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I Will Teach You to Be Rich

No Guilt. No Excuses. No B.S. Just a 6-Week Program That Works (Second Edition)
Narrated by: Ramit Sethi
Length: 12 hrs and 8 mins
4.5 out of 5 stars (362 ratings)

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Summary

“A unique voice on money, one singularly attuned to...his generation.” (San Francisco Chronicle

Buy as many lattes as you want. Spend extravagantly on the things you love. Live your rich life instead of tracking every last expense with Ramit Sethi’s simple, powerful, and effective six-week program for gaining control over your finances. 

This isn’t typical advice from a money expert. In this completely updated second edition, Ramit teaches you how to choose long-term investments and the right bank accounts. With his characteristic no-BS perspective, he shows how to squeeze every hidden benefit out of your credit cards. Crush debt and student loans. Learn the exact words to negotiate a raise. Set up an automatic payment system and get on with your life. Plus, new material on overcoming psychological barriers, love and money, new investments options, and real audience stories of how applying Ramit’s principles led to a rich life. 

“Don’t let the breezy, irreverent style of this book fool you. It contains serious advice on personal-finance decisions, from budgeting and savings to spending and investing.” (Burton G. Malkiel, author of A Random Walk Down Wall Street)

PLEASE NOTE: When you purchase this title, the accompanying PDF will be available in your Audible Library along with the audio.

©2009, 2019 Ramit Sethi (P)2019 Audible, Inc.
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Useless to anyone outside the US

I heard the author on a podcast and felt he presented well, so was interested in this book. I had no idea it was going to be so US specific. Even the software he recommends is useless outside America. My advice would be to avoid if you are one of the vast majority of citizens in the world ie those outside the US!

49 people found this helpful

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Very specific for USA

Agree with other comments, contains some good principles and no doubt can be of benefit to anyone looking for help and assistance/motivation in improving their financial situation, but a lot of the specific account advice is only relevant to USA. I've double checked and this is not mentioned in the Audible review, should really be included.

76 people found this helpful

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    1 out of 5 stars

This is totally useless if not in USA

I requested a refund, it should be clearly marked for USA only or not be offered in the uk.

25 people found this helpful

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Absolutely amazed at the popularity of this

It’s terrible. I don’t like saying that - but it is. This book is written for people who have absolutely zero understanding of personal finance. If you’re already sticking to a budget, or investing into a fund, or always making sure you’ve paid off your credit cards, then you’re a few steps ahead of this book.

This aside, it’s also written poorly and Ramit didn’t seem to put any actual effort into the production of this audiobook - sounds like he recorded it on his phone. As others mention, if you’re not in the US about 80% of the book is also redundant.

12 people found this helpful

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Not for Europeans

Did go through it completely. Most of the tips are for USA residents only. Like the guy though. Unfortunately this book is pretty useless for me personally.

3 people found this helpful

  • Overall
    5 out of 5 stars

Great read on personal finance

As a 22 year old sarting my career after University, I can honestly say that I believe it has helped me miss probable financial mistakes (saving me thousands, no doubt) especially when it came to investing. Although it may not go in-depth on specific investments I believe it gives an excellent concept of how you should invest your money in different types of investments which in my opinion is more valuable. If like me you had no idea about investing, I recommend the book as a must read. perfect all rounder on personal finances, that teaches you to live the life you want while being money smart in the most easiest passive way.

Being from the UK some of the accounts aren't exactly available here. However there are UK equivalents to the accounts that Ramit talks about such as investment ISA accounts so please don't be put off if you're from the UK. absolutely buzzing with the book and will definitely be referring back to it.

3 people found this helpful

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Very basic - Ramit I was expecting more

I have been following Ramit for at least 5-6 years. Good understanding on his philosophy, but I was expecting adv version of IWTYtBR, but instead we got just updated version of the first book.
Funny perhaps how many people would still have to listen to that!

2 people found this helpful

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There are far better books

I was disappointed with this book. Very basic and states the obvious. May be useful information for a student fresh out of university/college.

11 people found this helpful

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Dull

Very American centric and not that useful! I would recommend Tony Robbins unshakeable over this.

1 person found this helpful

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Only finance book you need to read

Got so much value from this book. On regret is not buying it sooner.i feel in control of my finances rather than money controlling me

1 person found this helpful

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  • NWgal
  • 18-06-19

NO, IF YOU ARE OLDER OR LOOKING BEYOND BASICS

I was many chapters in waiting to learn something new that I wasn't already doing to some degree. Finally, he mentions that this book is for those who are younger. That's how you get rich...start young. I'm going to listen to the end but it's hard because I'm hearing about tactics and strategies I am familiar with for an extended amount of time.

208 people found this helpful

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  • Edward Mosqueda
  • 26-05-19

Clear game plan

This was a great book! I have been researching the FIRE community and personal finance in general. This book gives some good advice that is in line with Dave Ramsey and other finance personas. But I like some of the different directions he suggest for savings, investments and perspective on spending. I’d recommend this book for someone who is looking to start their journey into personal finance but wants something that is easy to understand.

63 people found this helpful

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  • ero
  • 20-06-19

Repetitive - should be retitled.

Pros: Book is very insightful about how to create systems to be financially responsible with the money you are already earning / how to grow it incrementally over time. The book needs to be renamed, but I get he's trying to sell the book, however, the title is pretty misleading and should be renamed to "How to be financially responsible"

Cons: However the book has no real answer to getting rich, unless you want the obvious answer — invest your money and save your money over many years with a retirement fund. Ramit constantly talks about how much he hates the advice: "Stop going out for coffee," however the amount of times he brings it up is more than i've actually heard in real life. Basically the book states that the best way to get rich is to get a job that pays you a lot of money / invest & save the extra money. Wow thanks for that amazing information, I didn't know that was the answer.

253 people found this helpful

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  • Anonymous User
  • 05-09-19

where's the beef?

interesting personal stories but other than that there's really not much to it. Personally recommending "The Richest Man in Babylon" versus this.

31 people found this helpful

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  • Derek H.
  • 17-09-19

Basic money habits

Found this book to be very basic advice on personal finances such as setting up a bank account, opening a credit card, starting a 401k, etc... this might be good for someone who is either right out of school or new to money. Some of the advice though I did not agree with and not sure why it's called a 6 week program. Thought it was also kind of odd to start the first chapter off with using credit cards to earn points for free trips. Although this can be true, this probably is not sound advice for someone who doesn't already know about everything else that is taught in this book. Overall I think the book lacked structure and was repetitive at times which made it boring and just not for me.

29 people found this helpful

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  • Amazon Customer
  • 21-05-19

Very specific for USA

The book gives great advice, but it is very USA-specific. Although with some care, main concepts can be applied internationally.

62 people found this helpful

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  • Franco Espina
  • 05-09-19

Really? Be rich?

I appreciate the book and I would like to thank Ramit as writing a book is not easy but there’s a big but. The title of the book is very misleading. Yes you can be rich but I don’t want to wait until I’m 70! Come on dude! Such a waste of time and money. Don’t waste your money. Pls change title!

23 people found this helpful

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  • CMB
  • 19-06-19

He only gets a few things right. Niche reader only

This book is only for young people who have a 9-5 corporate america 401k sort of job. Everyone else, pass on this book.
Pros: Best part he gets right is his section on Credit Cards but you probably don't need this book to find the info. If you know zero about how to use CC's then yes, go for the book. He says Bank of America and Wells Fargo are awful and I agree!! Longterm investment strategies? 100% agree! He also has great showmanship in this book.

Cons: He judges people by how they eat chicken wings? WTH kind of nonsense is that. He also, says people who end sentences with "..." are crazy um...okay, cool... Also, said Financial Advisors are all weirdos and unnecessary. I know plenty of advisors personally and yeah, some are weird but half the people in any sort of industry are weird, including authors.

Plus, not all advisors are out to take you for a ride. Are some? Absolutely! Find a company that holds their advisors to a Fiduciary standards bc they do exist, maybe only a few, but they are out there. (FYI, FINRA enacted a law last year or the year before that ALL advisors have to be held to this standard now so...)And an advisor can really tell you how much money you need to retire, in a FREE consultation.

Also, in what world does the stock mkt give you an 8% return consistently, even during recessions?? I know for a fact there are places you can invest for a tax free return (Yes, TAX FREE interest) at a 5% return which is recession proof. Sounds to good to be true? It's not, but you will need to consult an advisor to set up this unicorn of a strategy.

The author keeps touting reader reviews who said they have saved $100k in I think like 5 or 7 years (Cannot recall exact #) since reading his book and at age 38 are set to retire at 54...um, what? $100k is great, but in retirement might as well be $100 bc that is not even close to what most need.

The author makes plenty of apologies for things he got wrong with his first edition of this book which leads me to wonder, what will he apologize for getting wrong in second edition when he comes out with a third?

(If you are wondering, NO I am not an advisor nor do I work for a firm. I DO however have longterm investments, longterm care insurance, disability, and life etc and if anything happens to me my family is taken care of forever. And yes, you can do all this without working for a Corporate America job)

74 people found this helpful

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  • Anonymous User
  • 25-05-19

Only if he could stop putting his emailers’ feedback!!

This book is full of his emailers feedback and many many ‘I will teach you how’. Get to the point already.

50 people found this helpful

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  • WENDY
  • 27-05-19

Delivers What It Promises!

This is a great personal finance book for a number of reasons - it covers all the major areas of personal finance, it’s simple, and most importantly it cuts through all the BS. If you are going to read only one personal finance book, make this the one!

28 people found this helpful