Charging a premium amount allows me to offer a premium service. - Ramit Sethi

Your key takeaway: Call your credit card company and ask them to send you a full list of all their rewards. Then use them!

The truth is that the vast majority of young people don't need a financial adviser to help them get rich. We need to set up accounts at a reliable no-fee bank and then automate savings and bill payment.

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.