Description
Oliver’s Note: Don’t let the “cringe” title fool you
Honestly? I almost didn’t include this. When I first saw the title, I thought: “Great, another dodgy get-rich-quick scheme.” As someone working in finance, I’ve developed a very sensitive BS detector for books like this. But after multiple friends recommended it, I gave it a go.
It’s actually the most practical book I own. While The Psychology of Money fixed my mindset, this book gave me the actual “how-to” scripts. It’s the antithesis of the typical “stop buying lattes” advice. Ramit’s whole philosophy is: Spend extravagantly on the things you love, as long as you cut costs mercilessly on the things you don’t. For a 27-year-old in the UK trying to balance a social life with long-term investing, this was a game-changer. It’s about building a system that runs on autopilot so you can actually get on with your life.
What’s inside?
This is a 6-week program (that you can honestly set up in a weekend) designed to automate your financial life. No spreadsheets, no guilt.
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The “Conscious Spending” Plan: How to ditch the budget and replace it with a plan that allows for guilt-free spending on things like travel or great food.
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Automation for Lazy People: How to set up your accounts so your bills are paid, your savings are stashed, and your investments are growing without you even logging in.
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Negotiation Scripts: Word-for-word scripts to get your bank fees waived or your credit card interest rates lowered.
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Investing for the Long Haul: Why “picking stocks” is a fool’s errand and why low-cost index funds are the only way to go.
The “No-BS” Verdict
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Tone: Aggressive, funny, and very “straight talk.” He tells you exactly what to do and which banks to avoid.
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Time to read: Quick. It’s designed as a manual—you read a chapter, you do the task, you move on.
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Best for: People who are tired of feeling guilty about their spending and want a “set it and forget it” system.
“There is a limit to how much you can cut, but there is no limit to how much you can earn.” — Ramit Sethi
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