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15 Little Life Hacks

Quick favor for my birthday?

701 Comments- Get free updates of new posts here

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I turn 31 this weekend, and I was thinking about all the cool things that happened in the last year.

In the last year, I got to build an amazing team behind IWT that’s helped us grow explosively and help millions of people live richer lives…without cutting back on their lattes.

I got to take incredible trips:

This is me in a Black Hawk helicopter

But best of all is getting to test my psychological chops with the most formidable opponent of all: an Indian mom who’s dead-set on getting me married.

In the last few months, I’ve stalled her (“I have to focus on my career”), bewildered her (“How do you know I want to marry…long pause…a GIRL?”), and even bet her $1,001 on who I will NOT marry. Yes, my Indian mother seriously bet me money — the first bet she’s ever made.

But the thing I’m most proud of is the results the IWT community has achieved. In fact, I now have 2 people on my “testimonial” team, whose entire job is to manage success stories like these.

I love it because 10 years ago, I could have never done what I do. But today, we can work on living a rich life together.

So it’s funny that every year, when my family asks me what I want for my birthday, I never have a good answer. The truth is, I have everything I need.

But I will ask one thing from you:

All I want to know is, how has I Will Teach You To Be Rich helped you?

For my birthday, will you share one specific thing that I Will Teach You To Be Rich has helped you to do? Maybe it was paying off your debt, earning more money, or finding a Dream Job. Maybe it was handling money better with your partner. Or even mastering your own inner psychology. All I ask is you get as specific as possible!

I would love to know, and it would make my day. Just leave a comment below.

And, as always, thanks for reading.

-Ramit

 

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701 Comments on "Quick favor for my birthday?"

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brandy
3 years 27 days ago

Helped my husband (unemployed and underemployed for about 8 years) find an awesome 6 figure job! Priceless 🙂

Amy
Amy
3 years 27 days ago

The best thing I’ve applied from your material is getting all my bills lined up to be paid together at a predictable time every month. Stress levels dropped from having a well defined schedule and I get a warm fuzzy feeling from watching my fat bank account balance the other 3 weeks of the month!

SarahL
SarahL
3 years 27 days ago

Ramit, your fantastic subscriber newsletters taught me how to focus on the job skills I wanted to use, craft a killer resume, nail the interview, and get hired in a professional job outside my field after 5 years as a stay at home mom. To put it mildly, you are the bomb-diggity. Happy birthday!

Kacie
3 years 27 days ago

Happy birthday! Hope it’s a wonderful year from you.

I’m a SAHM (a 2yo, 4yo and one on the way) and have no interest in launching a business for myself right now. However, I’ve used a lot of your advice from your book for just managing our family’s finances.

For instance, your automation techniques? Gold. Saves so much time and it works.

Though your ideas are primarily geared toward people working for themselves, I’m trying to see if I can broaden some things to fit my life today.

p.s., celebrate with a Taco Bell Mexican pizza! I triple dog dare ya.

Kacie
Kacie
3 years 27 days ago

*for you. Geez.

Jamie Giedinghagen
Jamie Giedinghagen
3 years 25 days ago

How do I *like* this comment??? I think I’m also going to get a Taco Bell Mexican pizza for Ramit’s birthday.

Pauline
3 years 27 days ago

HBD! I learned a lot thanks to you, mostly about human psychology. I had the basics of finance already but it is impressive to see how with just a few triggers you can change people’s behavior, get them to pay you more, hire you out of 10,000 contractors, and so on. Thank you for that.

John
John
3 years 27 days ago

IWTYTBR has helped me setup a financial system. You also introduced me to BJ Fogg so you get some of the credit for my new tiny habits. I’ve learned how to Negotiate through No-Stress Negotiation. I had a successful negotiation with my boss and am taking on new projects (that will result in increased pay).

Daniel
Daniel
3 years 27 days ago

You’ve taught me that paying off my credit card debt is vital, but use the leverage the credit cards give me in order to reap the rewards that they’re baiting us all with.

Luke
Luke
3 years 27 days ago

Your book saved me HUGE over the years. It has been the best investment to date yet! One of my proudest uses from your book was when I got my current 29k in person, $16k internet price vehicle knocked down to 12k after running my last car into the ground (literally was worried about the check engine light popping on again at the dealership) I made the sales person, and his boss, sweat

Thanks again for the advise you give, and Happy Birthday

Rose Dela Cruz
Rose Dela Cruz
3 years 27 days ago
Hi Ramit, you have helped me a lot in realizing and reminding myself to never forget what I really want in life. I’ve always wanted to study and live in Italy for at least a month, and ever since I picked up your book and subscribed to your website, I think I’ve gotten closer to achieving it. I’ve always thought that I need to wait to pay off my student loan first, and this has held me back, but your advice about paying it off aggressively, and getting a credit card that gives travel rewards, are helping me realize that… Read more »
Drew Curtis
3 years 27 days ago

Automate my finances, negotiate credit card interest rate from 12.99% to 6.5%, and I will be using the briefcase technique today when I speak to the CEO of a new debt management company.

Thanks Ramit, Happy Birthday!

Justine
Justine
3 years 27 days ago

First and best thing I learned from IWTYTBR was how to automate my money and bills. It’s allowed me to get out of debt and start investing. Thanks and Happy Bday!

Ed
Ed
3 years 27 days ago

I haven’t read through the first chapter of your book yet because I am an idiot, but before I started negotiations with my boss, I looked over everything I could find on your website and your YouTube videos.

I am now immediately making $35,000 more per year than I was 2 weeks ago, have 5% ownership in the company, and get a percentage of company revenue (not profit).

I have a feeling I might be on the extreme ends of things, but either way you look at it, you helped me get what I wanted!

matt
matt
3 years 27 days ago

IWTYTBR helped me plan for retirement and get me a job paying me what I’m worth when I was content with mediocre pay for so many years.

Andrew
Andrew
3 years 27 days ago
Happy birthday, Ramit! The IWT book helped me completely turn around my financial life from stressful and poverty-ridden to automated and saving money, even though I’m a poor grad student. RBT has helped me forge some incredibly valuable relationships, destroy a few huge invisible scripts, and learn how to add value to top performers. Dream Job helped me get off my butt and get a job that pays me triple what I currently earn as a student teacher/tutor. I start in August. Earn1k helped me turn my $20/hr tutoring side business into a $50/hr tutoring side business. I am also… Read more »
Kaye
Kaye
3 years 27 days ago

I’ve learned that the time spent on things like salary negotiation and starting up a business have way bigger payoffs than the time spent on frugal living (like couponing and shopping at thrift stores)!

Andrew
Andrew
3 years 27 days ago
Happy birthday, Ramit! The IWT book helped me completely turn around my financial life from stressful and poverty-ridden to automated and saving money, even though I’m a poor grad student. RBT has helped me forge some incredibly valuable relationships, destroy a few huge invisible scripts, and learn how to add value to top performers. Dream Job helped me get off my butt and get a job that pays me triple what I currently earn as a student teacher/tutor. I start in August. Earn1k helped me turn my $20/hr tutoring side business into a $50/hr tutoring side business. I am also… Read more »
John Sawers
3 years 27 days ago

I learned to break out of the scarcity mindset while looking for a job, to realize that I’m in demand, and I have some control over the process. On my next job hunt I won’t even need a resume. It’s a revolution in thinking.

Sam
Sam
3 years 27 days ago

Automate my finances to help pay down my debt.

Happy Birthday.

Colby
Colby
3 years 27 days ago

Happy Birthday Ramit!

Your comments and challenges in RBT has helped me to craft stronger questions, surround myself with people more aligned with the life I want to live, and push through the reluctance to speak up even if the thought isn’t perfect. A colleague from pre-RBT recently said that I come across as a completely different person-much more confident, relaxed, and open. Thank you!

Eric S. Mueller
3 years 27 days ago

One specific thing IWT did for me was getting me to overcome my fear of automating my finances. I was terrified of it because of a bad experience in the Navy, when they screwed up my paycheck just in time for my car insurance to auto-debit.

But now, I have a system in place. I keep a spreadsheet that tells me how much needs to come out every check into a seperate account. All of my bills get paid from that account. What’s left in checking (however little) is mine.

Stocky Malone
Stocky Malone
3 years 27 days ago

Helped me take my freelance grant writing rate from $20 to $35 per hour (even though Ramit claimed in a recent email that people won’t pay for this skill…)

Jamie
3 years 27 days ago

Your Earn 1K on the Side program has helped me break through “Levels of Abstractions” that often drain motivation. It has enabled me to GET TO WORK on building a side business. Thanks to you, I’m more consciously building a system to get inside clients’ heads, write effective emails, and keep trying harder…instead of giving up. THANKS!

Alex
Alex
3 years 27 days ago

Happy Birthday!

IWT Book
– Set up Vanguard acct and automated savings to it.
– Learned about credit score, etc and got all that stuff in order

Earn1K
– Took skills from my full-time job and put it into some contract work. Since 8/12 have earned 3K from one client so far. I would’ve earned half that much if I didn’t watch that bit about determining what my rates would be. I originally was going to ask for half as much as I did.

Shamsa
Shamsa
3 years 27 days ago

Since treading the automating finances I have been able to save about $2000 a month vs $1000. By not seeing it I don’t spend it. It’s so much easier than creating and maintaining a budget. My next step is to tweak it so I have different accounts to different expenditures that may not be routine so I don’t feel bad about taking money from the cookie jar.

Thanks!

Chris Yeh
3 years 27 days ago

Getting started on your birthday early, eh?

One of the most important things I’ve learned from Ramit is that you can be good-looking AND succeed in online marketing. Gives hope to the rest of us.

Jess H.
Jess H.
3 years 27 days ago

Here’s my year to date:

1) Landed my first big contract for my freelance business – six figures.
2) Hired people to work for me.
3) Landed my dream job at more than double my current salary.
4) Negotiated a 10% bump over the initial offer.
5) Got compliments from my new supervisor at my “masterful” negotiating and interviewing skills.

And it’s only June!

Matt
Matt
3 years 27 days ago
I’m working on a spare-time project that I needed to do some research for, well outside of my training/expertise, and also outside of my network. IWT helped me to ignore my invisible scripts (“why would a doctor spend time talking with you about this project?”) and just make the call and ask for some help. And of course, IWT helped structure my request for help so it was well-received. As it worked out, I had a great lunch with a specialist MD, who was enormously helpful to my project. (And here’s a little bonus, because it’s your birthday, Ramit. At… Read more »
Pat
Pat
3 years 27 days ago

IWTYTBR has helped kick me in the pants about getting my finances on track. Happy Birthday, Ramit!

Matt Becker
3 years 27 days ago
IWT was the first place I learned about automating my money. It was also the first place I learned about having sub-savings accounts. I’ve implemented both and it’s made my financial life much more organized and much less stressful. I also watched a webinar and stole some of your email scripts for reaching out to and following up with professionals we wanted to meet. I used one of your script to get informational interviews with about 10 different financial planners so far (the field I want to move into). I admittedly haven’t committed to making the career switch, which I… Read more »
Daniel Blanchard
3 years 27 days ago

I’ve automated my finance following IWTYTBR book and cut down credit cards debt from 57,000$ to 32,00$ in a year while only spending an hour a month on my finances, liberating my wife from the task in the process. We are both most welcome!

Thanks you, and happy birthday!

– Daniel

Mickey
Mickey
3 years 27 days ago

Opened my mind to the psychology behind ‘persuading’ myself to take action

P
P
3 years 27 days ago

Id like to thank you from the bottom of my heart for the invaluable tips on testing a whole bunch of stalling scripts on my mom (Indian!) about the Mega M. I’m happy to report that its been 2.5 months since any mention of the M word from her…and she’s still talking to me…WOW! Thank you!

HBD Ramit! Have a great one.

Ryan
Ryan
3 years 27 days ago

I send out about 6 cold-emails to people in an industry I thought I might want to work in, got responses from two of the people, had an informational phone interview with one of them, and eventually decided that I didn’t really want those jobs after all, and I moved on to other things.

Rus
Rus
3 years 27 days ago

Amsterdam trip via automated savings.

Kiriko
3 years 27 days ago

Since reading IWT and joined Earn1K and Brain Trust, I’ve gotten my finances in order, started a side business with my partner that made us 20K last year and continues to grow, and helped me leave a 26K/yr job for a 56K/yr job. My demotivating background scripts (that kept me in a constant state of apprehension/delusion about my financial and business situation) are dropping off the more IWT material I read and apply. As a result I feel empowered and very excited for what the future holds. Happy birthday Ramit, and thank you for your work!

Pablo Gutiérrez
Pablo Gutiérrez
3 years 27 days ago

Hi Ramit,

I have learned to have a solid finance system that gives me freedom and confidence. Now I know how much I am spending in each category (food, parties, transportation, etc). Finally, I am investing my extra cash and having great results while I’m sleeping.

It’s my birthday too! So have a great day and I hope we meet one day.

Best regards.

Dan Cardenas
Dan Cardenas
3 years 26 days ago

Helped me get the confidence needed to advance in my career and increase my salary…best part is I continue to grow and this site has been a key contributor to my success. Thanks again Ramit.

Cole Van Vlack
Cole Van Vlack
3 years 26 days ago

In my job as a post-doc you helped me get a 20% starting salary with the No Stress Negotiation course. When that was complete, I was able to negotiate another 10%.

Your productivity course helped me gain ~2 hours a day, which really paid off when I was finishing my PhD thesis after my wife and I had a newborn.

Happy Birthday!

Stephanie
Stephanie
3 years 26 days ago

I used one of Ramit’s email scripts to land my dream job at one of my industry’s top companies in my city. I sent the CEO an email asking to basically pick his brain about his business for 15-20 minutes. Suprisingly, he agreed and was so impressed by my thought out questions during our talk that he offered me a job on the spot, never realizing that I essentially tricked him into an interview.

I started in January and couldn’t be happier. Not only have I found my dream job that pays awesome but I’ve also found a mentor.

Esther Hsu
Esther Hsu
3 years 26 days ago
Ramit, your articles, books, and interviews with other great entrepreneurs in the space have introduced me to the first steps of getting my life together, breaking down psychological barriers (invisible scripts) that have held me back for a long time and helping to build up my self-esteem. I still don’t know exactly what I’m doing or planning to do with my life, but hey.. this is a start! I never though I could learn how to handle my finances. In fact, during this last year, I drove myself very close to debt, even after a friend of mine gave me… Read more »
Craig
Craig
3 years 26 days ago

Ramit,

Thank you! You gave the courage (and the knowledge) to ask for not only a a raise, but also a promotion this year. I kept thinking “make Ramit proud” and I did.

Andre Vaughn
3 years 26 days ago

Hello I am new to your blog and it seems very interesting. I will definitely re-visit for the different tips and insight on making money. Happy Birthday to you and thanks.

Ana P
Ana P
3 years 26 days ago
After writting a really long comment, I’ll just make a long story short. I am one of the most financially aware 26 yo I know (and I’m not even close to where I would like to be!). A lot of it is on you. I have been reading your blog for 3 or 4 years now, and as soon as I got my very first proper job, I bought your book. I managed to save, in 4 months, enough to buy a (used good) car. I need it for my second job (that starts in less than a month). I… Read more »
Timothy Moser
3 years 26 days ago

Besides instructions for getting all my personal finances in order, Ramit first opened my mind up to freelancing and online business. I have no idea where I’d be right now without IWT, but I know now that I am unemployable, and I’m so happy to know that. The world is so much bigger than I thought it was.

Craig
Craig
3 years 26 days ago
Hi Ramit, I owe you a big thank you! I used the material on your site to negotiate a 10K raise and a promotion. All while our executive team is currently on reduced hours and pay due to the company’s financial situation. They put another department under me without giving me any compensation. I turned that around as an opportunity to ask for a promotion to director and a $10,000 raise. That’s a big win and one of the biggest raises I have ever gotten. Being a software developer and a people pleaser, it is really hard for me to… Read more »
AMB
AMB
3 years 26 days ago

Found my dream job. Between salary and benefits I went from $49,000 to $93,000 a year, not to mention a job that I like going to everyday. I have since received a $5,000 raise in my first six months due to the additional tasks I took on. Additionally, the company (a non-profit) has given $2500 worth in bonuses in the last 8 months. Finally, I work from home. It was the tips from Dream Job on researching and prepping for my interview that got me there. Thanks Ramit!!!

Rob Fredericks
Rob Fredericks
3 years 26 days ago
Happy Birthday Ramit. I’ve been reading your material for the past year and the best way I’ve used it is me and a close friend of mine came up with a financial system for myself. We used ideas and concepts from several different authors (you included). I started using this system in May of 2012. In the first month I found $300 that I was just spending without realizing it. I took this extra $300 and applied it towards my car payment to help pay it off. In the past year I’ve opened an IRA, paid off my car, and… Read more »
Malini
Malini
3 years 26 days ago

Auto-deduction for automatic savings. Simple but brilliant! Less reliance on willpower but more so on a system.

God Bless you Ramit, and Happy Birthday! May you always be happy, may you always be healthy, and may your life and the lives of your loved ones always be filled with love, joy, happiness, and … yummy food!

Malini
Malini
3 years 26 days ago

Oh yes, and through your Brain Trust program, you “introduced” me to James Altucher… whose blog in turn helped me more than anything… his words helped me get through my depression and healed me. Oh ya… and he also reminded me of my childhood love of games and backgammon! God Bless!

Josh
Josh
3 years 26 days ago
IWT has taught me to pay for value. Instead of trying to make the most of free material, I have really learned to take advantage of other people’s obsessions and time to help me get to where I want to be. I’ve learned that I can’t do it all alone, and even if I could I don’t feel like it. I’ve invested in myself by dedicating a specific savings account for it, paying for multiple IWT programs, taking mentors out to eat, and even as far as going back to school. I can honestly say that before becoming a reader… Read more »
Leah
Leah
3 years 26 days ago

Happy birthday!

When I picked up your book and started reading your blog, I already had most of my finances in place, my dream job, and a side gig. What really helped me was guilt-free spending. I will pay off my house mortgage by 2019, I was making all my financial goals, yet I still felt guilty for spending the other money I had, enjoying my life. No more! I’m much more focused on having a rich life. Thank you so much!

Daniel
Daniel
3 years 26 days ago

In the last year, since you’re 30th birthday, I finally started taking action. This site lead me to quit my job that I wasn’t overly thrilled with for a better job. Some of the perks are.

– Better people.
– Significantly more time off.
– More respect in my department.
– $51,000 more in salary!!!
– People who see me now say I’m like a new (much better) person since I’m no longer stressed all the time.

Had it not been for this site, none that would have happened.

Thank you and happy birthday!!

Matthew D. Huff
Matthew D. Huff
3 years 26 days ago

Helped me get out of my comfort zone and start working on starting a side business. I’ve been using your scripts and ideas to reach out to professionals and freelancers in New York who are doing things I find interesting.

Sonia M.
Sonia M.
3 years 26 days ago
Happy 31st birthday Ramit! It’s hard to pick just one. I’d say it’s the whole Natural Networking and closing the loop shift in mindset. I’ve always wanted to connect more with people in my field and professionnally in general, but never knew how. At least not in a “clean” way. Shifting my mindset and applying the techniques have contributed in me having a richer life. For instance, if it had not been for you, I never would have spend a week with a dear friend who visited me from Ottawa. She left yesterday. We had lost touch about 5 years… Read more »
Kris French
Kris French
3 years 25 days ago

All of your content has given me an incredible amount of ideas and the confidence to start my own business. I have a meeting with my partner to kick things off on Monday. Can’t wait for this journey to begin. Thank you for everything.

M.L
M.L
3 years 25 days ago

I learned to stop taking myself for granted at my job by realizing my true worth to my company.

Eli
Eli
3 years 25 days ago
I must have watched and listened to the tear-downs and hot-seats on the Interpersonal Skills course a dozen times. The biggest lesson to me was during one of the “Ratesh Hot-seats.” The student was struggling with how to tell a co-worker his idea was poor (in this case, measuring a website’s success by how many hits it received, without considering revenue or other important metrics). Ramit’s suggestion was, instead of challenging the idea, to ask more general questions, such as “how do you think about metrics, obviously there are all sorts of metrics one could consider,” comments that open up… Read more »
Sachit
3 years 25 days ago

Here’s one – IWT has led to a complete change in mindset of how I approach work and life. Specifically, it’s helped me get to work with someone I’m super inspired by.

Oh, and using negotiating mindset and principles – I negotiate 85% off a medical bill, got a $25 overdraft fee reversed, etc. etc.

Pramit
Pramit
3 years 25 days ago

Your material is helping me to become a top performer. For example, I add value to busy “famous” people without expecting much in return — a strategy I used to great effect with my professor, the former editor of a popular magazine, and a Thiel 20 Under 20 Fellow. Taking your courses (DJ, E1K, etc…) lets me play a game that none of my 22-25 year old friends know exists.

Happy birthday, Ramit! I look forward to seeing what’s in store for the IWT empire in the coming years.

Angie
Angie
3 years 25 days ago
Hi Ramit, Just over a month ago, I discovered your blog. I poured over the content while waiting on your book to arrive from the library. Full disclosure: I’m older than your target audience, but for the first time in my life, I have the opportunity to have complete control over my finances. I’ve been devouring personal finance information for a year now, but felt overwhelmed and a bit paralyzed at the possibility of making the wrong decision with my money. So I read, and I learned a lot, but did nothing else. Your blog changed all of that. Once… Read more »
Shea
Shea
3 years 25 days ago

Love this comment. Just bought I Will Teach You To Be Rich — only a couple of chapters in but that list above is inspiring!

Dan
Dan
3 years 25 days ago

I’ve taken your advice to heart about having a rich life. I’d previously saved quite a bit despite making a good income. I would occasionally deprive myself of experiences because of the anxiety around whether I’m saving enough. Now I have a good balance of saving and spending on experiences that truly matter to me. I loved your book and I’m looking forward to whatever comes next. Happy birthday!

Tony
Tony
3 years 25 days ago

I used FYFPI to bring in side income so that I could live more comfortably during a minimum-wage internship in NYC. Good times. Now I’m on to Earn1k, and I’m realizing how crucial it is to properly define your target market. It’s difficult to do, but so important.

Also, having automated finances is pretty dope.

Thanks.

kelli
kelli
3 years 25 days ago

Happy Birthday! Your emails are a daily pep talk to say the least. I’ve both broadened and focused my thinking, and am challenging my ‘scripts’ too. Thanks for making it clear, logical and possible.

Julie Stremfel
Julie Stremfel
3 years 25 days ago

Happy Happy Birthday!!!! What a great feeling to be able to say ” I have everything I need” That’s so wonderful! YOU are helping so many people! You’re a wonderful man. I have been sick so I have not been able to try it. Do you think it would work on Doctors so I could get my surgery I need?? Have the BEST Birthday Ever!!

Julie Stremfel 😉

Najlaa
Najlaa
3 years 25 days ago

Finally i understood, whats meaning of credit, and how to stablish a good credit history, as i recently moved from a middle east country, where there is no credit cards debets at all.

Jennifer
Jennifer
3 years 25 days ago

Happy Birthday!:) I hope you are enjoying your day & celebrating it with loved ones!:) I am handling my money better. My next goal is to work on the wealth part of it & become debt free.:) That’s is where I need the extra help & guidance to achieve my goals. Have a wonderful Birthday!:)

Arielle Hale
3 years 25 days ago

IWT has taught me to automate my bills, how to invest for my future through a Roth IRA, and how to spend money on myself first by automating my savings. I will also be out of debt by the end of this year.

Shawn
Shawn
3 years 25 days ago

I’ve been able to increase savings for my retirement by 20%

Sarah
Sarah
3 years 25 days ago
Happy Birthday! I am still in the process of reading this book, but it has been helpful for me in getting serious about my finances. As a 30 year old, it’s time I do that, but I haven’t had anyone to coach me through the steps I should be taking in terms of dealing with debt, setting up accounts, investing etc. It seemed overwhelming and your book has helped simplify it with steps in plain English. Within the last week, I actually LOOKED at the details of my checking and savings accounts which I’ve had since I was 18 and… Read more »
JanPattersonRN
JanPattersonRN
3 years 25 days ago

Happy Birthday.

IWT has given me hope that even as old as I am, and as specialized, I can clean up my late-acquired student loan debts, keep finding work I love that pays me well, and be paid for sharing my knowledge and expertise as a Registered Nurse with over 3 decades experience, instead of aging out of active practice and ending up broke and alone.

Blessings on your head, m’dear.

Dom M.
Dom M.
3 years 25 days ago

Get all my financial accounts lined up and automated finances for saving. Also the book IWTY was one of my favorites and guiding points for success. Thanks and talk to you soon Ramit.

kapil bhatia
3 years 25 days ago

I learnt a lot of things but primarily I learnt “how to teach” and “how to write emails” from you.

CLehn
CLehn
3 years 25 days ago
Though I am still reading the book, it has helped by: – giving guidelines for myself to manage more properly – motivation and basic knowledge to build a foundation – help convince my partner of how much work needs to be done – become more strong and persuasive in bargaining – how awesome you are for being a great guy I am a male who is only 21 years of age, but you have paved a guideline and route for me to build a healthy foundation. I have no one else to help tell me these things so you inspire… Read more »
Alexa
3 years 25 days ago
IWT was the first blog I read about freelancing and working on bringing in that extra $1,000 a month. At first I didn’t know what to do and thought that I would never be able to make an extra 1k a month. I have finally broke down those barriers! Last month I made almost $400 freelance writing and this month I should easily be able to hit the $1000 mark. I have stuck with my rates and found clients who WILL pay me what I want. It’s great to feel in charge and empowered!! Thanks, Ramit. Happy Birthday! You’re awesome… Read more »
T
T
3 years 25 days ago

I got a job working for a billionaire right out of college. I just graduated a month ago. Can’t reveal any more details to preserve anonymity, but Dream Job is what kickstarted the process in which I began reaching out to people who eventually guided me to being at the right place, right time to get this job.

You’re the man!

Kevin
Kevin
3 years 25 days ago

After reading IWTYTBR I automated all of my bills and monthly saving. I now rarely think about my finances, always have guilt-free spending money in the bank and I’ve beefed my savings account up with thousands of automatically-deposited dollars. You’re the man, Ramit.

Priyanka
Priyanka
3 years 25 days ago

I was able to negotiate for a higher salary assertively.

Evan Mays
3 years 25 days ago

Subconsciously gave me new strategies which were instantly implemented.

Abbie
3 years 25 days ago

Ramit you’ve encouraged me to get off my ass and look down ANY avenue to make my dreams happen.Thx! Happy birthday!

Dan Barry
Dan Barry
3 years 25 days ago
Hi Ramit! Happy birthday! Found you a couple months ago when a trusted friend and productivity geek shared your “Dinner for a year” contest. Been tuned in ever since. Your material’s biggest help in my life so far? Well, you’re getting me to confront psychological blocks that have kept me underemployed for a year and a half now. That’s huge. And a few days ago, your two-prong payability test helped me refine my marketing — I’m now designing an entire campaign targeted to clients who are the best match for me. It was your material that made me realize that… Read more »
Christin
Christin
3 years 25 days ago

Automation and negotiation changed my life!

Guillaume
Guillaume
3 years 25 days ago

The blog and the book helped me understand investing (and start to do so!), lean towards NOT owning a house, get a $2,500 increase on a job offer (plus moving expenses and an extra week of vacation!), negotiate internet bills (and get out of a contract without paying the stupid fee).

Happy Birthday!

Donna
Donna
3 years 25 days ago

Happy Birthday Ramit,
You’ve been an inspiring example of what’s possible for me as I create my first business at the age of 57. You’ve given me practical approaches to keep expanding my thinking and helped me to explore new ways to monetize the business while sincerely being of service to people.

Thank you very much, Ramit,
Donna

Daniel
Daniel
3 years 25 days ago

IWT helped me understand how to invest for my future (indexing!), automate my finances (auto savings!), and (most importantly) the ideas (and I didn’t even take Dream Job) helped me land a six-figure dream job right out of college.

Ray
Ray
3 years 25 days ago

I have learned that I can save money . Automatically . And , I can invest for retirement , without expensive help , or great risk , at little or no cost . I now have a path towards a better retirement . Not perfect retirement , but a start . This is HUGE for me — Thank you Ramit

Aaron Benitez
3 years 25 days ago
Hey Ramit, Although I have not enrolled in any of your programs yet, I’m a big fan. I’ve been reading your posts for more than a year now. I find them very amusing and inspiring. The whole psychological framework you always talk about is one of the things I usually find myself talking about too. So, let’s say every time I read your work I feel like I connect with an old friend whom I admire a lot. What you are doing is not about making people richer – it’s about changing the world. And I like that. Happy birthday… Read more »
Alan Neal
Alan Neal
3 years 25 days ago

So far, Ramit, you’ve done absolutely NOTHING for me. I don’t even know who you are!

Marie
Marie
3 years 25 days ago

Automating my finances has allowed to me start paying down my student loans (highest interest, of course, which still accrues interest on my dime while in school), invest in a Roth IRA, fatten up my savings account to 3k while throwing the rest at the student debt, and get a few high quality life-lasting items for myself- while still paying rent and bills, all on my crappy graduate student salary. Yippee!

Amanda Wintermans
3 years 25 days ago

IWTYTBR has helped me to form myself an idea on how I want to design my professional life and it has given me some ideas on how I can do that and what things I have to keep in mind along the way. (I’m just eightteen, so I’m only at the very start of my professional life.)

Emma
Emma
3 years 25 days ago
It probably sounds very strange, but your videos on interviewing have helped me in my everyday communication with customers via email, which is what I do for a part-time job in my family’s business (I haven’t even graduated high school yet, so I haven’t used the techniques in actual interviewing). The response I’ve gotten from customers has been amazing. For example, I had a customer email wondering about an expensive product we sell. My reply actually convinced her to buy the product, just by focusing on how it could help her – something I’ve seen you discuss in your videos… Read more »
Peggy
Peggy
3 years 25 days ago
Ramit – IWT has taught me to be responsible for my financial situation. Over the last few years – with your guidance – I’ve applied for many jobs, got a few interviews and ended up increasing my hours at both my part time jobs to increase my income steadily- albeit not largely. My husband has been doing this also. We are in our early 50’s with two boys in university and we are planning our golden years. Both of our boys also have two part time jobs. IWT has taught us all to take responsibly for our selves – including… Read more »
Laura
Laura
3 years 25 days ago

Hi Ramit!

It brought me back the belief that I’m not the only person in the world left who feels the need of changes and is so clueless about what to do next and what is the better way to approach it.

Thanks and Happy Birthday!

Btw: I don’t know if you are married, but if you are not – you don’t have everything! That’s the general belief, isn’t it?

Akash
Akash
3 years 25 days ago
Greetings Sir. I stumbled on your website about a year ago, full of doubt especially at the name of your blog. I managed to crawl out of my hole of preconceived ideas about onlone frauds and realise that, actually, what you were saying was an application, gonzo way, of all principles I had learned through Dale Carnegie and my recently completed MBA. Yes, gonzo way. Because to tell people that a pay raise is actually about starting off with respect, even when you know that you are grossly underpaid, is one hell of a psychological barrier for most. Thank you… Read more »
Erik
Erik
3 years 25 days ago

Helped me manage my $$!

Elsa
3 years 25 days ago

Happy Birthday!

I have learned how to really focus in and figure out who my target customer is. Also, your video discussion about having enough energy, not enough time to finish tasks was a real eye-opener.

Thanks much!

-Elsa

Iain Taylor
3 years 25 days ago

Hi Ramit,
I am reading your book for the second time now, it’s simply brilliant.
The one key thing that you and the book have helped me do was to reduce the APR of the credit cards I have. This has now led to implementing an advanced finance automation process.
Thanks Iain.

Emi
Emi
3 years 25 days ago
In IWTYTBR I learned that I had to eliminate the things in my life that don’t give me results but I was doing them because of “society’s standards” (in other words, what I am suppose to do without questioning it, such as “business cards and facebook page are the first thing you should do when starting a business”), and improve on the things that I believe will get me better results in several aspects of my life (80/20 strategy). PS. What on earth where you doing in a Black Hawk helicopter? Is that how you were trying to escape your… Read more »
Shirley Goff
Shirley Goff
3 years 25 days ago

Automated my bill paying. Simple but wonderful.

John Comberiate
John Comberiate
3 years 25 days ago

I’ve been reading your blog for almost a decade. Originally, I was a programmer sitting in a cube by myself all day. Now, I have my dream job running my own business working my way up to a six figure income. Happy Birthday, and thanks for all you do!

Merrett
3 years 25 days ago
Happy Birthday Ramit! It’s actually not IWT that has helped me the most but rather, your no BS, non-PC, humorous way of being that inspires me to do the same. I often find myself holding back, not wanting to offend anyone but then not feeling like I am really being myself. Seeing you do this and be successful I think reflects a new generation and new way of doing business and I want to be part of bringing down the shields of inauthenticity. Thanks for leading the way! And, since it’s your birthday I will add that you’re kind of… Read more »
Elie
Elie
3 years 25 days ago

Happy birthday Ramit! DJ helped me get a 6 figure paying job right out of college!

Sean
3 years 25 days ago

There was advice from you in (I believe) a blog post to prepare a typewritten brief when going to a client meeting or job interview and bring it out to refer to at some point in the conversation.

This was excellent and valuable advice.

I can point to two deals (one client meeting and another a job interview) where this helped create tens of thousands of dollars.

Not that it falesely conveyed organization and preparation, but revealed them in just the right way and at the right time.

Great tip.

Thank you and happy birthday.

Mukesh Sethi
Mukesh Sethi
3 years 25 days ago
Hi Ramit, Wish you a very happy B’day hope you have a great day. I picked up your book “I will teach you to be rich” coz I wanted to see how my bro that is you (same last name as me) has written a personal finance book. Honestly I was impressed with your humor and the examples you gave in the book, which although I knew most of them coming from similar Punjabi Indian family (I grew up in India and came to the US when I was 25) and how wasteful Americans are. Although the things you taught… Read more »
Ilana B.
Ilana B.
3 years 25 days ago

IWTYTBR helped me to come to terms with the idea that wanting more is not a crime against humanity.
More importantly, while I knew that the only thing stopping me was me, IWT is slowly, but surely kicking my butt over that psychological barrier.

Melissa
Melissa
3 years 25 days ago

Happy Birthday Ramit!

*Take action
*Speak with authority and interest
*Ask for what I want (lead to a raise)

Kate
Kate
3 years 25 days ago

I loved your spot on weddings and savings. I always thought $20,000.00 for a wedding was insanely expensive… until I started planning. I liked your practical approach to this and have always kept this in mind since!

Jim Matthews
Jim Matthews
3 years 25 days ago

“you’re customers don’t care about you” , actually this should be reworded to “your customers don’t care about you’re problems” Your customers don’t care about your drama, your overhead, why you couldn’t get the job done, etc. In short no one wants to hear your bitching in life in general, and especially in business. That’s what service really is, getting the job done without the drama. Look to Trader Joe’s or Stabucks, you will rarely see them rattled by customers. WHY? because they are well trained and have exceptional management. Happy Birthday, Sarva Mangala!

Ilana B.
Ilana B.
3 years 25 days ago

Happy birthday! Wishing you a great day and a successful year! May it be the best year yet!

Paul Weinberger
Paul Weinberger
3 years 25 days ago

Saving an hour per day.

Shana
Shana
3 years 25 days ago
Ramit, you have helped me focus on making more money instead of living on a budget, penny-pinching etc. I truly RESPECT that you told me I could not take the earn 1K when I told you I have credit card debt, but could pay for the course from money in my savings account. I ended up taking your Find your first profitable idea course. Well that course paid for itself immediately. Now I have a side business with 1 client that generates $900 a month for 15 hours month. The opportunity feel in my lap. If I had not being… Read more »
Jessica
Jessica
3 years 25 days ago

It helped me realize my professional worth and how to act aggressively, yet politely, to make other people see that worth (2 raises in less than six months!) and helped me defeat some of my negative inner dialogues.

Janet
Janet
3 years 25 days ago

Happy Birthday and many more, Ramit!
You have given me the self confidence to find a niche and make some extra cash PLUS I am having mega fun doing this. God bless!

MiKO
MiKO
3 years 25 days ago
IWT helped me to stay open to understanding how people that I am not like think and do things. It’s good to be open to new ideas, and it’s good to appreciate different approaches especially when they are successful. You are building something good with your business, that is a service to all kinds of people. I’ve appreciated your point of view and applied it in my cover letters, resume and networking. I don’t get stuck in conversations, and I do find ways to share with others the help that I’ve received (from you and others) when possible. Networking isn’t… Read more »
Zoe Neill
Zoe Neill
3 years 25 days ago

You are exceedingly persistent. That itself would be sufficient. You’re also extremely hard-working and never ‘not at work’.
Your methods would be difficult for me to employ as a general practitioner in the UK NHS, but nevertheless interesting.
Get married and have kids, Ramit, and you’ll realise that they are worth more than you can ever imagine earning. Make your mother happy.
Happy Birthday, Zoë

Roberta
Roberta
3 years 25 days ago

I’ve learned how to negotiate better looking for a job and with starting a sideline business. Too many times we count ourselves out based on bad scripts that are outdated and don’t serve who we are now. In terms of exercise, I love the example of the woman that couldn’t do 3x a week of exercise but hadn’t considered 1x or 2x instead. Do something not just all or nothing and being flexible is essential.

Garrett Daun
3 years 25 days ago

IWTYTBR has taught me many profound lessons over the past 3 years. I have even achieved semi-passive income, after applying the techniques consistently for over 2 years. Every aspect of my business has been influenced by what I learned in the Earn1K course. Most recently, Ramit has inspired me to aim even higher, for luxury markets as a consultant. I continue to apply what I learn on a daily basis. So thank you and happy birthday.

Mike G
Mike G
3 years 25 days ago

Automate my finances, pay down almost all of my credit card debt (on track to be debt-free by Halloween), leapfrog my teaching career by years using your free advice, and earning over 1k on the side using only free advice. I’m still digging out of that hole, but on track to doing bigger and better things!

Brandy
Brandy
3 years 25 days ago

I learned to focus on the big wins, and not to sweat the small stuff. We segregate our savings into categories, which help keep us on goal for the things we want. I loved your book, and love your advice. Happy birthday.

Chris
Chris
3 years 25 days ago
Automated my finance and got me thinking about how the systems in my life can help or impede achieving my goals. I’m really learning to make strategic investments that will help me get there. A really simple example: If I want to get fitter, riding my bike to work would help. What got in the way of me riding my bike to work each day is I did not having a bike. I realized the reason I didn’t have a bike was because I felt all the deals I saw on craigslist were crap and the bikes I saw in… Read more »
Agnes Kowalski Santiago
3 years 25 days ago
Ramit, happy birthday. I bought the book. I took action immediately simply by using the scripts and asking as you recommend in the book. I got fees refunded for the last 3 months in my bank account, I got my cc limit raised which helped my credit and gave me some breathing room. I automated savings with just 20/mth and set up 2 other accounts so I’m ready to invest. Set up my child’s college savings plan, knew what the hell I was talking about and more than the clerk at the bank thanks to your book. Opened an ing… Read more »
Lisa
Lisa
3 years 25 days ago

No, kidding – I’ve had to stop taking new clients for a while due to the shoo-in success of your briefcase technique. It makes total sense to everyone. *Thank you* and happy birthday!

Chris FW
3 years 25 days ago

I used an email script that ended with, “no response needed.” To impress a hiring manager. I got the job. Now working on the no stress negotiation course.

DonnaJ
DonnaJ
3 years 25 days ago

Happy Birthday! Using your course to upgrade my online sales skills. Already a consultant to businesses from start-up to $1m +, I want to learn how to increase their online revenue. Just started the course, but the best thing that’s happened so far is: when I found out your target market is 25-35 men. Ha! I’m a 50 yr old woman. Love that I feel right at home with your presentation. Have a great birthday, Ramit.

Peter
Peter
3 years 25 days ago

I partially implemented your basics in your book. Of the part that I did implement, turned out nicely, and of the parts that I didn’t, did not turn out nicely. You helped me gain an overview of my finances. I now know what to do to finish off the job. For the record, there’s a little bit of slack when you have automatic bill payments. A bill date is not a due date.

Rob
Rob
3 years 25 days ago

You’re advice helped me negotiate a better salary than what I would’ve accepted by avoiding to give a number. Your book helped my personal budget by giving a guideline of how to allocate my money to savings, investments, living expenses, and fun stuff.

Jennie
Jennie
3 years 25 days ago

It helped me automate my retirement savings. Got my account all set up with weekly withdrawals from my checking account set to max out by the end of the year.

Luke
Luke
3 years 25 days ago

Ramit,

Your materials have helped me automate all of my finances as I started my first full time job out of school. All my bills are on auto pay and savings and retirement automatically deducted, so now I only have to spend maybe 10 minutes a month on finance stuff. And I feel more confident about negotiating away fees and other things, thanks to your articles. And finally, your investing ladder helped me figure out where my next dollar of saving goes. And the best part? Now people come to me asking for advice 🙂

Lenina
Lenina
3 years 25 days ago

I started selling jewelry on Etsy. I’m paying off my debt. The most important thing was taking action instead of just being anxious about it. I’m happy to find out people are glad to pay for what I do and that’s for sure a (much needed) self esteem boost!

A big thank you and happy birthday!

Sterling
Sterling
3 years 25 days ago

Happy birthday Ramit! I hope you stay single until you find the right one. Your book, e-mails and site have helped my family streamline our finances, upgrade our credit card and take a lot of money stress out of our lives. Thank you!

Chris
Chris
3 years 25 days ago

While all of the advice about automating bills and collecting rewards was helpful and certainly appreciated, I found the statement “negotiate like an Indian” to be the most valuable of all. Since really taking those words to heart and realizing just how often I have left money on the table, I now drive a bloody hard bargain every time I negotiate a deal. It’s saved me thousands, for just a few minutes of extra effort, and it’s loads of fun when done correctly. Thanks, buddy.

firesheep67
firesheep67
3 years 25 days ago

Happy Birthday!

I only receive your free content, but read every email eagerly and your method of cutting directly to the chase has helped enormously in re-framing how I approach my family’s finances to how I go after the next stage of my career. Also love your sense of humor!

Cheers!
FS67

Ben Weston
3 years 25 days ago

I connected with a community of people that have helped me believe in my ideas and turn them into a reality. For example, my idea to teach guys how to feel confident dancing started from just mentioning it off-hand at an RBT meetup. It’s since, because of the community, grown into a reality where I have actually helped men get compliments from women on how good they look dancing. Thank you, Ramit.

Noah
Noah
3 years 25 days ago

Gave me the insights to nail an interview for a job that I knew I could do but on paper looked unqualified for. Thanks, and happy birthday!

Onno
Onno
3 years 25 days ago

Happy Birthday, Ramit! Thanks for your efforts in setting up IWT. The program has really helped me to become aware of my ‘internal scripts’, and, slowly but surely, challenge and change them!

Sunil
3 years 25 days ago

After reading your book “I Will Teach You To Be Rich”, I started to save part of the monthly pay package. This habit has allowed me to build a successful business, live a richer lifestyle and not be worried about finances any more.

Thanks for writing good and well researched articles on this website. Really enjoy reading them and learn a lot from them.

Good luck and Happy Birthday.

Sunil

John O'Connor
John O'Connor
3 years 25 days ago

Happy birthday! In the past year, my wife and I have automated our finances thanks to your book. She also more than doubled her income using the Dream Job course and we’ve been able to start planning for starting a family because of it. This year has kicked so much ass. Thanks for helping us take steps towards a ‘rich life!’

Ellen
Ellen
3 years 25 days ago

I’m still studying medical coding for a 2nd career, but a firend and I have both been convinced that it’s the focus on speaking to people active in the field that opens the door to a job. She has got a job following your rule and I’m defining which communities of coders I will access. Thanks.

Mark
Mark
3 years 25 days ago

Nothing

Robert Seymour
Robert Seymour
3 years 25 days ago

I have been better educated about the value of consulting for businesses to help them be successful.

Bibi Gnagno
Bibi Gnagno
3 years 25 days ago

Helped me get my ish together and get off my butt and actually pursue a side hustle that makes money. Start owning my own life and making it happen with some guidance from your blog, it’s definitely possible!

Nancy
Nancy
3 years 25 days ago

It got me through my divorce! Within a year, I was able to budget and live within a significantly reduced income. Going from a six figure household income to only a disability pension wasn’t easy, but I have survived and haven’t missed one bill payment!

David D
3 years 25 days ago

Happy bday!
1.automate more of my life
2.not sweat the small stuff
3. Share your knowledge with my students
4. Talk with my family and friends about money.

Pamela Slim
3 years 25 days ago

Your stellar consulting advice at the start of 2012 helped me to thin out and focus my product offerings, raise my prices, strengthen my brand and improve my results. I am so appreciative of your generosity, and impressed with your wisdom at such a young age. I may be a bit bitter that you are only 31 and so smart, but glad you are in my corner.

Happy birthday and big hugs!

Natalie
Natalie
3 years 25 days ago

Even though I have a background in FInance and Economics, until I started reading your book and blog, I was incredibly afraid of personal finance. Thanks for helping me change my perspective and giving me the (palpalble and comprehendable) tools to tackle my financial situation. I’m 22 and already have a grip on how I am going to finance the rest of my 20s. I’ve shared your book with many of my recent-grad friends. We’re all VERY grateful for your ability to add humor and relative ease to the process of setting up a financial base.

Thank you!

Thank you

Carolynn
Carolynn
3 years 25 days ago
How has IWT helped me? Let me count the ways, from just the last year alone: -Paid off $10k in debt. -Lost 10 pounds. -Ditched 90% of the toxic people in my life. Not counting relatives, of course, but I limit my time with them, and some of them I’ve actually turn into more optimistic people with the super ninja moves I learned from Ramit. My grandmother’s always trying to convince me to play life small so I’ll be “safe”, but with some psychological hacks she’s now more likely to agree with me when I tell her about the (smart)… Read more »
Simon
Simon
3 years 25 days ago

The budget idea for household spending. Really helped me to focus on what’s important and got me guilt free spending! 🙂

p_mwilliams
p_mwilliams
3 years 25 days ago

I learned from IWT not to hold myself back from opportunities just because I feel I might not be good enough for it. It’s much better to let a potential employer tell me no rather than rule myself out completely.

As a result, I took on much bigger projects than I previously had and built a strong portfolio. Now I’m freelancing with a large company doing exactly what I’ve always wanted to.

It’s a great feeling to know all the hard work I’ve put in is steadily yielding results, and IWT continues to help me along the way.

dhani
3 years 25 days ago

Í learned tons of things, but a few of the things that changed the way are work where:
-ask my clients there budget, a few times I made more than if I had offered a price first.
-choose my clients, this made all the world of difference, I work with people I like and they refer me to the same type of people

Abby
Abby
3 years 25 days ago
Freeing me from financial fear and anxiety for the rest of my life. More colloquially: teaching me to do awesome things with money so I can do awesome things without worrying about money. I discovered your blog in December 2009; I’d graduated college that spring. My financial management strategy was “panic.” I saved some money but I had no idea what I was doing and I scrimped all the time without understanding why. My first apartment was a converted garden shed with two pieces of furniture and I ate so many scrambled eggs because they were cheap protein that they… Read more »
Lenina
Lenina
3 years 25 days ago

“Freeing me from financial fear and anxiety for the rest of my life”
That’s just awesome. That’s a great gift!
Cheers!

Bunny
3 years 25 days ago

I have automated all my finances. Started an automated saving program and the most important thing has been how to elvauate money making opportunities and keep trying. I am a mother of a 30 year old son and I tell him time and time again…marriage is over rated. Don’t do it unless you want children.

Alex
Alex
3 years 25 days ago

Your emails picked me up when I was feeling low. That’s one of the greatest gifts anyone can give.

Julie
Julie
3 years 25 days ago
Dude – you are simply very amazing! I’m 50 years young – so I could be your mother! I have a super cool 12 yr old son of my own though – so I’m good! I have found you to be a total inspiration for living a great life! I love that you have done your own thing throughout the past 31 years – and I say bless your loving mom! She obviously did a great job and loves you. So you will find a woman who is as lovely and as great as she is… I know some fabulous… Read more »
Rob Smith
3 years 25 days ago
I took the Resume Course and used the methods learned there to create an online resume. The online resume turned into a Resume podcast, and the resume podcast has turned into a lucrative side business that will net me 2x’s my current income in September through the sale of advertisements on the podcast. The whole website was designed to archive what I know, what I’m learning, and track my growth. It has been amazing. It will change my life beginning in September when the advertisers pay (they have all paid 50% down to reserve the spot). Without the resume course,… Read more »
Shaeema
Shaeema
3 years 25 days ago

lol..Mrs Sethi … I enjoy reading your mails, keeps me motivated with the things I am achieving, recently started reading your book and taking everything in as it comes. Happy birthday Ramit.

Paul
Paul
3 years 25 days ago

You’ve helped me understand the importance of negotiation. I’ve committed to honing this skill in life, with regard to the work I do, planning salary negotiation, dealing with financial institutions, making major purchases, etc. I’m an active reader of your newsletters and I loved the IWTYTBR book. Thanks for the great content!

Jillian
Jillian
3 years 25 days ago
Happy Birthday! I have been receiving your emails for about six of months and I felt I needed to leave my first comment since its your only birthday request. One of the best things I learned was helping me realize my own barriers that I need to overcome. After reading a few emails about it, I realized I would always makeup an excuse on reasons why I could not do something. And I still find myself doing it. But I know just by reading all you’re emails, I have gained more valuable knowledge compared to all my years in college.… Read more »
Christie Leonard
Christie Leonard
3 years 25 days ago

Your ideas on mastering your own psychology have been very helpful.

Gary Scott
Gary Scott
3 years 25 days ago

Ramit,
Your success is not only inspirational and empowering, but most importantly, your clarity and communication style demonstrates that it is ATTAINABLE !
Your message is compelling and it resonates !
Well Done !
Take the day off and celebrate your life. You deserve it !
CHEERS,
Gary

Simon
Simon
3 years 25 days ago

The “85% rule” from your book helped me kicking in and start doing things, instead of procrastinating (been doing that for 10 years!) I am in the process of fixing my finances and lost almost 40 kilos in the process. Oh, and I stopped being scared by indians! I must confess it, please don’t take this in a bad/racist way!

Chad Swiatecki
Chad Swiatecki
3 years 25 days ago

IWT has taught me that I can succeed without relying on a day job for “stability” (like my parents and family have constantly preached) and that I’m the one who determines how rich of a life I’m going to live.

Jill
Jill
3 years 25 days ago

Your blog post on getting inside your customers’ heads helped me write the advert which got me 4 clients for my side business.

You get me to think ‘screw it, what’s the worst that could happen?’ and say yes to things, even if I’m nervous. And you convinced me it’s OK to just be pretending to be confident, even if I’m not feeling it.

You rock. Happy birthday.

Deborah Hall
Deborah Hall
3 years 25 days ago

I found my market: persons with a need and desire for what I offer, and the ability to pay for it.
No more fuzzy thinking. I’ve got what they want. And it gives me joy.
Thank you.
You also p____ed me off. You made some stupid put-down of some “old lady.”
I thought: I’ll show HIM who’s old 🙂
I’m 64 and I’m on my way to becoming rich. MANY of your ideas are helping me.
THANK YOU!!!! You are a genius at growing rich people.

Simi
Simi
3 years 25 days ago

“I’m 64 and I’m on my way to becoming rich.”

I love this! Thank you for showing me it’s never too late.

Kirsten
3 years 25 days ago

So far I’ve used Dream Job scripts to network into a completely new, proof of concept position that starts at the end of August. I’ll have two months to prove my worth and move it to full time. I’ve also gained so many amazing friends and mentors from RBT, people that are worth their weight in gold. I just got off an Invisible Script Demolisher session, and I’m kind of in awe of the realizations I came to in the last two hours. Definitely feeling like the best is yet to come!

Happy Birthday!!

Sarah
Sarah
3 years 25 days ago
Thanks to the Q&A session with your personal trainer friends – as well as your repeated rants about people who manufacture excus s when confronted with a golden opportunity to improve your life – I learned about Paleo diet and did my first whole30 (super-strict Paleo for 30 days), which had me sleeping better and feeling better than I had in over a decade – plus I shed10 lbs and at least one dress size. The new energy pushed me to start Crossfit, and begin reaching out to friends I’d lost touch with while living abroad. This newfound energy plus… Read more »
Shivs
Shivs
3 years 25 days ago

I used your Dream Job videos to become a much more prepared interviewer. I did not get my Dream Job and will need a some more experience before I do because I’m still a college student. However, I did get my FIRST internship by starting a conversation and having a guy on the inside do all the work to get me there. It may not be where I want to end up, but it is a fantastic stepping stone and has done a great deal for my confidence. Thank you and have a great birthday!

Fel
3 years 25 days ago

You’re just the bomb, dude! Your advice has literally made me thousands of dollars in just a couple of months.

I recommend you to the world over, and will do so until, you know. The internet pitters out of existence.

Have an AWESOME birthday. xxx

Graham
Graham
3 years 25 days ago
Where to begin? -Helping me completely understand how credit cards work and what I can do minimize fees and improve my credit score (lowering APR rates, increasing limits etc) -helping me fully understand the importance and inner workings of 401K’s and Roth IRA’s (I used to be a “invest in real estate” kind of guy, but your book shook that belief to the core, and I am now rethinking/regretting some past decisions) -the simple notion of what actions contribute to disproportionate results; working twice as hard before hand to get 5X ahead (asking real questions about the wants and needs… Read more »
Isabelle
Isabelle
3 years 25 days ago

Happy birthday Ramit!

Over the last year, I’ve:
– lost 10 pounds
– made $15k freelancing
– started exercise 3 times per week
– got my conscious spending plan in order
– changed my mindset
– and more

Thank you for all you’re doing, for all of us

Rachel Karl
3 years 25 days ago

Happy Birthday, Ramit! I would have to say that I’ve been inspired by you. Also, have improved my psychology around running my business, raising my rates and delivering better customer service. Also, I used your negotiate tools and have lowered our cell phone and insurance bills. Thanks for all that you do and keep up the great work!

Jasmine
Jasmine
3 years 25 days ago

Happy birthday, and thank you. There have numerous posts that kicked my butt into gear just when I needed it. Also your email series, completely changed my emails. On top of that, I’ve been using your book to change how I handle my finances. So thanks!

Graham
Graham
3 years 25 days ago

And I still stand by the notion that you should do a workshop with Jay-Z’s sports agency; think about the exposure + insane street cred.

Jen
3 years 25 days ago

IWTY helped me take action on some financial goals, mainly some retirement/savings goals. I decided to work on some things I enjoy, like writing and landed some freelance writing work. I think IWTY motivated me to take some small, consistent actions toward my future, both financially and career-wise.

Kristen
Kristen
3 years 25 days ago
I took the Dream Job course last year and landed a job that I thought was my dream job from all the interviews I did, etc. Turned out it was the completed opposite and I was miserable. However, using the lessons I learned from the course I have now landed my dream job and am earning $10k more than what my original goal was. A lot of it is do to networking and keeping good relations with previous bosses, but what really sealed the deal was the briefcase technique. It was a great feeling being asked “what would you do… Read more »
Richard Keller
Richard Keller
3 years 25 days ago

I Will Teach You to be Rich basically taught me how to grow the hell up, financially speaking. I approach life like a game: its all about finding the strategy that results in a win. 4HW helped me figure out time management, so the next step was managing my money. In the year since I was recommended IWT, my credit score has improved by over 100 points, and I haven’t really changed my spending habits, just developed better strategies.

Mustafa
Mustafa
3 years 25 days ago
In a video, you mentioned the importance of fundamentals over tactics, using the example of how Andre Agassi could kick your butt at tennis even if you had an expensive racket and he had a crappy one. I had been spending time looking for tactics to help me complete my grad school work, but it turned out I was actually using that as a distraction from the actual work. Recognizing this encouraged me to focus on what really mattered- getting into a state of focus on my actual work and staying there, instead of over-worrying about efficiency, productivity, and shiny… Read more »
Cailey
Cailey
3 years 25 days ago

Helped me to realize that it was possible and okay for me to leave behind the corporate rat race to work in an environment that I love. Just left my Fortune 500 job last month for a small tech start-up, and I’m loving it! I’m excited to go to work everyday now!

Cailey
Cailey
3 years 25 days ago

Helped me to realize that it was possible and okay for me to leave behind the corporate rat race to work in an environment that I love. Just left my Fortune 500 job last month for a small tech start-up, and I’m loving it! I’m excited to go to work everyday now!

John Bardos
3 years 25 days ago

The single best piece of advice that you offered was that cutting out a latte a day is not the best path to success. You taught me that concentrating on earning more money is far more effective.

That simple mind shift allowed me to quadruple my income in my last business.

Lee
Lee
3 years 25 days ago
I took your Dream Job 2.0 course, and haven’t finished it. It was not working out for me to get through the assignments. It was no fault of yours because the course material was top notch. I have spend the last 25 years of my life self sabotaging myself. I graduated from a great university with a great degree, great job, and wonderful salary, but I was frustrated because I can’t get that more I from my job. So I signed up for your course. I realized that the first week of dream job, that one week of focusing on… Read more »
Optimal
Optimal
3 years 25 days ago

Successfully negotiate for lower commissions stock brokeredges, optimize efficiency by unsubscribing to emails that no longer suit me, close any distractions and segment time for greater efficiency. In sum I am accomplishing more in less time and my income has increased accordingly in a clear uptrend.

g
g
3 years 25 days ago

Happy Birthday Ramit! Wishing you a fabulous year ahead .. and a lovely person to get goofy with, before this decade ..!

I will stick to one specific thing _this_ year .. its gotta be that 40k raise .. not the raise per se, though it is a wonderful thing, you made us come out glowing on the other side going through the learning process .. thanks a ton! 🙂

Rachel B
Rachel B
3 years 25 days ago

Ramit,
Your No-Stress Guide to Negotiating helped me negotiate a 7k raise (28%!!) last year, and I believe the confidence I gained from that helped me land a new job where I’m making well over 2x what I had been making less than a year ago!
What you teach WORKS. I’m going to be debt free by April, thanks to you.
Happy Birthday!
-Rachel

Bethany
Bethany
3 years 25 days ago

Happy birthday! You’ve helped me learn to more effectively negotiate money as a freelancer. I know that my time is valuable and now I can more easily stand by my worth. I share that video you made about how to outsmart a recruiter with anyone who’s on the job hunt and now know to never put down a number first. Thanks for all the useful tips and strategies, they’ve helped me focus on what I want and how best to achieve it.

Daniel
Daniel
3 years 25 days ago

You helped me realize the power and importance of paying off debt. Looking forward to Earn1k after I’m in the clear.

Chris Hess
3 years 25 days ago

Ramit,

You have done a lot to help me and my family. From helping with basic personal finance to earning more money on the side. I think, looking at everything, the ONE thing that made the biggest impact is the idea of automating your finances. Not having to think about where my money goes or even worry about 99% of my bills.

Thanks and hope you had a great birthday.

Dave K.
Dave K.
3 years 25 days ago

After reading Ramit’s book, I decided to automate my accounts. After doing so, my wife and I were able to save $2000 and go on a nice vacation without worrying about putting it on a credit card.

Josh
3 years 25 days ago
Happy birthday Ramit! Ramit, your material helped me get over a scarcity mindset I’ve had since childhood, when my mother would always order water instead of soft drinks at resturaunts and was constantly fearful that there wouldn’t be enough. A recent Heidi Grant Halverson book has made me realize that my mother was prevention focused, while my dad, being entreprenuerial, was promotion focused. It was not a good money mix. The climate of fear about money really permeated me. I naturally gravitated to Dave Ramsey and others preaching the frugality gospel for a while, and in an early twenties fit… Read more »
Clint
Clint
3 years 25 days ago

Happy birthday, Ramit!

Thank you for all you do. You have helped me understand myself and others better. I have become better at breaking down psychological barriers that used to stop me from acting on what I want and leave me in a state of limbo and anxiety. I feel lot more confident in interacting with others and am constantly learning more.

J H
J H
3 years 25 days ago
Happy b-day, Ramit! I signed up for your Dream Job 2.0 earlier this year. While I still in the process and I have not found a DJ yet, the course materials has helped in an unexpected way. Using your techniques, emails and language, I managed to get the attention of a hospital’s department head in order to provide some sought after services for my daughter. In fact, this service is not even launching till January of 2014! Just like there is a hidden game for jobs, there is a way to advance my cause for a loved one. Thanks so… Read more »
teresa willis
teresa willis
3 years 25 days ago
In the past two years I’ve gotten out of credit card debt, automated my car payments, saved money for traveling & my wedding. My husband saved enough money to buy us a used Jeep, the right one we need to get us to the places we like to go to explore, camp & take photographs. I also pushed through some of my `I’m not good enough’ barriers and joined photography on-line groups where I’ve made several new friends who give support & honest feedback. Yesterday, while pooling it w/ friends to cool off from this 106 degree heat, I pulled… Read more »
Basti
Basti
3 years 25 days ago

IWT helped me setup a financial system, focus on the big wins and negotiate with a whole new mindset. Automating my finances alone saved me countless hours and worries, time that is much better spent with my wife and the kids. Thanks a lot and a happy birthday.

kat
kat
3 years 25 days ago
My husband and I debated whether we could afford your Dream Job course – we actually took the money out of our wedding fund last summer when we were engaged. However, I secured a job increase at my last job and nailed my interviews at my new job. Importantly, I had the courage to take a bit of a pay decrease to move to a more Dreamjob-like position. Also, I am pretty sure that I’m the most highly paid person at my level at my new job thanks to your negotiating tactics. My husband secured two raises and a promotion… Read more »
Seth M
3 years 25 days ago
Happy Smurfday Ramit! Just want to first say “Thanks”. The past year since discovering your material has been absolutely amazing for my personal growth. One of the things that I learned from IWT material is the importance of focusing on the things I can control and what actually matters, rather than all the other nonsense people say is important. While that hasnt manifested totally in full automation, a raise, or a Dream Job… yet. I am definitely feeling the growth and getting results. For example, Im starting to get out of my own way and network, even reached out to… Read more »
Devi
Devi
3 years 25 days ago

Happy Birthday Ramit! I am grateful for your website, books, and programs. Since May 2013 IWTUTBR Book:
1. Paid 6 k off in debts
2. Communicate assertively and respect myself more.
3. Cleared out most of the grey areas in my business.
4. Negotiating a deal to open a business in Kerala
5. Lost 12 lbs.
6. Have a system in place to lay the financial foundation.
7. Got REAL and cut the BS
Thanking U, Sincerely Yours,
Devi

James
3 years 25 days ago
Ramit, Here are a few things: – automating my finances and my wife’s so we’re meeting savings goals – having creating and inspiring conversations with my wife about money (it’s no longer a chore) – making £500 from tutoring But perhaps the biggest thing has been principles: – “a little every day” (linked with the power of routine) and – automate to take the energy out of thinking I apply it all the time. It’s been really useful with my writing and my website where I post one-sentence daily insight 8am every day. I schedule my posts a week in… Read more »
Vols
Vols
3 years 25 days ago
While I am an Earn1K and RBT member, I have never paid for any Dream Job or Negotiation material. However, I do read all of your blog posts, emails, and attend your live webinars. With that said, I was able to utilize the techniques that you give out for FREE to achieve the following in a 3 month timeframe at the age of 24: Internal Promotion: Successfully network into an internal promotion that provided a 14% pay raise. As an entry level worker out of college, I was also the first person to earn an internal promotion (salary AND title)… Read more »
Zaki
Zaki
3 years 25 days ago

I got idea from the book that I never thought I would do. I negotiated for pay rise. I was hoping for 15k increase but I instead I got 17k increase. I didn’t do any of the scripts as I don’t like to talk much to my boss… That one idea is from the book, if u are interested which technique that is, check it out…. It was risky but it worked!

Michael
3 years 25 days ago

Happy Birthday Ramit !

You’ve helped me to stop living in dreams and to take actions, Thanks a lot !

Maureen
Maureen
3 years 25 days ago

My job is to connect people to the information they need to make their lives better. Ramit’s books, blogs, and website are great resources to help people get started rethinking how they are spending their money, spending their time and living their lives.

NancyE
NancyE
3 years 25 days ago
Hello Ramit, I’ve been meaning to share with you for a while that you are an inspiration to me! Your blog has been on my radar for a couple of years and I don’t always have time to keep up with it. Lately I’ve been paying more attention again, since I am working on growing my career again. It’s time to define my dream job! Your insight and delightful approaches demonstrate to me that I can do all this and enjoy the process! I’m much more “thrifty” than you are, but I would like to wear nicer clothes and have… Read more »
Joe
Joe
3 years 25 days ago
Happy birthday Ramit! The aspect of my finances that has benefitted the most from reading I Will Teach You to Be Rich has been my savings. I had most of my bills automated already, but after reading about ING Direct in the book, I decided to open up a savings account, and start automating deposits.Furthermore, I divided my account up into 10-12 different funds so that once I got a lot of money saved, I wouldn’t be as tempted to blow it since I would have to be taking it out of a fund set aside for a specific purpose.… Read more »
hakeemoladipuposalawu
hakeemoladipuposalawu
3 years 25 days ago

hello Ramit ,i wish u happy birthday and prosperous years ahead,ur keynote about how to b rich changed my mindset abt sucess and i ve been working on it bt in my country(Nigeria) most of ideas re not very easy to implement bcos there is no readily facilities to work with but am able set off bill as scheduled,thanks

Rickard
Rickard
3 years 25 days ago
If you’re looking for bite-sized testimonials, I can’t really provide. It’s like when something big changes about your attitude or your “frames” it trickles down to almost every part of your life. I can tell you that at 26 years old I’ve found full time employment for the first time in my life, I’m thinking about work, value and money in completely new terms and I feel an intense optimism about the future. I’ve studied a lot of material similar to IWT so it’s hard to say specifically where the credit lies. But I feel that your material has been… Read more »
Andrew Slominski
3 years 25 days ago

From your Success Trigger on worrying: I’ve cut down my stress level at work immensely by simply focusing on the things I can control. Instead of focusing on the behaviors of everyone else at work I focus on myself. I’ve reduced conflicts with coworkers, I’m able to put work behind me when I get home, and best of all, now I TRULY look like a stand-out at work for being relentlessly positive.

Logan
Logan
3 years 25 days ago

Ramit,

It has helped me pay for a wedding, buy a new car, and multiple other things. It has also helped me network and get a much higher salary.

Anne Straub
Anne Straub
3 years 25 days ago

I gained insight into some of the ways I undercut myself and I’m working on building different patterns of behavior.

kathleen
kathleen
3 years 25 days ago

having my savings account automated gives me a feeling of safety knowing my nest egg is there in case of emergencies. thanks ramit! happy birthday!

kat
kat
3 years 25 days ago

Ive just read your emails… im not rich yet…

Don VanDemark
Don VanDemark
3 years 25 days ago

No one specific item but in general, gave me the motivation to become more entrepreneurial which has led me to being a founder of a promising startup on the side.

Edward
3 years 25 days ago
Since taking Earn1k last summer, I’ve worked on an exciting project, and now am part of the next phase team and we are forming a startup and obtaining capital to take it to the next level. I have ownership in the new company thanks to great work I’ve done and good relationship I have with my clients. More importantly, I feel more confident and decisive in my overall life. This has helped me in my day job, as well as other aspects of my life. I feel more in control, confident, and happy as a result. I no loner feel… Read more »
Noë
3 years 25 days ago

First of all happy birthday.

I never thought that psychological factors are so important in how we communicate and how we make decisions. I always thought that if I am good in what I do I will get payed more. I learned that is totally not true.

Thanks to you Ramith, and through your 1000 on the side course I know now in what direction I should move.

Many many thanks for that.

Laura
Laura
3 years 25 days ago

Not that you need your head expanded even more, but doing your Dream Job course has made me panic A LOT less about finding a job after I graduate.Talking to fellow students my age who don’t even have a CV, I’m confident that I’ll be waaaaay more prepared for job seeking when the time comes.

I even met someone with my dream job on the LinkedIn group and I quizzed him about what I should do to prepare for my graduate job, and that information has been invaluable in giving me a headstart.

Thanks Ramit 🙂

Tanya
Tanya
3 years 25 days ago
Happy Birthday Ramit! Thank You, Thank You, Thank You! March 20, 2011 my total debt (all credit card) was $25,019.55. I purchased your book “I Will Teach You To Be Rich” in April 2011. I had no savings and no 401k accounts. October 16, 2012 my total debt was $16,749.61. Today June 30, 2013 my total debt is $6,045.38. I have a Capital One 360 (formerly ING) savings account and two credit union savings accounts and over $20,000.00 in my 401K account. Today I would be closer to my Zero Debt goal but I took a two week Portuguese language… Read more »
Kim D
Kim D
3 years 25 days ago
Happy Birthday RS! I am much older than your target audience, but still receive many challenges from your viewpoint. I want to thank you for your reflection on just doing the thing ( like your parents marrying first then falling in love) and then allow opportunities to reveal themselves as we are being and doing ‘ in the trenches’ instead of ruminating on the great thing that will occur eventually when we find the perfect career/mate etc. This has turned out to be true in my life. Sorry to badger, but As wife of almost 30 years, and a mother… Read more »
KG
3 years 25 days ago

IWT has convinced me to stop thinking about the future and retirement as some far-off fairytale, and start preparing for it.

It has also helped me to decide to stop thinking of my art as just a hobby and begin working towards making it my trade.

Kristin
Kristin
3 years 25 days ago

Recently after reading some of your emails on taking risks I applied for a very good job that could increase my income 2.5-3x and really advance my career. I didn’t think at this time during my training in a residency program I would be allowed to apply since I have 1.5 yrs left in the program, but when I brought the idea up to my mentors they were very supportive and encouraging. I am now waiting to hear back about an interview. This could be a pivotal point in my career and advance me years before what I was anticipating.

James Maarsten
James Maarsten
3 years 25 days ago
Dear Ramit: There is one thing I adhere to it is this: Marry the right person. This one decision will lead to 90% of your happiness, or misery. So as for Ma, (or would that be: Mah?): just tell her that you’ll marry when your heart is set, not her’s. And if you do marry, let’s see what she says when you tell her that you’ll decide when it’s time to have children, or not! 😀 As for what you’ve done: you’ve given me food for thought. This year is the Year of the Water Dragon, it is the time… Read more »
Christine
Christine
3 years 25 days ago

I found the gumption, direction, strength, and will to leave a stupid, dead-end job, and to start my dream job. Moreover, this choice to start over changes the course of my life entirely. Thanks Ramit and HAPPY BIRTHDAY!!!

jessica laine
jessica laine
3 years 25 days ago
happy birthday ramit. since i read your book and became an RBT member in november 2012 i have: automated my finances, saved 20k and doubled my income. i’m still working on the guilt free spending (i was raised catholic). i see opportunity everywhere. i stopped trying to network. instead i develop relationships with amazing people and all of a sudden find myself surrounded by people i love, trust and respect. thanks for giving me the opportunity to THANK YOU. ps. i think it’s interesting how often you mention marriage. i can’t help but think there’s something important there. i don’t… Read more »
Francesca
3 years 25 days ago

Ramit, I used your scripts to get a substantial raise in my day job, while your entrepreneurial emails helped me start a business on the side that put an extra 15k in my bank account last year.

Thanks. And happy happy birthday!

Michael Addis
Michael Addis
3 years 25 days ago

I learned about the relationship between negotiation and confidence. Thats a big one. My birthday was this weekend as well!

Ben
Ben
3 years 25 days ago

IWTYTBR has helped me conquer a job interview.
It has also opened my eyes to the fact that a game is being played around me, of which I don’t know the rules.
Thanks Ramit!
May the coming year be even better than the last one! XD

Bobby Grimes
3 years 25 days ago

Ramit you taught me to face the hard cruel fact that I have built my life on credit and borrowed money. The fact I have been paying interest for 25 years made me sick. I have begun to focus directly on paying off my credit/debts and not borrowing more.
Mahalo Nui, Bobby G

chris
chris
3 years 25 days ago

Hey Ramit,
Your newsletters/material gave me wake-up call and got me off my duff, write down what I want and improved my negotiating skills such that I got the promotion I wanted.

Enjoy your birthday…..just keeps getting!

chris

momotchi
3 years 25 days ago

hi ramit,

it motivated me to re-start a photo business from scratch by myself, after 5 years of launching and running it succesfully with my previous partner and our separation. you gave me my
focus back.

Gina T
Gina T
3 years 25 days ago

Ramit,

You motivated me to get my butt moving and automate my finances to finally unload some debt. Also, after I read your book, investing for retirement finally made sense. I had been struggling with it for a long time and now I understand. Thank you!

I hope you had a fantastic and memorable birthday weekend.

Ms Hanson
3 years 25 days ago

IWT reaffirmed what I’ve claimed for years – that clipping coupons and shaving fractions off an already tight budget does not equal earning more money. Period. And Ramit knows that the cost of something has little bearing on the value.

Happy Birthday, Ramit. Live long and prosper!

Betsey
3 years 25 days ago
Ramit, A huge HAPPY BIRTHDAY. I hope your day is full of fun experiences, joy & happiness. Cause that’s the way birthdays should be! Advice about mom’s: don’t let your mom rush you. It’s your life, you’ll get married in your own time. Now, teasing her and making bets, that fun! I hope I have that kind of fun relationship with my sons when they grow up. Your work and material has done a lot for me in the short time I’ve been around it, but the biggest take away that I have from your work, Ramit is that it… Read more »
Carolyn
Carolyn
3 years 25 days ago
Hi Ramit! You’re so hot!! You shouldn’t have any problem finding a cute girl to settle down with when you are ready!! (I’m from an indian family as well, though I do not look it with lighter hair and skin, however my parents also want me to settle down since it’s been 6 years since my divorce. Believe me, I know that feeling of pressure! GEEZ!!) Good luck with that! I haven’t taken any of your courses yet, but just reading your emails and blogs have opened my eyes to new possibilities and given me the motivation and courage to… Read more »
Kevin
Kevin
3 years 25 days ago
Ramit, Happy Birthday! I have been wanting to share this with you and what a great chance to do so. Back in March around my birthdaybI set a goal for the year to get my dream job. I have listened to a few of your webinars and read a lot of you materials. I I set a goal a long time ago to be a hospital executive by the time I am 40 yr old. I used a number of networking techniques and some interview techniques. I landed my dream job as a hospital exec. In April, what a great… Read more »
Fiona
Fiona
3 years 25 days ago

Happy Birthday!!

The number one thing you have helped me do is realize that collecting information is absolutely worthless. It’s the application that matters.

Automating my finances and setting things up so that they’re not willpower based had vastly decreased my stress and increased my results.

Thank you for ALL that you do!

Elze
Elze
3 years 25 days ago

Happy birthday Ramit
It was amazing to read the difference you made in so many peoples lives. i think you impact is that you kick start most of us into action, if it means just organizing our finances or applying for a better paying job. Maybe it is just to realize that we have the choice to live better lives and to be open to create those opportunities for ourselves.

Maggie
Maggie
3 years 25 days ago
Happy Birthday Ramit! In less than a year, your advice has helped me get a new job (with $10,000/year more) and pay down an additional $10,000 of my student loans! Because of your book, I finally understand why I need a credit card to build credit, why paying bills on time is not enough, and how I can set up savings now in my 20s to prepare for the future. Most of all, your webinars, posts and book have helped me gain confidence and fight back against those invisible scripts that have kept me stagnant and afraid – things like… Read more »
Garfunkel
Garfunkel
3 years 25 days ago

Happy birthday, Ramit! You give valuable peeks into the subtle mechanics of life. Thanks a lot 🙂

Heather
Heather
3 years 25 days ago

IWTYTBR has:
1. Given me the courage to start my own business, and return to school.
2. Put fire under my feet to work for my goals.
Happy Birthday, Ramit! Thank you for sharing so much with me through your website, emails, and videos.

David
David
3 years 25 days ago
Happy Birthday Ramit I haven’t bought any of your products yet but I stay on your mailing list. Occasionally you get upset with folks like us and tell us to $#!+ or get off the pot. The details you provide in your email were enough motivation and encouragement for me so that: Last year I quit a job I had worked for 6 years and had hated for about 4 years and 10 months. I moved to a far more successful and growth oriented company, bumped up 10 K in salary, cut my total daily commute time from 3 hours… Read more »
Alex
Alex
3 years 25 days ago
Happy birthday dude. The one thing Ive learned from your material is that everything is a system and once you hack it, you can make it your bitch 🙂 Here’s my quick story: When I first read IWT, I was 4 months out of college but I got myself a job paying over 200k. In the next 11 months, I paid off my student loan and personal debts ($90k), took 2 months worth of vacations, and have gotten half way through my personal project (a mobile app) that Im hoping will eventually be the source of some passive income. All… Read more »
Ryan
Ryan
3 years 25 days ago
Where to begin? 1. Helped me set up and automate my finances, and taught me how to think about saving money, BEFORE I finished undergrad — absolutely priceless and something I see so few of my peers doing. I’ve since gotten a handful of people to buy your book, including my boss! 2. Taught me how to negotiate in a way that honestly treats the value on both sides of the table. Totally changed my reality about how negotiating is supposed to work. 3. Gave me a framework for thinking about how to get an awesome job, which I’ve seen… Read more »
Andy
Andy
3 years 25 days ago
I didn’t discover your material until March of this year, but once I dove into your material, I found a lot of answers to some really important questions. And these weren’t limited to my finances. Sure, your material helped me streamline my money, pay off my debt, and find money I didn’t know I had–but more importantly it helped guide me to thinking about the future. I began saving for what I really want in a way that doesn’t really change my overall lifestyle–just the way I take care of my money. I opened savings accounts for specific goals and… Read more »
Pete Springer
3 years 25 days ago

IWT taught me that achieving small goals really adds up. For example, earning an extra $100 a month on the side and saving an extra $50 a month leaves me with more in the bank, and more to spend each month.

David Bracetty
3 years 25 days ago

Over the past 3 years, I’ve watched Ramit’s videos, webcasts, and blog posts. My utilizing the briefcase technique, referral system and learning how to interview I was able to land a dream job working as a Public Relations Coordinator without previously being employed in that position before.

We all have skills that are unique to us and that make us different. Thanks Ramit for helping me realize that I can be valuable to a company and how to show them how I can help them.

HAPPY BIRTHDAY SON!

Nat
Nat
3 years 25 days ago

I learned that I will never have to worry about getting a job again, even one out of my experience range.

Thanks so much Ramit.

Michael
Michael
3 years 25 days ago

You helped me to understand how testing works with companies and how i can apply that as well.

Lorie
Lorie
3 years 25 days ago

Happy Birthday!

Let me just share how much your information has helped me see where I want to be, debt free! You’ve helped me set that goal, and I have set other goals for myself after I reach this one.

Thank you so much!

Ryan
Ryan
3 years 25 days ago

Thank you for helping me stay on top of my finances. I was even able to help others create a better financial plan with your excellent advice!

Joana
Joana
3 years 25 days ago

Hi Ramit,

Happy birthday! I’ve managed to negotiate a 23% raise and a promotion. Looking forward to learning and applying some of your other advice!

Thank you

Simon
3 years 25 days ago

Happy Birthday! I’ve been a reader for your blog for a year or so, have just finished your book (the UK version!). I found the most useful learning was the briefcase technique and other job interview skills which improved my performance no end. I have also started implementing some of your advice from IWTYTBR. Sorry that’s two things…hope you don’t mind.

Alhassa
3 years 25 days ago

I have learned a lot about money handling. This has helped me to make some money and able to save a little.

Pat
Pat
3 years 25 days ago

The biggest thing that I Will Teach You To Be Rich has taught me is how to break things down to the root “why” to be able to find the motivation behind the action. That’s the only way to truly change and it has helped me make more money, be more successful, motivate and lead, and prioritize my life!

AJ
AJ
3 years 25 days ago

I think testing is a big one. I’ve been researching and testing ideas, and I finally found a big winner. I taught a class at the public library. The librarian said she’d pay $150 for the 1 hour class, and now I’m a vendor, which means I can teach that class (which is all planned out) plus a number of similar classes at 10 libraries in the network. I’m really excited about the hourly rate and all the possibilities. Happy Birthday, and thanks for all you do!

Justin Dux
Justin Dux
3 years 25 days ago

IWT has helped me write more professional emails.

Silvio
Silvio
3 years 25 days ago

Your thoughts about behavioral change are highly useful + everything you said about resumes. Thanks al lot for your work.

Matthew
Matthew
3 years 25 days ago
Happy birthday Ramit! I’m not sure where to begin because I’ve learned so much since becoming a reader January of 2012. I’m a Earn1K grad and Dream Job grad and I’ve learned so much in both of those courses. The biggest area that you have helped me with is my mindset. The mindset of being a top performer and what is takes to be a top performer. Looking back to the pre-Ramit days I was definitely in a haze (you may call it the unwashed masses haze) – not seeing the game being played around me. Now I know the… Read more »
Caro
Caro
3 years 25 days ago

You’ve made me push my boundaries, and I want to keep going.

Johnny Mean
Johnny Mean
3 years 25 days ago
Well Ramit, the impacts have been on a behavioral level that have resulted in the following over the last 4 years: -Debt free(From the IWTYTBR book), even living in the most expensive city in North America. -Had a dream wedding, including underwater photo shoot (IWTYTBR Book) -Ran a successful side business (Earn 1K) -Took an 8 month trip of SE Asia with my wife.( IWTYTBR Book) -Came back to dream job offers (6 figures) and secured a position starting at the end of summer.(Dream Job 2011) -Using Natural Networking-Met Scott H Young who has become a really good friend.(Dream Job)… Read more »
Roman
Roman
3 years 25 days ago

Hi Ramit’s mom,

Ramit helped me make a great first impression with the founder of a company I would love to work for. Ramit’s briefcase technique helped me stand out and make a good impression before I was even ready to interview. Now I’m studying to get ready for the interview, and then I’ll have my dream job.

Adam E.G
Adam E.G
3 years 25 days ago

The biggest things I’ve learned through IWTYTBR is mindset. Yeah there are lots of tactics, word for word scripts etc but altering my mindset from “I need to be an expert to do ____” to just getting moving and doing whatever it is you want to do (in my case it’s license my products/ideas to companies…) the expertise will come. This has opened a floodgate of possibilities that tactics just couldn’t penetrate before. Thanks you sir. This site was a big part of that process.

Nick
Nick
3 years 25 days ago

Your How to Find Dream Job webinar …

After I edited my résumé with your tips I was overwhelmed on LinkedIn.
It made me realize I have a choice of who I want to work for and not for the forage employer that gave me an offer.

I recommended you site to three of my friends.

One took them time and they were pleasantly surprised by the results.

Another friend of mine, I used your tips to help them and it helped them find a job quicker than most in this craptacular economy.

Most of all, Happy Birthday Ramit!

With high regards,
Nick

CC
CC
3 years 25 days ago

My life was a mess in a rut. I am a newbie to this whole concept, and I’m not the fastest moving turtle, but it’s a start. For now, I can report that I feel inspired, and I haven’t felt inspired for a long time; and I now have hope, hope that this inspiration and the things I am learning from you, Ramit, is just the start of getting another chance to sculpt the life I want for myself! Thank you…and Happy Birthday!

Rebecca
Rebecca
3 years 25 days ago

I learned to take control of my finances and my career. No one else is going to do it for me.

Ronald Fox
3 years 25 days ago

Happy Birthday!
I’ve learned to appreciate your matter of fact, no nonsense approach to taking on any issue, and I’ve learned we can always do more. Thanks!

Courts
Courts
3 years 25 days ago

You have encouraged me to put myself out there, be confident and not give up on my dreams. You are definitely an inspiration and I read and appreciate every email. Thank you & Happy Birthday!!! 🙂

AMC
AMC
3 years 25 days ago

Happy Birthday!!!!

Well, I must say I have been reading your website only for a week, since I watched a rebroadcast of your course at creativelive. I can’t believe how valuable is everything you’re sharing!

So far I have learned that what I wanted to sell my clients was actually what I would like to buy myself, I wasn’t paying attention to them and now I CAN SEE IT!!!

I can’t even express how grateful I am for your amazing work. Hopefully I’ll write my achievements soon enough.

Thanks!

Ame

Richard
Richard
3 years 25 days ago

For whatever reason, your blog and book have been the only thing to ever get my spending to be less than my earning. Without that, every other piece of advice or action you have is pointless. I could have gotten a higher paying job and just spent more. I could have negotiated lower fees and still spent more.

For the first time, last year, I spent less than I earned.

Craig
Craig
3 years 25 days ago

As a teacher, I think that teens often learn more from HOW I teach than by WHAT I teach. Likewise, there is much to be learned from you in HOW you run your business: you are guided more by courage (love?) than fear; you give people a voice to speak openly about your products and ideas; you are generous with samples of your products; you acknowlege mistakes and continue to grow; you are more focused on building a successful enterprise than on counting your money, and so forth.

Ed
Ed
3 years 25 days ago

Took on Ramit’s Negotiation course and have 2 standout results:
-with just one phone call with a verbal briefcase, got a $12k discount on the land I bought
-Challenging my self imposed limits on believing I am a junior employee, applied for a mid-level position; now pending the offer and a $16k pay raise.

Ash
Ash
3 years 25 days ago

Woohoo, got the book a month ago, got motivated. Already kicked down my credit card debt that I’ve been sitting on for 2 years by 1/3!

Eleanor
Eleanor
3 years 25 days ago
Since taking the Earn1k classes (and several other seminars), I’ve come to a lot of realizations. That my mindset of feeling “guilty” is far more venomous than I first realized – that I was really limiting myself by not trying to break the barriers of my current job, and gave me tricks and tips to find my dream job. You gave me some reassurance and clarity that the ideas in my head are not just thoughts; that I can take action and make extra money on the side from something I love to do. You taught me that talking to… Read more »
Annabel
Annabel
3 years 25 days ago

I think the most useful thing I have been reminded by Ramit over and over again is to address my audience appropriately i.e in terms of benefits. It’s so simple, but people so rarely do it effectively. I find if I do it, I stand out.

Alexia
3 years 25 days ago

Found my dream job – running my own bikini company. And still drink lattes (well, Americanos to be exact). Thank you!

Monika
3 years 25 days ago

IWT has helped me identify and overcome psychological barriers to living a richer life. And the scripts aren’t too shabby either!

Annabel
Annabel
3 years 25 days ago

Ps forgot to say Happy birthday and thanks for the advice

Janie
Janie
3 years 25 days ago

I am smarter, sexier, more confident, and more powerful than I’ve ever been in my life. I’m questioning assumptions, raising the bar, and taking more control over my life and my self. And I frequently credit you – aka my “Indian Boyfriend” – with being an early and continued influence in that growth. So, thanks. 🙂

Happy Birthday, Ramit

Shashi
Shashi
3 years 25 days ago

Ramit , I am beginning to appreciate how inflation ( ” financial rust ” ) and management fees ( levied by investment experts ! ) erode into earnings in the long-term . Thanks for your newsletters .
May all your noble intentions become reality .
Happy birthday and a bright future !
Shashi , from Johannesburg , South Africa .

Jody W
Jody W
3 years 25 days ago
Happy birthday! I read your book several years ago. I am older than your intended audience (I’m 39) and I already knew a lot of what you were teaching, but your voice was one that resonated for me. I took the leap and became a dream job student last year and although my new job isn’t exactly my dream job, it has extended me in many ways I could never have imagined (professionally, personally, even spiritually!) I have a confidence now that I never had before. I know that if I were to lose my job tomorrow, the road to… Read more »
Blake Giesbrecht
Blake Giesbrecht
3 years 25 days ago
Happy Birthday! I can spot loser scripts in my own speech (and others!) and instantly get to the real problem (i.e. saying things that sound legitimate to myself to let myself off the hook and knowing its BS) I also focus more on earning than saving- Life has gotten a lot more fun! (this year alone have made 25k on the side and projected to make over 100k by the end of the year) Perhaps one of the greatest things I’ve put to use though is your teaching on how small physical barriers can get in our way psychologically. I… Read more »
Babatunde Jaiyeoba
Babatunde Jaiyeoba
3 years 25 days ago

Happy birthday….junior brother!
Got more confident through you in doing my personal business beside my employment! Continue the good work. I wonder how we can get the hard copy of your materials in this part of the world.

C
C
3 years 25 days ago

happy 31st..long life and prosperity

Ray
3 years 25 days ago

Yo Ramit – Happy Birthday!

I have read your book, AND listened to it probably 3 or 4 times now! I enjoy your sassy, to-the-point writing style, and the content and advice even more. Thanks to you I am much more conscious of both my own money and our family finances, I now have a no-fee checking account, am monitoring my retirement funds etc. etc. You have been an immeasurable help to me. Thanks much!

Ray

Shea
Shea
3 years 25 days ago

For your no-bullshit approach, tough love, & brutal honesty — I thank you.

I’m 23 and you’ve made accomplishing financial freedom practical and tangible. My goals and dreams are less daunting and I am confident that I can manifest my reality.

I remember Maya Angelou saying, “I am human therefore nothing human is foreign to me.”

If you can do it, so can I. So can we.

With sincere gratitude and humility,
Shea

Ian Robinson
3 years 25 days ago

You’ve helped me in understanding personal finances. I’ve automated saving, reversed every bank fee from that time forth and am earning 1 k on the side. You the Man!

Wes
Wes
3 years 25 days ago

Very good advice, raised salary by $40k in anout 6 months. Good structured advice.

Jay Tan
3 years 25 days ago

My dreams so as to vividly place in a goal is to build an online & offline network of business partners.

R
R
3 years 25 days ago

Helped me automate my accounts and save more than $100,000. Now if I can just get it together and go through the E1K material and make 1k on the side …

Chris
Chris
3 years 25 days ago

Hi Ramit,

I landed an awesome job using the free material from Dream Job. I crafted an excellent résumé and learned to how to talk in interviews. Now I work for the most valuable company in the world in a store where we do a lot of clapping. Now I’m working on Earn1K so I can have a business if my own.

Jordan Spuck
Jordan Spuck
3 years 25 days ago

Ramit, your website has helped me in negotiating rates with cc companies, and helped me in my negotiation with employers. In general, my confidence making business deals has increased significantly.

Thanks,

Jordan

Kayll
Kayll
3 years 25 days ago

Using the free material from Dream Job, I negotiated a higher salary for my awesome new job.

RobertoD
RobertoD
3 years 25 days ago

Celebrate! You deserve it! Thank you for your no-nonsense style, your positive and can-do attitude. I’ve almost double your age, and will take your courses when slow down my overseas working. I do enjoy all your emails and tid-bits you provide. They make us to reset, to challenge what we do and know. Keep going, too many people can benefit from you.

Arden
Arden
3 years 25 days ago

Just reading your emails leaves me in a positive mindset. I admire your attitude and confidence.

Marie Chaisson
Marie Chaisson
3 years 25 days ago

This year IWT has helped me to better understand and connect with Millenials, which actually helps me greatly enrich my career. Kind of a random achievement but very helpful!

Sacha
3 years 25 days ago

**Happy Birthday**
How to be tactical and to really think about the way we present ourselves and our businesses.

…get married already – give your poor mother some grandchildren ;o)

Jack
Jack
3 years 25 days ago

Happy Birthday Ramit! Your advice and guidance has been an indispensable part of our lives as we’ve grown and come to manage our finances like a well-oiled machine and made freelancing into a full time, 6-figure a year gig!

elizabethM
elizabethM
3 years 25 days ago

I took a risk and got out of a dead end job and increased my income by 17% to pay off a lot of debt. Now am better prepared for the next hurdle; finding a job I love with an even better salary!

MsCommish1
3 years 25 days ago

Ramit reminded me to say thank you to people. I usually say thank you but after hearing a very interesting talk he gave about building support systems, brain trusts and creating value he reminded me to reach back and say thank you to those who might have helped me in the past. It was so simple but so piognant for me. I went ahead and did it and rekindled old friends and I’m still doing it. It feels good to say thank you out of no where, people really appreciate that. Thanks

Lori
Lori
3 years 25 days ago

A couple months back I applied for and got a new position at my current company, but the salary offered was below the external posting. Using the briefcase technique, I was able to negotiate a salary that was almost 10% more than that offered and in the middle of the external posting range.

Pamela J. Stubbart
3 years 25 days ago

Using the Briefcase Technique, I landed a cool part-time, work-from-home position that allowed me to stay in New York City instead of moving back home to Georgia with my tail between my legs. I continue to use IWT advice to hustle side gigs and get control of my financial situation. Many thanks, Ramit. Happy bday.

Shawn Sakamoto
3 years 25 days ago

Earn and maintain a 790 FICO score

Linda Giella
Linda Giella
3 years 25 days ago

I’m constantly quoting you and referring people to your website — people who are either still in, or just out of college… telling them I wish I’d known these things when I was 21!

There’s still more I’m learning from your newsletters though I’ve been in business a relatively long time. Like not listening to certain bad advice from so-called “experts”… And having “scripts” prepared before meetings or interviews. Golden!

HAPPY BIRTHDAY and Thanks again.

DJR
DJR
3 years 25 days ago

The DJ course and your videos have given me a hunger to find not just any job, but my dream job. I probably would have settled for less otherwise

Rosalyn
3 years 25 days ago

I learned the sheer joy of smart, automatic money management. I’ve recommended your materials to my daughter who will never have to unlearn the counterproductive ideas and bad habits I used to have. I can’t say thank you enough! Happy Birthday Ramit!!!

Jill
Jill
3 years 25 days ago

I have gained confidence in my ability to manage my own money and goals, and I have a significant amount of money saved in a Roth IRA, which I contribute to automatically.

Margaux
Margaux
3 years 25 days ago
Happy Birthdaty Ramit. I wish you everything good because you have helped so many people including myself. I had a successful business in the Caribbean (I HAD my dream job already) until family members became sick and I was summoned to come home to take care of them. This happened at the height of the “Great Recession.” I had been living off the (fire) sale of business and after three years and two deaths in the family, I was financially and emotionally drained. Your programs and your “kick in the pants” approach gave me courage and new perspectives about creating… Read more »
Ramesh Kumar
Ramesh Kumar
3 years 25 days ago
From IWT, I learned to automate my finances. I save money in an online saving account, pay my bills automatically, have a budget. I max out my 401K, max out my ROTH IRA and invest left over money in index fund (namely VTSMX) on my own as well. My finances are doing quite well thanks to IWT. I even followed the same car buying strategy you outlined in your book and saved over $1800 using that method. Most importantly, I use conscious spending to spend money on things I love like tennis equipments and don’t feel guilty about it. I… Read more »
Randy Martin
3 years 24 days ago

One thing I really remember that you said in one of your emails was about getting frustrated with things and instead of grumbling about why someone would set up something as stupid as that, stop grumbling and try to figure out why they did set whatever up the way they did. That’s been helpful. I tend to be very critical of stupidity, but now I try to figure out why. Sometimes there may be reasons.

Kevin
Kevin
3 years 24 days ago

Happy Birthday Ramit! I used your negotiating advice to secure a $6,000 raise this year and I love my automated financial system.

jim noel
3 years 24 days ago

installed a wordpress blog/website
bought some walnut oil artists paint and have begun to paint with them after years of frustrating acrylics,
started working with a friend who wants to rep my art and get me shown locally
all this week!
and just from reading your blog and watching your videos
thanks Ramit
jim noel

Koby
Koby
3 years 24 days ago

HAPPY BIRTHDAY!

Your materials have:
1. Encouraged and helped me to recognize the most important thing in life – people.
2. Given me useful options and goals for reconnecting old relationships and creating new ones.
3. Help me rekindle my passion for self-improvement, I am more alive now at 40 than I was at 31. 🙂

Jennifer
Jennifer
3 years 24 days ago

IWT helped me land a great new job with a Fortune 200 company and snag a 22k raise. Thanks Ramit.

farah
farah
3 years 24 days ago

taught me briefcase technique which recently landed me a job offer after using it at the interview

Tanya Harris
Tanya Harris
3 years 24 days ago

It has helped me view saving money as fun–like a game. Happy birthday, Dear!

mike
mike
3 years 24 days ago

I bought the DJ Sessions course. It helped me with my interviewing skills, and most importantly…I learned to speak with more confidence…both in interviews and in social conversations

Marcos Garcia
3 years 24 days ago

I Will Teach You To Be Rich has helped organize my debt and make payments on time. It has also helped me think about my finances differently. I am looking into some long-term money plans. Thanks, Ramit

Michelle Bartley
Michelle Bartley
3 years 24 days ago

Happy Birthday!! I’ve learned how to handle my finances better and I’m paying down my debt!!!

T
T
3 years 24 days ago

Your book is absolutely revolutionized not only me and my wife’s financial life, but also that of our friends and family. I have bought several copies of the book to give as gifts as well as discussed your blog with a fair share of people. I will keep spreading the Ramit gospel as long as possible because my wife and I firmly believe in your mission. Keep up the AMAZING work Ramit!!! Happy bday!!!!

Sam
Sam
3 years 24 days ago

Thanks to your advice, my girlfriend and I opened up savings accounts, brokerage accounts, and contributed to them regularly. I’ve passed along the advice to friends as well. Thanks a bunch, Ramit! Happy birthday.

Joeyboi
Joeyboi
3 years 24 days ago
Happy BIRTH-day to you and your Parents, RAMIT!!! I hope they are proud and happy for you while pushing you to be the best you can be! 2-years ago i took a week of vacation and used it to learn more about money and your book i read the most quickly and took action on immediately. Right now i am living a dream i have thought about for decades–extended travel to my favorite countries –because as soon as I read about your multiple accounts ideas, i started a travel savings plan along with making sure i was up to date… Read more »
Troy
Troy
3 years 24 days ago

Happy bday man. The most valuable thing I learned was automating my savings. Can’t thank you enough

-Troy

Kerry
Kerry
3 years 24 days ago

You have taught me how to save and prepare for my future. Thank you and Happy Birthday!

Thomas
Thomas
3 years 24 days ago

Happy Birthday Ramit, you crazy bastard!
This year I paid $$$ & enrolled in Earn 1k, DJ & Brain Trust. I have improved my network by following up with former colleagues and co-workers over the last 3 years. Specifically, the Closing the Loop Technique has been highly helpful in the last two weeks. Today, I closed a loop by emailing a former supervisor who guided me in seeking a promotion. Have a wonderful birthday and do a shot of tequila for us DJ’ers!

Jordan
Jordan
3 years 24 days ago

You helped me negotiate a raise when I really didn’t think it was possible.

Aimee
Aimee
3 years 24 days ago

Thanks Ramit … for being the Indian cousin I never had, who kicks my sorry ass into doing something positive! Just reading your book and emails helped me and my family get our collective financial rears in gear enough to buy a house. Have a happy birthday!

Daisy D'Achiardi
Daisy D'Achiardi
3 years 24 days ago
before i read I Will Teach You To Be Rich, I had no control of my finances, and like many, i just shrugged and said “well ill get to it later im so far in debt i don’t want to think about it. I was 24 and a half, 5k in debt and paying too much interest on my auto loan. in 6 MONTHS i wiped out my credit card debt and refinanced my vehicle to cut my interest in half. I have savings in the bank, and opened my retirement account(i never thought i would have one). I learned… Read more »
Marissa
Marissa
3 years 24 days ago
At a time in my life when I’ve assumed responsibilities far more typical of my parents’ generation than my own–raising my teenage sister and caring for my 85-year-old grandmother–your Dream Job emails have helped me to remember that I haven’t “settled down” yet. Even though I have a job that I love, at an institution that I believe in, with a boss who believes in me and is committed to my development, the attitude behind your emails reminds me to continue to live with a sense of anticipation. Neither the difficult nor the incredible parts of my life are the… Read more »
Jim C
3 years 24 days ago

Hey Ramit, ITW and the associated 1K course have again really drilled home the need to focus and prioritize with a constant long-term goal. Sales are picking up, I am getting more done and enjoying (instead of dreading) all the challenges. Thanks for the reminders of what is important in life (happiness, friends and life itself) and hope you have an awesome birthday with your friends and family!

Robin
Robin
3 years 24 days ago
Ramit, I signed up for your email list on June 1st, 2010. Since then I have paid down nearly 10K in credit card debt, set up automated deposits into various savings accounts, started my side business, made an extra 6K last year and then got laid from my full time job of 11 years this spring. Because I had all that work done and business in place, in two months I landed the most lucrative client to day and am now making MORE THAN TWICE what I made before the layoff. And doing it working from home in my pajamas.… Read more »
Robin
Robin
3 years 24 days ago

“to date” not “to day”

Stephen Harbort
Stephen Harbort
3 years 24 days ago

Have not done the program, finances ok and am managing. Found daily posts fantastic in giving me a great attitude. Love your comments on marry , a girl?
The daughter uses this on her grand ma

Steve O
Steve O
3 years 24 days ago

After buying Ramit’s book, I used his scripts to avoid fees and negotiate a lower credit card rate (saving maybe $150). I also have used his investment advice as a sort of anchor in my thinking about investing and automating.

Heather
Heather
3 years 24 days ago
The biggest gift IWTYTBR has given me is your negotiation scripts! For someone naturally shy and easy to intimidate, learning how to ask for what I want from my phone company, insurance, bank, etc. and stick to my guns is a HUGE deal. A few months ago I had couple of automated transfers that didn’t quite line up right, and I got dinged with an absurdly high NSF fee. Thanks to Mint, I knew right away what had happened, so I called my bank up, told them I was a long-time customer and that it was the first time something… Read more »
Scott
Scott
3 years 24 days ago

Ramit, with your help I learned to become more social and land my first job out of college at a major firm. I’d say the social skill bits helped the most. You made me realize it wasn’t all about my grades (which were awesome). I look forward to learning more from you about how to kick ass at work and earn the recognition I deserve. Happy day!

Jonathan A
Jonathan A
3 years 24 days ago

Bar none – automating my finances has been the most amazing thing ever.

Parker
Parker
3 years 24 days ago

One of the most valuable things I’ve learned from IWT is a new way of thinking about my resume. I now think of my resume as a narrative that tells the story of who I am, what I do, and why I would be a good fit for whatever position I’m applying for. My resume (and everything about how I present myself) is 10x better. Thanks!

Mixed Media Michelle
3 years 24 days ago

IWT has taught me SO much;
– better to earn more than spend less
– best $20 spent is to buy coffee and learn from those who have gone before us
– manage energy levels, not just time
– to start a business on the side, get customers first, then a website

Megan
Megan
3 years 24 days ago

Ramit, the one thing I Will Teach You To Be Rich has taught me is how to question my assumptions about the best way to manage my money and my career. I had trapped myself into a mindset that my options were very limited because…well, because reasons! Obviously! I was trapped! Except, I wasn’t, and I’m not, and I have you and IWTYTBR to thank for that. I’m at the beginning of my journey but I’m seeing so much more clearly now. Thanks, Ramit!

Andrea
3 years 24 days ago

You’ve been an incredible contribution to my life by calling me out on time wasting bullshit that just gets in the way of actually building the good stuff.

Lauren
3 years 24 days ago

Happy Birthday,

Thank you for teaching me to turn a D to a C! That means instead of downing what a successful company is doing (as if you know more than them) you turn that into curiosity and ask yourself why would that company do that? And how could I use that tactic for myself?

Great Advice!!

Lauren R.

judith a shimel
judith a shimel
3 years 24 days ago
best wishes to you, Ramit — last year i offered you my, my little cousin and a beautiful, brilliant Indian Caribbean college student (from me to you) but you never got back to met… heck, you could have them all (of course i haven’t talked to them about it yet) nonetheless, happy birthday! you have helped me make a big commitment by signing on to the earn iK class. now all i have to do is live up to it. my premise was this… if i earn 1K while the class is going on, then i would have paid for… Read more »
claire
claire
3 years 24 days ago

Happy Birthday Ramit

I read every single email from you and it has brought my financial goals to the top of my priority list. I have also initiated and lead many honest discussions about money with my long term boyfriend. I have started a small project on the side counseling friends about my travel miles hobby and how to travel for nearly free… its still a small project that I plan to monetize. Anyway I dig your material.

Eleanor
Eleanor
3 years 24 days ago

Happy Birthday!

IWT has helped me value my time and make more money. In the last year, my income has gone up 112% doing less work (20% less at least), enjoying life more. Most importantly of all, it has helped me learn how to focus on big wins – a massive psychological boost.
Thank you Ramit !!

Michael
Michael
3 years 24 days ago
Hey Ramit. Happy birthday! IWTY has helped me in many ways, some of the major ones being: 1) giving me a good start to automating my finances, including great accounts that I still use today 2) kicking my ass on getting an IRA (something I’ve been avoiding due to my ignorance, but which has quickly accumulated much more money than I thought possible) 3) giving me the support that I needed to save large amounts of my income each month when I had a job, which helped me survive: losing my job, 2 moves, and entering graduate school. There are… Read more »
Judy
Judy
3 years 24 days ago

Helpy husband find a job he love!

riadh berhail
3 years 24 days ago

hello happy birthday sir i want to get some advises to earn money please and good luck

Vicki
Vicki
3 years 24 days ago

Helped me be more clear about what I want at work and be able to state it clearly and, often, get it. My relationships with my “supervisors” have improved a lot.

Joann
Joann
3 years 24 days ago
Ramit, I purchased IWTY (the actual physical book) [w/ a coupon – I was super-proud of self for that!] about a year ago. I don’t earn enough money to sneeze at, but via the book, I understand that I am at the beginning of a ladder that I *can* climb. Even with what little I have, I’m starting to automate, one debt at a time, only what I can handle. I’m doing it via my own on-line bank account vs. handing the auto debit over to someone else. This keeps me more in control of the situation. Some day I… Read more »
Alex
3 years 24 days ago

Happy Birthday!
IWTR – Has helped me find a dream job.

Madelyn
Madelyn
3 years 24 days ago

You are witty and hilarious and it’s the only reason I’m able to continue to read a column about money, a topic which I would otherwise pretend to ignore.

Lukas
Lukas
3 years 24 days ago

You have helped me learn the psychological portion of money management. After reading your book and then getting involved with IWTYTBR website, I have become a better person financially. Thank you and Happy Birthday

Martin
3 years 24 days ago

One thing I was already doing when I first read your work, was freelance video/photography work on the side. Your writing helped me realize that I was doing something right. Your writing also confirmed that it is better to try and earn more than to just cut back.

One thing I learned from your writing is to just start small, about five years ago I started depositing just $10 a month into an IRA. Ten bucks. I now put in more because I don’t miss it. Now that IRA is worth several thousands.

Emcee
Emcee
3 years 24 days ago

You helped me get my finances in order. Paying off my debt by earning more instead of saving on little things.

Grant
Grant
3 years 24 days ago

IWTY has taught me how to think about being “rich” as well as some good ways to automate my finances to make saving money easy.

David
David
3 years 24 days ago

Your programs are the excuse for me to stop making excuses and take control of not only my finances and career, but ultimately my life.

Cory
3 years 24 days ago

Setup Bill Automation, Ing Direct Accounts for saving/spending. RBT tips are useful, and Behavior Con should insites to experts
for web tracking, FYFPI – Filtering possible ideas to charge it services. All will be useful at somepoint in my life. I consider myself
a long term investor in Ramit’s products.

Maria
Maria
3 years 24 days ago
С днём рождения! Or Happy Birthday as they say it back in my home country. I hope this upcoming year you find something to wish for, a new challenge, an exciting problem to solve (I’m sure you are a sucker for those). Thank you for writing, you’ve inspired me to pay off my debt, take a risk and move to a new position, all the way across the country. You cannot imagine how excited I am for my upcoming trip from DC to LA. Your advice certainly helped me get more organized with my finances and get on track of… Read more »
Bill S.
Bill S.
3 years 24 days ago

I’m not sure I can credit your program with directly helping me land my new, dream job, but I do read and follow your emails and they do influence me and my process – job search and otherwise.
This past year landed a job I’d be happy to retire in – a dream job – unless something even better comes along some day; you never know.
Keep up the good work.
Bill

Doris
3 years 24 days ago
The good: I now automate everything to do with finances, even reporting. The great: I’ve shifted everything over from no-good, under-producing investments into Lifecycle Funds. I’ve even used these for my kids’ RESPs (Savings for university – Canadian thing). No more sweating out asset allocation. Yes!! The best: You’ve inspired me to move forward with the book I’m working on and expand it to my real passion: Teaching women (via workshops and web-based courses) to become financially smart by protecting themselves, figuring out how money really works (i.e. it’s a powerful tool, not a boss) and growing their stash so… Read more »
M
3 years 24 days ago

Happy Birthday!

I used some advice of yours to negotiate the salary of my current position, and got more than what they had originally offered me.

Seth
Seth
3 years 24 days ago

Keep focus on big wins/things that matter. Gave up trying to get my family to turn lights off (electric bill is $180/mo) and shifted focus to wasted food and our $1000/mo food bill.

Zac
Zac
3 years 24 days ago

IWT has helped me understand the steps I needed to take to get my finances back on track. Now I’m well on my way. Thank You.

Best wishes on your birthday*

Eric
Eric
3 years 24 days ago

That living a rich life and getting aligned to be financially independent in the future doesn’t have to be complicated.

Kem Taylor
Kem Taylor
3 years 24 days ago

There is more than one thing! Have a killer resume and got two raises and a promotion. Also found my dream job-industry and am taking an intensive course to put me in a position to get whatever job I want. Thank you and Happy Birthday.

Jesse
3 years 24 days ago

Started with the IWT Book, as per the recommendation of someone dear to me. Since then I’ve had a better handle on my finances, saving and keeping more money than I ever have.

Moved onward to take the Earn1K Course. Both of these sources has really allowed me to take control of my future, and I have more confidence in where my life is going in the last several months than all 26 years of life before that.

This is just one more person whose life has been changed for the better.

Kim Dahlgren
3 years 24 days ago

Ramit-

Happy birthday! I’m not quite sure what led me to you originally, but I’m glad I found you. You inspired me to start my own website and business, Cake & Class. Thanks Ramit!

Kim Dahlgren

David
David
3 years 24 days ago

I appreciated (and am now acting on) the “in your face” reality of needing to deal with the issues that will have the biggest impact. I am currently taking extreme measures to improve my credit score in order to best take advantage of refinance and/or other opportunities that may arise.

Thank you!

P.S. I stumbled across a website called http://www.creditkarma.com that I thought you may or may not be aware of. It was recommended to me by an employee of Navy Federal Credit Union, which I thought was very nice of her!

Anna
Anna
3 years 24 days ago
Ramit, I have your book and still working on finishing it. I had attended two webinars you had for us and was very amazed at the program you have to offer. I would love to sign up for the dream job course. However, I still have cc debt, and as you said that they need to be paid off first. The lessons I learned so far from the book and your e-mails are very helpful. They give me a guide on where to go with my life. I would like to use this opportunity to thank you for all the… Read more »
Nick
Nick
3 years 24 days ago

The 85% Solution is a great rule of thumb, it’s a principle that can be applied to any aspect of life. Rather than endlessly contemplating (trying to “think it through” to perfection), I’d rather begin it now and end up “85% right”. After all, you’re not evaluating accurate data until you’re “in the field”, collecting it yourself.

Edith
Edith
3 years 24 days ago

Happy Birthday! Single best take-away from the early presentations was how to negotiate a better rate of pay. Used it in a job interview. Fumbled the ball when they called me back to offer me the job- but got what I wanted within a few weeks, while hours were being cut elsewhere in the office. Thank you!!

cliff samuels jr.
cliff samuels jr.
3 years 24 days ago

Using your program, achieved a 20% salary increase from a goverment agency in Michigan.

Susan
Susan
3 years 24 days ago

Happy birthday Ramit! You’ve given me so much through your blog and emails, but I’d have to sum it up as empowerment. Putting your tips and advice to use, I’ve eliminated all my personal debt and got a significant raise and promotion last year. And that’s only the beginning, in my opinion. Thank you!

Jackie
Jackie
3 years 24 days ago

Automate the shit out of my finances. Basically everything is on autopilot so I can spend my time doing the things I like to do. I don’t even pay attention to it… 401K, Roth, savings… and just last week I checked, and I’d passed the 100K mark! Didn’t even know it! How automated is that shit?! Happy Freaking Birthday.

Nicholle
3 years 24 days ago

Happy Birthday, Ramit

You have helped me:
– negotiated >30% salary increase
– earned over $1K on the side since launching my business last year
– stop wishing and star doing
– effectively and non- creepily network

You’re awesomesauce. Thanks does’t even begin to cover it.

Brian
Brian
3 years 24 days ago

Hi Ramit! Happy birthday! Your advice on negotiating a raise made a huge difference in my life and I am grateful that you share your experience with us!

Angelo Simpson
Angelo Simpson
3 years 24 days ago
Hi Ramit, First of all, I wish you lots of health and continuous success. One thing that helped me a lot from I Will Teach You To Be Rich was Earn 1K. Last year I negotiated a salary increase of 1.8K per month. Since I knew that it was possible to make it happen I decided to go on a side business and I am now making an additional 1.5K in average per month. However, I have not stopped there… Two months ago I got into a second side business, which is giving me around 250 per month but it… Read more »
Jim
Jim
3 years 24 days ago
I was isolated- now I have 5 or 6 top performers to bounce ideas and get advice from. I had no financial future- waiting for returns for jobs from the email black hole- Now, I’m planning a world wide marketing plan. I am now a top performer and the money will follow. My invented product passes the two step test: 1) Can they buy it? Of course, 2) Will they buy it? I’m sure they will- you will if you ever use cycling in your exercise routine. The established system of HR will not allow me to do what I’m… Read more »
April
3 years 24 days ago

Happy Birthday Ramit!!! I know you’re looking for comments that would support the content you provide, but to be honest, you have supported, through your delivery, that being unapologetically you, is the best you. Yup, that’s it. Just by being you, you have inspired me. Have a great Birthday and go find a beautiful person to love and who will love you AND your mom! 🙂

Doreen
Doreen
3 years 24 days ago

Your book has helped me tweak my financial planning and keeps my dream of having my own business alive. I also have found myself thinking in an expanded way…more outside the box, if you will.
BTW, Happy Birthday.
You may want to remind your mom that you are trying to find a woman with comparable high caliber like her…and that is hard to find! She wouldn’t want you to just marry anyone! LOL!
Good luck!

Andrew
Andrew
3 years 24 days ago

Using your free material, I secured a $5K signing bonus. ANY signing bonus post-layoff is unheard of, but by applying the tip from a Dream Job course teaser video, I used data from PayScale.com and your language about “the value that I can add” and “finding a number that we agree is fair” to secure it.

Jo Ellen
Jo Ellen
3 years 24 days ago

Happy Birthday! Ramit you rock! You taught me how to control a job interview and make it work for me. Your info also gave me the courage to do my own biz.

Susie
Susie
3 years 24 days ago

You’ve taught me how to think like top performers think, which has in turned changed my actions and motives into those that top performers take as well. Thank you!

James
James
3 years 24 days ago

Happy Birthday

Just paying off my credit card debt was huge …

James
James
3 years 24 days ago
Happy birthday, and thanks for giving me that nudge necessary to automate my finances (because seriously, it’s not that hard no matter how “busy”/lazy you are), to wise up and stop working at a startup where I was being treated like crap so I can focus on more rewarding things ie. my own Earn1K-sized efforts. Even though I constantly blow-off your sales copy because I don’t think I could get value from your courses (self-doubt is a bugger!) I really appreciate the way you try show how it can all be done if someone takes the right approach and attitude.… Read more »
May
May
3 years 24 days ago

You’ve actually improved the quality of a whole category of conversation with my husband. He’s an entrepreneur with a background in finance, and just for shits and giggles I started regurgitating stuff I’ve learned from your site. His vigorous nodding encouraged me to actually internalize your points so I can respond intelligently when he asks my opinion on something business related. I’m still in the reconnaissance phase of starting my own business, but thought you should know you can add relationship guru to your CV.

Bryan Lowry
Bryan Lowry
3 years 24 days ago

Using credit cards with perks and benefits.

Laura Latimer
Laura Latimer
3 years 24 days ago

I view money different now, feel more in control which is beautiful. You broke it down in such a perfect way.

On Creative Live- you inspired me and taught me a lot about Marketing, starting a business, taking the jump!

Thanks, happy birthday!

rebecca
rebecca
3 years 24 days ago

your no excuses no b.s. approach has worked on me to stop making excuses and get to doing something. i have cut cost ruthlessly to get out of debt then start savings. i am reading and following the steps of “think and grow rich” by napolean hill. i have written 3 classes to test out, and this week i am finding a location to hold them. i already have a lead on a great location. thank you for giving me the kick in the pants i needed to identify my goals and go after them.

Kirin
Kirin
3 years 24 days ago

If I didn’t live in Australia, I would marry you Ramit! 🙂

Hugo
Hugo
3 years 24 days ago

Ramit

Amongst all your truly great material is the most valuable service you offer. You hold up a mirror, showing me all of my negative stuff which stopped me starting a business before. Once I conquered the inner critic, the magic happened.

Thanks again, and have a great birthday!

Bi Ying
Bi Ying
3 years 24 days ago

I finally worked up the courage to face the fact that my current job is not my dream job and I’m taking concrete steps to change that situation. The Dream Job course is really helping me stop “nodding and shrugging”. It’s scary, but it’s all for the better.

Purti
Purti
3 years 24 days ago

Wish you a very Happy Birthday Ramit!

Your blogs and courses have helped me in many ways – most specifically and the best one was to help me find my current job (which I love) – very thankful for doing your Dream Job course!

Much love and thanks a lot for writing and producing such good materials and courses!

Hil
3 years 24 days ago

YES!!!! SO MANY THINGS but the #1 is getting me out of the “save and cut back” mindset and into the “EARN MORE” mindset! HAPPY BIRTHDAY, YOU S**Y BEAST! (don’t get married til you’re ready! Your mom will LIVE until you do!!!! :-* )

Karen
Karen
3 years 24 days ago

After reading I Will Teach You To Be Rich, I finally got my stuff together to start contributing to my 401k and get my company’s match. Before reading it, the whole process of figuring out where to invest seemed too complicated, but the book helped demystify the process.

Justin Barker
3 years 24 days ago
IWTYTBR has pulled me out of near homelessness twice now. (After the first time, I got screwed by a roommate. Him not paying and then moving out drained my accounts.) I feel confident about my the direction I am heading financially which increases my confidence in nearly all levels of my life. I went from being days away from being homeless to on my way out of this deep hole and having a new business venture launching publicly on Halloween. I’m excited and feeling happy about my life and it’s direction for the first time in awhile. Thanks a thousand… Read more »
Joan
3 years 24 days ago

Hi Ramit,

Your book inspired me to start my own personal finance blog because you wrote your book like such a normal person that I realized I don’t have to sound like an expert to write about personal finance. Thanks for all your hard work. 🙂

Joan

Max
Max
3 years 24 days ago
i’m a relatively new reader and i’m still making my way through your book, but i’m already completely re-evaluating my approach to finance and credit. i’m letting go of a lot of the “old wisdom” and thinking about how to tailor an automated plan that works for me (and my personal gen y psychology) as opposed to a one-size-fits-all approach. to be honest, looking at my situation in the starkly honest light you shine on it has made me a bit worried (i was very short sighted in my 20s), but i am hoping to find solutions and advice on… Read more »
Jenn
Jenn
3 years 24 days ago

Helping me use skills I already have to earn extra money on the side and start toward building my own business.

Bryan Fulton
3 years 24 days ago

You have taught me how to break down my story of me on resume and interviews allowing me to seg myself apart from my competition. Thank you

Bryan

Joy
Joy
3 years 24 days ago

Hi Ramit,
You helped me consider my interests as an option to make money on the side. I didn’t really think about that until your Earn 1K course.
I also see myself as a business person who is fully capable of creating my own success, finding the people I want to work with and not waste my time on tasks that lead to nothing.
You have made my learning enjoyable with your cut the crap audio lessons.

I hope that you enjoy your birthday! You are quite the inspiration. You deserve a lot of real joy.

🙂

Diego
Diego
3 years 24 days ago
I’m very glad to share that today, I actually got paid $300, which in my currency, added up to reach my first 1K working on the side, running workshops on a subject that I LOVE!! 😀 😀 😀 The most important lessons I learned are to move from the “saving” only mentality, cutting back on lattes and using both sides of the toilet paper, to actually earning more money, identifying a demand for something I can provide with quality and take chances to go out and do it, not feeling guilty to charge about it, and doing your best to… Read more »
Annie
Annie
3 years 24 days ago
After reading IWT, I talked to my fiancee about it. He disagreed with most of it, and further outlined some things that I didn’t realize we had polar ideas about (example: he plans his life around buying stuff. I’d rather travel). The ex also – and this is a huge one – had zero transparency with finances. Lied through his teeth and wanted receipts for everything, presents had to ‘paid back’. I’m detailing these things because they are an example of a very unhealthy financial relationship. Now, I’m happily with someone who agrees with me on the sensible ideas in… Read more »
Michael @ The Student Loan Sherpa

Happy Birthday!!

Quickgunmurugan
3 years 24 days ago
I’ve been the same firm for almost 10 years and have a job that I love + colleagues that I trust and respect. Its a global team and I need to move around every few years to stay relevant. But moving is expensive (and I’m not just talking about the cost of flights, shipping stuff, etc) and the burden has been falling on my shoulders. This time I negotiated a deal where the company picked up ALL the costs. How? I followed your advice and went in prepared. No, over-prepared. I had all the numbers (from my own experience as… Read more »
Michael
Michael
3 years 24 days ago
Happy Birthday Good Sir! Dude hit me up if you’re trying to get married to a south indian girl. I’ve got girl cousins on DECK!!! (Or we can just get married no homo but at least now there would be tax benefits!) I don’t know where to start. I think the biggest success for me after dropping racks on all your material is my ability to test everything and to create systems. My network increased by 20% in one month of networking and I’ve had interviews for jobs without even sending in 1 resume to a recruiter/job post…(I haven’t even… Read more »
SCheng
SCheng
3 years 24 days ago

You’ve consistently made me laugh, and taught me a surprising amount about Indian parents. (And, of course, you’ve helped me learn how to be financially accountable to myself, which is something no one else has ever managed to do!)

Bill Fisher
Bill Fisher
3 years 24 days ago

Helped me realize that thinking and dreaming about the things I want would never work until something I did every day moved me in that direction.

Ross
3 years 24 days ago

The bit about earning on the side and quit worrying about the lattes. I haven’t taken any of your classes but just with the freebies and strategies found in your emails in 2 years I have gone from $0/month to $3k/month in extra income.
Proof:

Nan
Nan
3 years 24 days ago

You have encouraged me to think more creatively happy 31st, the best is yet to come

Jonathan
Jonathan
3 years 24 days ago

I learned the power of automation. I learned about indexing. I learned that finance is all about behavior and psychology form iwtytbr.

Nikki
Nikki
3 years 24 days ago

Happy Birthday, Ramit.

Even though I haven’t been able to afford your program, it has given me something to shoot for. I’ve learned a lot from your emails and videos. I know that I’m not stuck in the situation I’m in and your information give me, not only hope, but also the stepping stones to change this life and get the one I’ve dreamed of. Thank you for everything you do.

Jennifer Castillo
Jennifer Castillo
3 years 24 days ago

The most immediate thing I did with the Negotiation Class was to research salaries for a new position. I asked for between 10 – 15k more than I had planned. I got 15K more than expected. I continue to use what I learned in the class. Thanks for giving me the tools to ask for more!

Steven Chan
3 years 24 days ago

Happy birthday, man. I learned a lot from your lectures, your interviews…and it’s been inspiring to me. You have posted on numerous solid habits (e.g. read a book or two a week), habits of successful people, that have helped me improve myself and get myself into the self-improvement mindset. I’ve enjoyed your programs as well.

mel
mel
3 years 24 days ago
wow!!! Happy Birthday!!! I’ve started reading your blog last week – and whoa… i can’t believe that i’m handling better negotiations with a certain client just by testing your advice and applying psychology. (I am a freelance architect) and just recently got a call to someone who wanted to do her interior and expansion of her house. Pinch me. I can’t believe i’m NOT dreaming! I still have a lot to learn but heeeey – results in just two weeks? That’s INSANELY AWESOME! my favorite lesson was the invisible script so far. I tested that theory on my work. My… Read more »
Virginia
Virginia
3 years 24 days ago
I’m just getting started, but the most important thing I’m getting is relief from the psychological barriers that have kept me stuck. And I had an incredible aha moment about natural networking. While sitting at an annual meeting for an organization I occasionally volunteer advise, I realized that I was surrounded by people that most people in this field would kill to have access to. We all have an instant connection because we care deeply about the people this organization serves. And one of them heads two publications that you’d recognize if I mentioned. And when she saw me again… Read more »
Mick R.
Mick R.
3 years 24 days ago

Every time someone (or myself) says “we should plan to do [something]”, I now realize that this is just adding an additional step towards reaching our goal (of getting that something done); whether or not you said this directly, I credit it to you.

Now, instead of just planning to do things eventually, I make a point to move ahead and take action, or actively engage in prioritizing and make the decision NOT to worrying about thing at all.

Happy Birthday, and many more!

Lara
Lara
3 years 24 days ago

Negotiate a higher salary

Joe
Joe
3 years 24 days ago

Happy birthday!! IWTYTBR helped me start off my career with confidence. I had my first real job lined up when I read the book and now I never worry about missing a payment or not saving enough. It is all automated, and working for me. I can focus on my awesome job and having fun in my free time. The emails keep me motivated and provide great perspective.

Jennifer D'Souza
Jennifer D'Souza
3 years 24 days ago

Happy Birthday Ramit and all the very best in the year ahead filled with God’s choicest blessings of good health, peace and happiness. God bless you and all your loved ones.

Marcus Goh
3 years 24 days ago

I just turned 31 too, so happy birthday 82-er! IWT has taught me the importance of automated systems and by a corollary, habit formation. It’s also shown me how lazy I am too, and that every little bit, no matter how small, does count towards progress.

Kevin
Kevin
3 years 24 days ago

Happy Birthday.

What my wife and I have learned is how to value work that we do, how to position, sell, and understand that some people will be ticked everything isn’t free, but that’s okay!

Dinesh J Ranka
Dinesh J Ranka
3 years 24 days ago

Dear Ramit,

You have been a huge source of motivation. Whenever I feel low or lost, I just read through your e-mails.

Learn a lot.

Wish really get out of the scripts I have written for myself and to meet you some day.

Thanks,
Dinesh

James Wyatt
James Wyatt
3 years 24 days ago

IWT has helped me realize how capable I am of living a rich life by revealing my own invisible barriers an teaching me about self-motivation.

Yousuf
Yousuf
3 years 24 days ago

Happy Birthday, Ramit!
You helped me impress my current manager at my job interview by using the Briefcase Technique.
Thanks!

Kimberly
Kimberly
3 years 24 days ago

You have helped me think bigger! I used to strive to achieve six-figures, and now I see that I can achieve much more! Your blog posts are inspiring and looking forward to you new content for the 2013-2014 year.

Phil
Phil
3 years 24 days ago

Ramit, you have allowed me to not stress at all about my transition from the military to the civilian world because I know I can get a great job if I apply your techniques or I can even start my own business if I want. If I decide I’m doing this, nothing is going to stop me, and I’m not going to accept failure, then I know it will happen. Thanks!

Stephen
Stephen
3 years 24 days ago

Have a blessed birthday, Ramit!

First off, your money automation strategy is killer. Saves me time and makes me feel in control.

Second, you helped solidify in me the importance to truly understand the underlying currents of people’s choices, including my own.

Lastly, your videos and insights on negotiation and communication will improve how I (an introvert) interact with others.

Joli
Joli
3 years 24 days ago

Happy Birthday, Ramit.

It made me think about how I have misused credit cards. I need the courage to make a start at reducing my debt, but I feel so overwhelmed.

Joli

Catherine
Catherine
3 years 24 days ago
Happy birthday! When I was your age I was married and had two kids already! 😉 IWTYTBR helped me negotiate with my company — which NEVER funds employee education — to fund me getting a certificate in a programming language. More importantly, I feel that I’m in control of my career path rather than being buffeted by the winds of fate and lucky to have a job at all. Now, when I hear coworkers or ex-coworkers stuck in that conventional thinking and whining, I just shake my head and keep on doing my thing. Nothing I say can help them.… Read more »
Shetu Shah
Shetu Shah
3 years 24 days ago
I am regarded as a top performer at my company, but I didn’t know what to do with the status. I love working at my company, but I was looking for a change from my current role. IWT, specifically RBT, encouraged and prepared me to look for a new role both internally and externally. The support structure broke down invisible scripts that were disqualifying potential roles; one of the monthly interviews instilled a “no regrets” philosophy and pushed me to go for it. I applied for roles within and outside of my company. I got multiple interviews. I got an… Read more »
Kevin
Kevin
3 years 24 days ago

IWT has opened my mind to different ways on how to look at money and how to view life in general. Thank you Ramit and happy birthday! My B-Day is coming up in two weeks as well.

Deanna
Deanna
3 years 24 days ago

Just one way that you’ve helped me, off the top of my head, is automating my accounts. I actually HAVE savings accounts (plural) because of you, and those helped me survive in the 6 months I was unemployed.

Happy birthday!

Ian Rich
Ian Rich
3 years 24 days ago

Happy Birthday Ramit!

Thank you for all of your great free material, and recently the 50 Email scripts. Putting your advice into practice has begun to make me more confident in myself and my future, which is a big deal for someone who has been too timid to put themselves out there. Thank you!!

Nicklas
3 years 24 days ago
Living in Denmark a lot of the principles are a bit intangible for an early twenty-year old, with free education and health care making life pretty easy for a young person. So a problem like getting rid of debt is completely foreign to me, aside from one or two friends buying furniture they couldn’t afford. I guess now that I’m seeing the world and will have to grow up and pay the highest taxation in the world, getting educated in investing is a good idea for me. I have applied some of the principles taught in the book, like automating… Read more »
Eric Todd
Eric Todd
3 years 24 days ago

IWT turned finding my first job after graduation into a manageable step-by-step system.

Aaron pearson
Aaron pearson
3 years 24 days ago

First off, HAPPY BIRTHDAY! To be in your shoes by 31 I would feel homered. Anyway, I feel you have helped me in many aspects of my life, not just financially. But with your book and emails I have been able to lead a better life financially and efficiently. I have also been able to help out my friends in these areas as well. That is what life is about, right? Helping others, giving back more than you take? I think so. So thank you, Ramit! Keep up the great work.

Oh, and you’ll find the right gal. Someday.

megha
megha
3 years 24 days ago

IWTYTBR initially helped me get a 22% increase in my salary in just one year – and that was from the free materials! Now im using the Dream Job modules to help me figure out where I want my career to go next. The free and paid materials have given me DIRECTION where I would otherwise be spinning my wheels. Thanks!!

John Correia
John Correia
3 years 24 days ago

I feel grateful to have come across IWTYTBR. It has helped me to focus my own thought processes relative to money. However, what has been most important to me is how it has shown me the importance of teaching my 16 year old son how to think about money, his future, and how to plan for retirement. I hope that getting him started now will provide him with the tools and habits to make the right decisions while he is young and compounding can work to his favor for a rich life.

Thank you for your continuing help.

Sue Kopca
Sue Kopca
3 years 24 days ago

Happy Birthday Ramit!

I used your scripts to negotiate credit card late fees on two different occasions. It worked smoothly both times. I love reading your material.

Roopkamal Gill
Roopkamal Gill
3 years 24 days ago
Hi Ramit, Happy Birthday! Your material has helped me a lot since January of this year. First, your advice to automate our finances has helped me immensely. I would literally worry about paying my credit card bill starting about 4 to 5 days before it was due. I knew the payment was coming up, but I would wait till the last day before paying it. This happened every month, and twice, I was a day late making payments. Now that my cards are automated, I no longer get a sense of dread when the payment date comes around. (On a… Read more »
Neal
Neal
3 years 24 days ago

I have always equated a job as security for the present and for the future. It is hard to let go if that security blanket. What I learned from earn 1k and IWT is I am not bound by any lone job. I have a choice in what I do and how I do it that gives me the security to pursue what I want.

Aisha
3 years 24 days ago

Happy bday!

I haven’t taken your program but your emails are freakin amazing. They have helped me tons. I love the way you write. You are the only person whose newsletters I actually read. And you are super entertaining.

It really inspired me how to write newsletters for my new job.
So good job sir. And have an amazing bday 🙂

Aisha

Monica
Monica
3 years 24 days ago

Ramit,
You helped me perk up my courage and walk in that negotiation room to ask for more money. You help me stopped disqualifying myself before the opponent did. You taught me that everything is possible. The change of attitude and confidence is not measurable by money.

Thanks and keep up the good work.

Ting-Ting
Ting-Ting
3 years 24 days ago
Happy birthday, Ramit! I might be the only or one of the few teenagers who actually read I Will Teach You to Be Rich. For one thing, I seriously don’t have the money to afford your courses (YET, but I will, it’s on my bucket list!). We share one thing: Asian parents. Seriously, I would definitely sign up for your course with my parents’ help but they’re really skeptical that it’s a scam so I’ll just use my own money, when I have it. Anyways, just reading your daily emails made me realize what a slacker I was and how… Read more »
Eden
Eden
3 years 24 days ago

Has helped meto go niche with my product. Before hearing/ reading your thoughts on this I was all over the place – which was actually draining energy from growing the business.

Ramit, thank you for doing your thing and benefitting us all. Thank you for being our Indian dad and reminding us that next year we will be one year older. What are we going to do?

Happy Birthday!

Jens
Jens
3 years 24 days ago

In the last couple months I’ve started to think about my financial situation. I found your book and blog through lifehacker and your tone and attitude have given me a positive outlook on my own personal finances. I’ve finally begun to take control of my money. I’m just starting. The path seems a bit daunting with all my student loan debt, but I’m actually doing something about it. I’m being proactive with my money for the first time rather than reactive.

YogiZoli
3 years 24 days ago
Most important thing IWT tought me is to figure out WHO am I targetting? I’m especially thankful because I had struggle to choose from lots of ideas which made me stop before I even begin my freelancing. His ideas helped me a lot, now I become laser-focused on what I want and what I offer and most importantly: who I target and how. I also learned: – focus on my clients needs and their benefits instead of my service, – family and friends have no clue about business and pricing, never give a damn to their opinoin, also if they… Read more »
Andrew D
Andrew D
3 years 24 days ago
Happy Birthday! To put it shortly, your blog has started me on my path to financial well-being. I started out doubling down on paying off debt, and trying to get my financial life in order. However, I may be a medium-failure story. I used to read your blog religiously, but definitely haven’t as much lately. I’m balancing a lot more in my life and am slowly carving out the time for really focusing on living a rich life. Regardless, your blog has been very enjoyable and I’ve had a many good laughs from it. I’ll be back soon, so keep… Read more »
Jason LeBeouf
Jason LeBeouf
3 years 24 days ago
The book was great, I have given away at least four copies to friends and family. I liked that the book was easy to read and enjoyed the personal antidotes and humor. The biggest take-a-ways for me; calling my credit card company and asking for increased maximum limits, I have almost tripled my borrowing capacity in the last 18 months. Automating my finances and taking advantage of credit card rewards. The advice to maximize my 401(k) contributions. I enjoyed learning about investing and really positioning myself to focus on the big wins. I have decided to wait to purchase a… Read more »
Ivan Valles
Ivan Valles
3 years 24 days ago
Happy Birthday! IWT has helped me immensely. I used to be mostly passive on things like finding a better job, or being better at my current one, creating a business. The way you have helped me is to develop a different inner dialogue, and people around me notice the difference in my performance. Everything from my job to my relationships has grown, and I’ve gotten to a better place in my life. I am 10 times happier than last year, and I look forward to being 20 times better by next year. You’ve helped me grow, and develop the mindset… Read more »
nainesh
nainesh
3 years 24 days ago

pls teach me how to be rich by using your tricks pls help me

design by behin
3 years 24 days ago

Happy birthday Remit!

I still have lots of reading to do, ( your emails) but I like when you talked about if you have a question from an expert, what it is that I can offer that person in return? and how to approach them. Still practicing it! and hoping for a good result one of these days! Behin.

David
David
3 years 24 days ago

Happy birthday!

IWTYTBR (book and website) helped me negotiate lower rates on several bills as well as negotiate a $7K raise at my day job, which has so far helped me pay off over half of the credit debts I’d dug my way into. I’ve also started doing freelance work on the side.

Thanks a lot, Ramit.

Rodolfo
Rodolfo
3 years 24 days ago

Automate bills.

Keoki
Keoki
3 years 24 days ago

Your book inspired me to automate my savings and start up a retirement account.

Lisa
Lisa
3 years 24 days ago
Hi Ramit, I’ve learned that it’s not enough to work hard and hope for someone to notice me, and that I’m not at the mercy of hiring managers and interviewers. Since I began reading IWT, I’ve learned that I can’t allow my shyness to be an excuse for not networking, and IWT gave me the framework to begin networking effectively. As a result, I prepare for interviews in a completely different way than I had before, in order to direct the conversation to my advantage. I’m much less nervous when I walk into an interview now than I before I… Read more »
Nancy Ging
3 years 24 days ago

IWTYTBR helped me set up automation of my bank accounts. I’ve also done more negotiating with my bank to get better rates. You mentioned some possibilities I wasn’t previously aware of. Happy birthday, Ramit!

Nancy Ging
3 years 24 days ago

Plus, you’ve made me laugh out loud on more than one occasion (such as the psychological contest with your mother–hilarious)! Happy birthday, Ramit!

Joleen
Joleen
3 years 24 days ago

I watched that video with you and Chase Jarvis the night before I got a call to do a quote on this huge project. I just recently started my small business and wasn’t expecting a call like that yet. So that video helped me so much on ‘pricing’ my work and time and not to quote too low even if it’s your first major project. I just felt like I was more equipped to handle that kind of proposal. Thx:)

Rupa Patel
3 years 24 days ago

I’m starting to realize what is preventing me from doing things well that I know I am capable of doing well. All the psychological hurdles in the world can still be worked through, rationally and unemotionally, and allowing yourself the time to get to a deep understanding of WHY you are falling back on old habits and automatically trusting scripts that you consciously know don’t work. Success will likely follow you then, but the hurdles have to be overcome first for the success to be more than circumstantial.

Nemo
Nemo
3 years 24 days ago
Narrowing down to one thing that has helped me is difficult. If there is one take away that has resinated more than anything else is that we should continually invest in bettering ourselves. I recently am back in school to finally finish my Bachelors degree that is long overdue. My mentor sent me a link to your blog and i have been hooked since. I am now looking at filtering ideas for starting up a side business to earn extra money while holding down my regular job, for now, and finishing school. I am starting to act on my desire… Read more »
LKay
3 years 24 days ago
Things I learned from your book/blog/lessons: -nothing so scary about credit cards- you broke it down a lot better and more clearly than my family who gave mixed messages of ‘GET IT-BECAUSE.’ and ‘DON’T- BECAUSE.’ and also through your book I’ve started an automatic payment for all my school loans-heck, one of the loans even lowers their APR a bit if you enroll in autopay. -When I got my first art-related job, there were a combination of stuff I applied from your stuff to getting the job: I sold my skills and most importantly had a ton of suggestions on… Read more »
Jon
3 years 24 days ago
2 things: 1) The focus on the BIG WINS. Combining frugality with spending money on the things you love. Not bogging yourself down with details UNTIL you get the basics and core level things in place. It is very true that we have a tendency to busy ourselves with UNPRODUCTIVE minutiae. 2) The importance of implementing systems / automation vs trying to chase luck-based tactics. Bonafide systems give you REPRODUCIBLE results, which is worth its weight in gold. A lucky tactic may work today, but what about next week. 3) You use real examples are are not afraid to offer… Read more »
Mike King
Mike King
3 years 24 days ago

IWT has helped me by giving me a new perspective on the job market and my career. This new perspective led me to a change in career direction that has proven to be very beneficial.

Dash
Dash
3 years 24 days ago

Happy birthday Ramit. IWT has helped me confirm im on the right track with my finances. Thanks heaps.

Bharath
3 years 24 days ago

rapid testing and iteration and moving from one idea to another

Dennis
Dennis
3 years 24 days ago

Hi Ramit,

I think the best thing your site has taught me is how much that I can do myself. I guess that falls under master your inner psychology. I immediately recognize excuses I use and see how I can test those excuses to see if they hold true and then proceed to master what I thought was impossible or the “I’m not that kind of person” type. It’s not that you specifically wrote about it in an article, it’s the tone of all your articles that shines through. Great job.

Jip
Jip
3 years 24 days ago

Greetings from Singapore Ramit.

You’ve taught me that all is a battle within ourselves, between the two ears. If one can improve their self worth, they can change their life. Thanks.

Judy
Judy
3 years 24 days ago
Hi Ramit and Happy Birthday. Automating finances. I was already doing it but I’ll move it to a whole other level. Finding only ONE HOUR per day to earn extra cash. Breaking it down to such a specificity helped me realise that it is do-able. I am using this to finish my Masters, then I’ll write my book. Plus your emails are fun. Full of typos (hehehehe…) but fun. And that’s also freed me psychologically because it’s helped me realise that as long as you excel in your area of expertise, you don’t have to bog yourself down with other… Read more »
Rici
Rici
3 years 24 days ago
Ramit!!!! Tantiiiii Auguri! Alles Gute zum Geburtstag! Happy Birthday! You are incredible! If this is really your only wish! Well I think during the last weeks your input has helped me to channel the amount of ideas into some basic dreams I wanna work for. I have them on my windowsill and in my calender. They helped me to keep in mind what I wanna fight and work for. Some days these little hints have truly helped me to get my work load done in a better way. I enjoy reading your arguments about how to spent more on the… Read more »
Ilovelisa
Ilovelisa
3 years 24 days ago

It’s my birthday as of 12:18am, so for less than an hour. Guess how old? Thirty Fun (31). But don’t worry, I take great care of my most important asset: my skin. As a result I get carded for lighters. Which is funny as a non smoker. Ha.

Anyway, I enjoyed your confidence and story telling videos. Thanks.

Jeanette
3 years 24 days ago

Happpy B-day Ramit!:)
Hope you will get a great day!:) And thank you for all that you share and do!:) Got some nice insights from you:) So thank you:)

All the best.
Jeanette

louise
louise
3 years 24 days ago

Happy Birthday Ramit! I hope it’s a good one!

You helped me get my dream job with the most awesome company on the planet, in a city I love, and helped me pay off my debt and get my confidence back. It’s almost unbelievable, I have to keep pinching myself that it’s true.

THANK YOU!!!!!

Kerry
Kerry
3 years 24 days ago
I’ve been fascinated with your posts since I first came across you on Social Triggers a year or two ago. I’m a 40-something mom living the US expat life in Cape Town, and always considered myself outside your target market but had fun learning anyways. I love the psychology made evident in your writing and have used your negotiation techniques in my own business. The biggest help from your teachings just came through for my family. My husband was being heavily recruited for an interesting position with NASA back in the US. The benefits were so good that there was… Read more »
Fly Dimond
Fly Dimond
3 years 24 days ago

HAPPY BIRTHDAY Ramit!!! 🙂
I negotiated a 20% salary increase on some freelance contract work that I recently undertook after listening to Ramit’s negotiation tips. I followed everything he said and it worked a dream!!!!
THANK YOU Ramit!!!! 🙂

sonal
sonal
3 years 24 days ago

First of all many many happy returns of the day 🙂 ..
Thank god , Except Home loan , there is no other debt on me and I always spend within my means (i.e maximum of 50% of my earning , I can spent). I learnt there is no shortcut to earn money as well as there is no need to spend money in one single day. Its a process in which we learn how to make money and also we cant save by cutting all our expenses in one day.

Ngoc
Ngoc
3 years 24 days ago
Happy birthday Ramit! I still remember the first time I got here, I took a glance at the posts and wondered why they were always long long long… but after subscribing to your newsletters I came to realize you had a good reason to write such long posts. Through time your long posts have been helping me understand what’s going on in my head (invisible scripts), how to deal with those and flip them to make my life better! I also understand why some people do this, do that, why some have always been failing and got stuck in their… Read more »
Faiyam Rahman
Faiyam Rahman
3 years 24 days ago

Helped me, a 22 year old recent college grad, get to know the framework of personal finance. Optimized my credit cards, got an awesome checking account, setup concrete savings goals, and even invested in a 2055 lifecycle fund via my Schwab Roth IRA. I’m dominating all my friends in the personal finance arena, and it feels good.

Rachel
Rachel
3 years 24 days ago

Happy Birthday, Ramit. Your advice in Earn 1K helped me return to teaching English to French students, something I had given up as it definitely wasn’t my ‘passion’ even though I am good at it. Starting with volunteer teaching in a French nursery school, in 1 year I have ended up with flexible teaching hours in the local university and some keen private students (well, their parents are keen). The extra 1K is more like 5K this year. Thanks for provoking me into action.

Monis
Monis
3 years 24 days ago
Hi Ramit, Happy Birthday or Eid Milad Saeed as we say it in Arabic. Hope you have a great birthday experience. I have just signed up for the Dream Job course after reading your newsletter for many months. And I am already very excited at the change that I will bring into my life because of your training. You are a God send for many souls as you are truly helping us live the Rich Lives that we have all dreamed about. I am glad that address the social & psychological aspects of behavior change which is the most important… Read more »
Maxime
Maxime
3 years 24 days ago

Helped me :
– land my first client
– better talk with my wife about money
– manage energy levels instead of time

And I’m still learning.

Bel
3 years 24 days ago

I actually don’t do your exercises but I read your mails as an example of great work. Keep it real!

Congrats and Happy B-day!

Enjoy!

Robyn
Robyn
3 years 24 days ago

I love all your insights into the psychology of financial decisions. Being a procrastinator, automating my bill payment has saved money I would have paid in late fees. I also have used the “negotiating like an Indian” tactics from IWTYTBR to renegotiate cable and telephone contracts. Relatively small stuff compared to getting a better job or higher salary, but really, really helpful! Thanks and happy birthday!

Raphael Soares
Raphael Soares
3 years 24 days ago
Happy birthday Ramit!! You helped me to get a job. Now that I got a job you motivated me to start a business on the side. So, how did you helped me? First things first, I came across your blog since I was searching for tips on how to write/present a CV. At that point I was looking for a job for about 3 months. Of course after coming across your blog I changed much more than my CV. as you can imagine I adapted my CV and presentation letter to the job I was applying to. But the game… Read more »
Katie
Katie
3 years 24 days ago

You taught me how to manage my money without tedious budgeting and create a financial plan with my husband. You’ve also given me the confidence and tools to create a rich life on my terms – without working 80 hours a week. I now understand that the invisible scripts I believed my whole life are WRONG, and I no longer listen to the well-meaning advice of mediocre achievers. I feel armed and ready for adulthood now and will definitely be your student for life.

Kazuo Nakamura
Kazuo Nakamura
3 years 24 days ago

Ramit and his team helped me land my dream job. I was a struggling vet with no idea what direction to take, and the course he developed changed my life. I went from $200 a month to $7,000 a month after taxes. Your son is helping a lot of people, and the work he does enriches the lives of those who choose to take action and take their lives in a more fruitful direction.

Rita
Rita
3 years 24 days ago

Thank you for making your Find your dreamjob content available for everyone, I prepared to a job interview very seriously with them, which resulted in getting the job within 5 minutes into the interview. With your advice and strategies, I believe I entered the interview room with such confidence and enthusiasm, I projected my “no doubt” attitude so well, the third question I received was “When could you start?”. Lesson for life for me that thoughtful preparation brings the amount of self confidence which is necessary to success.
Have a great birthday, you surely deserve it!

Akshay Nanavati
3 years 24 days ago
Hey Ramit. Happy birthday! I hope you had an awesome weekend. Loved the pic in the Black Hawk by the way. The biggest thing you have helped me to do which I can’t thank you enough for is build on the idea of implementing systems. Since I began using systems in my life and removed the element of thought from my daily actions, I have begun a regular meditation schedule, ignited my exercise routine (on path for my first Ultra this year), gotten more clients in my business, on path to publish my first book later this year, been cave… Read more »
Marcel Reining
Marcel Reining
3 years 24 days ago

Happy Birthday,
You keep me focussed on the things that really make me feel I am having a riche life.

Terry Gillespie
Terry Gillespie
3 years 24 days ago

Ramit, I have done what you suggest most of my working life and now I am a well-off retired person. People, listen to Ramit! You will never learn to be rich from a poor person.

Chris Ryman
Chris Ryman
3 years 24 days ago

Ramit, happy birthday. The reason I love your material, and continue to give you $ is because You showed me how to automate my finances, for free!!! This is one of the biggest wins in my life, because I’m not rich, but because of IWTYTBR I can live life much less worried about my finances. Now I’m able to save $ and spend lavishly when I want/need without any regret/worry/hesitation, because it works.

Stephanie T.
Stephanie T.
3 years 24 days ago

You point out simple things (not that they are all easy) that anyone can do. You talk about finances I’m a way that keeps everyone awash! Happy birthday!

Ghada Shams
Ghada Shams
3 years 24 days ago
Hi Ramit! Happy Birthday! So now that I know you are Cancerian I understand why you are so good at what you do . In addition to your diligence and hard work , YOU ARE BORN WITH A NATURAL TALENT FOR FINANCES AND PSYCHOLOGY so after all YOU MADE THE RIGHT CHOICES! This is something I have learned from your work and I can see how it has worked for you! I now am more vigorous in my attacks on my psychological barriers, and I understand to a much better extent my husband’s financial mindset; There are a few other… Read more »
Melissa
Melissa
3 years 24 days ago
The best thing you’ve impressed upon me is the need for review. So it’s not just setting a goal (daily, weekly, etc) but reviewing those process of hitting the goal to see what the big picture result was. It is interesting because sometimes (often) I meet the goal I set but realise upon review that there is more to be gained that I saw at first glance. It has also helped me focus on what is actually bringing return – in other words achieving a goal that does not actually move things toward the bigger picture is not necessarily a… Read more »
Dom
Dom
3 years 24 days ago

happy birthday!!
odd that I’m the one getting the present….your book has helped me in a number of ways for various parts of my life’s outlook: the main takeaway?
confidence and assertiveness plus the rewriting of your scripts/stories we tell ourselves.
winners have systems!!
thank you
p.s.: will have a margarita in honor of your birthday!

matt
matt
3 years 24 days ago

Helped me get my personal finances in order. I have everything automated now and it has helped tremendously with the stress I was having. I’m now reading in to Ramit’s success triggers, to help with my aspirations of becoming a business owner. Thanks for all the info Ramit.

Pat
Pat
3 years 24 days ago

Automated my finances and gave my self more time, less anxiety. Got more confidence to earn a bit more on the side . Just enjoy your writing, and able to have a book to share with a young person just starting out. Thx

Caitlin
Caitlin
3 years 24 days ago

Enjoy the new year!

Thanks for the automation system for bills, most of all! And thanks, even, for the biting humor, and the insights into psychological barriers..

And further beyond, the detailed tips to help fulfill important strategies!

IE, How to e-mail busy people, scheduling in time to work on financial projects/phone calls.

You must have a great team!

Sara
Sara
3 years 24 days ago

What is the balance between building a savings, paying down student loans and paying down a mortgage?

Jonathan
Jonathan
3 years 24 days ago

Ramit,

Happy Birthday!

Used the briefcase technique to get a 40% raise.

Thanks,
Jonathan

Lauren K.
Lauren K.
3 years 24 days ago

IWT has helped me advocate for myself. I negotiated for my salary and allowing myself to search for my Dream Job.

Rick DuVall
Rick DuVall
3 years 24 days ago

I might be the oldest person following you. At 55 years old, last month I celebrated my 33rd year of marriage to the same awesome lady. We have always been focused on handling my finances and have always been blessed with good jobs, however I always pick up some jewel from everything you write. Keep up the good work and Happy Birthday!

Sambath
Sambath
3 years 24 days ago
I believe the very first time I saw/heard about you, you were promoting your then, brand new book IWTYTBR on Attack of the Show. Since then, I’ve gotten married, paid off a combined $12,000 of consumer and student loan debts and found a job I enjoy. It’s not my dream job, but I know I’m on the right path to a richer and fulfilling life because of the things I learned from you. To be honest, I’m one of the earn1k dropouts, but the things I learned from the course, I preached to my wife and helped guide her to… Read more »
Aminu M. kodel
Aminu M. kodel
3 years 24 days ago
From the land of Africa. I have been on your mailing list for a while now , in my effort to make my life more effective . I was introduced to your site by a friend . Thanks I did not even buy any of your package because of change rate from naira to dollar .Non the less i’m able to use some information from your newsletter to established a small fish hatchery with a small scale iceblock production outfit . Indeed you spurred me up & you make me think and act differently . ‘Thanks a billion times once… Read more »
teri [a foodie stays fit]
3 years 24 days ago

Happy Birthday Ramit! You inspired me to stop accepting requests from companies to review their products on my blog without additional monetary compensation. Aside from the extra cash, it’s also reduced the stress in my life with my side job because it’s limited the number of products I have to cover on my blog.

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