The Ultimate Guide to Personal Finance
Money Management Made Simple

The Ultimate Guide to Personal Finance: Money Management Made Simple

Good news: You don't have to be perfect to be rich. Or the smartest person in the room. Or a type-A personality. Or lucky.

In fact, you can set yourself on the road to wealth with any amount of money if you use the easy, “set it and forget it“ system I'll show you below.

Imagine this

How would your life change if you woke up everyday knowing:

Your money was automatically going where it was supposed to

Your bills were paid on time every month (without you even thinking about it)

You automatically saved money

You invested in all the right places without lifting a finger

And you even had some income left over to spend on what you love – guilt free

Not a pipedream. That's true financial freedom.

And that's what this guide is all about. You can end your money worries, feelings of overwhelm, and the frustration of sifting through the mountains of financial information.

And you don't have to spend years studying compound interest charts or weeks trying to find the latest hot stocks to get there.

All that's required of you is a willingness to think about money in a different way than you're probably used to.

Download the free PDF: “The Ultimate Guide to Personal Finance: Money Management Made Simple”

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In this guide you'll learn:

Money Mistakes

The problem with conventional money advice that keeps many of us frustrated and confused

Take Me To Part 1


How to setup your accounts so you spend less than an hour per month worrying about money

Take Me To Part 2

Hidden Income

The secret to saving money painlessly – while still spending money on your “guilty” pleasures

Take Me To Part 3


Investing for beginners: get great returns without the confusion and overwhelm

Take Me To Part 4

Eliminate Debt

Why debt is hard to pay down, and how to make it simple and painless to get out of debt

Take Me To Part 5

Earn More

How to take your money to the next level by making more of it – using skills you already have

Take Me To Part 6

Who am I?

About Ramit Sethi

Hi, I'm Ramit Sethi. I'm the New York Times bestselling author of the book, I Will Teach You To Be Rich.

I've helped millions of readers live a rich life using psychology, tough love, and tested, step-by-step systems that work in the real world.

I Will Teach You To Be Rich book cover

Why I wrote this guide

I started I Will Teach You To Be Rich because I was tired of hearing so-called financial “experts“ telling us ALL the things we couldn't do with our money.

  • No vacations…
  • No lattes…
  • No buying anything we enjoy.

And after 60 years of cutting back, you just might have enough in savings to MAYBE (someday) enjoy it.

I didn't believe it.

To me, living a Rich Life - and being in control of my money - wasn't about cutting back on everything.

I wanted more, and, if you're reading this, I bet you do, too.

We want to go out with our friends. We want to take amazing vacations. We want to buy gifts for our family, donate to charity, and live in nice places.

But how?

Back in 2004 when I first started learning about money, I had the same question. Then, I was just a frustrated college student.

I started to learn about investing and my finances after taking my first scholarship check, investing it in the stock market, and immediately losing half my money.

This was a big turning point for me. I realized if I didn't learn how money worked, I'd end up the same as everyone else around me – broke, in debt, and clueless about how money actually works.

So I spent years reading every book I could find, watching every TV show, devouring all the financial tips and advice I could, and I finally developed my own philosophy on money.

I realized that when it comes to money:

  • We need to put systems in place, rather than continuously having to choose how much to spend or save (Part 2)
  • Most of us leave thousands of dollars on the table every month (And you can put that money back in your pocket with just a few phone calls… we'll cover that in Part 3)
  • When it comes to investing, you don't need to try to beat the market (despite what financial “gurus” think… discussed in Part 4)
  • And, lastly, money is only a small part of living a rich and fulfilled life.

What does a “rich life” look like to you?

It's an honest question that you should spend some time really trying to answer. Everyone's "rich life" looks different.

Here's what living a Rich Life means to me:

  • Being able to help my parents save for their retirement
  • Affording a personal trainer, a personal chef, and beautiful clothes
  • Travelling last-minute to Asia with my friends – just because
Here's what living a Rich Life means to me: flying my parents in for the holidays
Here's what living a Rich Life means to me: travelling last-minute to Asia with my friends – just because At the high end, the suit designer comes to your apartment or office, because why should you have to go to him?

What does more money and living a Rich Life mean to YOU?

It not just the money we're after. But mastering our money is the first step toward creating our own Rich Lives.

Nobody wants to spend all their time thinking about money.

But we all want the experiences that properly managing money gives us: being able to buy a round of drinks for our friends, being able to take 3-week vacations, being able to buy nice clothes or shoes – all guilt free.

You can get started now.

How money really works –
what the other guys don't tell you

The problem with conventional money advice

Many of us mistakenly focus on the most pointless areas of personal finance – nobody's taught us any other way! Should I open this credit card? I feel guilty paying for name-brand cheese. Do you think I should buy one of those coupon books? I'll show you how to work on the right things with your money and avoid costly mistakes.

Take Me To Part 1

Let your money work while you sleep

Want to make your accounts work together and save automatically? I'll reveal the exact strategies you can use to save money, pay your bills, and invest – all hassle-free and all automatic for life.

Take Me To Part 2

Save painlessly while enjoying life's “guilty” pleasures

Cutting back on lattes and other conventional advice simply doesn't work. Why have money if we're not allowed to spend it? I'll show you how to spend your money guilt-free on what you love while cutting costs mercilessly on what you don't.

Take Me To Part 3

Build your bulletproof portfolio

How would you like to have a portfolio of investments – and all the right retirement accounts – that puts stock-pickers and financial “experts” to shame? I can help you get there with some simple (but ultra-effective) investing strategies.

Take Me To Part 4

Pay off your debt

If you have credit card debt — even if you aren't sure exactly how much you have — I'll show you how to pay it off faster. I've even gone so far as to create a new tool to show you exactly how much you owe and how to pay it off as painlessly as possible.

Take Me To Part 5

Earn more money

Let me give you a life-changing fact: there's a limit to how much you can save but no limit to how much you can earn. Earning more money is the fastest and biggest way to improve your financial situation. And you don't have to go back to school, change careers, or even learn new skills to up your earning power.

Take Me To Part 6
The Ultimate Guide to Personal Finance: Money Management Made Simple