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I Will Teach You To Be Rich turns 10 years old!

Ramit Sethi

Exactly 10 years ago today, I launched IWT.

When I started, it was a personal blog that nobody read. But I was tired of hearing so-called experts tell us what we COULDN’T do with our money: No vacations…no lattes…no buying anything. In 60 years, you just might have something in savings.

I didn’t believe it. And I bet you and I would rather live a Rich Life than one where we’re constantly trying to cut back on everything. As I’ve said, there’s a limit to how much you can cut back…but no limit to how much you can earn.

This idea of “expanding the pie” — and using psychology to help us live the lives we want — helped us grow this IWT community of hundreds of thousands of people who are unapologetic about wanting to live a Rich Life.

YES! We want more. 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 a nice place.

What an amazing world that we can meet other people who feel the same way.

Back then, in 2004, things were different. I was a frustrated college student.

See, I’d learned about investing and money after taking my first scholarship check, investing it in the stock market, and 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.

So after I spent years reading every book I could find, watching every TV show, etc. I developed my own philosophy on money. I wanted to share it with other people and show them that they could use money and psychology to help them lead a Rich Life. The problem was, everyone said, “Wow! I definitely want to learn about money!” Then they never showed up.

emptyseminarsmallI hate you, non-attendees.

After a year and a half of trying to convince people to come to my free class (especially haunting for me since I hate doing anything alone, including eating out alone, seeing movies alone, etc.), I realized I had to try something different.

So I decided to start a blog, hoping that my lazy college friends would rather learn about money from the comforts of their dorm room then come to an event about money. Yes, I was sober when I chose the name.

Today is a special day for me, so I’d like to look back on the journey that made the IWT you know today.

ramitclassMe talking personal finance around 2005. Look at that size XL shirt. If I’d turned 16 degrees to the right, I would have disappeared.
ramitspeechMe speaking on behavioral change at a recent conference in New York City.
rbtmeetupMy favorite thing: Meeting my readers and seeing them make friends with each other. IWT readers host hundreds of meetups in 100+ cities around the world every year via Ramit’s Brain Trust.
oldsiteThe first I was not a master at design.
newsiteNew website. We now have dozens of designers, strategists, product designers, and technology experts who run over 250 tests a year to create the best material for you.

Last year, I shared a few lessons I learned from 9 years of writing IWT. Today, I want to share 6 lessons I’ve learned in the last 10 years.

LESSON #1: Be brutally honest with yourself

I had a fascinating email exchange with one of my readers. I had asked readers, “What do you claim is important, but you haven’t done it?”

She wrote back, telling me she wanted to run 3x/week, but just couldn’t seem to do it. I said, “Why not just run once/week?”

Her response: “I don’t really see the point of running once/week.”

Think about that. She would dream about running three times a week…instead of ACTUALLY running once/week.

She would rather lie to herself than be brutally honest! Easy to laugh, but we all do this. In fact, many of us begin lying to ourselves from the very minute we wake up: “Ugh, I want to sleep 20 minutes more…I’ll go to the gym after work today” (knowing we won’t go as we say it).

What else do you claim is important, but you haven’t done it? Try to identify 3 areas. This is really HARD. Our mind creates all kinds of defense mechanisms to avoid answering this tough question.

The most successful people are BRUTALLY HONEST about their shortcomings and about systematically prioritizing them to improve. Go read James Altucher for the best example.

I believe this is so important, I want to share a video from one of my premium courses on how to be brutally honest with yourself:

Video from my program on mastering your psychology: Success Triggers.

LESSON #2: Invest in yourself

When I was launching Zero to Launch a few months ago, I started getting text messages from friends. “Do you think I should join ZTL? It seems a little basic…”

I shook my head and smiled. This is the same material I used to build my business to serve 15,000+ paying students over 10 years in dozens of industries, generating millions of dollars and tens of thousands of documented results.

ORDINARY PEOPLE: “How will this help me? How do I know this will work for my exact situation? What if I’m an Alaskan cobbler who has an orange-juice addiction? Can this help ME???”

SUCCESSFUL PEOPLE: “I’m going to invest in this course/book/coach because I know if I learn even one insight — just one — I’ll be able to apply it for the rest of my life.”

It’s weird. Nobody wakes up and says “I’m going to be arrogant today.” But it is the height of arrogance to assume you cannot learn from other people, especially people who’ve been through the gauntlet of what you want to accomplish.

This is why I invest over $50,000 a year in self-development, even buying books and courses from people who have smaller businesses than I do. If I can learn even one thing, the investment is a triviality. (The $50K amount isn’t the point. You can even start with $20.) By the way, I love that I get to lecture people on not being arrogant even though I’ve never, ever been accused of being modest.

LESSON #3: Total integrity means saying “no”

I was inspired by a sushi restaurant in San Francisco where you have to stand in line for over an hour — no reservations accepted. And if you don’t get there by 7:30pm, you won’t be eating there. Of course, when I finally got a table, I sat down like a huge weirdo and started analyzing their business: “Wow, they could fit in 4 more tables, adding 25% revenue, and if they added a reservation system, they could…”

My friend told me to shut up and enjoy the food. The fact is, the owners don’t care about revenue maximization. They want to run their business the way they want to, and they put the experience before money. Once you taste the sushi, you understand.

But this takes incredible courage to say “no” to the world, which pushes you to be vanilla.

These are some of the NO decisions I made:

  • NO to people in credit card debt: I prohibit people with credit card debt from joining my flagship programs, a decision that costs IWT over $2 million per year. It would be easy to collect that money and sit back, happy. But it’s not the right thing to do. Because I know I’ll be here for years and years, I give away my best advice on paying off debt for free. And once they do, then they’re ready to invest in growth. That’s why I give away 98% of my material free and charge premium prices for the 2%. I know of no other company that turns down millions of dollars like this.
  • NO to people who demand I write shorter posts. I don’t write for skimmers or people who treat my material as intellectual entertainment. I also love when people tell me to stop using profanity, as if being offended holds power. Ironically, if you do what these people ask you to do, they’ll lose interest in you. The world wants you to be vanilla. Ignore these people.
  • NO to skeptics and doubters: Think about the last time you tried something new. How did the people around you react? I remember when I first started trying to dress better. I heard things like, “What are you, gay?” “Who are you trying to impress?” (Same for when you start to manage your money — “Ugh, who wants to think like that? I want to live for today” or fitness — “You don’t need to work out more. You eat like a bird!”) I think about these pivotal moments, when you’re nervous and insecure about trying something new.  At these moments, you decide if you’ll revert back to vanilla…or push through to the next level.
  • NO to releasing anything that doesn’t meet our standards. I once shut down a program that was generating thousands of dollars a month in profit because I wasn’t satisfied with my students’ results. We have fully completed courses that would generate millions of dollars. Yet they don’t meet our IWT standard. As a result, they sit in our private vault and will never be released. But as I tell my team, we’re one email away from someone unsubscribing from us. That means every single communication has to be our very best. If not, we don’t send it. The same is true for you. What about the emails you send at work? What about the reports you deliver? What would happen if you took an extra week to make them world-class?

Where do you set your boundaries? In other words, what do you say NO to?

When you’re clear about what you stand for, you can also say YES to the things that matter.

YES to building systems that let me live a Rich Life.

YES to reading every one of the 1,500 emails I get a day — and responding to hundreds of them, free — every day.

YES to testing my material for years before releasing it, because I want you to have confidence that if you use my material, you KNOW it will work.

What do you say NO to? And what do you want to say YES to?

LESSON #4: Tough love is incredibly rare

I was in the middle of a brutal workout with my trainer: 10 pull-ups, 10 push ups, 10 squats — 10 times. After the 5th set, I wasn’t sure I could go on. I looked over, sweating, and saw him adding MORE weight to the barbell.

When I finally finished, I looked back, dripping in sweat, and realized how I would have just given up if it were me. But he pushed me to do more than what I thought I could. That kind of push is incredibly rare — it sticks with you for life, because next time I think I can’t do it, I’ll remember that moment. When was the last time someone said, “You did OK…but I know you could have done better”? When was the last time someone was honest enough to challenge you to do more?

For many of us, we haven’t had someone really push us to our full potential in years.

That’s why I push so hard. Look at this email I recently got:

“Its unlikely you will read this, but…I do respect your material, but if I may say, their is a danger that over time you will lose some of your more intelligent customers by treating them as marketing objects rather than people. I would love to watch one of the presentations, but I do not have an internet connection at home, and it will be at 2am GMT in London. I understand that there will be no recording, in order to increase social value.

Please remember that it is possible to choose service over self-interest. And, as I have observed many times with many teachers, over time they can cross that line. And the question is are people more important than manipulation.”

In his mind, all his reasons are valid. It’s 2am! He doesn’t have an internet connection! He has work the next day.

I have a different take: If it were important to him, he would find a way. OF COURSE it’s hard. OF COURSE it sucks to stay awake at 2am for something. But I also know that thousands of people in the UK, Spain, and all over the world find a way to do it every month. They sacrifice sleep. They go to a coffee shop to get internet. THEY DO WHATEVER IT TAKES.

You want to get a successful person to share their secrets with you? Ask them what they sacrificed to make it there.

Successful people do what what others will not. If it means you lose a few hours of sleep for a night, so be it. It’s not easy. Sometimes, it’s not fun. But as Muhammad Ali said, “I hated every minute of training, but I said, ‘Don’t quit. Suffer now and live the rest of your life as a champion.’”

LESSON #5: Following through is a skill

In our research to create Finisher’s Formula, a course on following through, we found these haunting comments:

“I can do anything I want to do, but I don’t want to do anything”


“I coasted through high school and university and am struggling with real life work.”


“I don’t even have the self discipline to cut back…”


I hear so many people say things like, “Why am I so damn lazy?”or “I start things but can’t follow through.” The assumption is that they’re just bad at following through.

When I was starting to do pull-ups, I asked my trainer, “What are other exercises to get good at pull-ups?”

He just looked at me and said, “If you want to get good at pull-ups, do more pull-ups.”

Following through is a skill. If you want to be the kind of person who follows through, start following through. It could be on small things — BJ Fogg’s great example is committing to floss just one tooth. I used to joke about how lazy I was, until I realized that I was creating a self-fulfilling prophecy.

I stopped describing myself as lazy. I started practicing following through on little things, like showing up when I said I was going to show up, and sending people articles I told them I would send. Years later, I became the kind of person who follows through.

LESSON #6: Be open to change

My worst nightmare would be to be a personal-finance pundit, going on TV and talking about budgets, writing post after post about the savings account with the best interest rate, and adding links to the newest credit card.

groundhog day again

Who wants to talk about the same thing for 20 years?

However, change is weird and uncomfortable. We’re testing a new course that will launch next year, and last week, I ran some user testing. One of my readers sent me an angry note saying she was offended by the new course. “You should stick to what you know,” she said.

The world wants to put you in a bucket so they can comfortably assign you to a role. When you try to change, it makes other people uncomfortable. That’s why it’s important to decide whose advice you should take.

I always wanted to hold myself (and my readers) to a higher standard than the usual stuff out there. That means constantly challenging ourselves and growing.

Along the way, you’ll notice my business has grown and changed.

  • I don’t do it alone any more — over the last 10 years, we’ve built the best team in the world helping to create amazing material to live a rich life.
  • I’ve expanded beyond personal finance into entrepreneurship, careers, psychology — and soon, even more areas of living a Rich Life.
  • And I’ve also started to talk about more than just tactics. After all, what’s the point of a word-for-word script if we have psychological barriers holding us back?

The most important lesson of all

Looking back at everything, the greatest accomplishment at IWT is YOU.

Read any of the comments on this blog, or in our Brain Trust group, and you’ll meet a group of the most extraordinary people anywhere. This isn’t normal!

YOU are the ones that took action and got results like these, and these. Imagine what would happen if we exposed some of this material to other readers around the internet. Guess how they would react?

We don’t have to guess! Look at the commenters here and here to see what happens when you share IWT material with people who are used to reading about frugality and complaining about politics. This shows us how special our community is.

So to celebrate IWT’s 10-year anniversary, I’m celebrating you.

For me, a huge part of living a Rich Life is being able to thank the people that have been there for me. Over the next two weeks, we’re going to celebrate.

To kick things off, I want to give you something that has been instrumental in my business and personal growth — my bookshelf.

These 5 books have helped me build my own Rich Life over the last decade and they can do the same for you. They cover everything from business to psychology and persuasion to health.


  • Mindless Eating: Why We Eat More Than We Think – Brian Wansink
  • The Power of Habit: Why We Do What We Do in Life and Business – Charles Duhigg
  • The Checklist Manifesto: How to Get Things Right – Atul Gawande
  • Iacocca — Lee Iacocca and William Novak
  • Arnold: Education of a Bodybuilder – Arnold Schwarzenegger

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  1. avatar

    You are the 2000s Mr Motivator Ramit!

  2. avatar

    Do you read physical or electronic books Ramit?

  3. avatar
    Michelle Schroeder

    Congrats on 10 years! You have definitely come a long way 🙂

  4. avatar

    I would love to sign up for the give away, but it is only for the U.S!
    No book give away for Germany? ;(

  5. avatar

    Congratulations Ramit!

  6. avatar

    Joyeux anniversaire !
    As I couldn’t enter the contest (outside of the US), I’ve ordered the 5 books. 🙂
    Thanks for this great post – and upcoming serie.
    IWT is a great inspiration for my company.

  7. avatar

    What can we, the human species, accomplish? How can we accomplish it?
    You take that task on…
    A good man to walk with.

  8. avatar

    Ramit, I can remember picking up your book in 2010 as a recent graduate, struggling with my finances and my first jobs out of college. It completely changed my life, as have countless articles and content on this site.

    The progression of the blog, as well as your physical transformation and willingness to try new things is inspiring. Congrats on 10 years to you and your team, and all the best in what comes next!

  9. avatar
    Dennis Willis

    Tiny Habits
    Here is a new habit; I say to myself

    I am doing what makes me feel good – about myself.

  10. avatar
    John Corcoran

    Congrats, Ramit, on 10 great years. I was one of those people who emailed to ask if I should join ZTL or if it was “too basic.” Well, I decided to join and I’m glad I did. Sure, there were elements that were focused on the fundamentals, but often we *think* we’re past the fundamentals when in reality we got them all wrong. And there was plenty of advanced material which has been well worth the investment (and returned me many thousands in income in return).

    But more importantly, it’s a mistake to think investing in yourself needs to accomplish 100 things at once. As Ramit said, if you get 1 or 2 valuable takeaways, then you’re going to be better off.

  11. avatar
    Dr. Kelly Edmonds

    How refreshing to have someone who is successful be concerned with integrity. Just in that alone, I admire you as you are teaching others not only that is okay but that it’s valued.

    Very Oprah-ish :0)

  12. avatar
    Lee Trends

    Congrats on year 10 Ramit an I Will Teach You to Be Rich team!

    The journey has been inspiring and your takeaways/lessons give us all a lot to chew on.

    Your content has caused me to take a good look at myself and what I’m trying to accomplish and I thank you for that.

    Congrats again and here’s to an amazing 10+ more

  13. avatar

    Congratulations on 10 years of blogging, Ramit! That’s huge! And thanks for all you do.

  14. avatar
    Charlotte Hyatt

    Congratulations on 10 growing years! I love your blog!

  15. avatar
    Missy Titus

    Congrats on the milestone! I’ve only been with you the last 3 or 4 years, but in that time, I’ve accomplished so much financially, physically, and mentally. Can’t thank you enough, and I can’t wait to see what the next 10 years have in store for you. Cheers, and here’s to 50 more!

  16. avatar
    Cody Wheeler

    Happy birthday IWT. I have no doubt that this website has been the most positive thing in terms of my professional development and personal finance that has ever happened to me. I think I randomly stumbled across IWT a few years back when you did an AppSumo deal for free, then I found the book, blog, and started reading it daily.

    I’m now a graduate of your salary negotiation course, which was awesome and produced great results, and am starting off with Earn1k as we speak.

    I also think that these points are really great, and I love that you took the time to detail them deeply.

    It’s difficult to be honest with yourself unless you really understand your mental barriers. A lot of your psychology material helped me understand mine. I also know I still face many, but it’s good to have the ability to recognize them.

    I think it’s also next to impossible for someone to reach their full potential without a mentor, or someone to give them tough love. I do CrossFit 3x a week, and 3x a week all I can think is, “there is no effin way I would do this by myself.” Having a good coach in anything is priceless.

    Throughout these six points lies a change framework.

    If you want to accomplish something that you identified in #1, invest in yourself by learning about it, then get a coach to help you push yourself, someone to keep you honest and make sure you follow through. Say no to all of the outside distractions that will keep you from your goal. And then be open to the massive changes that will occur in your life if you keep up these habits.

    I haven’t been here 10 years since you blogged in elmo slippers, but I’ve been here long enough to know that I’ll probably never leave. Thanks Ramit and team. You guys rock!

  17. avatar

    For me, this is the best blog ever. Period.

  18. avatar
    Jay @

    Congrats on the milestone! I just recently launched mine last month… long way to go until 10 years!


  19. avatar

    I remember reading IWTYTBR way back when, and being captivated by your blogs and emails. After now taking two courses, and working on my own business, all I can say is WOW! It is very hard and takes extreme effort to keep your thinking positive and everything moving forward. Along with that, I also started a complete fitness overhaul 6 months ago. The spillover effect into my entire life is amazing, not to mention how great I feel. Keep it up, and thank you so much for being a great positive example to all of us.

  20. avatar

    You had me at your suze orman video. I used to tell all my friends to read your blog way back in the day. It turned out to be even better than I imagined. My surrogate Asian father kicked my ass harder than anyone I knew. The water coolies couldn’t touch me because I was on a bigger mission.

    Thanks for being there through the raises, promotions, new jobs and challenges!!! Congrats on 10 years!! Woo hoot!!!

  21. avatar

    Congrats Ramit! Can’t wait to see how you and IWT evolve in the next 10 years!

  22. avatar

    Congratulations Ramit! I have been reading u since 2008-2009 and I have bought 2 of your courses: IWT Resume and Brain Trust.

    I might not have done all the things u told me to but I realised how true certain things are from reading your articles, like for example the craiglist penis effect where u dont have to be brilliant to be known, u just have to be better than average. And from your courses and words of wisdom I have managed to change from working as an Engineer in a company that I didnt really like for 7 years to working in corporate development and dabbling in a finance related job. I am much happier now and living a much richer life.

    To anyone else reading this comment, u should know that it wasnt something that I did overnight and it took a lot of work. At one point I nearly quit my new corporate development job because it was too different then my previous one, but i persevered and I followed other of Ramits tactics like requesting for a different job scope while proving to the boss that I am capable of doing two jobs. So yeah, reading Ramit’s advice is one thing but the more important thing is to take action and start changing!

    Happy anniversary Iwillteachyoutoberich and keep up the good work!

  23. avatar
    Fernando Lopez

    Love what this blog has evolve into. Graceful to be part of it

  24. avatar
    Sheena Sharma

    Congratulations on 10 years! It must feel really great to have built a business that has been able to help so many people change their lives.

  25. avatar

    Congratulations on ten years of generating prosperity, encouraging ethical dealings, exploring the cultivation of excellence and expanding your capabilities, while teaching others how to do likewise.

    Man, I wish I’d had a Surrogate Asian Father or something simllar when I was growing up. I’ll spare you enumerating my grievances about my birth family in favor of hoping that your wise counsel and practical instruction can save others the kind of needless suffering that I’ve endured. Thank you for all that you’ve given to me personally, thank you for being such a sterling example for creating value and reaping rewards and please accept my best wishes for your continued success, development and personal fulfillment.

  26. avatar
    Nina @

    Congrats Ramit, that is quite the achievement.

    You are obviously an inspiration for me. It’s about a year since I discovered your book when I started to take my finances seriously. I went from zero knowledge to being a blogger. If you’d told me that a few years back I’d have laughed because money was boring and for greedy people. Glad that view has changed, my life has become so much the better for it.

    Also, thank you for all the free material you just give away. It helps so much. And it is good to know you get something in return for it also. Win-win for everyone. You’re a hero in my books.

    Rock on, here is to another 10 years of awesomeness.

  27. avatar
    Tom Miller

    Congrats on 10 years Ramit! Thanks for what you do.

  28. avatar
    Sarmista Aun

    Hello Ramit,

    I have found your blog from Kingged.

    A Hearty congratulation to you for completing your 10 years in blogging. You have proved yourself that hard work can really take you to along way. The lesson you have given through your article, every newbie blogger should learn from it.

    Thank you for writing such an inspirational guides and All The Best For Your Future….

    Thanks & Regards,

  29. avatar
    Come meet me in NYC -- my treat | I Will Teach You To Be Rich

    […] Anyway, yesterday I wrote the 6 lessons I’ve learned in the last 10 years. […]

  30. avatar

    You were so ahead of your time back then! Over the last 10 years, there are things I wished existed (mainly online) that now exist.

    It’s all about forward thinking and not listening to our elders (sad…but true) that something can’t be done because it can and will. It just takes hard, dedicated work.

    Congrats on the anniversary!

  31. avatar

    Great work! 10 years is an amazing feat of success! Congratulation!

  32. avatar
    Mark Simi

    Congrats and thanks for the value.

  33. avatar
    Thomas Grow

    Congrats on 10 years!

  34. avatar

    You have the option once you sign up to get hardcopy books or eBooks.

  35. avatar
    Dana Bigman

    Happy 10th Anniversary, Ramit! I have only been a reader the last year or two but take away something from every single one of your emails. Today it was about being true to myself, specifically the fact that I am not a morning person no matter how hard I try. I now see that instead of treating that as something to “get over,” I can acknowledge it as okay, part of what makes me me, not give myself a hard time about it, and work with it.

    Keep up the great work!

    All the best,


  36. avatar

    Hi Ramit,
    I want to share this with you just to share it with someone, it has to do with being brutally honest with myself. The comment about the woman who’d rather THINK ABOUT running 3X week than ACTUALLY run once/week really hit home. I have lived alone for the bulk of my adult life and I’ve never been a good house keeper. It’s always kind of bothered me but I would joke about it to let people know before they came over “Martha Stewart don’t live here!”

    Anyway, the lie I’ve been telling myself for 30 years is, “I’ll do it later.” And I never do. Unless I have company, then I will clean. Well, I recently lived with my boyfriend for 3.5 years and have just moved back into my own home by myself. When I moved out of our shared home, it was absolutely disgusting. I was really embarrassed to have people over, but not so much that I would actually clean! Until I had to move. What a job that was! Now that I’m back on my own again (and have been for about 6-7 weeks) I’ve been telling myself, “I’m not going to be like that anymore.” I’ve done a much better job of keeping on top of some things but I’m starting to slip more and more. So last night when I read through your material and listed 3 things I would do by Friday, I listed “create a cleaning schedule.” Well thank you Martha Stewart – she has ready-made cleaning lists for daily, weekly, monthly and seasonal chores on her web site!! I downloaded them all last night and just printed them out now. They are going in my IWT binder in their own section called Cleaning. I’m also putting a copy of the Daily Cleaning List in my gratitude journal (which I write in nightly) and in my cosmetic drawer (which I use every morning). Tomorrow, I’m going to go through my Outlook calendar and schedule appointments with myself to get these things done and will have the appointments repeat in perpetuity.

    I am in total agreement with you about creating systems to be more efficient at things that are done regularly. At work that’s what I do – I create systems to handle the different kinds of research and program coordination tasks we have to accomplish it. I even created systems years ago in restaurants I worked in, and in a warehouse and a retailer at which I worked. Why I never thought to do this in my own damn home is beyond me! There are some other things that I need to be brutally honest with myself about, and I will. I just wanted to start with the lowest risk item that will also have immediate results. Thanks for the push my surrogate Indian father! (even though I’m old enough to be YOUR mother!).

  37. avatar

    Congrats Ramit, 10 years of blogging is cool.
    To me, it’s the more than 15,000 students that is a truer measure of your contribution to the blogosphere, a mighty effort, thank you.

  38. avatar

    Hi Ramit,
    I’ve been reading your blog since last year. Your practical techniques have helped me a lot in realising my mistakes I made in the past, regarding money, career, health and relationships.
    I try to implement one of your techniques in one area, another in a different area, as I feel that what you teach can be applied in any area of my life. E.g. “Telling stories instead of quoting your bullet points”, helped me in an interview and making a girlfriend, both( I got the job but lost the girlfriend, but I’ll try again).Thanks!
    Also, a definite thumbs up to your ‘long’ and sexy articles! At least you make people know why you say what you say.
    Thanks for making me realise that a ‘rich’ life has to accommodate my inter-personal development too, not just making loads of money!(As you said, money is only a part of living a rich life). A holistic approach needs to be applied which includes the Big Wins.
    Your programmes seem fruitful. I needed to check if someone really took them. Thanks to comments on your blog articles, I was able to trace a person (LuWee Tang) who’d purchased Earn1K program and now she has launched two online businesses.The comment was posted in 2012! Well, when I have enough money to at least pay the instalments, I will purchase one of your programs. Do you have any special prices for people who want to purchase your programs outside the US? Let me know, if you can, as I reside in Delhi, India.
    Thanks for sharing great books from your collection on yesterday’s post. I entered the lucky draw for the books, hope to get them in my email soon! (Make me lucky, if you will? Haha!)
    Last but not the least, Ramit I wish you great days ahead with your ventures. I am sharing your yesterday’s article with my friends, but I think there might be a typo/grammatical error in your post. Why don’t you have a look at it? Here’s a snap-

    In the last 4th or 5th paragraph- “These 5 books have been helped me…” It should be either ‘have helped me’ or ‘have been helping me’, I believe. I’m pointing it out only because I don’t want some other grammar Nazis invading your sentences! Also I like you and what you do!


    From Kuldeep

  39. avatar

    Congrats, Ramit! I, too, am celebrating 10 years, 10 years working for the same company! I wish you much success going forward!

  40. avatar
    Christine Hanson

    You rock, Ramit. Can’t wait to meet you soon in New York. Yes, I am THAT confident. My son will attest to my determination. You would enjoy that exchange. Really!

  41. avatar
    Jess @ CME Capital

    Congrats man, I’m a big fan of your blog and a follower too. More success to come!

  42. avatar

    Thanks for sharing this Ramit! It is indeed shocking how we self-sabotage ourselves by using various excuses. All the points you mentioned in the video about being brutally honest with oneself are so crucial. In the end change can only start from within! Thanks for your inspiring posts and the amazing resources that you share on your blog. And congrats to 10 years of great commitment, persistance, openness and focus! It´s really admirable!

  43. avatar
    lelo mavuso

    Happy 10th year anniversary!!!!!!!!!

  44. avatar

    All the best Ramit and Happiest anniversary !!!!!!!!

  45. avatar

    thank you. it was inspiring 🙂

  46. avatar

    Thank you for the lessons help a whole lot my entire perspective has change after reading such information. It really made a difference positively. Happy Anniversary.

  47. avatar
    ogundiwin oluwemimo amos

    pls help me

  48. avatar
    Shary Raske

    I would use the money to take more courses. Cheers! And Happy Anniversary.

  49. avatar
    CC @ Mes Finances Perso

    Hi Ramit,

    First, congratulations for those 10 years. As a long-time reader of yours (since 2008), I can with confirm you that the quality of your content, as well as the way you present it, have continuously impressed me over the years. Compared to the other personal finance sites I used to visit, IWTYTBR is the only personal finance blog that l still follow. Also, your newsletter is one of the only newsletters I’m subscribed to.

    You’ve motivated me back then to take action, and you are still motivating me today to take action. You’re brutally honest with US too, which is a much-needed kick in the rear. One seldom improves by just hearing good feedback. You tell us what time it is, continually. My results speak for themselves. So thank you for those 10 years!

    Second, I want to give some feedback about one of ideas for action gave in Lesson #1 Be brutally honest with yourself. At 8 minutes of your video, the 2 tips you are giving are very effective.

    “What are the things you claim are important, but you’re not taking action on? and then asking myself “What is actually holding me back?”

    Holy cow, it’s like identifying and exploding the roadblocks that stand between now and where I want to be. It’s a very powerful question to ask yourself. Thanks again.

    Also, the exercise to write down 3 things you plan to get done by Friday is great, because it forces you to focus and decide what’s important. It’s the opposite of wanting to do 20 things and doing none because you’re paralyzed. Now that’s stupid. In fact, this exercise of writing down 3 most important tasks for the week, along with the Friday review, has worked so well that I think I might implement it on a weekly basis, every Monday (or Sunday night).

    Looking forward to your next 10 years Ramit! You’re on FIRE and it’s very, very inspiring.

    Finally, thanks for being our surrogate asian father.

    – CC

  50. avatar
    Shaan @ PNR Status

    Basically, i haven’t came across blog like this. Today, i was searching for something and luckily i came across this blog. I decided to read one of your article to know how you write and you know i have never read such a logn article before but you made me to read. Your thoughts are amazing and i love this blog.

  51. avatar

    I am 19 years olds with a maxed out IRA, a maxed out 401K, a locked and loaded savings, all my bills paid, and plenty of money to blow on myself. Thanks Ramit, could have never been this successful without you, Happy 10th anniversary, and for anyone thinking about buying the eBOOK!!! BUY IT!!!

  52. avatar
    Smita @ PNR Status

    Congrats, I want to be rich as well. I saw other articles on this site and hope this will see more anniversaries like this.

  53. avatar
    dudo @ imo download

    I see many blogs come and go. Being there for ten years is being rich itself. Congratulations.

  54. avatar

    Where were the professional photos for the 10 year brain trust party posted?

  55. avatar

    Tom were you interviewed by Ramit regarding Study Hero in one of his Brain Trust programs? I thought so, but I can’t find the episode.