Moneymonk

Personal Entrepreneurship
How can people accomplish guilt free spending and healthy savings at the same time.

off topic, I saw a Indian couple driving a 2 door Honda Accord~

Josh

I’d like to know a little about the process of turning a blog into a business. what to do when the money starts coming in. I’m at the point where I need to form business and report taxes. what are the best online business accounts? what are the best ways to shelter taxes? protect interests? pay yourself? I’m sure a whole book could be written on this too

Brian

Would like to see your recommended breakdowns of the “best” Credit Cards depending on a persons situation as was discussed in DC, but thats for me personally. I am really looking forward to your post of earning your first $1K freelancing whenever you get around to it.

Nathan

More specifics about overcoming the transactions costs of turning an idea into a business, and in general, starting a small business. More entrepreneurship posts!

dream

How about leveraging credit to start businesses for people who have decent credit but an unexpected drastic reduction in income. I’ve recently started buying at auctions and selling on ebay, Amazon and Craigslist. My blog/website needs a lot of work before I start promoting it. (If you get really bored you might check it out… I’m SURE I am NOT one of your core demographics!! LMAO)

Meg

I also would have an interest in reading a piece on turning a blog into a business.

Jeff Lee

Interview a stripper, so we can learn all about how her dancing is maximizing her income and putting her through med school.

Andy Pels

@ramit The other day you asked, “What do you think — what’s the best business checking account?” Are you ready to write about that?
-@andypels

dream

The Cheetah in Atlanta Ga. is a good place to find a stripper putting herself through Med school. I’ve talked to a few doing just that but it was several years ago.

Nikc

In the Tim Ferriss webcast you talked about applying an 80/20 analysis to the important things in your life. This is a relatively new concept to me. Based on your comment alone , I went online and researched it a bunch. Would love to see an article about it, applying it to things like time, finances, hobbies, etc.

Blake

I’m always interested in more advice on paying back significant amounts of student loans. Also, now following you on Twitter: @BlakePinard

Tim

It’d be great to hear about tax options for freelancer!

oh, and @timurian is following @ramit

Shamik Shukla

@ramit – I think you should write about how to make a blog profitable and the process. I once asked you a question on how to increase traffic and your answer was good content. However, I would like to know other tips such as when you should hire a professional designer, SEO, when and how to go about putting ads on your blog, giveaways, charitable giveaways and how to go about it, etc. Even telling your process and story would be beneficial. Thanks,

Btw, my twitter is @shamikshukla

PR

First of all, thank you. You have opened my eyes – I can’t thank you enough!!

I would like you to write about:
FIRST TOPIC
1) If someone has 5K, how should he go about investing, rather, what should he do?
2) If someone has 10K, how should he go about investing
Even though this is simple question, I am finding it hard to really find a good way to invest this money. I have heard enough abt 401K and Roth IRA. So, if you could write investing from any other perspective, that would be greatly appreciated.

SECOND TOPIC:
How to should prioritize investing? Should we invest in real estate first, stocks next etc etc – I am abt 33 yrs old and have a hard time trying to focus on determining what should be my top priority. Any suggestions would be helpful.

Nate

I’d be curious to see what you have to say about the most recent “Feed The Pig” podcast, “Episode 26 – Choosing the Correct Bank for You,” found here: http://feedthepig.podomatic.com/

I listen to these occasionally, and they sometimes have some decent info, but this one blew me away, in that I think they missed almost every opportunity to offer actually useful advice (including a ridiculous amount of time spent talking about ATM fees, with no mention that banks exist that will reimburse them from any ATM). For an organization that at least seems like it’s trying to pitch itself to a younger crowd, it’s unfortunate to see such inattention to developments in the banking world in the era of the internet that are of the most use to the generation they’re trying to help. Anyway, could be a standalone post or part of a larger one on visible, but poor or incomplete, financial advice.

By the way, saw the write-up in the Philadelphia Metro today. Nice.

RTAC

Ideas for single parents paying a motgage on their own

David Glover

I have a blog, receive great feedback on my writing, but it’s not putting money in my pocket (yet). I would love to hear suggestions / strategies to build up traffic and generate revenue.

Jeff

I’d like to get your take on retirement planning. There are 1 million people selling this, but they don’t make money solving the problem or providing really useful information.

David

I think you should write about the steps to take NOW to ensure that you’re in a position to take advantage when the economic recovers.

Chris

I’d love to see your thoughts on general non-profit management as well as finding unique funding sources.

Kimmoy

I say bring back Entrepreneur Fridays. Loved those stories!
@kimmoy

Glen

I retweeted you but I figured I can be more elaborate in a comment.

I have read the book and realized that “investing is not about picking stocks”. Where would discounted stock options fit into your hierarchy of investing? But what if you are getting a 1 to 1 match on your money? I’ve asked this in the forums and have been told that it falls under the “shouldn’t be passed up” category.

I think you could write about what makes a stock option worth investing in and how it would fall into the 401k match, pay down debt, Roth IRA, max out 401k hierarchy.

Ryan

I would like more of the Money Diaries. I found them both interesting and entertaining.

Max

I asked you this on email before, and in fact you said you’d write something about it, but I never saw anything really..

What advice do you have for those that are maybe younger than the average reader of your site? Instead of a college kid, which you probably receive as an average reader, what about a 17 year old, a junior in high school? I hear horror stories of college grads (people only five years older than me) that leave college in mountains of debt, bed credit history, and just a lousy financial situation in general. What can I do to avoid this? Or should I even avoid this in the first place (I’m referencing your article where you ask us to differentiate between frugality and cheapness – a college education may be a kind of investment worth going into debt for)? I have a job with my mom, I get paid around 10 dollars an hour, but have a lot of trouble saving it (ie, I don’t really have a specific goal).

I just don’t want to feel the stall that most people seem to experience after graduating college.

Oh, and I’ve scoured your book for advice that’s applicable to me, and I can’t even do half the things in there because I’m not 18 yet!

Chris

Dude, how about writing about giving money away – how, when, to who? So we’re in hard times and truly being “rich” is about passing it on too… it gives purpose and has a way of coming back to you tenfold – not that that should be the reason for doing it!

David

I’m sure you’ve had plenty of experience with negotiation. After tonight’s experience, I realized I need a way to negotiate/price/sell. I suddenly realized I either a. suck b. have no backbone and c. can’t think quick enough on my feet and d. I’m stupid. I would love an article that focuses on negotiation (either cars, items on Craigslist, etc.) or book recommendations.

I sent you an email with details behind this in case you are curious. Boy, am I pissed at myself.

make money from home

I think it would be interesting to read how you think things were when you started out and how you think things are now. Like do you think it is easier to make money online now, if you did it over would you do it differently?

Matthew

Does buying savings bonds make sense?
Which blogs do you read daily?
How do I save money at the vet?
How do I save money on dog food?
How to never pay an application fee again.
How moving each year is so expensive, i.e. House Deposits, Utility Deposits, etc

JT

Can you do more videos like the Suze Saga and the Frugal spoof thing? They are really entertaining.

Also, just more real world real people examples. I’m endlessly fascinated by stuff like the money diaries because its an honest glimpse into people’s daily relationship with money.

Hans

Would like to hear what you think about President’s Obama economic plan. The logic of having a tax cheat run financial operations.

Scott

Investing, investing, investing. Investing for retirement and for income.

Matt

I now have my debt paid off and since reading your book am taking my savings and investing to a new level. Two questions that I have never really read anything about (i’ve read many personal finance books):

1. If I am making a monthly contribution to my IRA, is one time in the month better to invest than others? I was just thinking that nearly everyone gets paid on the 1st of the month and so 401K managers “have” to buy at that time. Due to supply and demand, it seems like prices would go up as the demand peaks during this time. Perhaps it would be better to invest on the 10th of the month?
2. If you have a 401k and an IRA does it make sense to keep more conservative investments in your 401k and more growth investments in your IRA. As you will pay tax on 401k earnings and won’t with a Roth IRA it seems you would want most of your growth in the IRA. I was thinking of making my 401k all bonds and my IRA all stocks if they percentages were right for my age.

Anyways, I’d like to hear your thoughts as I had not seen them discussed before.

Great book, thanks!

gaurav

after investing in lifecycle funds, is there any other investment strategy.or just pick a lifecycle fund and keep on adding money to that.
is that all for investment i think we need more details.

Ed

Entrepunership, how to know if you should jump in to a new business.

Jessica

I did a search on your site for things regarding college debts and can’t find anything. Would you care to share some insight on college debts? As someone straight out of school in the middle of a time when no one is going to give good loan rates, I don’t know how to deal with paying off my tuition without dealing with insane interest rates.

Charles

How will the new credit card laws effect everyone (especially me!!)) Last mont I opened a secured credit card to pay my bills (I pay it off every month), but in 6 months to a year I want to turn it into a real credit card to use to get more flier miles!

Kam

More articles on entrepreneurship and overcoming barriers to becoming an entrepreneur would be great. I’d love your no-nonsense approach to starting businesses/encouraging entrepreneurship – your articles are great at motivating me to be financially savvy, so it would be ideal if you could capture that for encouraging people to be more innovative and start small/large/online businesses.

Ekong Caruncho

Your thoughts on collecting stuff. You love pens right? How ’bout people like me who collect toys? It’s a very expensive hobby, but it gives me joy that I spend time cleaning it and stuff.

TC

I’ve read your thoughts on how to automate savings and pay your bills, but the biggest break down for me (and most people) is how much to constrain spending/budget on for committed expenses (mortgage, car payments, etc) and discretionary spending. I’ve been a long time follower of the “60% solution” which says that no more than 60% of your expenses shoudl be on committed expenses. Remaining 40% is broken out equally across retirment (401k), short term savings, long term savings, and discretionary/fun.

So rather than go over excrutiating detail on each category of spending, you really only have a few different buckets. I find this simplicity nice.

I would love to see you write about the how this system compares to yours, and how your system would mesh well with this one (if you think it’s a good one).