Jack

Is this webcast going to be saved and provided for download later?

westindianladee

How do you get clients if you want to freelance offline and not in the internet?

EmilyS

I am in a good job now. I have$30K I am going to use to pay down loans. Which loan do I pay off first — a 6.5% fixed rate govt loan (which is more flexible if I need any deferral in the future) or 5% variable (LIBOR-linked) private loan? I hear interest rates are going down, but you never know.

George

What is a good way to setup contractually freelance work? Should you collect up front? Collect after?

Laura

Do you have any advice on finding a part-time (30 hours and less) office job? Most jobs seem to be $8/hr. I have been able to do ‘full time’ jobs in 3-4 days. How do I introduce the idea when interviewing? I just wanted to see how others would handle it.

Josh

I would like a book.

Joseph Dearman

Ramit, I have a wedding in exactly a year. I’ve saved for half so-far. How should I, or, should I invest in the meantime?

Amanda

Thanks for the comment on what to do with no debt and extra money after IRA and 401k are maxed out. That is something that my husband and I have been trying to figure out for a long time.

Daniel Roberts

Thank you so much for answering all three of my questions. I’ve been wondering how to establish credit for a while now. I really appreciate all of your great advice.

I promise I’ll read a book if I get one.

Karthik Sainath

I am in early 30s, no debt, maxed out my 401 K, invest just about $5000 in individual stocks, and currently saving my money in ING for a down payment on a house…I live in SF city and yes, I know you advice against buying especially in cities like SF or NYC.
But my question is if I do wanted to buy anyway, I want to know if I should start investing in Roth IRA or continue to save the cash for down payment.

Thanks a bunch…Your articles rock and will soon sign up for your Scrooge site.

Asif

Great stuff, hope you do more!

Claudia

Your Money or Your Life is one of my favorite books.
For a wedding gift I often give used copies of three books. Your Money or Your Life
The Complete Tightwad Gazette
The Wealthy Barber
A good way to start your married life off frugally so that you’ll become rich together.

MK

I work at a job that pays quite little (less than $15/hr) with no benefits. I would like to get a job in film editing. How can I afford to take the necessary classes and get an education while working at this job and not using emergency funds (none of the places that offer classes have scholarships). A film editor starting out can make $20 – 30/hr. A more experienced one, $50/hr and so on.

freecia

I spent half what I usually spend per month last month. Mostly because I would get a tip each day, which I usually couldn’t apply, but it reminds me to be mindful of what I spend. The best tip was the no spend days. That saved me a bundle.

James

How could I give the Scrooge Strategy as a gift to people in my family?

Violetta

Dear Ramit, I am so glad I found your website! I am in my 40s with two sons your age, one married and paying off his student loan and one still in college. Believe it or not, but all three of us enjoying your comments and ideas! Especially now, when I was laid off (after 11 years), I will definitely use your advise. We wish you much success. We would love to get some of the books. Thank you.

Ryan

Ramit- Per your request for questions on the live video –

I made the mistake of working through college at a job that made me decent money, but was a dead end in terms of helping me figure out what I want to do. I was at that job for almost 2 years and recently left for a lucrative opportunity that did not work out. Now I am jobless and having a tough time finding a new job because I do not know what would make me happy/what I would be great at. What should I do?

Gabriana

I read Ramit’s blog regularly. I found it through Penelope Trunk. I did the Save $1000 in 30 Days Challenge with my mom and we had a great time seeing who could save more! This site is great and Ramit’s chat today was very informative. I already signed up for the Scrooge Strategy as well. I’d love to get one of the free books from the chat please! Can’t wait to read Scratch Beginnings and Mindless Eating. Thanks especially for talking about renting versus buying. You are fantastic and I’ve saved a bunch!

EmilyS

For those looking to open savings account sub-accounts on ING,
log into your account, and click on Open an Account. You then give the account a nickname and fund it with at least 50 cents. You can then set up automatic transfers into that account.

Stephanie PTY

Thanks Ramit! (Glad you liked my “Don’t butt in with family members – give Suze Orman books” comment).

My question is actually related to that: what if you do have family members that won’t save themselves, and you know that you’ll eventually be financially responsible for them? (Yeah, they’ve already read several Suze Orman books, not helping…)

Right now, the best thing I can do is put aside as much money as I can, thinking of them as additional children to support eventually. Do you have any thoughts?

RT Wolf

I missed the chat and I really hope someone recorded it and is willing to share.

Someone asked why some people complain about the expense of buying personal finance books, not understanding its an investment. I believe that’s precisely it; it’s an investment and most people aren’t geared towards thinking about investments vs expenses. I might even argue that Rich Dad, Poor Dad is about getting you to think about investments rather than expenses.

To the above commenter about family members who are irresponsible and immature (I don’t mean this in an insulting way–they lack responsibility for themselves and are lacking the maturity to be responsible), you can try reading It Pays to Talk, its about talking to your family about money. It may not have the answer you’re looking for (I haven’t read it) but it comes highly recommended from The Simple Dollar. I’m facing this problem myself and I firmly believe that you should let them crash and burn, as long as they’re able to work. They’ll figure it out eventually. I’ve been on both sides of this, and I firmly believe my crashing-and-burning period was very, very important to becoming the man I am today, and who I will be tomorrow. In fact, I didn’t shape up until it hit me: I am the only one responsible for me life. I have no safety net and no one to blame if I’m not where I want to be in ten years. Realizing that it was all upto me was very important in my development. It’s hard to be firm, especially with the kinds of things family can do to try to persuade you, but sometimes you have to do something that’s hard in the short term but will improve things in the long run. You may want to write a letter and tell your family your decision if its too hard to do otherwise.

Dave

If ramit’s cool with it, I’ve already uploaded the last ~35 minutes of it to sendspace and posted the link in the video’s chatbox for those who attended and could just post it here, but he did say he probably wasn’t going to post it himself so I dunno.

Chris @ BuildMyBudget

I would like to listen to it as well if anybody recorded it. Cheers!

F

I’d like to listen to it as well if anybody recorded it. Anyway, this was a fantastic initiative, Ramit!