How to finally feel good about your finances

I constantly see people treat money management like their high school math homework. [Rich Life Insiders Banner](113/d586LZ04/VWggbf23WF2KW6dxVlh8yM5d1W52hptB5ftrDVN24tzwx3qn9gW7Y8-PT6lZ3mMW1_CzM27Jw7zYN70jF82ZZlwtW56LfDn7LYr0VW1B0Y_V34Bw3bW8bwTLD4wTgvqV8mDTh2gfhTrW1ZHRhp6Hf6csW5shdzX6_ks6YW1ctfHT25X1rMW80nhL-1FplTFW3mvl925_ktwBN55m__VrZbJNW4vr0Z61bGY3TW1mTmcm960_l4W1r85WW3p25vVW3cg5sW4STn_QW1FHXBc3Wt2kSW5mYZBL8FqjXyW1ZZ2sg2HFVGDW870MBn6dnZxYW7_2zph9m4MmsW33MmGM6Y77y1W8xHYcQ2w9dFmW5tHqlv6s_XrBW7Fc5wV1W6SRdW6rzHGm3GgvM0f2DfRZ604) {NAME}, I constantly see people treat money management like their high school math homework. They try to ignore it, thinking if they don’t look at it, it’ll go away. But it's there. Unavoidable. Inevitable. You can't dodge it forever. Sooner or later, those unattended bills, pesky overdraft fees, and missed payments will track you down. It's time to take control. [Ramit pointing at some bills GIF] I sat down with people across the U.S. to help them take control of their finances on my Netflix show, “[How to Get Rich](113/d586LZ04/VWggbf23WF2KW6dxVlh8yM5d1W52hptB5ftrDVN24tzwx3qn9gW7Y8-PT6lZ3pcV33WmB1g7HhFV-htGT16xQJcW31H7Zr8ff2QtW8Pwfl613F8hmW2Px_fk2G-1LbN3Q1Rzml82fFVRfMqj7xrGYFW4HLTKY3By4YSVb-5sR7PWP7FW4d8mlD3SZTnRVC-mFs3mCN5ZW1N2zJl3sRF_8W7bX4h04RJyBXW8w21YD5pjJ3ZW10T2JJ3k475ZW7kv4l33H_JqFW5wRbDw8bHlX8W22tH2n3FPktnW9g5MlV6PzzdSW3mWS0k63MJktW6v-5BG4qRdtYW1dXvWG7g_6s1N8QpQhgLF7Q0W83wxzh36wtM6W1fTTj433SB-QW7Q1pSJ8jxl1qf5l-NDK04)” When I ask people why they don’t have their money plans in place yet, I hear a lot of excuses over and over again: - “It’s too confusing.” - “It’s too late now. I should’ve started doing that when I was younger.” - “I don’t make enough money to manage it. I live paycheck to paycheck!” - “I have too much debt right now.” Or the deepest of all: “I’m worried about making a mistake.” Look, it’s normal to make mistakes with your money. I’ve bought the wrong book. I’ve bought the wrong shirt (and missed the return period). I’ve hired the wrong person. But the more experience I get with money, the more I realize these mistakes are a normal part of the game. Try to avoid every money mistake you could possibly make and you’ll end up rigid and paralyzed. You can learn to be more flexible with money. If you make a few mistakes along the way? Guess what — you still grow. No more excuses Money is not something to run away from; it's a game-changer that shapes our lives. Once we get real and face the initial discomfort around money, we can use our money to rewrite our life stories. Excuses like "it's too confusing" or "it's too late" won't cut it. Even if you live paycheck to paycheck or have mountains of debt, you can take control of your finances — you just need to follow the right system. [Ramit's happiness collage] I use my money to invest in my happiness Imagine actually enjoying managing your money, paying bills, and checking your bank balance without cringing. I can show you how. In my [Money Coaching](113/d586LZ04/VWggbf23WF2KW6dxVlh8yM5d1W52hptB5ftrDVN24tzx63qn9gW95jsWP6lZ3pTVLQJSp3f5nXvW8sBf0L5wJRvlW3_m5P194_f3bVhYGtB7Y0Cv8W6r6JRW4smdzFN1lj0hnc3kb8W88WWB_4fDjwxW5Xv8v18bs9fJW5G7wDD7VQqp5W4sDNDq49SMSSV_d8yR1VlNFNW6TzMPY1SqYQ1W20__Nh7-YvHnW7qMT9s8_BRHsW3B6Ktg127KQ7W7Y6ZDL2C2l2cW4LmXpz4vQVV1W1hmMQX117VkrW7K4gF-9gqz6vW4c93Gt4kMNQZW2KbC0-3bZv6qN16wXXgg056SW5DlqK-5HvFW8VTfnpx5VH1KzVxfDSs2LSYRxW8MZPnF7jxp_pW2XrP867chZtWW3FP1JK6w0tPQW6BY5Nw7czb_hW65Fw342j-Nx7f3m_Yyl04) program, we tackle spending, saving, investments, and paying off debt, equipping you with strategies for financial mastery. It's time to take charge of your financial future. Imagine finally paying off that credit card debt. Taking the vacation of your dreams. Paying the tab without hesitating. Buying the high-end item you’ve had your eye on without having to wait — and hope — for a sale. Actively funding your retirement account and feeling safe about the future. Being the envy of your friends as they constantly ask how you DO it. When you start using [the right frameworks](113/d586LZ04/VWggbf23WF2KW6dxVlh8yM5d1W52hptB5ftrDVN24tzx63qn9gW95jsWP6lZ3n4W3wQ-kn886GZMMxfq8XbbTC_W1DKb_F1HrNRmW6TCZlK5Z3pkSW17f9__38K3tLW3NmT4V7FSQzZW4K5s9X16sLY7W2-f6nm38GvBYW2TY0HT33Y7yhN5ngwzdq6yCFN2KnPXxK8R7_W5RHwgj5qmg_rW5R2CgM8p-k2HW8H9jXV9lVzq2W1ZgLL73jb4FMW95wGKc2QJ44TW8HxBf26-Q2MJW8B085L42TWRHW3r9X3v12BNlJW1LHCvC6ZhJKFW18MWbM4BHMsjW5Tmrdf2H52kxW5wn2d57PxMx2W6PBK6R6jy3WRW2nnFWP1lQh3TW2WbhGQ5C_dKfN60XZzsrJD9SW5_ZRqD5J0352W3ZdcvB97365XW2yMcPR37h6lVf5f6gFx04) with your money, you’ll realize that your life can be more. It’s not just about having money, it’s using that money to build your Rich Life. Financial coaching, straight from me In [Money Coaching](113/d586LZ04/VWggbf23WF2KW6dxVlh8yM5d1W52hptB5ftrDVN24tzx63qn9gW95jsWP6lZ3nTN79hXD7J-PF6W86WYj06_dY9_W5YBFVt7VHXG5W47NMHJ3BXwfdW75k-4y4ZHLpjW1qcZ5F580mJTW8Ln4SZ6YlB2pW6WJVqN6gmr6rW5_KktP5wp1LcW19k3zp7bL4DlW5n9_wN20BrYcW2Z1qNC8mrfQ-W1TGprS7D-qnxW6t3D1K1t0tknW1x_2ln78b0dmVTxHpr4j93V8W1KBMgp6GQmw8VJ955J5bBLxhW5MLvP48MbT2GVNT76k3Fy_p_W4GMd1z4hd2YNW43X5W91tsdJTW1V72Rn9hLV6pMQGghWH6NHJW9k31NB3B-YYwW4fqlbz8F4DGxW4p2VBL1cVW7dW8bclT552N8PgW6H19lY1qxx2-W7T5qgm4tJzjsf1gcmnn04), I’ll show you how to fix the problems in your finances and finally take control of your money, once and for all. As a Money Coaching member, you’ll receive FOUR layers of support and guidance from me: The Rich Life System: A complete, clear step-by-step guide to create a plan for your money, automate your finances, and make your money work for you, not against you. Monthly coaching calls: Every month, I host a 90-minute group coaching call, just for Money Coaching members. In these calls, I go deep on the Big Wins and hidden psychology of taking control of your money — at every income level — and GROWING your Rich Life. [June Coaching Call Banner](113/d586LZ04/VWggbf23WF2KW6dxVlh8yM5d1W52hptB5ftrDVN24tzx63qn9gW95jsWP6lZ3njW775bzY93x2h1W6-7z094L5SfFW1YPLtK4vd1rDW2sBM9R36gn5dMwN_8Z_H2D5W6bxNTx6m0m-_N2dtr02bGL-bW5LhbVh2TfQGfW4kMh-Q2T-F96W2LFfnR8MMY3LW53qZhg2W_WGSW3F6WYn3NdNZWW99VYgN4KkLP3N6l8nKlFGYT8N2GwKZycG5zsW8bZsnC8hGr7ZVlw1hh1_md4KVmv1058d1wnQN25XC5jrgNGxW9bQtff2Fp6f8W4qr7Rw4FTs2FW6MJQJ363QnYYW2Sfs4-2mPHc9W83bv_W6bgQ3CVvtDvb2M5DyfW6Nzq9j8MpLNWW8fmpff3q43JLW7MrJf738pDffW3H5mNl5KtqLCW679RSJ5v-LBTf5y6Vzj04) [Join today to be invited to June’s coaching call](113/d586LZ04/VWggbf23WF2KW6dxVlh8yM5d1W52hptB5ftrDVN24tzx63qn9gW95jsWP6lZ3lvW950clW602GsCW7xjdg_7S61-hN6hLqm-1SDH6VDwN9_8_YThJN29jVn6nWjvTW5KlXr42nHmr8Vt57xn1d5tNMW5CPC2G5Sl_vfN1H0NWktLBPyN87M6DyPP6svW7XFkPZ7LsbStW6hPPY37kZXP_W7x5G2V5XH9G1W1KbqmG2FQw1HW8Dss3g4SlvVTW5H2L4q3fTS4FN2v6v-ym-R7dW5JR26Z17L7wfW3sh5FW1ZcCMNN89wHGqGLY53W3Nkk_L2W6H6mW6g9hK_6xkT9BN1xx4gjxHswKW1QTYB71ktHC2W3YmG7J2dBD1xW1GQMVw93TgKWN93r_nvKwlXDW4qYh1c1YQH4lW4V6_L57-17TrW1h8QjH3Wtkp0f1yk1qW04) Monthly coaching library: As a Money Coaching member, you get access to ALL past group coaching recordings. The Rich Life Community: Money Coaching includes a private community full of like-minded people getting their money in order — answering questions, offering inspiration, sharing tips, and more. Why keep stressing about money? What if you could actually enjoy it? Money CAN buy happiness Maybe you’re wondering why this is necessary. I hear pushback all the time from people who say, “But Ramit, money doesn’t buy happiness.” You know what bugs me the most about that quote? It tries to trick you into settling. “Hey, just be happy with what you got!” Come on, dream bigger. Here's the truth: Money CAN bring happiness — if we spend it on the things that matter most to us. This weekend, spend money on one thing that makes you happy. It doesn’t matter how big or small it is. Get a massage, buy concert tickets, order dessert. Make an effort to spend money on one thing that you LOVE, and then pay attention to how it makes you feel. The best thing is you can start today. If you're open to testing it out, you could be blown away by the outcome. And that’s just the start. If you’re ready to take control of and start enjoying your money, Money Coaching is waiting for you. Don’t wait any longer. [Start growing your Rich Life today](113/d586LZ04/VWggbf23WF2KW6dxVlh8yM5d1W52hptB5ftrDVN24tzx63qn9gW95jsWP6lZ3mrW1xh2kV2ycYxBW1sQd_r4SgJ8KW24fLPm73Mwd7Vh85DT7MdxhrW53BC8M2RWjn0N7-X5lp1R7sMW5CtWCC8C-pmhW8Shnyl4W1wbFW5K7YDz546kTYMtpLvJnHJL3W499sp-5RPT7PN8Cv-kC4d6mkW2ts0n65gGS8BW8yl5J286tryYW98DMg26fnCwcVQ3QGq6vbNK_W5RYlpR4t5WdFW8xfFHC3wbzBvW2qJpQY3KnvWYW3kTdzy8hj7VTW7TpGwj3HHKBDW3ypW7K3LPkytW81LZrg5PK0VzN96pcwQQkQxtW4pb_rs6Yg4PKVpl79R1M5xgcW4RSX5p5XtScHW8LK-1Q6h-SdvW5Kr1Td6WL5cBV_92tM41w7sZf4B260804). 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