Brutally Honest Financial Advice to Fix Your Sh*t

I wake up at 5:30 am to start my day. I don't do this because of feng shui or centering my chakra, but because my cat is hungry.

Ramit woke up on the wrong side of the bed today and decided to spill real facts on us. We all need and could use someone who is telling the truth like this.

My favorite investment story is when Fidelity decided to interview the people who had really strong performances with their portfolios. When they contacted them they discovered the person forgot they had the account or they were dead. 💀

These videos make me think Ramit has a split personality. He’s so patient on the podcast with situations that would make me lose my mind, but here he is popping off. Get out the frustration! I love it!

“Do not confuse desire with affordability” is the best advice. as soon as you put your desire over affordability you turn to justifying every excess purchase.

My millionaire morning routine is listening to Ramit’s new YouTube videos! 😂

I work with somebody who worries about her credit card debts and always says she has literally zero in her bank account. Then she recently took out a loan to build a pool. Amazing how financial illiteracy is rampant in America.

You're brutally honest so I'd take that over sugarcoated shit any day. Thanks!

I came across some statements from big investors expressing concerns that the stock market rally could be short-lived. My concern is my $600K stock portfolio is still recovering from a dip of almost 40%, how do I navigate these complex situations?

One of the main reasons I listen to Ramit is because he keeps the shit real.

My parents providing me with “generational wealth” by teaching me to be smart with money trough their example. Thank you for opening my eyes to this truth.

I saved 15 % by switching to geico.. Now I can eat Avocado toast in luxury 😂😂😂😂😂

This content is top tier!! Too many people want shortcuts or miracles but the real answers and truth are very boring and simple. Trying to live a life you can’t afford or be something you’re not will leave you broke and desolate.

The 3 lessons that resonated the most with were 1. Worrying about taxes - That I am currently having OCD with. 2. Think about the 30000 dollar question and not the 3 dollar question - that I have come to terms with after listening to like minded people like you and you have drilled it in my brain. 3. If you want to buy something come up with the number , basically delayed gratification over instant dopamine hit - this is thanks to my dad who was an accountant in an MNC and conservative Indian when it comes to money

I work at Trader Joe’s and I’m tired of customers coming up to me telling me that the prices have gone up so much and it’s killing them. I always ask them do they keep a budget, and they always tell me no.😂

I clicked LIKE before the video ends because Ramit says it's ok to watch Netflix after waking up. 🎉

I lived in FL for years and one thing I could never understand were people refusing to work OT because the taxes. I tried telling them not 100% would go to taxes and it got me nowhere. It was unbelievable. The same people blame inflation for why they have $0 in retirement.

Thank you so much for stating the fact that personal finance isn’t so personal. Yes we are all in different positions in life. But I think in the grand scheme of things we’d all like to increase our wealth. Too often “finfluencers” cop out by saying this isn’t financial advice specifically tailored to you. But who is is specifically tailored for? The vast majority of their viewers are in the same position. A 70 year old with 2.5 million is not looking to YouTube for wealth preservation advice. But 18-45 year old working-middle class individuals that typically hate their job and are looking for a way out certainly will look to YouTube for advice. And in that regard, almost all of the viewers would find advantages with general wealth building advice. Plain and simple.

When I opened my first business, my accountant said, "You make the money, I'll worry about the taxes. Make as much as you can, don't stress on taxes."

Lowkey I knew all of this already but it's nice to get a gentle reminder. Thanks!