program and use it. Simple one used is better than the complicated program.
Happy Birthday!!!

Ilana W.
5 years 26 days ago
Hi Ramit! It’s really fortuitous that you sent this email today. Just this morning I went from being a student of astrology to being an Astrologer. I recorded a horoscope podcast with a business woman named Jenn August and she will be posting it, along with a written version, tomorrow when the new moon moves fully into Cancer. Sign up on our website http://www.bizastrology.com to receive your monthly business horoscope! The one specific thing that I have learned this year from IWT is to invest in myself. I’ve taken classes on astrology, tarot, Aryuveda, Jewish Science Fiction and Fantasy, and… Read more »
T
T
5 years 26 days ago

Automatic savings plan helps me save > $200/week. Thanks Ramit and happy b-day

Natalie Sisson
5 years 26 days ago

I’d say over 400 comments of love and appreciation are priceless for your birthday. Congrats on making a difference in so many peoples’ lives by teaching them not only how to be rich but to think rick too.

Natalie

tony v
tony v
5 years 26 days ago

Thanks for all the helpful info. Unfortunately I started my financial savings and investment planning late in life. Your book was a revalation. Easy to understand and impliment. I’ve already given away half a dozen copies to friends and urged them to follow the steps you set out. Keep up the great work and happy birthday!

Tony

Donna
Donna
5 years 26 days ago

Happy Birthday !!!

You really have me thinking about multiple income sources.

AJ Angus
AJ Angus
5 years 26 days ago

I negotiated my new job that I started 3 months ago and got more than I was expecting ($6k more in the base).

Pierre W.
Pierre W.
5 years 26 days ago

I used your IWT and Earn1k info to find out many of my invisible blockers, and stopped making excuses that undervalued my abilities when it came to my freelancing business. By admitting to myself that I do have great skills I didn’t turn down an opportunity that led to my highest paying client thus far. I plan to continue building my skills and increasing my presence. Thanks for the help and happy birthday!

Cody
Cody
5 years 26 days ago
Happy Birthday Ramit! A friend of mine told me about your book in 2009 shortly after I graduated college. I ordered it off Amazon and couldn’t put it down, it was EXACTLY what I was looking for (I’ve since passed the word on and at least five more of my friends have read it). Thanks to IWTYTBR I have opened a credit card with rewards that are actually rewarding, opened a savings account with ING (which as netted me more in interest in the past year than in my whole life), negotiated myself out of credit card late charges 4… Read more »
victoria
victoria
5 years 26 days ago
Lost my job in December and used your briefcase technique to land a new job 2 weeks later. The money I gained from such a short unemployment period made me more than willing to buy your Profitable Idea and Earn1K programs. Never would have offered to work for free, but per your Earn1K suggestion on when working for free is appropriate, I offered to help my old employer (small struggling business) some limited pro-bono marketing assistance based on what I learned at my new job (highly profitable small business). Doing it out of compassion for the owner and the challenge… Read more »
Satya
5 years 26 days ago
Happy birthday! I’m already a freelancer but haven’t been enjoying what I do. As a result of your testing assumptions challenge I emailed all my friends and family and asked them what they thought I had to share (assumed I didn’t have a good idea already for something I’d love). The responses were similar and illuminating, and one of them came with a request for help. So I started helping this friend, and two days later got $250 to help another friend and I love what I’m doing! I think this is my new career and I already launched my… Read more »
Nick
Nick
5 years 26 days ago

I overdrew my checking account. First time offender, my mistake.

Called the bank and used your script. She offered right away to reimburse 50% of the overdraft. Continued with your script. She talked to her “supervisor.” Got 100% reimbursed.

Just one example, but still not a bad ROI on your book.

Dawn DuCoty
Dawn DuCoty
5 years 26 days ago
Happy Birthday Ramit! Iwtytbr has impacted my life in the way I think about money. I ” spend extravagantly on things I love” ( just returned from two weeks in Europe with my kids) and” cut costs mercilessly on things I don’t.”(I buy clothes and shoes at Marshalls) I have zero credit card debt, max my 401k out, and am in process of launching my first web based business with the help of Marie Forleo and Laura Roeder ( your referral!) the extra money I make I plan to pay off my mortgage early. I have 4 streams of income… Read more »
David
David
5 years 26 days ago
Hi Ramit, Happy Birthday! Thanks to you I am doing something about paying off my credit cards. I have not accumulated any more debt for a year and a half. I have payed off 15k, 25k to go. At the same time I have a high interest savings account for emergencies, and I use a rewards credit card in place of my debit card, i.e. if I have the money in the bank I put my purchases on the credit card and then pay it off immediately. This way I accumulate no interest charges on those purchases and reap the… Read more »
Bob
Bob
5 years 26 days ago

I’m not youngish (in material/societal years), but young in spirit. This program reinforced that I can continue to work the on-the-side angle to my benefit, and I’ve used this to my advantage.

So Ramit, realize there are some 50-somethings who dig you work! (yeah, “dig”). And your IWTYTBR rebalancing stuff is great tot.

¡Feliz cumpleaños! (happy birthday in Español)

Bob

Matt
5 years 26 days ago

Happy birthday Ramit!

I’m too busy paying off a credit card to do much else, but I now have two savings accounts (glad to see you like ING too) with automatic deposits, opened a Sharebuilder account, even though the stock market is still like Greek to me. I got a new position at work and a (small) raise. What I really need is a blog called I Will Teach You To FInd a Good Apartment, that would fix so much in my life.

James
5 years 26 days ago
Happy Birthday Ramit! So far this year E1K has helped me earn about $7500 on the side at the same time negotiate a 10% salary increase. Even though I didn’t take the E1K class I took a lot away from the month of free information leading up to it, and would pay for the class in a heart beat when it opens up again. I will also never pay an ATM fee again in my life and love telling people about it, haha! More importantly than ANY of that, I am more confident in my potential to start my own… Read more »
Sharna
Sharna
5 years 26 days ago
Happy birthday Ramit! 2 things you’ve inspired me to do, one big, one small. 1) I invested in myself, in a course I had thought about taking, which will lead to a new side-line career. I will spend next week finalizing an official name for my business, and the second week of July I will have business cards printed to give to people who will either use my services or refer me to those who will. 6 month goal is to have enough clients to take an extra day off from my current job; 9 month goal is 2 extra… Read more »
Bob
Bob
5 years 26 days ago

Making me accept the limitation of being a cognitive miser. Behavioral change is hard, best to take one or two small changes every few weeks and maintain them. To illustrate: small daily or weekly changes in diet and exercise: getting into the habit of working out for a short time everyday, making sure to buy a couple sacks of salad every week, adding supplements and vitamins one at a time…pants fitting looser!

nathanael
nathanael
5 years 26 days ago
I finally automated my finances from bills and mortgage to direct deposit. I literally only have to pay one bill (I pay my credit card off each month, and the amount varies.) To take it a step further, I wrote a google doc my wife and I share to track all spending and extra expenses (plus surplus’s I make from side projects). All I have to do is type is 2-3 digits, hit enter, and the spreadsheet does ALL of the math. I just added a new component this month: automated, digital filing. For $10/month, I send all my paperwork… Read more »
Li
Li
5 years 26 days ago

Happy birthday Ramit!
Reading one of your posts on interview preparation inspired me to get out and network with Hackers and Founders around the bay. I’ve always been awed by how much you’ve accomplished but I think that post on preparation really hit home on how much work you actually do to prepare. Also on a sidenote if it weren’t for you I wouldn’t have purchased Maneesh’ passive income class, which has earned me money. Happy 29th!

Su
Su
5 years 26 days ago

I’m so not an early adopter, but s-o-o slowly I am trying out some of your ideas, like beginning to automate finances–what a great feeling when it works and makes my life simpler and saves time! Now I am absorbing (also slowly) your ideas about how selling one’s skills doesn’t make me an asshole salesperson; this month I had an unexpected referral through a friend for some side work and just got the check in the mail today. I am cautiously optimistic–thanks Ramit, and hope it’s been a great birthday!

Melanie
Melanie
5 years 26 days ago

I love your E1K strategy of thinking about what your customer needs. I’ve used it in my full-time job to great success!

Ashley
Ashley
5 years 26 days ago

The best thing I have learned from you is not about money, but is much more your focus- action. Just do it, take the chance. I have a lot going on and have had disadvantages but have learned even if you have legitimate reasons for being where you are it doesn’t get you where you want to go or form you into who you want to be. The last few weeks so much more has happened and it gets better all the time.

Janet
5 years 26 days ago
HI Happy birthday!. Okay so I was raised by a mother who knew NOTHING about fiscal responsibility. Ergo I have been a mess. I’m one of your older admirers as I’m in my 50’s. Last year I decided to fix my financial picture and I read Dave Ramsey’s book. I started working the plan to get out of credit card debt ( which by the way I was out of when I divorced my husband and i wish i had found either yours or his book at that time 5 years ago). Anyway, I’m working the plan and then my… Read more »
christian
christian
5 years 26 days ago

i’m wishing u happy birthday.

Tim Chen
Tim Chen
5 years 26 days ago

automating my finances like a boss.
Makes me worry less about where my money goes all the time.

happy birthday

Srinivas
Srinivas
5 years 26 days ago

I read your book. I am following the 85% solution in my investments. I am happy about this because I am on the path and not thinking about picking stock or any other such wierd ideas.

Thanks

Steven
Steven
5 years 26 days ago

Happy Birthday Ramit!

IWT has changed my attitude to money. I am focusing more on earning more vs cutting back and IWT has given a lot of great advice on how to do it.

Jeanne W
5 years 26 days ago

Happy birthday Ramit! This year you helped me learn to save every month with ING, I now finally have hope to take my trip around the world in a few years!

Roberta Holleman
Roberta Holleman
5 years 26 days ago
Hi Ramit, I found you through my friend Janet Patterson. I am a CPA and Quickbooks Pro Advisor in Sonoma County. I am also studying to be a money coach.I purchased your book and found it to be one of the best tools I’ve seen so far, practical, down to earth, easy to read and palatable for people your age…and good for people mine ( I’m also a year of the dog but…36 years ahead of you!) I gave my book to my 25 year old son, have to get another for me…he’s on the right track, with your book… Read more »
Tiffany
Tiffany
5 years 26 days ago
Happy birthday, Ramit! Thanks for the book and the years of advice from your blog. I really started getting serious about personal finance and implementing your advice 3 or so months ago. Since then, I have done the following. –Created effective eBay campaigns to sell unneeded stuff ($260) –Researched and sold through other websites ($135) –Negotiated cell phone bill to take $20 off per month. –Negotiated DSL fee to $10 less per month (Also got out of a $10 late fee) –Started a “side hustle.” Earned ~$200 in the first month I started. –Started conscious spending. This is a big… Read more »
Sudhindra S Bhat
Sudhindra S Bhat
5 years 26 days ago

All the happy returns of the day.

The best thing that you have done is to make me move. You have set the inertia in the right direction.

Mark
5 years 26 days ago

Happy birthday video http://www.youtube.com/watch?v=-nnIxA9AFWI as requested.

Derek P. Collins
5 years 26 days ago

Happy Birthday Ramit! You, your blog and your book have helped my wife and I automate our finances and we’re well on our way to being completely debt free! We now have an emergency fund, we’ve opened up retirement accounts and, as I said, we’re nearly out of debt. Thank you for sharing your knowledge and encouraging us to be smarter with our finances!

Jonathan
5 years 26 days ago

Hey Ramit — Happy Birthday! I wanted to say thanks. Your writing has pushed me to set (high) revenue goals this year, and has kept me motivated to meet them. I’m saving significant amounts of money, and am generally better prepared for the future because of your book and your blog. You rock, keep up the great work!

jcran

Vinayak Maheswaran
Vinayak Maheswaran
5 years 26 days ago

Happy Birthday Ramit!
I improved my negotiation skills greatly. Also, developed confidence and realized the importance of practicing before going in for a job interview.
All of the e-mails have been great. I can’t wait to get the money to buy your course!

Georgia
Georgia
5 years 26 days ago
Hronia Polla Ramit! (happy bday in Greek) It was your emails, posts and E1K that got me off my butt to finally make it happen, an on the side business that I was just ‘postponing’ for someday… I got paying clients, working now on releasing my website (it was your guidance to stick on the IMPORTANT things first, which is getting paying clients…) and basically put me on the mode of viewing the world where I can MAKE my future instead of expecting it to happen specially while we (as a country) are experiencing serious economic crisis. The way you… Read more »
Sylvia
Sylvia
5 years 26 days ago

Happy Birthday Ramit! Thanks for writing your book. I finally opened a online savings through your link and am earning more interest now than before thanks to your “push”.
May your BD be filled with all the things you love.

Mary
5 years 26 days ago

Happy Birthday! Ok, IWT has taught me to just effing do it. Stop with the excuses, just hit
The ground and go. I used your no nonsense approach to raise almost 2k for a volunteer trip I’ll be participating in this August in Peru. Yay!

Robert
Robert
5 years 26 days ago

Happy bday Ramit !

Earn1k has helped me over the psychological barriers of earning more. I am currently joining a group of young investors to put together our minds and invest as a collective. I’m also polishing some really good ideas, on earning money on the side, which I was able to generate using your material…

Cheers, Rob
(Cape Town)

Mercy
Mercy
5 years 26 days ago

Happy belated birthday Ramit!!! Hope you had an awesome day. Now, while many of the ideas and tips are not available to me e.g. the 401k and stuff like that (I live in Kenya), your blog has challenged me to look for the equivalent here. I am saving more without struggling, I have automated most of my bills, and I am currently working on the conscious spending. Thank you.
P.S.: THe fact that I am actually doing something now is the biggest achievement of all.

Andreas Rönnqvist
5 years 26 days ago

Hi!

First of all, congrats on the birthday! 🙂
Second of all, your blog and book have helped me automate my finances (still a work in project, not everything is the same in Sweden as in the US), tackle debt and almost becoming debtfree, increasing my side incomes and opening me up to the potential of a third and fourth revenue stream into my life.

So, thank you!

Claire
Claire
5 years 26 days ago
Happy Birthday, Ramit. I have been flossing my teeth every day since January when I listened to the interview with BJ Fogg and he gave that exact example. This may seem like a small thing but not really as it was a bigger than normal challenge for me with a disabling illness. I was starting to see deterioration in my teeth and gums and was worried that by the time if I achieved a remission, I would have horrible teeth. 😀 Even without the illness, it would be an immediate daily long-term behavior change. It’s good to hear from you… Read more »
Mansi
5 years 26 days ago

Hi,

Happy Birthday

I got the inspiration from your website to start my blog. my blog is three months old and I am very happy for the same.

Visit my blog http://www.economysavvy.com/ & leave your suggestions

Have a great day.

Jason Flamm
Jason Flamm
5 years 26 days ago
Since reading I Will Teach You to Be Rich I have successfully negotiated a 14% Raise at work, going from 105$ a day to 120$ a day. An extra $300 a month in my pocket… basically, like getting a part time job’s pay for the same work I do anyways. I also started an online savings account at ING, which doesn’t have a lot of money in it (yet!) but continuing something is a LOT easier than starting something. Currently I have 10$ a month automatically going to it. I plan on raising that amount soon, since I have some… Read more »
Debra
5 years 26 days ago
Hi, Ramit. I really do wish you a happy birthday, and I want you to know that you actually have helped me a lot these past few weeks. When I first started getting your e-mails (and I don’t even remember how I heard of you, unless maybe it was from either Chris Guillebeau or Tim Ferriss), I thought “Oh, cool’ I need to re-focus and handle some of my finance stuff and this guy seems to really care about and know a lot about that stuff” So I read the messages, but what happened is that with one thing or… Read more »
Sarah v
5 years 26 days ago

automate. automate. automate. I put ALL bills, student loans, car payments etc on automation for MORE THAN the minimum amount, and paid off over half of my loans, paid off my car, and am well on my way to automatically saving for wedding, house, vacations, etc.

My birthday is on Saturday, July 2nd, and I am also turning 29, and I think the lessons from IWT book targeting young people my age are priceless! I’ve purchased this book for many of my friends who were going nowhere to help boost them on track too!!

Thanks Ramit, and happy happy birthday!

Kazza
Kazza
5 years 26 days ago

Happy Birthday Ramit!
The big thing that I got out of IWT was to automate savings payments. Make it easy to do the right things….thanks for writing your book and have a lovely day

Jacky
Jacky
5 years 26 days ago
Where to begin? 1. Cost as opposed to value. I used to think paying for things was lame, but to actually calculate things and to see the value in it freed me up a heck lot. 2. Life is negotiable. I hated talking to customer service on phones or home repairs, but turned my questions into strong requests (“can you ___” VS I’d like you to ___. Thanks! I finally DID something about it and got results. 3. Make the environment conducive to success – stop ‘trying harder’. Still working on that, but yup, negotiating through it. Happy birthday 🙂… Read more »
Gail Rajgor
5 years 26 days ago
Hi Ramit, Yesterday was my birthday too (bit older that you though!!) – so belated happy birthday to you my young fellow Cancerian. I’ve not been signed up to your blog long, but have already gain much from it – mostly in regaining my long forgotten confidence. In the last few weeks I have increased my social networking profile by building up my web presence, blog, and joining things like Linkedin. And it’s paid off: I have gained three new clients in the last two weeks. I have also been way more confident dealing directly with people in all respects… Read more »
Mindaugas
Mindaugas
5 years 26 days ago

I used money back guarantee 🙂

I bought “Find Your First Profitable Idea” and later understood that it is not the product I need at the moment. Successful use of money back guarantee encouraged me to buy another product: the “Natural confidence program” from Morty Lefkoe. Which helped me very much 🙂

Ester
Ester
5 years 26 days ago

I took action and I run my first half-marathon this year (not money related but…). I took action, eliminated barriers and limiting beliefs and something that was just a wish come true.
Thanks and Happy Birthday!

Hendre
Hendre
5 years 26 days ago

Helped me save a lot more monthly so I can go on holidays and afford my own place!

Ursa
5 years 26 days ago

This year I have submitted stories to three different journals/anthologies, and written the first draft of a novelette. The longest piece of original fiction I’ve ever completed.
You made me think not just ‘what do I want?’ but ‘what can I do about that RIGHT NOW?’
And also, ‘What’s the worst that could happen?’
To which the answer is, ‘Not a lot, really.’
Happy birthday, Ramit. Hope your day is at least fourteen kinds of awesome.

Dan
Dan
5 years 26 days ago
Ramit, I can’t thank you enough for the information you’ve shared through your site! I just accepted a new job offer that provided me an instant 25% pay raise, significantly improved benefits, a week/year more vacation time, and opportunities to progress professionally at the new company that just weren’t going to happen at the old place. Thanks to your advice, I knew exactly how to present myself to the new company in the terms they care about, and sailed through the salary negotiations like a pro. I’m also a big believer in your philosophy of making money on the side,… Read more »
Luis F
Luis F
5 years 26 days ago

Hi Ramit, im reading you about a month, the same time that i moved from my natal Puerto Rico to Springfield MA. I need to say that your tips are helping me a lot. You motive me to be more conscious about my spendigs. And one of my best achivments are that yesterday i open my ING Direct account, thanks to you im now in my way to the hustling. Thank you for this website and have a Happy Bday,

Katie
Katie
5 years 26 days ago

I learned that I should have multiple income streams. Not there yet but it’s a goal… My behavior is slow to change.

Zaina
Zaina
5 years 26 days ago

I am encouraged by every email newsetter I receive, even if I don’t always put the contents into action. I look forward to them.
Thanks and happy birthday.

Rishka
Rishka
5 years 26 days ago
I haven’t yet signed up for the course or bought the book, but decided to sell my excess handmade jewelry online, after reading your emails about earning extra from my hobby. My first month I made $10, 6 months ago. My bridesmaid set became popular & during the last 3 months made at least $300 p.m. Increasing each month, I spend a hour 2-3 times a week on this hobby & paying down my debt! Paid off 2 credit cards, one more to go! Who knows this may become full-time! Thank you for the inspiration! And hope you enjoy your… Read more »
ROBERT HARKINISH
ROBERT HARKINISH
5 years 26 days ago

I`ve paid off $50,000 in cc debt since IWT, and have automated my savings, and I`m going full tilt boogie on saving for retirement.I`m 62 now. Thank you for changing my life.

Fenixpro
Fenixpro
5 years 26 days ago
Aloha, to be quite honest I have not used anything directly from your site or course. I do however file your emails and read a bundle at a time when I am able. I write more to agree with an emphasis you make and to thank you for putting it into the world. And that emphasis in my own words is: there is no time and no tomorrow. You must act now – to whatever degree – on what is important to you. Otherwise you live life unactualized and ineffectually. We all die, but not everyone lives. Mahalo for the… Read more »
Nemo
Nemo
5 years 26 days ago
Happy Birthday, Ramit! I started reading your blog when I was 17, and just starting business school. I’m a junior now and at 20, I earn in a month just as much as my brother does (he’s a doctor). The best thing your blog has taught me is overcoming psychological barriers. Once I got rid of the blocks I put on the path myself, earning money at the side has never been easier. I work part-time at two leading organisations in my country, and still have time to maintain the top five percentile of my class (Yeah, I’m a geek… Read more »
Evelyn Guzman
5 years 26 days ago

This is just to wish you a belated happy birthday and may you have many more to come!

Penny
Penny
5 years 26 days ago

Hi Ramit,
Happy Birthday.

IWTYTBR Blog is one of the first blogs to be addressed to people like us in the 20s & 30s. How yto manage the money when we are free from the obligations of school.
To be it’s also the first blog on automating your finances and the clear percentage each category should have!
Because of the strategies in Make1k, I have made that per month and am working towards ideas of turning that into passive income.
Thanks Ramit!

Jenn
Jenn
5 years 26 days ago
I posted last night, and in the meantime remembered 2 other ways that you’ve helped me! 🙂 1. The mindset I’ve adopted from your e-mails was a contributing factor in my recent decision to start closing down an online business I ran for 4 years. The business made money, but not enough for me to justify the time and financial investments I was making in it. (And the nature of the business was such that raising rates was not really an option). Being choiceful and freeing up my time will now allow me to focus on other more profitable ventures.… Read more »
Frank Denbow
Frank Denbow
5 years 26 days ago

Happy birthday man! You’ve helped me focus my efforts on the psychological aspect of purchasing behavior in consumers. Understanding motivations and incentives instead of building cool tech first.

Ashley
Ashley
5 years 26 days ago

I took your advice and automated my finances. I set my 401(k) to automatically rebalance every quarter between the various investments. Now I don’t have to worry about doing it manually or about being tempted to not rebalance at all if one mutual fund is temporarily performing better. Thanks to you, I know that over the long term it’s better to stay disciplined and keep the portfolio balanced.

PS- The 30th is my birthday, too. 🙂

Jonathan M
Jonathan M
5 years 26 days ago

I’ve automated my and my wife’s savings. Since that time, it has allowed us to pay off 2 phases of renovations in less than 3 years totalling over 40K without borrowing!

Thanks for your help along the way and Happy Birthday! 🙂

Pete
Pete
5 years 26 days ago

Happy Birthday (a little late)!

I just finished your book, which gave me a new perspective on how to manage expenses and the information to get started investing. I struggled with the number of decisions paralyzing my ability to take action (both in investing and not), but now I can look beyond a single decision and see a bigger picture!

Thanks for a great book!

ann
ann
5 years 26 days ago

I have started my 401K, negotiated credit card fees for the last and current year to zero, convinced my husband to make use of his Roth IRA, set up cheaper bank account, automated my savings and understood how important habits around money are.

pat alexander
pat alexander
5 years 26 days ago

After reading your book, I was still hesitant to automate my bill paying …what if I didn’t have enough money in my checking. So, I decided to make imaginary automated bill paying – first of the month, I sit down, and in 5 minutes pay all my bills myself. ( I had never made online payments before) The results: I spend most of the month with less worry about bills, its over and somehow I seem to be getting it all paid with a bit more left over. Happy Birthday !! Many thanks !!

Michael Alexis
5 years 26 days ago

I finally opened an ING savings account. Deposited the $100 to start, and have $20/month automatically transferred to it. It’s not much money – but a huge feeling of accomplishment to have done sth I’ve been “meaning to do” for 10 years. Plus, now that the system is in place, I’ll be able to ramp up the amount when I start working full time.


Michael

Jason
5 years 26 days ago
I’ve toyed with the idea of teaching Vietnamese traditional instruments on the side for some time now, and I was already resolved to do it, but your advice helped me find the courage to pursue students for instruments of which I wasn’t even an expert! Right now, I have two students learning Vietnamese zither with me. I was direct and honest with them that it wasn’t my expertise, but that I knew how to TEACH them, even if I was not an expert performer myself. Now, by teaching, I’m getting better at this instrument myself, and I’m finding new ways… Read more »
Michael Alexis
5 years 26 days ago

You’ve also helped bring my life into focus. Really. In the last few weeks its been like a light turned on inside me. That’s from our conversation (about way more than just blogging), chatting with Andrew Warner, making progress with WriterViews, etc. “Wish” it had happened sooner – but really glad it has now.

Thanks.


Michael

Ed
Ed
5 years 26 days ago
Ramit The biggest things I have learned from you are the concept of focusing on infrastructure instead of will power for behavior change, and the concept of optimizing asset allocation. The talk with BJ Fog was great. I wanted to make sure I flossed everyday – so I bought those little floss “picker” things and put them in my shower and do it in there every morning. I’m standing there anyways, and the floss is kept in a soap caddy thingy at eye level, so I do it. I wanted to work out more, but I realized I needed to… Read more »
James
5 years 26 days ago

Hi Ramit, Happy Birthday and thanks for the blog!

Besides giving me hope that a freelance side income is a credible reality if it is ever needed, you’ve also encouraged me to think about what I would want to save for in the future (beyond retirement). I spent a few minutes doing some maths, and I’ve realised that a lot of the income I will have (in the job I start next month; I’ve just graduated) I shouldn’t see as disposable income.

Thanks!

Smit
Smit
5 years 26 days ago

Happy Birthday Ramit!

This year, your book has helped me pick out (and set up/optimize) a high interest checking account with Schwab, and got me to start my Roth IRA and fund it with $1000 so far.

Marianne
Marianne
5 years 26 days ago
Happy day-after-your-Birthday!! I read your book at the beginning of this year. It was recommended by a family member and I have since purchased a copy for myself and my brother as well as encouraging two high school friends to peruse your site. This book came at an optimal time for me. I had several savings accounts open but I hadn’t actually been funneling money into them on a regular basis. I started direct depositing money into the additional savings accounts (as opposed to just splitting between my main checking/savings and pushing money into the other accounts when I needed… Read more »
Chantal
Chantal
5 years 26 days ago
Hi Ramit and happy belated birthday. I bought your book and was struck with your easy to understand and omplement instruction. I was married, unemployed and pregant with my son and desperate to find a way out of the $30,000.00 in debt my husband and I had accumulated. Through your book I successfully structured a plan and have been able to reduce our debt to $21,000.00. I’m now employed and have started an automated savings plan as of last month. I’m also using rour Earn1k preview to help in the freelance business I’m starting this year. When I’ve got my… Read more »
Jessie Alan
Jessie Alan
5 years 26 days ago
Happy Belated, Ramit! Thanks to you, I finally buckled down and called my creditors to get some pretty ridiculous and outdated blemishes taken off my credit history, and my score is now just shy of 800 with all 3 institutions. And, I’ve automated my savings – but I need to take it a little further and open separate accounts elsewhere because I’m finding it a little too easy to steal from myself on occasion…needing new shoes for a wedding counts as an “emergency”, right? I’m on the verge of taking the plunge with Earn $1k, but would like to save… Read more »
Zahra Langford
5 years 26 days ago

Happy Birthday Ramit! You have accomplished a lot in your short life and you should be proud 🙂
I read your book earlier this year. I enjoyed the writing style and followed your recommendations. I have eliminated my credit card debt and set up my automated savings/bill paying system. I feel much more in control of my finances, I have set some savings goals and am on my way to accomplishing them!

I’ve been reading your blog for a while and today signed up for your mailing list. I look forward to learning about how to increase my earnings potential.

LizC
LizC
5 years 26 days ago
Apologies for the late birthday wishes. Hope it was a good one, or you have a good celebration this weekend. I did want to respond to your request. The best thing IWTYTBR has done for me has made me examine my behaviors. I love how you point out that anyone who comments “great post! I’m going to get right on this!” or something to that effect is really not going to do anything. Until you said that, that was absolutely me. You’re right; it feels good to read a great post/article/what have you, then nod to yourself and say, “Yes!… Read more »
Perry Osuna
5 years 26 days ago

Happy Belated Birthday I hope it was a great day!!!

Nick
Nick
5 years 26 days ago

Your site taught me to write from the other person’s perspective- ie what needs of theirs can I fill, as opposed to the other way around.

Athenea Beltran
Athenea Beltran
5 years 26 days ago

Happy Birthday Ramit: Great Elmo photo! You have absolutely brought back the fire and motivation in me to create to the best of my abilitites! This week, I acquired my very 1st paying client, $1,000k paid in full!!!! I feel stoked! Happy Bday and thanks. Since my website is not quite done, I went to the colleges and posted my ability to process F-1 student visas & adjustment of status & suddenly sporatic phone calls came in! I even got an English native executive calling so that I may renew his non-immigrant document…stoked, very stoked

Daniel
Daniel
5 years 26 days ago

Your ideas helped me to make my first US$1,000 on the side training people.

Lisa
Lisa
5 years 26 days ago

Happy Birthday, Ramit!!! Your generosity with the wealth of information has helped me to be aware of my financial situation. I had opened an ING savings account in 2007 and with your advice I went to open another one because I had completely forgotten it even existed. I now have been saving 25% of each paycheck in that savings account and i have never seen the amount of interest I am receiving!!!

Vlad
Vlad
5 years 25 days ago
I was always good at managing my finances, but when I moved here from Europe 7 months ago I must confess that I was completely lost. I had no idea what an IRA was, what’s the difference between IRA and Roth IRA, how the credit score works or what 401(k) meant. Your book and your site helped me understand how the system works here and how to make the best choices. And trust me, it’s very different from the Romanian system! The last few months were mainly about survival so I couldn’t really use a big part of the info… Read more »
Roger's Mom
5 years 25 days ago

Here’s a happy one-day-late-birthday greeting and my appreciation for the *Earn 1K* content you’ve developed. I have definitely learned a lot from your model and although I’m still trying to hit the right idea, having the structure that you’ve provided is going to get me there. You’re inspiring and entertaining and definitely provide a ton of value. Thank you.

Lauren
Lauren
5 years 25 days ago

Automating my accounts was a brilliant move and I really appreciate your philosophy of money not taking up a huge chunk of your time.

Echoing others you have fantastic content up for Earn $1K so thanks for that as well.

Annie Markantonatou
5 years 25 days ago
first of all, sorry for the typos.. I’ve found your blog a few days ago, i’ve subscribed to your earn1k and slowly i’m getting the big picture. I believe i can do a lot of things. But i’m changing my mind very often. With the very first article of yours i’ve realised -finally- what exactly my skills are and my strengths. But, unfortunately i live in Greece and you know in what nightmare position we all are. So there is a huge difficulty to earn extra money from others. Only from the internet i can do stuff. I wanna thnk… Read more »
Karla
Karla
5 years 25 days ago

Belated Happy Birthday and I’m very grateful for the techniques from wealth creation to breaking my psychological barriers that is regards of money. Your knowledge helped me a lot ever since I stumbled in this site and not to mention that I have other plans to do. And again, belated Happy Birthday to you.

Hisho
Hisho
5 years 25 days ago
I got the book because obviously I wanted to be rich, I never had a money problem, but am constantly chasing my salary every month, and sorta to make reading it easier I started searching for videos for Ramit, and I found one where he is being interviewed and mentions how horrible it is to set a budget, and I thought it cannot be that horrible, I never set a budget, I might as well try it, see what he means by that. I mean how horrible is horrible ? so in order to set the budget, I needed to… Read more »
paul c
paul c
5 years 25 days ago

Opening a ING savings account and setting up an auto deduct from my checking account. That is a scary pic, were you auditioning for Sesame street?

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