I Will Teach You to Be Rich: No Guilt, No Excuses - Just a 6-Week Programme That Works PDF
Preview I Will Teach You to Be Rich: No Guilt, No Excuses - Just a 6-Week Programme That Works
Additional Praise for Ramit Sethi and I Will Teach You to Be Rich “Ramit Sethi is a rising star in the world of personal finance writing. . . one singularly attuned to the sensibilities of his generation. . . . His style is part frat boy and part Silicon Valley geek, with a little bit of San Francisco hipster thrown in.” —SAN FRANCISCO CHRONICLE “The easiest way to get rich is to inherit. This is the second best way— knowledge and some discipline. If you’re bold enough to do the right thing, Ramit will show you how. Highly recommended.” —SETH GODIN, AUTHOR OF TRIBES “You’ve probably never bought a book on personal finance, but this one could be the best $13.95 you ever spent. It’ll pay for itself by the end of Chapter 1 (check out the box on page 24 to see what I mean).” —PENELOPE TRUNK, AUTHOR OF BRAZEN CAREERIST: THE NEW RULES FOR SUCCESS “Most students never learn the basics of money management and get caught up in the white noise and hype generated by the personal-finance media. Ramit’s like the guy you wish you knew in college who would sit down with you over a beer and fill you in on what you really need to know about money—no sales pitch, just good advice.” —CHRISTOPHER STEVENSON, CREDIT UNION EXECUTIVES SOCIETY “Smart, bold, and practical. I Will Teach You to Be Rich is packed with tips that actually work. This is a great guide to money management for twentysomethings —and everybody else.” —J.D. ROTH, EDITOR, GETRICHSLOWLY.ORG “Ramit demystifies complex concepts with wit and an expert understanding of finances. Not only is this book informative, it’s fun and includes fresh tips that will help anyone master their finances.” —GEORGE HOFHEIMER, CHIEF RESEARCH OFFICER, FILENE RESEARCH INSTITUTE I WILL TEACH YOU TO BE RICH RAMIT SETHI BY For my parents, Prab and Neelam Sethi, who taught me that being rich is about more than money Copyright © 2009 by Ramit Sethi Design copyright © 2009 by Workman Publishing All rights reserved. No portion of this book may be reproduced— mechanically, electronically, or by any other means, including photocopying—without written permission of the publisher. Published simultaneously in Canada by Thomas Allen & Son Limited. Library of Congress Cataloging-in-Publication Data is available. ISBN 978-0-7611-4748-0 Cover illustrations by Peter Sucheski Interior illustrations by Nora Krug Author photo by Scott Jones Workman books are available at special discounts when purchased in bulk for premiums and sales promotions as well as for fund-raising or educational use. Special editions or book excerpts also can be created to specification. For details, contact the Special Sales Director at the address below. Workman Publishing Company, Inc. 225 Varick Street New York, NY 10014-4381 www.workman.com Printed in the United States of America First printing February 2009 10 9 8 7 6 5 4 3 2 1 Acknowledgments The process of writing this book repeatedly made me wish I were dead. But once I was done, I felt great, my posture improved, my eyesight got clearer, and the world seemed great. I imagine this is what giving birth feels like. I was fortunate to have a great team of people who helped me turn this book into its final form. Jeff Kuo is simply the finest researcher I’ve ever worked with. He was instrumental in helping bring this book together. I’m grateful to Chris Yeh, who’s not only a brilliant marketer but perhaps the most frugal man I have ever met. And to Ben Casnocha, a deep thinker who forced me to dig deeper into everything I wrote. Noah Kagan and Charlie Hoehn helped me spread the word about this book. Couldn’t have done it without them. Several friends helped immensely by reviewing drafts of this book, including Ben Abadi, Julie Nguyen, Vivek Sankaran, and Jen Tsang. The folks at Workman were amazing: Margot Herrera, my editor, was incredibly skilled at helping me organize my thoughts into a coherent book. Plus, she’s fun: In one of the first chapters, I wrote an over-the-top joke just to see how fast she’d cut it. She just said, “I think we should keep it. It’s pretty funny.” What more could I ask for? Cassie Murdoch, the perfect complement to Margot, is ultra-organized and constantly thinking two steps ahead. Many thanks to Peter Workman, who is brilliant and eccentric—exactly as rumored—and to all the people who helped tell the world about this book: Andrea Bussell, Kristin Matthews, David Schiller, Andrea Fleck, and Justin Nisbet. Kudos to Janet Parker, Beth Levy, Barbara Peragine, Doug Wolff, David Matt, and Nora Krug. Lisa DiMona has now worked with me on two books. You couldn’t ask for a better agent. Seth Godin, who took a chance on a college kid with a cocky attitude and a lot of ambition, got me started in publishing. BJ Fogg, my mentor and professor, first showed me that you can use psychology for pro-social uses, not just to get people to buy more stuff. To my family, Prab and Neelam Sethi, Nagina, Ibrahim, Rachi, Haj, and Maneesh—thanks for keeping me motivated for the last two years of writing. Finally, to my readers. I hope this book helps you on your way to being rich.
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