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Summary

At last, for a generation that's materially ambitious yet financially clueless comes I Will Teach You To Be Rich, Ramit Sethi's six-week personal finance program for 20-to-35-year-olds. A completely practical approach delivered with a nonjudgmental style that makes readers want to do what Sethi says, it is based around the four pillars of personal finance - banking, saving, budgeting, and investing - and the wealth-building ideas of personal entrepreneurship.
©2009 Ramit Sethi (P)2009 Recorded Books, LLC

What members say

Average customer ratings

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  • Overall
    5 out of 5 stars
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    5 out of 5 stars

Brilliant - starting from the beginning right now

This was a well structured, well thought-out and very simple guide to sorting out personal finances. It is a common sense approach that isn't all that common!

I am British so for British listeners: a "401k" is effectively a pension or SIPP, and a "Roth IRA" is an ISA. Just remember this as they are both mentioned frequently throughout. - if you don't know what they are then google them first.

6 of 6 people found this review helpful

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if you're American 5 stars. live elsewhere 3 star

great book if you're American. Very geared to US system. not so great from UK.

4 of 4 people found this review helpful

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Great 'How-To' guide that anyone will benefit from

Any additional comments?

As a 21-year old British student, I found Ramit's step-by-step guide action inducing - by following the tasks set in each chapter and thoroughly informative. This will provide a solid financial foundation for anyone struggling with credit card debt but also for those planning for the long term. For me however, the most valuable lesson, is Ramit's financial philosophy of saving/investing but maintaining a pleasurable lifestyle where you learn how to enjoy your money. I'm grateful to catch on to this book early, to lay the foundations for financial stability and success in the future and avoid many common mistakes made by many. I have and will continue to recommend this book to friends/family.

2 of 2 people found this review helpful

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Ok

Mainly directed towards an American audience, but a good listen nonetheless. Very insightful and some useful information.

1 of 1 people found this review helpful

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Best one I 've read so far

Pure gold.This is the best beginner's book I 've read so far. A must read ,not only for millenials.

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Good if you are American, but still useful.

A little worrying that he starts off with the use of credit cards to gain points and miles and not address spending habits with credit cards. However, still helpful without any real insights or new info.

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Great book for getting to grips with your finances

Thanks to this book I've managed to automate my finances and look forward to finally growing my savings and never saying I don't know where my money goes again
thanks Ramti

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Great Content but how good for UK readers?

Its 2017 and I am based in the UK. I have opened my first credit card and checked my credit report. I have savings so now to figure out where to invest for UK equivalent funds.

It seems as though its a brilliant resource. Only time will tell. Thank you for the inspiration Ramit.

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smart money management for wealthy retirement

I disagree that the book teaches you to be rich. Instead it teaches you about smart personal finance. You'll have a nice retirement, maybe even an early one, but there's no techniques that will make you rich. At least not in the next 20 years. However, you'll learn how to save, invest and live pretty much debt free.

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Uncomplicating the complicated world of money

This is the beginners guide to becoming a grown up with your money. Wish I'd have discovered it 5 years ago. Funny, well paced and a much needed kick up the arse.

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  • Overall
    5 out of 5 stars
  • Erica
  • 08-03-11

Behavioral approach to money sets this book apart

I LOVE Ramit Sethi. His style is irreverent and occasionally obnoxious but hysterically funny and deeply influential. Ramit's emphasis on behavior and his back ground in psychology is what sets this book apart from the average personal finance book. I was convinced that this was one of the best books out there by the 4th chapter but the last chapter "A Rich Life" blew my mind. More than just money management strategies this chapter dealt with the real value of money, what it takes for you to feel rich, how to handle money issues in relationship, and negotiation strategies for anything from buying a car to getting a raise. I would recommend buying the text version as well if you like what you hear but you can get the bulk of the message with the audio version.

29 of 29 people found this review helpful

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  • haqtech
  • 19-12-14

Good book to start in your 20s but light

the content is good, in fact, I'll give it as a present to friends that just graduated from college. Now, if you are in your 30s, 40s, etc... and you have already read other marvelous books like "The Millionaire Next Door" or you already have a decent personal finance background, I think this book adds little value. thx.

17 of 17 people found this review helpful

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  • Elizabeth
  • 27-06-14

Inspired Me to Overhaul My Personal Finances

If you could sum up I Will Teach You to Be Rich in three words, what would they be?

I got this book on a whim (even though the title made it seem kind of dumb) and I'm glad I did. It's the first book I'd ever read on personal finance and Ramit's good advice and fun approach motivated me to make some serious financial changes. Now I'm tracking my finances, I started high-interest online checkings and savings accounts, I got a credit card, and I'm going to be opening a Roth IRA. I didn't agree completely with everything he said (I kind of balked at his advice about salary negotiation and I ended up picking a different bank for my savings account than the one he recommended), but his personal finance strategies are great and it was fun to listen to him.

21 of 22 people found this review helpful

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    5 out of 5 stars
  • Brandon
  • 01-09-10

great advice

Technically you could find all of this information for free elsewhere, but Sethi very clearly, very entertainingly and very practically gives tons of advice on how best to automate your money to go to the right investment accounts, what you should look out for and what you should avoid. In a similar vein to the "Four-Hour Workweek," Sethi trains you on developing habits for looking at investments and expenses that stick with you after you've accomplished his weekly action lists.

Although I enjoyed this audio recording, I might recommend getting a printed version because there's a lot of information you'll need to reference at later times.

27 of 29 people found this review helpful

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  • leif
  • 17-11-13

Great if u live in the USA, don't buy it u don't

Would you say that listening to this book was time well-spent? Why or why not?

If you live in the States it is a great book, but 90% of it does not apply if you live outside the US.

50 of 56 people found this review helpful

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  • DangerD
  • 10-02-15

Very Insightful

I'm a bit outside of target age, but did begin investing within that range. Author enlightened me in several areas that will still benefit me going forward. Great info. I would highly recommend to the targeted age, but there is much for others. I feel I'm a bit more security conscience than the author portrayed, and would weigh some advice more so from that perspective, but that does not take away from the central thought of this book. Well done!

13 of 14 people found this review helpful

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    5 out of 5 stars
  • Ben
  • 25-03-10

This book changed my life

i purchased the paper book 6 months ago and it completely changed my financial life, i also purchased this audio book about a week ago and it was great listening to Ramit read his own book i also listen to chapters frequently when i need inspiration or a refresh. his blog by the same name is also a daily read now too
Great work Ramit

13 of 14 people found this review helpful

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    5 out of 5 stars
  • Dusty
  • 23-09-10

The content is much better than the title

This book was recommended to me twice by two different friends. I was skeptical of its value due to the cheesy title, but apparently you can't judge a book by the cover. I really liked this book.

This is not a detailed financial book, it is a very practical "this is the bare minimum you should be doing, and here's how you do it" book. Which for me, was a perfect starting point. I used a lot of Ramit's advice.

If you're young and just getting started with *really* managing your finances, this is your book.

I bought the audio book and half way through bought the paper back book so I'd have quick reference to the resources Ramit frequently cites.

25 of 28 people found this review helpful

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    5 out of 5 stars
  • G
  • 02-08-10

Excellent book to plan out your personal finances.

This is a no-nonsense book written by a normal person who knows what he's talking about. There are many opinions that might seem counter to the mainstream, but with a lot of truth. I have internalized many concepts from here and I'm already putting them in practice, and telling everyone some of the great concepts in here. I've read several books about personal finance, but this one is my favorite so far. Very accessible.

12 of 13 people found this review helpful

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  • Christopher
  • 03-09-15

I Will Teach You To Be Not Poor

What could have made this a 4 or 5-star listening experience for you?

If the content was accurate to the title.

What was the most interesting aspect of this story? The least interesting?

I found it interesting that Ramit Sehti has such a low estimation of "rich"

What reaction did this book spark in you? Anger, sadness, disappointment?

Much disappointment. But eventually I just started laughing at some of the advice given.

Any additional comments?

This book will not teach you how to be rich. It WILL teach you how to be incredibly middle class, though. So if that's what you want, then cool, go ahead and follow his advice. But if you think that anybody ever got rich from investing their retirement accounts into index funds, then you're either clueless or you think "rich" means anyone with more than $100k to his name (which is apparently what Ramit thinks). When I think "rich", I'm thinking of million- and billionaires. You don't become a billionaire by investing at 8% over 40 years while still slaving away at a job, which is where you go to make your employer rich instead of you.

If you want to get rich, you have to learn how to add value to society, and you have to know the difference between primary, secondary, and tertiary wealth. Index funds are tertiary wealth. That's not where the real money is made.

Don't get me wrong, if your goal is to be extremely middle class and know how to automate your bills and have an easy-to-follow budget, then this book is great for you! But don't confuse that with being rich. This is not what the rich do. I'm sure this book has value for some people, but I can't take a book seriously when it tells me that I need to invest in an index fund in a market i have ZERO control over, where I have to just hope the market goes up when I'm ready to retire, and the author is telling me an 8-12% return on my money is good when angel investors and entrepreneurs are making 10,000%-to-infinite returns on their money. Absolutely ridiculous advice. If you truly want to know how to get rich, simply learn what the rich do. Hint: they don't invest in index funds and hope for 8% returns ;)

5 of 5 people found this review helpful