Most money advice is too complex, too frugal, or too outdated.
Ramit Sethi changed the game with a simple truth:
“You don’t need to be a finance nerd to be rich.”
Here are 7 habits from his bestseller you can steal:🧵
Ramit Sethi changed the game with a simple truth:
“You don’t need to be a finance nerd to be rich.”
Here are 7 habits from his bestseller you can steal:🧵
1/13 Why This Book Still Matters
Ramit’s philosophy is clear:
•Automate everything
•Focus on big wins
•Spend on what you love
•Stop micromanaging every $3 coffee
You get rich by building a system.
Not obsessing over spreadsheets.
Ramit’s philosophy is clear:
•Automate everything
•Focus on big wins
•Spend on what you love
•Stop micromanaging every $3 coffee
You get rich by building a system.
Not obsessing over spreadsheets.
2/13 Habit 1: Automate Your Finances (1/7)
Wealth isn’t about discipline.
It’s about systems.
Automatic transfers to:
• Savings
• Roth IRA / 401(k)
• Investment accounts
• Bills
This creates wealth on auto that grows while you sleep.
Wealth isn’t about discipline.
It’s about systems.
Automatic transfers to:
• Savings
• Roth IRA / 401(k)
• Investment accounts
• Bills
This creates wealth on auto that grows while you sleep.
3/13 Habit 2: Spend Consciously (2/7)
Rich people spend lavishly—on what they love.
And ruthlessly cut what they don’t.
The key?
Intentionality.
Every dollar should reflect your values, not someone else’s expectations.
Rich people spend lavishly—on what they love.
And ruthlessly cut what they don’t.
The key?
Intentionality.
Every dollar should reflect your values, not someone else’s expectations.
4/13 Habit 3: Forget Financial Expertise (3/7)
You don’t need to “beat the market” or read charts.
You need:
• Basic investing knowledge
• A debt-free mindset
• Emotional control
Ramit calls this smart money for normal people.
You don’t need to “beat the market” or read charts.
You need:
• Basic investing knowledge
• A debt-free mindset
• Emotional control
Ramit calls this smart money for normal people.
5/13 Habit 4: Save While You Sleep (4/7)
Compounding = the most powerful force in personal finance.
Start early.
Invest in long-term, high-yield vehicles.
Set it on autopilot.
This is Passive Wealth —let time do the heavy lifting.
Compounding = the most powerful force in personal finance.
Start early.
Invest in long-term, high-yield vehicles.
Set it on autopilot.
This is Passive Wealth —let time do the heavy lifting.
6/13 Habit 5: Negotiate Everything (5/7)
From credit card fees to cable bills—everything is negotiable.
Don’t accept sticker prices.
Fight back with:
• Scripts
• Confidence
• Persistence
Small wins → Big savings → More money to invest.
From credit card fees to cable bills—everything is negotiable.
Don’t accept sticker prices.
Fight back with:
• Scripts
• Confidence
• Persistence
Small wins → Big savings → More money to invest.
7/13 Habit 6: Use the Envelope System (6/7)
Financial clarity starts with boundaries.
Use envelopes (or digital buckets) to allocate:
•Rent
•Groceries
•Entertainment
•Guilt-free spending
Structure eliminates overspending.
Financial clarity starts with boundaries.
Use envelopes (or digital buckets) to allocate:
•Rent
•Groceries
•Entertainment
•Guilt-free spending
Structure eliminates overspending.
8/13 Habit 7: Invest in Yourself (7/7)
The #1 ROI?
Your skills.
Learn. Adapt. Upgrade.
Courses, books, certifications — anything that increases earning power is an investment, not an expense.
This is how you unlock Income Compounding.
The #1 ROI?
Your skills.
Learn. Adapt. Upgrade.
Courses, books, certifications — anything that increases earning power is an investment, not an expense.
This is how you unlock Income Compounding.
9/13 What Makes This Different
Unlike most money gurus, Ramit doesn't:
•Obsess over lattes
•Push extreme frugality
•Guilt you into cutting joy
His framework is based on systems > sacrifices.
That’s why it works long-term.
Unlike most money gurus, Ramit doesn't:
•Obsess over lattes
•Push extreme frugality
•Guilt you into cutting joy
His framework is based on systems > sacrifices.
That’s why it works long-term.
10/13 The 7-Habit Wealth System
1.Automate your money
2.Spend on what matters
3.Don’t overthink finance
4.Invest early, sleep well
5.Negotiate everything
6.Create spending buckets
7.Grow your skillset
No drama. Just results.
1.Automate your money
2.Spend on what matters
3.Don’t overthink finance
4.Invest early, sleep well
5.Negotiate everything
6.Create spending buckets
7.Grow your skillset
No drama. Just results.
11/13 Rich Life
Coined by Sethi.
A Rich Life isn’t about being a millionaire.
It’s about having:
•Time freedom
•Spending freedom
•Emotional peace
•No guilt over enjoying life
That’s real wealth.
Coined by Sethi.
A Rich Life isn’t about being a millionaire.
It’s about having:
•Time freedom
•Spending freedom
•Emotional peace
•No guilt over enjoying life
That’s real wealth.
12/13 Takeaway
Rich people don’t budget harder.
They build automatic systems around their values, their strengths, and their vision.
Simplicity builds wealth.
Stress destroys it.
Rich people don’t budget harder.
They build automatic systems around their values, their strengths, and their vision.
Simplicity builds wealth.
Stress destroys it.
13/13 Which of these 7 habits will you implement first?
I hope you've found this thread helpful.
Follow me @JJsFinclub for more.
Like/Repost the post below:
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Like/Repost the post below:
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