The mindset of conscious spenders is the key to being rich. - Ramit Sethi

why I hate Wells Fargo and Bank of America. These big banks are pieces of shit. They rip you off, charge near-extortionate fees, and use deceptive practices to beat down the average consumer. Nobody will speak up against them because everyone in the financial world wants to strike a deal with them. I have zero interest in deals with these banks. If you use them, don't. You're asking to be mistreated if you do. Google "Ramit best accounts" for the best checking and savings accounts and credit cards. I make no money from these recommendations. I just want you to avoid getting ripped off.

He created a "Top 50 Favorites" list of contacts on his phone. He prioritizes them when it comes to hanging out. When he has a free minute, he calls/texts the people on his Top 50 list. Then he told us, at the end of the year, he re-evaluates who should be on the list and shuffles/deletes/adds to it. It can only be 50 people, so every year, he makes the tough decisions as to who's in his Top 50. People DID NOT LIKE THIS.

Understand that people value what they pay for. You're not doing them a disservice by charging them, you're actually doing a profound service for the people who want to take action.