Ramit Sethi Quotes

Fundamentally, there are two ways to get more money. You can earn more or you can spend less. Cutting costs is great, but I personally find increasing earnings to be a lot more fun.

Americans' biggest "investments" are their houses, but real estate is also the place where Americans lose the most money. Real estate agents (and most homeowners) are not going to like me after this section, but in truth, real estate is the most overrated investment in America. It's a purchase first — a very expensive one — and an investment second.

the average American is nearly $7,000 in debt.

change up how you deliver your words (smiling, slowing down, and changing your tone)

This may be the most important idea in business. If you only take one thing away from this book, it should be this: Create something that people WANT to buy.

Here's an unexpected lesson I learned: The world wants you to be vanilla. They will always push you to look and act the same as everyone else.

One of the key differences between rich people and everyone else is that rich people plan before they need to plan.

Life is always going to be messy. But the most successful people don't rely on "motivation" or "working harder" to get things done. Instead, they have systems for the big, big wins, and let the inconsequential stuff fall to the wayside. As your business gets increasingly successful and complex, this becomes more and more important.

let our money grow for thirty years. But that's not sexy, is it? Instead,

There is power in saying no to the things we don't care about. But there is even more power in saying a big YES to the things we love.

It's more important to get started than to spend an exhaustive amount of time researching

The card I use for travel and eating out is the Chase Sapphire Reserve. For everything else, I use an Alliant cash back card. And for business, I use a Capital One cash back business card. For extra benefits, I have an Amex Platinum card.

Never let yourself become house poor

My friend Jim once called to tell me that he'd gotten a raise at work. On the same day, he moved into a smaller apartment. Why? Because he doesn't care very much about where he lives, but he loves spending money on camping and biking. That's called conscious spending.

Actually listening is the critical differentiator between a successful business with happy customers… and everyone else.