If you use generic phrases like "feeling motivated" and "I'm going to buckle down," I can tell you you're already going to fail. And after failing mu… - Ramit Sethi

You can do it. All it takes is a plan. And it's really as simple as that.

The major turning point for me was when I got serious with my girlfriend. She made about a third of what I made, but she had about a year's salary saved up. I was ashamed to have $40,000 in debt, so I started applying the IWT principles to pay down debt and accomplished that inside two years.

if you're nervous about investing and just starting out, your biggest danger isn't having a portfolio that's too risky. It's being lazy and overwhelmed and not doing any investing at all. That's why it's important to understand the basics but not get too wrapped up in all the variables and choices.