What do you want to read about on iwillteachyoutoberich?

Ramit Sethi

I want to open it up to see what you want me to write about on iwillteachyoutoberich. Below, I’ve included some examples of personal-finance articles that I can write about. Are there others? If you could have me write a custom article just for you, what would it be on?

Leave a comment and let me know what you’d like to see me write about. Below, some ideas to get started.

How to keep a budget with uncertain incomes
Do budgets really work?
How do you allocate your money, Ramit?

“I don’t make enough to save”
How much should I be saving?
Should I pay off debt or save?

ETFs vs index funds
Where should I open an investment account?
I don’t know where to get started
Asset allocation specifics (intermediate / advanced)

Building an automated infrastructure
How do I make all my personal finances as automatic as possible?

Excel files, budgeting tools, and the investment sites that I use

Picking the best accounts: What’s the best…
Checking account?
Savings account?
Credit card?
Investment account?

Research and stories
Why young people don’t pay attention to their personal finances
Stories of young people like us, and the stuff they’re going through
Surprising findings about credit cards and bank fees

Leave a comment: What would you like me to write about?

Do you know your actual earning potential?

Get started with the Earning Potential quiz. Get a custom report based on your unique strengths, and discover how to start making extra money — in as little as an hour.

Start The Quiz

Takes 3 min


  1. Martin

    I would be very interested in “saving”-stuff. This is my weakest point 😉

  2. dr

    more about food budgeting! this is still totally mysterious and I’ve read a handful of blog entries about it.

  3. Michael

    Hey Ramit,

    I would love to read an article on Building an automated infrastructure and Investing (I don’t know where to get started). Keep up the great posts!!

  4. Faisal

    Tools, for sure. What are the most efficient, no-nonsense tools for tracking finances and investments?

  5. MyNameIsMatt

    Research and stories. And do budgets really work. I’m a non-believer – sorta, mostly.

  6. Jonathan

    Thank you for your thoughts and time. The investing topics seem the most interesting to me.

  7. mike

    Ramit – I’d love to see more on tools or picking the best credit card, etc. Thanks!

  8. Phil Crissman

    My number one interest would be budgets, creating and keeping them.

    Your suggestion about saving vs. paying off debt also sounds interesting.

    Also, I’ve seen some pretty extreme (diametrically opposed) opinions out there about the wisdom of buying or not buying real estate; I know there are a few real estate posts from 2005; more on that would be welcome.

  9. Jeff

    ETFs vs index funds

    This one would top my list.

  10. Julie

    Automated Infrastructure, please. I have the time to look at what I’m doing, but I would like a computer to actually do it.

  11. Vik

    Is it generally better to put money into an IRA, principal on your home, or improvements on your home (new siding, new fence, that sort of thing)?

  12. Kirsten

    I like the sound of most of your suggestions. My favourites are investing and stories with the rest as close follow-ups!

  13. Willie Liu

    Ramit, I really enjoyed reading your articles on general saving practices. I would like to read more on how one can begin investing.

    It’s something I am hesitating to do mostly because I don’t know where/what to begin.

  14. vuxeni

    i would love a little article about investing in other stuff than stocks or real estate. like investing in yourself. a little collection of ideas about “wellspend” money. some people would probably say that a membership of toastmasters international ist well spend money, something that gives great returns… it could be the ekstra for a quality toothbrush, educational books, anything! 🙂

  15. James

    Would love more on the psychology of saving/spending – why some people are better at saving than others, how early our relationships with money are formed in life, how to overcome bad relationships with money from youth, etc.

  16. Greg

    Assuming you’ve got a diverse group of investments (stocks, bonds, REITs, etc), what kinds of investments are best for retirement accounts (to take advantage of the tax benefits)?

  17. Michael Greenberg

    I’ve always been interested in aggressive investing but never had the capital to throw at anything very high-risk. Aside from hands-on experience, what is the best return for your money/time that you’ve found. Are high-risk investments ever worth it? Let’s look at this from a short-term perspective (realizing that high-risk is never good for the long term investor).

    Also, what’s your opinion on the general inflation/rising cost-of-living versus salaries that don’t follow suit? It’s something that’s worried me lately.

  18. Dave

    I’d love to hear more about the tools you use as well as your automation. I’m putting the money away into an IRA and all that, I’m hoping for ways of doing that next few steps. Redistribution into whatever funds/stocks/etc as well as being able to parse what the data is important.

  19. David Wilson

    Asset allocation with ETFs/index funds would be good to know, for sure. There are so many different ideas floating around out there, it would be nice to know some of the specifics of how to develop a personalized asset allocation strategy to help minimize risk and act as a buffer against fluctuations.

    As for tools, you had mentioned a while back that you were in the process of developing a community-enabled finance application? What is the status of this?

  20. Tim

    i would like to know about how to budget on an uncertain income. i have always wanted to start budgeting, but don’t really know where to start, as my income changes from week to week and month to month.

  21. Susan

    I’d like to see some things on planning for retirement, do you or don’t you need a good financial planner, your attitude about freedom funds, what percentage is the right percentage of current income for retirement and why… should your home be considered in your retirment calculation…if we are budgeting and saving and planning I would like to know the reality of what I am going to do with my money, when and why…

  22. Ramit Sethi

    Uhm…ok, so I guess everyone wants to read about everything :/

  23. Josh

    I personally need to know how to find someone that can help;

    A good (cheap) accountant would be great since I have had my own home business for a while and (complicated) home finances.

    Even just a “what to look for and where to look” would be great.. Then I can answer some of the other Qs for myself without you having to post an article 😉

  24. Johan

    I think it seems like everyone, depending on their own status of where they are at personal finance (started a savings account, have a budget, etc) will want something that pertains to them. I personally would be interested in investing since that is currently what is next for me.

  25. roadtoharvard

    Hey Ramit,
    Maybe you should conduct a poll it might give you a clearer picture. Comments rarely get through to everyone and it’s just usually a vocal minority of readers.

    That being said i’de like to hear more stories. All the basic information has been hashed and rehashed on other PF blogs. Stories are what make them unique.


  26. John M

    Write about how I am personally the coolest guy in the whole universe.

  27. acidspit

    yeah… pretty much!!!

    I especially like your anecdotes about your friends, and why their behaviors are completely acceptable/ non acceptable. Stories involving you are fun too, but I especially liked your story about your two friends– the girl who had the ridiculously expensive shoes and the guy who would spent so much money on his hobby, because that’s where he liked to spend money. etc.

    Keep up the good work!

  28. Rahul

    Asset Allocation: Someone suggested this in a previous comment, but one of the things I’m always confused about is coming up with a right asset allocation strategy for my various mutual funds.

    More specifically:
    – What are some good asset allocation strategies. Conservative, moderate, aggressive.
    – Asset re-allocation: Is this necessary?, if so when does one decide its time to sell some funds and buy new funds (apart from the monthly investment into that fund)

  29. Mahesh Kamat

    Hi Ramit,
    I would love to have pointers to finding scholarships/money for education and your thoughts and recommendations on entrepreneurship (if this fits under the theme of you blog)
    Thanks and keep it up!

  30. mike

    should i pay off debt or save?

  31. Ryan

    Investing, and saving for investing, and types of investing for what you want to save for/timeframe of thing you’re saving for.

    I think I speak for most of us that general philosophy towards money always welcome (like the classic “$21k for on going out” story).

  32. Jackson

    I would appreciate an article talking about what you would do from the ground up. Out of school with a $30k-$40k income. What kind of investments you would make what kind you would wait to make and how to balance spending with saving on a tight budget.

  33. Charles

    I’d like to see some knowledge regarding home ownership versus renting. For instance, would it be better to buy a house and pay off a mortgage as opposed to paying rent? Clearly there is a casde there however I’m interested in what other facotrs need to be considered. Can mortgage payments offer tax savings? Could upfront lump sum payments work better invested in the stock market rather than put against a mortgage payment, particularly given the 10 or 30 term of the mortgage? Are low interest federal loans available and to whom?


  34. Supreet

    I would like to know what type of investment strategies you recommend for postundergraduate students. In my case, medical students. Maybe do a series, talking about strategies for PhD, law, medical, etc. students.

  35. Hendy

    More about investing and tools will be great.

  36. Beth Roach

    Please write about once your savings and investment have started to add up… then what.

    There are lots of articles for the beginning like saving and starting good habits. Once you are there, what is next? How much is enough? Isn’t there more than just a diversified portfolio? It seems like most of articles for people on the right track are geared towards boomers ready to retire. What should you do in your 30s and 40s?

  37. John

    ETFs vs index funds

  38. Nir

    First of all I don’t agree that young people don’t pay attention to personal finance. Perhaps a better question would be why personal finance doesn’t appeal to young people.

    So on the subject, I’m almost 17 years old, I have a few grand saved up. How do I make the most of it?

    Tips/stories etc. about starting a business, budgeting for it and taking in the benefits.

  39. Jon

    How about a post on Wesabe? Quicken has always struck me as quaint in an age where all my banking info is already online. I’d like to hear what you think of it, and maybe some tips on applying your money management strategies using Wesabe.

    Also I’ve been hearing a lot about online only checking accounts lately? Are they worth it?

  40. Graham K

    I’d like to hear about asset allocation specifics (intermediate / advanced), building an automated infrastructure, and account comparisons (esp. credit cards). I also think your stuff about entrepreneurship is interesting and would love to see more of that.

  41. Mel

    1. How to cope with well-meaning financial advice and when to listen – if your parents keep emailing you about stock picks, girlfriend complains about the budget, etc.

    2. Negotiation.

    3. Often folks (myself included) will try to overoptimize and end up wasting an hour searching for a penny off. A kick in the pants on this is always appreciated.

    4. How to get younger siblings/cousins/etc. started early so they don’t end up in the same “help, I’ve just graduated college and… what’s an IRA?” boat

  42. Benjamin Jancewicz

    Definitely building an automated infrastructure.

  43. Julie

    Budgeting, saving and grad school. Is it worth maxing out the Roth IRA even if it requires taking out b-school loans?

  44. Jason

    Investing, especially as it pertains to younger folks who don’t have a lot to invest, and income generation/entrepreneurship.

  45. --matthew

    I’d love some insight into how to go about selecting your first index fund (or whatever the outcome of the ETF vs index fund comes up with).

    Even though index funds seem simpler than mutual funds, there are just so many to choose from. i’d love to see break down of what, exactly, someone should be considering when they start looking at the options.

    What criteria should the average person evaluate to see if it’s an appropriate fund for them?



  46. chris

    Ramit, I would love to hear what you have to say about how a recent college graduate should negotiate their starting salery once they have job offers. Thanks!!!

  47. Lance

    Where should I open an investment account? That is what I want to know about most. But what about something on college kids and what they should do with their money. I happen to have scholarships to pay for what I have to pay for school, but what should I do with my summer job money. I don’t spend much as it all goes straight to the bank. Any ideas?

  48. John

    More Friday Entrepreneurs!

  49. Bert

    I second budgeting/saving with uncertain incomes.

  50. Travis

    I’d absolutely LOVE to read more entrepreneurship-related articles. Please?

  51. Oliver

    One artile from each topic per month would be ideal, all interest me

  52. James Apple

    Budgeting with variable income and big, irregular expenses (college).

    Staying on a budget if I use my credit card for everything (I want an alternative to the “envelope system”).

  53. chuck

    The last 4

    Building an automated infrastructure
    Picking the best accounts: What’s the best…
    Research and stories

  54. nik

    Would like to hear u talk about “Why young people don’t pay attention to their personal finances”

  55. Jake

    I would love to hear advice about record keeping for income tax purposes. Which receipts should I keep? How do I organize them? Where can I find the latest information on expenses that will qualify for a tax credit?

  56. ataman

    Research and stories – because stories are so powerful at communicating valuable lessons.
    Tools – anything that makes personal finance faster, easier, more automatic is a good thing.
    Investing – there’s a billion different things to invest in. what are some good options?

  57. Hakan

    want to leave my high income job and go study/work abroad (making significantly less). I have school debt that can be paid off within two years if I stay disciplined about my finances. What financial considerations should I be making?

  58. julien

    personal accounts are always most relevant to me… so stories get my vote.

  59. Josh

    I would love to hear more about spending/making money while in college. Internships/scholarships/being cheap/being realistic, etc.

  60. Kate

    I would love to hear about saving money while in college, the best checking accounts, and budgeting tips. I am also interested in hearing about the investment sites you use!

  61. Vince

    So, I live in Burlingame, CA just south of San Francisco. It’s a very affluent area and I’d say similar to Palo Alto in some ways. (I rent a 1 bedroom apartment with my wife, so I hardly consider us in this affluent group.) We walk around our neighborhood and its one multi-million dollar home after another. Who are these people? What do they do? How did they afford these places? What’s the secret?

    My wife and I make a healthy combined incoming, but definitely under $200k. What are we doing wrong? Are these people with big houses getting bigger salaries? Better at investing? In debt up to their eyeballs?

  62. Zachary

    Encouraging articles to help us keep the faith in our long-term investing strategies.

  63. Hz

    Investing (both stock and real estate) and learning more about setups for trading of stocks (Possible short term). For real estate, possibly on valuation tips etc. Thanks a lot. This site rocks!

  64. hd

    I would be interested in an article about the lack of basic financial education in school systems and how it affects people going through college/university onto adult life.

  65. Ben Karel

    I’d have to go with

    1) ETF/Index Fund
    2) Tools
    3) Credit card recommendations

    Not like that helps narrow it down or anything…

  66. loco

    I’d really like to the best credit card that gives you the most money back. I heard the citi dividend Platinum Select card is good, but I’m not sure of all the options.

    Thanks for the great articles, Ramit!

  67. Trev

    Hi Ramit. I was wondering if you recommended people continue to save 10% of their income when they have a mortgage, or do you think the act of having a mortgage is sufficient for future planning? Cheers!

  68. Jacky


    Do you have any information for people who are residing in Australia or outside USA?

    Example, investing into USA? or etc…..or familiar with the tax/super system here?

  69. Zune Koo

    Tools and best pracice reports will be very useful~.

  70. Richard M

    A couple that I’d like to see that haven’t been mentioned (and probably for good reasons that I haven’t caught onto yet)… I’d like to see tips for calculating the “intrinsic value” of a stock, hopefully something more sophisticated than EPS divided by rate of bonds = intrinsic share price, I think there’s more to it than that 🙂

    Also I’d be interested in some articles on “muse creation” in line with Tim Ferriss’ book that you recommended – a lot of people who read his book seem to struggle with that part, and it doesn’t seem to being covered in more depth on Tim’s blog. I’m not sure if that fits the style of this blog though.

  71. Monna

    I’m interested in just about everything you’ve written about, but I REALLY want to know how to save as a college student whose financial aid package is affected by how much she has in her savings account.. how can I save without having to worry about having to put a big chunk of it towards tuition?

  72. Steve

    Word of advice: do not mention any specific stocks, funds, ETFs, etc in any recommendatory way. Remember – the USA has too many lawyers and not enough work for them, and they all have monthly quotas to meet. No sense putting yourself at risk for a lawsuit!

  73. Apollonia Corelone

    I’d like to read snapshots of individuals or young couples and their financial situation–what they are doing right and what they could do better. Being recently engaged, I’m willing to offer myself up as an example. 🙂 Also, info on combining finances with your significant other would be helpful right now.

  74. Plus6

    I think your best posts are the ones dealing with research and stories. Especially the ones on the 20-something generation’s spending/saving habits and financial attitudes. For example, “Conscious spending: How my friend spends $21,000/year on going out” is a classic post and one of my all time favorites. Also, your recent post on “I hope my friend listened to me about NOT TIMING THE DAMN MARKET” was very well done, informative, and entertaining. Those are the stories that set you apart from everyone else in my opinion.

  75. Danielle

    Being a college/co-op student with 6 months of rotating steady and then very uncertain (or no) income it would extremely helpful if you could write about budgeting for uncertain incomes. I find that to be my biggest roadblock whenever I start trying to lay out a budget. My required expenses, income, and discretionary spending seems to fluctuate wildly.

    Other than that, I would read any of the articles you’ve suggested.


  76. Jesse

    I wrote you earlier and would love a article written on internet bank accounts. For example what to look for, what to watch out for, what are inconveniences of using them. I got interested in them after your mention of the schwab account.

    Another item would be the savings or paying off debt. Many times it feels like im asking myself, should I pay off more of my small car payment, or put the money in some stocks that I will get a larger return on.

  77. Sirish

    how do you evaluate a stock?

    What does a sensible research about any stock mean to you?

    What kinds of sources do you check with about a stock?

    Is it about the stock(price) or the company(behind the price) that you/we/anybody should worry about?

    Could you please counsel us on these?

  78. Joe

    Investing – Where do I get started? The who’s the how’s …

  79. Jennifer Lynn

    Wow, quite a diversified readership.

    Hi Ramit,

    I’d sugget writing about what interests you, and allow the rest to fall into place. Obviously everyone is aching for different topics here. But if you feel passionate about a certain subject, it will shine through your writing and draw us (your audience) in with you.

    There are certainly some great starting ideas here!

  80. J.R.

    Like you say: it’s more important to just start doing something as opposed to not doing anything.

    Write what’s on your mind. I doubt that anyone here associates “” specifically with budgets, or specifically with investing. I think that we come here to read your thoughts on finances in general.

    Fact: many people check your page a few times a day for update. They will be even more loyal readers if there are more articles for them to read about …regardless if it is targeted at them or not.

    So your earlier comment was correct “write about everything”.

    Keep up the good work

  81. Mark H.

    Wow…it must feel good to know that your advice is REALLY wanted.

    I think the savings and debt reduction advice is great and I love to read it, but most people know what they need to do, its actually doing it thats the HARD part (I am no different).

    I would like to see more posts on entrepreneurship, or your thoughts on how to balance finances in a marriage (AKA – How to stop your wife from spending all your money!).


  82. Peter

    I’d like to read more stories about entrepreneurs, and see more strategies and tips for throwing off the shackles of The Man and running your own business.

  83. Dustin

    Two things for me…

    One) What are the alternatives to Quicken or MS Money? (Web bases, cross platform, the works)

    Two) Given the financials of a few companies, how do I read them to know which will prosper the best?


  84. Nathan

    I know this doesn’t answer your question, but I feel like personal entrepreneurship is taking a big hit on the site, and that’s really the only thing I care to read about.

    The whole “my checking account is better than yours” or “FIND A CREDIT UNION!” has been done to death, so if it’s finance oriented, it really needs to be specific with numbers to back it. I think the unique aspects of this site have tended to veer toward the mainstream of PF blogs in more recent past, and that is not a good thing, IMO.

    Yeah, I’m one reader, and there’s 70 some before me who all want to hear another opinion on what online savings account to get, or what CC they should look at for cash back, but I think that would all fall into place if you kept the bar high, as I felt was the case but, without lowering it, which seems to be occuring.

  85. SM

    i think more “tools” discussion and time-saving tips would be a great addition to the site! specific how-to’s and tricks on programs like microsoft money, for example, would be amazing.

  86. Silas

    Anything about budgeting.

  87. EJ

    I’d love to see posts on increasing income through a side business or other means. I have a solid saving/investing plan in place, but I need more money to funnel into it!

  88. Kristina

    I’d go with investing “don’t know how to get started”. I don’t even know what all the big words mean!

  89. Mr. I-don't-feed-a-Chick

    My vote:

    How do I make all my personal finances as automatic as possible?

  90. Me, myself and money

    I think your site has tons of useful information about Saving, Budgeting and Investment basics; may be you can write more about advanced topics like
    Alternate sources of income, starting your own business, entrepreneurship, interviews/experiences of people who have made it big and Taxes!
    Great job Ramit!

  91. Ray

    A logical and practical progression from rags to riches for the poor mass, but maybe useful for only those who are actually determined and smart enough to do it.

  92. topseekrit

    I too would like to learn more about entrepreneurship and creative ways to generate more cash/income.

  93. A Tentative Personal Finance Blog

    all of those sound good.

  94. Hilary

    How do you balance the need to save money with the need to look professional at work? Haircuts, nice clothing, dry cleaning, etc. takes a lot of time and money.

  95. j&w

    Mix it up, the best personal finance bloggers (Simple Dollar, Get Rich Slowly) do! What do you feel like writing about (personal finance and entrepreneurship-wise)? Your interest and enthusiasm will show through, rather than “damn, I guess I have to write about ETFs then”. You will know from reader comments and questions if you’re going in the direction your audience wants. But please just start writing, this site has seemed quite content free in the last while.

  96. serpah

    I like all the topics you’ve mentioned above. Since I find it difficult to stay within a budget and track where all my money is going, I’d like to see more on that.

    Speaking as someone living outside the US, your advice on the best Credit Cards, Bank Accounts, Trading accounts is not that useful. I can’t open an account with Schwab, for example. If you could go over the characteristics that make a good account and what to look for, that would make it more useful.

    AFAIK, making savings automatic is easy – just set up an account with ING and then arrange your automatic transfers as soon as your paycheque gets deposited in your account.

  97. Emily

    Topics I’d like to see:
    1) Why someone who’s doing okay in terms of saving, not building up any debt, and has a general idea of what they spend where should make a budget, how to do so, and what to do with it once you’ve made it. (I’m looking to be persuaded on the first point, since right now we’re pretty intuitive spenders.)

    2) How to move beyond your 401K / Roth IRA when you’ve maxed out your contributions to the retirement plans.

  98. charles

    how to save up to buy a house (in the bay area). or how much do you have to make etc.

  99. Chad

    Automated finances would be my top pick. Followed by ETFs vs index funds

  100. Greg from Poland

    1. “Asset allocation specifics (intermediate / *advanced*)”
    2. “Should I pay off debt or save?”
    3. (not on your list) “Investing offshore. How and where?”


  101. KS

    Hi Ramit,

    I always enjoyed the Friday Entrepreneurs series.

    I would like to see more topics like:
    – how to start a business
    – how to expand a business
    – other investing ideas like real estate

    Great blog, and keep up the good work.

  102. Sisyphus

    – budgeting
    – budgeting tools (software/websites)
    – reviews of other financial sites out there that you trust and think are safe to direct people to (I used to trust Motley Fool, but no longer know where to go for information that doesn’t come from a scammy source)
    – book reviews

  103. (The other) James

    More stories about people…specifically your Friday entrepreneur-style posts.

    More about entrepreneurship in general, such as how to successfully move from a “real job” to starting your own company when there are obstacles such as proprietary information agreements and such with your employer (making it harder to just start the business on the side).

    More posts about people that are dumb and you calling them dumb. I always enjoy those.

  104. Josh Mock

    All the investing topics would be valuable to me. I’m sitting on savings so I want to start investing soon, but I want as much information as possible before I jump in. Another investing topic that might be interesting might be listing some ways to do simulation investing to get the hang of it before using real money.

  105. Jigish

    Automation and Tools!

    This might not require a complete post but I would like to find out this:

    “Is there a tool that I can take my monthly credit-card statements (excel or xml or whatever format) and summarize where i spend my money … for eg. food, clothes, cable, travel, etc could be one of the cateogries.”

    Once u’ve such a tool, it would be easier to figure out how exactly I’m spending my money and maybe even find certain trends in consecutive statements.

  106. Minimum Wage

    I’d like to read about how a middle-aged person earning minimum wage (with student loan debt and bad credit) can become rich. If you can put that in print, becoming rich should be a piece of cake for almost everyone else.

  107. Spencer

    Thanks for reading through so many comments Ramit..

    How about a crash course in starting a basic “business”? I bet most of your readers would be interested in and could benefit from a corporation, even if they weren’t selling things or providing services.

  108. Chris

    Saving – How much should I be saving? Should I pay off debt or save?

    Investing – I don’t know where to get started / asset allocation specifics

    Building an automated infrastructure

    Tools, definitely

    Stories of young people like us, and the stuff they’re going through
    Surprising findings about credit cards and bank fees

    Thanks, Ramit!

  109. NCY

    I’d like to understand insurance and how it fits into personal financial goals.

  110. Mark

    More research and stories would be interesting. I see a lot of information on financial blogs about what to do right, but worst-case scenarios, failures, and obtuse decisions are far more interesting and educational.

  111. Josh

    I’d like to see more entrepreneurship articles as well … in fact … I’d like to be in one!

  112. okoy

    Could you please add some analysis on how determine worst case scenarios when you have a variable loan and how to determine when and if you need to re-finance.

  113. Sirish

    okay…tell us about your….how is it going….we all believe you write very good content

    …when are you gonna finish it and make it available for us ?

  114. Geoff

    Building an automated infrastructure is something I’m really interested in at the moment.

  115. Sirish

    well, u are understandably fair…atleast u left partial comment of mine 🙂

  116. Tobias Utz

    I’d like to read more about investing (ETFs vs index funds, asset allocation) and more about entrepreneurship. I really like the Friday Entrepreneur series !
    Also, great redesign !

  117. Tobias Utz

    I’d like to read more about investing (ETFs vs index funds, assett allocation) and entrepreneurship. I really like the Friday Entrepreneurs series !
    Also, great redesign of the site !

  118. helena

    More and more on credit cards, please. I run a blog devoted to credit card management and I’d love to share some of the freshest ideas on how to use cards with most benefit for consumers. Looking forward to some new advice, Thank you.

  119. Jon

    I’d like to hear about ETFs vs Index funds, as I have some of both but haven’t read nearly as much information regarding ETFs and would love to hear your opinion on it.

  120. Marisa

    Aside from everything you mentioned on your list, I would like to read something on how to choose a place to live (location and type of dwelling) from an economically rational perspective. Many of us are faced with a lot of variables — rent or buy, close to work/more expensive or far from work/long commute, roommate/not — and some insight into quantifying their value would be great.

  121. Shirley

    Hi Ramit,
    I would like to know more about keeping living expenses down, especially the biggest catagories like housing, food, health insurance, etc, and what would be a good percentage of your salary to spend on each of those categories. Oh yea, stories about your friends are interesting too. Thanks for writing such great stuff.

  122. Heather

    Well, it looks like most of the items you brought up deserve at least a cameo. Personally I’d benefit more from the entry level info: Paying off debt vs. saving (with attention to prioritizing types of debt- installment loans, credit, etc.), and how to start investing with small capital sums.

  123. Franklin

    Ever experience having to take over a parents finances to become the defacto “parent” as a young 20 something after they’ve experienced a serious health event? Maybe a comment on a way to manage another pile of bills and making sure to maintain their credit standing while they’re recovering.

  124. Addison

    Regardless of the topic, I would like to hear “how I did it” or something of that nature. Anything coupled with a detailed real life story. 4-hour work week, when you showed everyone exactly how you set up you finances, and other instances where there were specific stories to explain an idea were the most informative and always avoided failures of the last mile.

  125. Andrea

    My question deals with saving versus debt payoff. I have used Hugh Chou’s nifty calculators to figure some things out, but I was wondering whether you might have any words of wisdom…

    A detailed breakdown:

    I currently have about $23,000 in student loan debt (at an interest rate of 3.25% – thanks to Uncle Sam). A year ago, I signed a contract to finance a new Toyota Corolla for 3 years (at 1.9% interest). And, at the moment, I have a balance of approximately $900.00 on my credit card (at 7.9% interest).

    This week, I withdrew $300 from my savings account in consideration of using it to further decrease my credit card balance. My savings accounts (one with ING Direct, one with E-Trade) now total a bit over $1,000. Beginning next month, I will be attending school (court reporting) and I anticipate using loans to decrease my out-of-pocket expenses. I have already applied for a $3,500 federal student loan (6.8% interest) and a $5,500 private loan from Bank of America (8.07% in-school rate). According to my school’s requirements, I have just begun a lease on stenographic equipment and software ($118/month, 24 months, no prepayment after 12 months). I also put nearly $600 on my credit card for a new laptop (the software won’t run on Macs) and for a new Home/Student edition of MS Office. Hence, the $900 balance.

    With proceeds from the loans, I anticipate having approximately $200/month left. Perhaps half of that will be recycled into immediate re-payments of my shiny new loans; the other half will be stashed for oil changes and other miscellaneous expenses.

    I am not sure whether or not I should siphon money away from my savings to tame my higher-interest debt. From reading personal finance articles for the past several months, I know the wisdom of building savings, especially in case a catastrophic emergency befalls me. However, no matter how stupid this sounds… nothing ever happens to me! It’s illogical to assume that therefore nothing will EVER happen to me, but these are my sentiments, and I’m sure that I’m not the only one who has them. I wish I could have my cake and eat it, too, but I’m afraid that my debt and my savings are at war with each other with no clear victor in sight.

    I should also mention that I am employed full-time and earn $23,000 after taxes.

    Thanks for your time and consideration, Ramit. Take care.

  126. Andrew

    Hey Ramit, I think your problem is that you are asking people who already read your blog what they want to see on your blog. Obviously, they like what’s here or they wouldn’t be reading it! And most likely, current readers feel that you have done a good job of picking topics in the past and feel that they can rely on your judgement about such things. Maybe you ask get some other bloggers who cover similar topics to send readers over to this site. That may introduce some changes in what the responses look like.

  127. Praveena

    Should I pay off debt or save

  128. The Financial Ladder

    I’m interested in hearing about your personal finance situation. How are your finances affected by the advice you give or receive?

  129. Lila Stageberg, MD

    Holy Crapes Ramit!
    You have bloody nailed it. I want articles on how to budget, how to crowbar a savings plan into my income, how to get things as automatic as possible, and how to let my 30 year old son learn about investing and experience some success instead of the foozle he has had. (That’s a real word, I got skunked in Scrabble over that one.)
    Thanks a huge bunch, you da MAN!

  130. Carrie

    My husband is in the Army and right now I am getting my degree. With him gone a lot we have to split his income and sometimes that makes it hard to stick by a budget. What is a good plan for a couple who has to come to and break away from a set budget often? I’d like to be able to get the most out of our money but sometimes it seems like by splitting it we’re losing a little here and there we might not otherwise.


  131. crystal

    *ETFs vs index funds
    Where should I open an investment account?
    Asset allocation specifics (intermediate / advanced)

  132. Andrew

    When people say “save XX % of your income” is this % income before or after taxes? Something I’ve just always wondered, and it’s usually not clarified.

  133. JD


    No one is going to get rich without having a system for organizing, planning and managing their money. This is the one topic that is rarely covered on blogs and in the traditional media, but is critical to attracting wealth. For example, are you able to locate a year’s worth of bank statements, brokerage statements and credit card bills? Do you have all of your account information/userids written down? Do you have written financial goals? Do you know if you have enough life insurance. There are a lot of people who don’t have any of this, nor do they know where to start to put such a sysyem together.

  134. Joy

    Hey there,
    “i dont make enough money to save” –thats me.

    I’m in college and I have a crappy on campus job.

  135. Kate

    paying off student loans, investing for retirement vs. home downpayment. How to decide which one to concentrate on? All three at the same time? Or one at a time? What’s the best course of action?

  136. Gary

    Hi Ramit,

    Something no one else has mentioned (or perhaps I missed it), is how to read financial statements. When picking stocks, a company’s financial statements are one of the most important research tools, and they’re available to everyone.

    I know you’re not a proponent of timing the market nor buying stocks based on hype nor buying because of what pundits say. The alternative though is reading financial statements carefully to find out if a company is valued fairly or if its stock market value deviates from a fair valuation.

    All the best,


  137. Nathan

    I’d like to see more about automated infrastructure.

  138. Cooper

    How to invest/save for the future when you know you won’t be at your current job long enough to vest in your retirement plan. (Working for

  139. Dave

    Wow Ramit, how does it feel to be loved? This should be comment 139. That’s got to be a great feeling, even if not very clarifying for you.

    I’ll read what ever you write, because I will admit I don’t keep alot of these things in the forefront of my brain.

  140. Matt

    Entrepreneurship, Entrepreneurship, Entrepreneurship.

  141. Drew

    I agree with Plus6. Most other finance sites/blogs rehash the same general information. I like your stories about what individuals are doing and see others cope with the same situations so i can rate what I’M doing

  142. Elissa

    Hey Ramit, I think running a poll might get you some better results on this question. Especially if you don’t include the option “everything.” 🙂

  143. Ali

    Would like answers to these questions

    I don’t know where to get started with a bad credit(debt)

    “I don’t make enough to save”
    How to keep a budget with uncertain incomes
    Picking the best accounts: What’s the best…
    Checking account?
    Savings account?
    Credit card?

  144. Andrew

    1) How to save on 30 grand a year without being a pauper.
    2) Best brokerage to open an Roth IRA at. Lowest fees, etc.
    3) I don’t especially care about stores from young people. I’d rather have
    practical information.
    4) What Best way to keep track of all expenses. Computer program?
    5) What is the best rewards credit card (used responsibly). Cash back? Points?

  145. Kibrika

    I didn’t read the comments, so forgive me if I am repeating something.
    If I could get a customized article just for me, it would be on how to learn about investing poossibilities in my country, what changes from country to country in finances and what doesn’t, how does international investing work.
    I noticed someone mention budgeting. That’s a thin that doesn’t change, but I’m afraid that I need practise more than I need advice.

  146. Richard Wu

    Ramit, you can go ahead and delete this comment (or not) after you read it. I just figured this would be less disruptive than IMing you =P

    If these comments have overwhelmed you, look into

    I’ve heard good things about it and it looks like it can integrate pretty easily into WP. This way you can get some metrics and allow people who aren’t as vocal to have a low barrier in having their say.

  147. Vern Dub


    We need a definitive credit card strategy guide based on the most popular card incentive programs: cash back, points, airline miles, rewards, etc. Should I have two different cards: one for paying for gas and groceries, another for big purchases (that I’ve saved for of course) ?

  148. Tali

    My vote(s) would be for research/stories, how much to save, and automation.

  149. Kay

    Should I pay off debt or save? Good topic

  150. Katie

    As a waitress, I’ve never been able to find good advice for budgeting when you don’t have a set income. Some nights I make $150, some nights I make $50. It would be great to hear some advice on what to do when you don’t know how much your going to make each week/month/year/etc. Thanks!

  151. George

    Please write more about working in public organizations – libraries, schools, government, etc. Do you always have to be a second class citizen as far as financial rewards? Do horrific college loans mean that we cannot go into these professions and have a better than average living like our friends in profit-making businesses?

    Give a few ideas or case histories or something memorable on how easy it is to blow it all with drinking, drugging or even sex.
    How many careers have been cut short or cut down by the misuse of any of these and how to avoid it and still have a normal, happy life like you hope to have.

  152. Jenna

    I’d love to read more about how two people should organize their finances when they get married…especially when one person is a financial genius (read: has savings, continues to save, penny-pinching connossieur) and the other is the debt junkie (read: credit card, student, and consolidation loan – laden).

    Throw in said married couple wanting to buy a house…

    Yes, advice would be great!

  153. Tilakraj Shetty

    I would be interested in automating my personal finances including keeping track of the cash flow, my income statement and my balance sheet with minimum data entry and building in an element of budgetary control.


  154. V

    I want to know abt insurance and how to choose between term vs life.

  155. I Will Teach You To Be Rich » I asked a loaded question and got back exactly the answers I expected

    […] the most interesting part about this post, in which I asked you what you wanted to read on iwillteachyoutoberich, was the answers I received. […]

  156. Jacky

    Interested in investing; esp non-USA residents investments in USA EFTs

    Tax matters

  157. Yasmin

    I’d like a guide on how to start from below zero – some guidelines on when it’s safe to make financial decisions, not goals but when to take the plunge. For example, how much debt can I have in relation to say buying/leasing a car and my income? Ideas on how to boost income.

  158. TearIzUp

    Excellent Post. My compliments to the author.

    Buy Salvia

  159. Cely

    I’d like your opinion on the best options for additional income streams requiring no more 5-10 hours per week of time. I work full-time at a job that I truly enjoy — I’m salaried, so full-time means 50+ hours per week. I’m not ready to start my own business, but I have the time and motivation to create a secondary income stream. Trying to determine what will give me the best results for my time (5-10 hours per week). A part-time job? A reasonably compelling blog that I post to at least daily, which could at some point generate income? Or should I devote my hours to research and investing, thereby saving/earning more on the money I already make? Thanks.

  160. DK

    Hi, I would love to hear more about the steps involved in building wealth from a small amount of savings and a lower bracket salary.

    Also is getting finance for buying small to medium businesses a good idea, or too risky?

    Fantastic Blogs BTW.