---
product_id: 99993215
title: "I Will Teach You To Be Rich Kindle Edition"
brand: "ramit sethi"
price: "FREE"
currency: HUF
in_stock: false
reviews_count: 10
url: https://www.desertcart.hu/products/99993215-i-will-teach-you-to-be-rich-kindle-edition
store_origin: HU
region: Hungary
---

# I Will Teach You To Be Rich Kindle Edition

**Brand:** ramit sethi
**Price:** FREE
**Availability:** ❌ Out of Stock

## Quick Answers

- **What is this?** I Will Teach You To Be Rich Kindle Edition by ramit sethi
- **How much does it cost?** FREE with free shipping
- **Is it available?** Currently out of stock
- **Where can I buy it?** [www.desertcart.hu](https://www.desertcart.hu/products/99993215-i-will-teach-you-to-be-rich-kindle-edition)

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- ramit sethi enthusiasts

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## Description

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![I Will Teach You To Be Rich Kindle Edition - Image 1](https://m.media-amazon.com/images/I/51snMzpy40L.jpg)

## Customer Reviews

### ⭐⭐⭐⭐⭐ 







  
  
    This is definitely the best personal finance book I've read so far
  

*by T***S on Reviewed in the United States on February 9, 2016*

This is my new #1 recommendation for anyone seeking personal finance advice.This is definitely the best personal finance book I've read so far. It's a logical, step-by-step, practical handbook for financial success, specially written for people in their 20's. Sethi gives advice on “automatically enabling yourself to save, invest, and spend - enjoying it, not feeling guilty...because you’re spending only what you have.” His main point: automate your finances so you effortlessly save and invest, leaving you money to spend on things you love without feeling guilty. Automatic saving and investing helps overcome psychological barriers and laziness.In addition to his emphasis on automation, I agreed with Sethi’s recommendation for long-term, passive, buy-and-hold investing instead of speculative, market-timing investing. I also liked Sethi’s 85 Percent Solution, which states that it's better to act and get it 85% right than to do 0%; sometimes good enough is good enough, and it’s always better than doing nothing.Another good message is "spend extravagantly on the things you love, and cut costs mercilessly on the things you don't." That's valuable because everyone defines being "rich" differently, and it's not all about money. Money is just the tool we use to acquire the material possessions and experiences we want. That's the difference between being cheap and being frugal; being cheap is trying to cut spending on everything, and being frugal is cutting costs on the things you don't care about so that you can splurge on the things you do.I liked the concept of making a Conscious Spending Plan instead of a budget. Almost no one actually makes a budget, and even fewer follow it. Instead, consciously decide how you'll spend your money. I especially like this idea of guilt-free spending, because too often the recommendation is to limit all spending. But people in their 20s want to live it up, not sit at home and pinch every penny! The Conscious Spending Plan lets you spend a certain percentage of your money on whatever you want, without feeling guilty, since you’re paying yourself and your bills first.The book is written in the form of a 6-week action plan. Each chapter describes the tasks and reasoning behind them, and ends with a checklist of steps to take. Here are the weeks:Week 1: Credit Cards. Check your credit, pick a good credit card, set up automatic payments, pay off debt.Week 2: Bank Accounts. Open or assess your checking account, open and fund a high-interest savings account.Week 3: Investing Accounts. Open a 401(k), make a plan to pay off debt, open a Roth IRA and set up automatic payment.Week 4: Conscious Spending. Create a Conscious Spending Plan, track spending, and cut in the right places.Week 5: Automatic Money Flows. List and link accounts, then set up an Automatic Money Flow to automatically fund the 4 categories of your Conscious Spending Plan.Week 6: Investing Choices. Figure out your investing style, research investments, and buy funds.The book gives a fairly in-depth explanation of the concepts and fundamentals of personal finance, but also contains plenty of examples of actual bank accounts and funds. There are many references to the 2008 recession and other events, so those parts of the book didn't age well.NotesPersonal Finance LadderRung 1: invest enough in 401(k) to get company matchRung 2: pay off debtRung 3: invest as much as possible in Roth IRARung 4: put more into 401(k), as much as possibleRung 5: invest in non-retirement (taxable) accountConscious Spending Plan recommended percentages (save and invest more if possible)50-60% on fixed costs10% on long-term investments5-10% on savings goals20-35% on guilt-free spendingInvestingUse target-date funds or index funds.Invest aggressively in retirement accounts, since retirement is so distant.Recommended financial institutions: Vanguard, T. Rowe, SchwabRebalance every 12-18 months by investing more in underperforming assets (not selling outperforming assets).Hold tax-inefficient (income-generating) assets like bonds in tax-advantaged accounts.Hold tax-efficient assets like index funds in taxable accounts.Choose funds based on:1. Expense ratio2. Asset allocation3. 10-15 year returnModel your portfolio after David Swenson’s Yale Endowment portfolio:30% US stocks15% developed international stocks5% emerging market stocks20% REITs15% government bonds15% TIPSBuying a houseHouses are a poor investment compared to stocks; they’ve historically returned 0% after inflation. Before buying a house, determine the total monthly payment including mortgage, taxes, insurance, and maintenance. It should be less than 30% of your gross monthly income.The total house price should be less than 3 times your annual gross income.Buy a house only if you can live in it for 10 years. Make a 20% down payment and get a 30 year fixed rate mortgage.To be fair, I probably should have listened to this one, but I did many of the other things Sethi points out.Additional notesUse savings for goals less than 5 years away.Set your accounts for automatic deferrals, transfers, and payments to automatically direct money into retirement accounts, savings, bills, and a spending allowance.Negotiate a higher total compensation (salary plus benefits) by researching compensation for comparable jobs and proving the value you bring to the company.One thing I did was that I continuously talked to my friends about the book and we sat down together and completed a lot of the actions in sequence. By having those around me also aligned it made easier for me not to be tempted to go out. For example, we decided only to go out to eat for lunch once a week to stick to our plan.Sethi also gives many tools and recommendations throughout the book to help you accomplish your goals.

### ⭐ 







  
  
    No Good if You Are Not Living in the USA..
  

*by A***H on Reviewed in the United States on February 28, 2019*

The content and the way the writer started introduction of the book was attractive and nice.When I started reading the techniques I got disappointed because I am not a USA citizen..All the technicies he used to make you rich is suitable for people who are living and working in the USA, or have similar banking and retirement system as the USA.I believe if the writer can use an approach where it can benefit the people who use the international financial and retirement systems (such as Dave Ramsey when he wrote the Total Money Takeover book) it will be a great book because Ramit method in explaining how to use the banking and retirement facilities is acceptable by most people who disagree with the methods used by Dave Ramsey for instant.I wish to see another version of this book by Ramit where I will enjoy and benefit of reading it next time.

### ⭐⭐⭐⭐ 







  
  
    They don't want you to be rich!
  

*by F***Z on Reviewed in the United States on October 24, 2018*

And if they don't watch out you will be smarter.I followed the simple steps and I am a MILLION Gazillionaire...Actually.. I save a bunch of money by dropping my bad bank and I saved a bunch on ATM fees.I may not be rich yet, but I am a lot smarter than the people I work with.Actually, I am smarter than most people I know.I am also much prettier and dress better.

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*Product available on Desertcart Hungary*
*Store origin: HU*
*Last updated: 2026-02-06*