How to fix 1 major cause of money stress

I once spoke with someone on my podcast worth $5.7 million — who hoarded boxes of baby diapers. [Rich Life Insiders Banner](113/d586LZ04/VW0h8p587_MzW29GR146q9dhkW6tdK5Q5cp_fcN7Y8_383qn9gW7Y8-PT6lZ3lxW2ZDQwv11Bn95W2pFh026_8D19N6yTZdmgFDjTW8kpkW583HR35W4hR0153SyZlzN23P1JBlsP4xW3-RGdN5GzrlTW54f4N17FVTW9W6mYVcp4wJ9K_W6PC1my6ZdywyW5XtGDb6zMsJMW20z4Qh4bHLYSW2glHkM1-rz0jN5snHSmZPZtNW8D1qrH1x3q4RW105VMh4ldBBmW8WsdK11C35pwW98rGNv3plc6JVvdMCJ7dNlZ-W9fq1VX5vJJqhW3Q_fb71TFv1sW6pcgkx8G15xdW44v-hm8r40B7W4J99nH1JRVt_W4SWm306NrbDwW8v-49D7Jwh6Jf6sR8xs04) {NAME}, I once spoke with someone on my podcast worth $5.7 million — who hoarded boxes of baby diapers. Like ten times more than the average number of diapers a parent would have. Nicole grew up in poverty. She was afraid that one day she wouldn’t have enough for her kids. Hoarding diapers isn’t a rational thing to do when you have millions of dollars. But it made Nicole feel secure. ([Listen to the entire episode here](113/d586LZ04/VW0h8p587_MzW29GR146q9dhkW6tdK5Q5cp_fcN7Y8_3s3qn9gW8wLKSR6lZ3lQW7jgxnR5KmNQNW8_rSCg7cG6ZsVfVkfY3wY_fTN4ZqjBm6t6pBW96Qzh25ztKP-W78LF1081rqDsW962Qp522t_hwW5w5_t-1X8dBdW45g7617tT4B5W4FhH4_8MnsmzMlRml4Xk2sqW3ZtLF33BtfKnW90nFFR1HFMZ1W1gV3N02LsvrQVkc1rv404XwnW2vjqLH8_JKBpW3Gq7ZJ4M22FvW9hD2S94BtntMN3XxPdRb4WB7W6_Fcvx5-C5WKW5fzCJS81kK-0W7dB54M7jjmdFW2hl3pd7RyZ-PVJrVVC8dmrV-W3nR6rl80KQr6W2xY84476s1XLW1bbHFb3pZgCRW92P9TL58lYlVf7bk1Tj04).) Here’s the truth: Our feelings about money are highly uncorrelated with how much we have in the bank. I’ve found that money stress can often be traced back to how you manage your money, and most people fall into one of five money management styles. Do any of these sound like you? [5 money management styles] The 5 money management styles The five money management styles Most of these money management styles make it harder to feel good about money. Here’s why: - Ostriches keep their heads in the sand. They have no idea about their money, debt, bills, or savings. They avoid it and pray for the best. - PF Nerds build super-complicated spreadsheets to track everything, down to the penny. If this is your hobby, fine. Just know all the extra attention isn’t likely to improve your finances. (Also, remember that a Rich Life is lived outside the spreadsheet.) - Tool Hoppers jump from one money app to another, like You Need a Budget. They get really excited about one app and spend a bunch of time setting it up…then drift away when it doesn’t help. They rarely make progress because they keep looking for quick-fix tools. - Free Spirits don’t track or save. They look at their credit card balance for a rough gauge and keep going, usually leading to overspending, debt, and no savings. It’s chill on a day-by-day basis — but you never achieve a real Rich Life. Do you notice that these first four money management styles cause anxiety no matter how much money you have? For example, if you had $5.7 million like Nicole does, but spent every second tracking the broccoli you got at Whole Foods…you’d end up obsessing over little details like whether or not to get a $5 latte. You’d still feel bad about money! But there’s one more money management style… - Automators put their money management on autopilot. They automate their finances so that all of their bills, savings, and retirement investing happen automatically — and they can spend the rest of their money guilt-free. This is my strong favorite. You can set up an automated system for your money (it only takes a few hours), and then spend an hour a month checking on your money. I only take about 30 minutes these days. Best of all, you can then get on with your Rich Life. Becoming an Automator is a HUGE step toward feeling better about money. But it’s just one part. If you want to finally get your money in order — and stop stressing over it — you have to change your entire approach. I can show you how. How to take control of your money If you want to take control of your money on your own, you can. But I recommend you use my [Money Coaching program](113/d586LZ04/VW0h8p587_MzW29GR146q9dhkW6tdK5Q5cp_fcN7Y8_3M3qn9gW95jsWP6lZ3mBW1Sphfl3lMwh3W3MPMZX7q34qrVKt1Cr4QHMbMW1JTH9g4zspBFW9b_Q4g5QzfhPW32KRBW7ZJ_tqW3jXmwV1fR4HfMSfrCyHLbvpN7fdkFpL-g3-W7bwPRk5f5NqBW41xFSj6WCpthW6D4NZ51GkFDQW2lx7hX4GHqh5W5p72KR6C1d6_W5J4-pW5ClJr4N8wL1q3MZqB7N1pcvsHBds2RW5VnPZQ4GX2m2W7wszY-75mY3GTr0-D6dyD9mW3BKyZ57kg22SVyQQvF8H0FZlW5WXcHL4vNwJTW1bD-Ff3Kz62hW1tKH3M3Yb7PRW4szDc_8kgJVXN5Zh5VzQg5yhW68Vlk42Zzc0LN8gG4BD-2wc_W3swBbK42vS3sf4mPc5604). Three reasons: - You get help from me. Apply to be one of the monthly Money Makeover students, or submit your questions for the Q&A portion of each monthly call. - You get help from the community. Join other students who are all committed to ENJOYING and GROWING their Rich Lives. Students are having discussions across more than a dozen channels, including topics like guilt-free spending, earning more, credit cards, and more. - You get “The Rich Life System,” a step-by-step guide to create a plan for your money, automate your finances, and make your money (and your money psychology) work for you, not against you. [The Rich Life System](113/d586LZ04/VW0h8p587_MzW29GR146q9dhkW6tdK5Q5cp_fcN7Y8_3M3qn9gW95jsWP6lZ3pFW30YtW94N-YxMW7tK5jv2vrYLcW6vdJ5N30CXg5W8Jcpc37WlbYZW22ZdRf7rTK5DW2sYxyq7Kk4skW4XKsZm5VHg0WV6C1_G6GtP2LMwnTBc3hjCsW2kPplS7X4DNZW5mLFqS2PX1nvW5Ck05-4ywjDmW3Cj4-t5pHWsDW7Z3dcq5dJHNSW8TB-5F3jy0lZW5QwpqV88XhF3W7Rk2v71FRj_GW6zpB00943w8XVZgGX14LC3blW2Z_qGb3twXhrW51WNdZ254brVW55DM5r3BqNSRW8bzKzd7C1mXGN6b0LHXzmJn2N41gBDlJNRkSW7Y699C9kkW1HW5Qtd136mPsCFW4rD64j76bglsW5XQtNM7_6QcnW5tHtpp76TxVVf3lk9M-04) In [Money Coaching](113/d586LZ04/VW0h8p587_MzW29GR146q9dhkW6tdK5Q5cp_fcN7Y8_3M3qn9gW95jsWP6lZ3mDW2YWmss3dXCHwW6-z9V52vMrQdW2PBhB06DPMl4W6VfZmR4Mf6M-W8-SysY1vnVr-W4vcZKL1_X6CzN5HG0RWFllsfW2n70bf8-gQJxN8hvKC-FMjnkV4kbBl91YwVyW89QsSw3NlpPnW1GtwR56KD5QYW1rRnyF3vHN7YW7x7B2L8KZHh5W5nG9vL48YW57W7MlYLj5dy6tVW2M-8MK7-Q_BFW2yZZck97Sgt1W8Msl-S4v99LCW224m-73125FyW907yzK60LJ8RW2kfCtF70j8WYW5dlt1f9d43JNW6NWDM45p4VhGW7Dpc1-6nzSHlW4npcmN43xZ-vW32Z5n07LhDnzW2w10cx7jdZgQW575pSq4mfRlfW6tXx-z4V9__Sf8PY-cg04), we cover my proven system for money management that empowers you to enjoy your Rich Life. ✗ No more haphazard attempts to get your money in order. ✗ No more tracking every penny. ✗ No advanced math. ✗ No guilt or shame. Use your money to build your Rich Life, guilt-free, with a completely automated system and trusted guidance directly from me, every step of the way. I hope to see you inside! [Ramit Sethi Signature] P.S. Here’s a quick rundown of how to automate and maintain your money: - [Sign up for Money Coaching](113/d586LZ04/VW0h8p587_MzW29GR146q9dhkW6tdK5Q5cp_fcN7Y8_3M3qn9gW95jsWP6lZ3p0W83C_5g50tqbkW45Bjbc52S-TRW3Q0lcT5tspp_W3TQY9q5QcGfkW46gXx17zrGtSW3DG4tM2nf6L2N6bsLyfySSsGN73ncN-gY9KFW6QhRCQ3ZXHFBW58GzKr2YZrTyW93sSnl2bz6WpW2s-pzd83tZhkW76TYXD8L4dGdW7PD7Cm9drKZdW28MWnd1r8mDMV6--CQ5_zVL_W68GjDD2FdM_HW6bJC5W9gMmxCW49D4YL7SW8rtW7bc-dj5sPyN4MZhmF8d5V11W7t0yNj13rCJrW6ZK6Rc35_FP0V4dsx391NP1tVy2Lz-2FRPLyW2qVGy71W2Wd5Vdgp8K9l924JW7b_Yl75D793PW94F0kJ5BldJDW8D-8rF8WYV3Rf7nTBT004). - Introduce yourself in our exclusive community, answer someone else’s question, or ask your own. - Watch our last coaching video: “How to negotiate a higher salary.” - Start going through the “Rich Life System” playbooks and set up your automated money system. (You can do this in one weekend!) - Join the next live call (“5 money myths that will cost you”) on April 17. [Programs →](113/d586LZ04/VW0h8p587_MzW29GR146q9dhkW6tdK5Q5cp_fcN7Y8_3s3qn9gW8wLKSR6lZ3pWW1hmQFq6r26ZPW7JVk6m4jRFwwW7T9jRP1qbCyVVZsgxs3XN-zvW1RVNKR5F60XCW8lxJtP8sQ9lcW3vlvbW3CM-_PN6PlPJJPBNkXN3xrxXkRZFwbW5lFFF27k7N-xN2D68-vfwrRwW3fhmtF7dscKrW744bf34k4H_tW9dK1H0613jv0N4LH68GzT-HzW1DHjny4nYphbW8CSjRZ7b6tMXW7qpX588BfGWVW6DTF4n1pg2yLW5rPNd91d5fCWW8nZqfx8kmWYrW5vJ1zG3cPRnmW4ksZdc51p_63V2fW6g1X64SFW2HyWZ-6wBHkcW8dwSs06v_m4_N4rd-lq2TCbbW7sLgGz4j9lNff7qZQLY04) [Podcast →](113/d586LZ04/VW0h8p587_MzW29GR146q9dhkW6tdK5Q5cp_fcN7Y8_383qn9gW7Y8-PT6lZ3psW2wrq022YLnDdVbbDyr1FrCq-W65gNS82PN5T7W3G1bk773xQ__W2b51m81b1nF8N4JmGpdzfSXZW4TDV1C49PDp5V46LK_5qZlXSW99hvpB5NZQ0NW7JGB0c3R4MN5W6szcwF5DLp16W8qD-X92-pJGsW7zZ4rm596pVFW25R-y16gZY2sW6Mr5fn5mp3t1W3111-Q4PJWFkW6qFYHS5P0dBwW5YFQBJ60SZ63N51BNLWDfwXgN8BgZfN-h2x7W3J2sj08TGNQTW2C4Lfb2YyHJ6W3FZ2733XrkrdW583-Sc8qzgk-W5HmFf98PwcLhW9gwNq41h0jCWf5pTPmq04) [Netflix Show →](113/d586LZ04/VW0h8p587_MzW29GR146q9dhkW6tdK5Q5cp_fcN7Y8_383qn9gW7Y8-PT6lZ3l8W2tH62d47DDGRVq-NDk30K0MgV10ZJ619s-WnW6k3F5290f0LyW94D-6z2cbZ78V3S_Dn5W2P4hW4M6_NC5m8Vf8W1NyVSw8s8zGxW9dMCjR2Tc-WHW2Z2R8m8t3tHHW2VTC0G1H9hpKVvZD3S23L3pSW3DZjwP1dK-GRN1RhvJhmnvdVW7hSC9G3002TcW1BdPyQ24_yCXW7jZ2SC8vWtQgW52qcpR2cZcZWW4SMR-X3x-TCYW3M9th31bl2CbW22wQCT4g0TSYVFYqsJ3q4shrW1qhZv699yckhW8nWn7H5wZPnXW29jPYW33Ch-0W42y8Rb8Q6Fpkf8nCN8d04) [Books →](113/d586LZ04/VW0h8p587_MzW29GR146q9dhkW6tdK5Q5cp_fcN7Y8_383qn9gW7Y8-PT6lZ3mDW8FqHNc2X-4JcW6NyBqR5ZLHf3W9lMLQY8CQSfpW7WDHqM5cml4nW39cSds4mbhQVW2R7xLb7b68CpW90y1pf5CGCB3N6bjDP3VKNt9W4SlH5T8pNsx8W6f1QHX6dvm6bW3Xyr9f4K7LdbW5-z4_y2l7hhXW282jq09g5dt0W7BdVp09lK8sKW74Y5st1v3tN2W22lkBv9lpJF-W4ZB-Ry2mpbgfW2pt7fk7HxdlZW4G5l0959nk4QW127B2b4fjYrDW48R21V8-HFdcW3w8y_r3Z5jvgW6hj4Qs1YJnK6W4PzpfN2Q7DMtW1_5x-32l38dyW8jWVH71WMvhpf57ZZ4H04) [Website →](113/d586LZ04/VW0h8p587_MzW29GR146q9dhkW6tdK5Q5cp_fcN7Y8_383qn9gW7Y8-PT6lZ3kYW4kS2MW7zCGH3W1F4SWw3vqdHCW5z3Zx16GFwydW7flBlh1S98xwW23jS6R5jF1CwW8P3m7Y1354_RN4nh0wdWLyFLW8LR7VV8wQwW9W9g89H953mGBBW37xdRC89zx2YW6L34M91R26WLV7N-4R3hWNRMW5Gswn_99JCg0W64358C2pSyjGW1dfnvT4RD95TW4t2PDW5dB15XW6W2HhH1Qsx4GW6tmV7L29lywkW6LFqsY4-KRT-W6lX9C43jpRl_W8Gw8PP4V8xdbW7sB5Xp6g2tL7W1qQYCp8PN6LrW6kNDgl1WbgttW42zn8j1HSyb6W5sZZR827Qwsff47vfvj04) [Instagram](113/d586LZ04/VW0h8p587_MzW29GR146q9dhkW6tdK5Q5cp_fcN7Y8_2T3qn9gW7lCdLW6lZ3m1W65Nwrx1QRhfNW5FF9pk10mK0KW2zTMhf5GNvpnW52ZcQr6j_mwYW399TTm1KwXjwW1DdDsL6FjzwMVw8CFS9jmTdqW81bPc-4pMBdwW7Qz9Lr41scyZW55Kj6n7N91HwV_95-X8PQ2FfW5wqxs71KykzXW4_-klX9dq18rW4_g61G7sY8dFN58zvq_TzNkvW26LBdn21Q4V4W7xMNkv7jgs5jN1RWqP6lqL1XW8kRFV_5HNS5QW5ycxZt1QTBbWW59gLsJ1_L4Y6W4WB9Gb5zPzW9N2gXKSJTnklYW2cqKK_4dwsSMf5jtv7K04) [LinkedIn](113/d586LZ04/VW0h8p587_MzW29GR146q9dhkW6tdK5Q5cp_fcN7Y8_383qn9gW7Y8-PT6lZ3q6VtMgfQ81Tt4WW5h5tFN61rV-6W7jXkFZ7Zdkt2W248Hxl6G-Cc_W2JVMxs2FSs0hW6DjbrP79fzBxVvxNLk3F34DHW6CSTZm6ZBQc_W76ywnx4rsSx7W5QVBwX1K1KchW6ftgNk7WM2zQW77SVL72_SxZ4W2Krqm392WTHzW2fcVmP94Xq0hW5cRS9V6C5_7FW8Nyf0v8l_TmCW5MZH-r8--54CVD2V6B2BcB_MW35bG-X8bLPhWW7QRthm6QTstNVflj_g6LCCb9W3vPp_w39zTrsW80_s--2BHQmfW5HcZkv4kwfxCW5M02bC1TgCy6W4zdg-y91wyKtf5vHt_T04) [Twitter](113/d586LZ04/VW0h8p587_MzW29GR146q9dhkW6tdK5Q5cp_fcN7Y8_2T3qn9gW7lCdLW6lZ3ksN6qQNMyyMcgvW4LgLPK8R0kR8W4BfBjd7M1nMwV-1Vj98-QPlmW8LPq-l6qG6hjW4KHKpb8qS9XPW7tbXYY4XL6zfW8nYQHv7DqKyXW7NYrbQ3m31dlMBgmPVGrT9VW6ckf4G6n5PM7W1s_dT636RGW4W2bfw4S24zJtzW7wLvpR88dslVW7sHb4J4_whpdW2mwkS_4by7T0W7qwRTb18fVDSW1ZFCS53Cjdr8N56WPLz-z8-0W3JrbV62WkHzSW6tkrC38rcPDZN3yD3q3X_8rfW4M_3563-89XJW6Klrsz8jQTPrf2pX2pF04) [YouTube](113/d586LZ04/VW0h8p587_MzW29GR146q9dhkW6tdK5Q5cp_fcN7Y8_383qn9gW7Y8-PT6lZ3l5W5VNkl11XDZRgW6Cj5tc2pjQWdW8znKlk1YvC--W6WYZrh3PqHMvW3bbMRP98Bs71W4r9_wH6gPmGHW4hVjjq6p36mHW3q0mrg66k-qVW7-n4k84VbJMJW9gW0z31BnLLFW9f1y9M83qlwlN8Gc9k02yp_KW3DqNYn9jwvJxW1txhxn1vLHBNW1m3znm3WTKRXVn-6CP6XV1PnW7K1zgM5HfKs6W45cg0q1jh8M9W5p3LHz3rCvyMN8dT0VTtDgW5W79NdYQ4-qclNW1Jykx899k4R5W3PFB0z489f8FW3Zg2Qf61RLH8VTbB7J1hdxhwW2lp9KX6PbTwxf88d-mg04) Was this forwarded to you? [Sign up here.](113/d586LZ04/VW0h8p587_MzW29GR146q9dhkW6tdK5Q5cp_fcN7Y8_383qn9gW7Y8-PT6lZ3p0W5Qn4hv3dK-15W4jR-CY10Bc16W47-yp71xkqcmW8jGQm_1Y1TXWW2ZXNzj2WzC92W3pfmjK1QbsfnW5csWF32d4sWwW5Sqbc66Qvfm-W6p8sqy4Fk8jYW1Y1Lzt4jyYQ8W5tr0KT3YRf6hW59_LHM7X7rTmW30DMCJ2fhnTDW7P3nmV555RRTW3BwFMt955thSW2MmvyS7DGmn5V8MFgF37Gq4NW4l0n421VnbBNW4k3jYf5dj-hkVVWppj2flgYDW1LFbBG5x0Gg2W4P-1hP6Csz6CW9h5CQ84P0rM2W2KpJ7340Gj3fVQ0c8c59xnbGW6T7gmk5_Zl1tf4DqJCR04) [Unsubscribe here]( [Manage preferences]( I Will Teach You To Be Rich 548 Market Street #89946 San Francisco, CA 94104-5401 [20th Anniversary Badge](113/d586LZ04/VW0h8p587_MzW29GR146q9dhkW6tdK5Q5cp_fcN7Y8_383qn9gW7Y8-PT6lZ3pJW3wp5y31g9gmcW2KdQpd2S6y0zW7WbSWh1LB0v3N6wGdv92l-n9W843TCc6W8VvCW88G6L84RX3X9W1n18fZ6z1MHbW60Pb70556wsrVdMyRj2p_QYZW7BNLm18Jdlg4VbL2XZ4Lt5sHW6QM2Gn6MrfCrVKs8SX1kws7MV1_95Y3D2bnrVfRtzk9cht2rW7CGnFf14jyB6W2jpCzq915CLkW5WfTwS6MSf57MZq-CBmV40jW7svNmF6zkWl_W2TQNXG52ZbbVW1V3mg74TyG95W7-p3LQ4fhhzqW8VlqnZ3-5HLNW5z3M163wNHs2W1r3Pvn4hXYdFf70rCqn04)