Money lessons from a gross casserole

I’ve said it many times before, and I’ll say it again here: Money is psychological. [Rich Life Insiders Banner](113/d586LZ04/VX38Kg8cRv6dW3FkGSR5m9WH9W35KrPN5dz7KFN6B8Nrj3qn9gW7Y8-PT6lZ3nhW57VhWv115VQZW1gvn8b79FvqXW2rhp9N1gr3crW7c84x-8nw2dFW5Z1YC73lpKD5M1nJGDL5Rf8W3HFcxM7jctwpW3YMhlj7k4HlqW25Gzkh44ccswW3Vhj5C1WdL61N3l-4kLpVx2FW84wjDh4-3-jhW491Y-D5Y85g1W7KrfGs27kMCVW1FR4L94cPpJQW10hVBL2pZ5b0W20dXSC6FLzpqW3W_JQf20m4TjW5Q4Kxq23BNg8W5VTpVX4rxT4SW46jr-61DywK_N3jp0vd8m46LW8xQX6m7mVKBLW8bkpc92kyYprW5vkL4_4T15TwW4PwYSY8VBZstf3PhlJ204) {NAME}, I’ve said it many times before, and I’ll say it again here: Money is psychological. You can have all the best resources at your fingertips. But without addressing your psychology first, it’ll be impossible to make any meaningful changes. My [New York Times bestselling book](113/d586LZ04/VX38Kg8cRv6dW3FkGSR5m9WH9W35KrPN5dz7KFN6B8Nr05nXHsW7lCGcx6lZ3nTW6kgpnt1gV0LnW14mhRh3x2CL1N2XdsDRJJ6rgW66C8bW7HNRk8W2DTWkg6BFBdlW44FlRC8f-L8MN8PFKb5rkVl4W4DYLtR6hnT7BW41FSZJ8Jl5fqW2YlB9x3Hl2DHW5jQ56B1bs4kCW6vJ4KQ19fK5TW2YRVrk4pcWvsW1xTSYD5xBk8wW8DDqFK1_TtGFW2qyvBf2lhBC2W15NKSh1xPJ8MW36Q0CT41TnFfW30WlgP1fSGv1VDtmcH9jlb8YW1-f4FK74WqtgW3zGCgC4LV3z9N6dkCTNBbtjnW5W4fKM1lMN22W4R2CWS6h3RXcW5Xt4V43Q4WZKW5X-4dS8f5zKMW8vh_Cy590HMdW65090g4PN120W4XTK-y7r5-YkW4MQW-C5RCqh2W91Swqf4fBCBpW2pzRn62nNPQZW7ZNFTW4WNwqbW6xC1gK8s56k7N5XXC_ZS-m8YW7d9Bbv56XttmW88rf522CG0_yN6plPS0QlNsKV98YmC6Kwdgjf6XV14d04), my [podcast](113/d586LZ04/VX38Kg8cRv6dW3FkGSR5m9WH9W35KrPN5dz7KFN6B8NrC3qn9gW8wLKSR6lZ3lSW5TQZRT9bX7fJW3LLhVq47sGDKW3lFBH671KW7NW4NQ5M_8L7r-tW7Ft9qW9k0HJqW79CD088p-B6KW609Gcv5L4PmdW37FMLh48FnRFW1_ntC32HccrmW1JDt7Z2n2FNXW95ZYdG7rgjzjV4DMMy5Nl9vKW7vRNQQ5v-XGbW1p1LLj16QwcxN2g6HDQT0gybW6SCzhl7CZMmWW2zJCxd98gcw4W8C5QtK1SYMlpW6kGd2310FWlXVvJD937RWPHDW3Z1tZX2WRSlDW7WYRdH1ldJf-W128D6X3MhM5jW1ClNk8476WLjVWcxnf5MbK1qW3B9z8T7fnD5bW2jCvWw2MqYbhW5l_hMK3wPL-7f6smJxx04), and my Netflix show “[How to Get Rich](113/d586LZ04/VX38Kg8cRv6dW3FkGSR5m9WH9W35KrPN5dz7KFN6B8Nrj3qn9gW7Y8-PT6lZ3lyW78K47J1VL6DsW8t2D783_Ncc5W3_cbD371Sg7mV-Nl5L1Pw1zkW459dMm2zSmYyVvgVrZ963mnwW4QT5G67LBzVgW60934-2nYn5vW8wS_1j7HW1gRW5bypkk82ld43VZ67tp8nX9d2W3mZ4vP1NRD2kW4ldqXC3gNFtpW87Mthb4bS1yyW35d2GN177X9CW8VKXWK7T5lMhW4m7K-h12sXQJW3bZbC64rdL1WVNZC174BsLn1W500ND88RZdJKW68NZtB4FknKzVJd1D75bXK9KW3V4Myf46XbD0W50y_MH8XVDk8W6LNKjv5fpWDRW5lpF4p7nMH1wf8YV3Ll04)” — all aim to get into the psychology of money before anything else. In fact, that’s why I started my site over 20 years ago! [Ramit holding the IWT book] You have read it, haven’t you? Let me show you what I mean… I recently had [Erik and Andrea](113/d586LZ04/VX38Kg8cRv6dW3FkGSR5m9WH9W35KrPN5dz7KFN6B8NrC3qn9gW8wLKSR6lZ3pyW4--bNx8t-xFxVpHXc96xqKcCW4FG1vc4_nQkHW6zSqp48yj01GW2L0H5h2RMt42W2W5jr421PmFqN7z0G06cDh1NW2Y5pbr1GpwcjVsWcB74HJ3VXW25kZTH8lhfQkW3SL53t2gwQf5W44C0wd78T9yGVTLB5G5_LCgfW1LSW6B6V3fGMW5X7Nz03fvt7YW2J9glH8dBmBLW6Qklgv3kLzMsW1g4v_m79ySx-W3tsDmq70rx73W2XjKrz8FvZPYW4t_Ybf7CVnvrN3H9J4rxPC75W79JNNd4NBDnFW579vMM6_sMczW84cTcv5rGhbsW4QTMCD6HkNKpVkph-B3wMVg0W3N-bl89fjbQyf1k_bHs04), ages 44 and 43, on my podcast. They’ve been married 16 years and have three kids. During our conversation, I asked her a question seemingly out of nowhere: “What was the worst food your parents ever made you?” She went on to describe a casserole dish made from scalloped potatoes, green beans, and hot dogs. First of all, as soon as she said “casserole” I immediately knew she grew up in the Midwest. Seriously, what is it with people in the Midwest and casseroles?!?! Second of all…gross! [Ramit making a face GIF] Third, please don’t write to me about your recipes or secrets on making better casseroles. But if you do feel compelled to do so, you can send it to: CulinaryFeedbackThatRamitWillNeverRead@IWillTeachYouToBeRich.com Discarding money behaviors ≠discarding a casserole So I then asked Andrea if she made that dish for her kids. Her immediate answer was “No.” However, with money, she had “inherited” a number of beliefs that she grew up around: - She was afraid of never having enough - She constantly said to her husband, “We can’t afford it,” or “We need to make more” - She always told herself, “If I stop being hypervigilant about money, it’ll all go to S#!T” She knew these thoughts weren’t helpful or constructive. Yet, she couldn’t discard them as easily as she was able to discard that awful casserole. [Podcast screenshot - Andrea and Erik](113/d586LZ04/VX38Kg8cRv6dW3FkGSR5m9WH9W35KrPN5dz7KFN6B8NrC3qn9gW8wLKSR6lZ3pVW5FDJyg1fdZmBW51fmj96t8DWTW3WwvnX2N6_dCW68pp_h1ynXhyN1Bsm9lZ6104W73psNK3tB5dxVR4QWK6DZ9w6W21d_598z_n_JVbKX_h5Z35ZhW65V6vp51xlQLW5mBZQ910YKkFW14Ws3s31Hk34W939KjJ8672mPN559SZpm4wYwW7q8Qq62yVc0CW5G0F5C1F6xW8W38tXLv1kGgGrMQqxybbQcBzN2DKgrbZqCrfW22BlpZ8WpvLQW3c41HF3mty0rW25qlDY2kBbFbW7_tzSv3j-LmGN2ftjbHcc5QZW4R3ZQQ5MMwyyW7Bzdcw8fjlFjW6yCBVQ404XNrW7cvDX-6bwl5xf8WcwGb04) Andrea believed her past behaviors would determine her future. Even worse, if she didn’t stop these beliefs, her three kids would take them into adulthood. And the cycle would likely continue. Kids pick up the slightest behaviors. Even if you don’t talk about it to them, you’re doing 20+ subconscious things that they will see. “That’s what my parents did!” When it comes to money, the default behavior seems to always do what your parents did. For example, someone might have the fear of not having enough for retirement. That’s because they likely grew up around parents who always said “Money’s tight” or “We can’t afford that.” [Ramit living the life] If I based my spending on my childhood, I wouldn’t be living the life I am. Your Rich Life is yours to create! During the hour I spent with Erik and Andrea, we dove into their psychology around money. We also took a look into their [Conscious Spending Plan](113/d586LZ04/VX38Kg8cRv6dW3FkGSR5m9WH9W35KrPN5dz7KFN6B8NrW3qn9gW95jsWP6lZ3kzW29zVxQ2QxgtLW4cP8Bc9cS1qjW6rvGR84cMpc_W393rzb17MVGxW4FxZ8Z7ND75rW1N3tx24KCY1NW2fwNRl8js6QNW3hXKmN5tRLbBW6j_ytP2GLRqPW5Yp-Gx1_47GqW2L3_p510tZnHW1H7_lz8v6DLwW2XyPPK5HFcscN2SrWVrzW7rfW768p_L5B6x8pW70pG9f80yXscW9d7Hgq48vGXTVYQt-51V9HdwW8bsQ_Q7XBmYWW5JnQcD1Zm2hjW9bJNd_88WK0QW4zjpNn29BhNLW8l6RjH4Grhz9N57ZX_w6qjvhW2QFVQ47rX85HN661B5C1xbhSV3fPBl26SHypW8KMdCJ45TfjZW8d9j331h0DYCW5gS4SY9l4hmCf5BF71g04) and how they could stash away more money for investing. So that they could FINALLY start feeling secure about their future. Remember, we don’t invest just for the sake of it. Investing is how real wealth is created. Money you put away today grows with compounding returns over time. Yes, you can get there! What mental blocks do you have around money? Maybe something about Erik and Andrea’s struggles resonate with you. Or maybe you have your own invisible scripts around money you’ve been wanting to tackle. Or perhaps you want to use your money to start living your Rich Life. Whatever the case is, I’d like to invite you to work with me personally. Introducing… [Money Coaching](113/d586LZ04/VX38Kg8cRv6dW3FkGSR5m9WH9W35KrPN5dz7KFN6B8NrW3qn9gW95jsWP6lZ3nNW3-cjZ_83QYX0W82pkFz66rL63W2KY5K28cvhj_W92QyyJ4fNZsMW7p-XCV76B-H8W75w6Yv5wr1jgW6B47_p454WtrW4lwrck8pJhV8W26Z9HG73fsnJW494LX55dnLNMW7WHsSs4QqTQ_W43hPy55CYFjDN7z76Z3V6vQGW4yndCc3BSFSmW4sv7py2Dt6nHW9hVpMW62sq4CV6G1443kDvC2W2mV0lr17m3GNW3J4L7-4r5QFpW1kKldJ95VPXrN4MS2VJHG46XW4p3n0n2mVjDRW6bgjSv44ZlfhW9hgWMx5sPhmqW8c37_p8mHhzsW7LplVQ1BvFd2Vc4XZC3BxhlxW2kTF5c7gV-tSVx9XSt6jmfKVW1sYPjM65R_2-f6WY_X604) This is the only program where you’ll interact with me directly. Think of it like being a guest on my podcast or a subject on my Netflix show. Only you don’t have to do it all in the public eye for millions of people to see. Plus, you get to work with a tight-knit group of people who will be supporting and celebrating your wins every step of the way. [Money Coaching community] Let me walk you through everything you get with [Money Coaching](113/d586LZ04/VX38Kg8cRv6dW3FkGSR5m9WH9W35KrPN5dz7KFN6B8NrW3qn9gW95jsWP6lZ3mvW8P3-WY7qYkFsN9kkHzZD7PhCN4J0P6DYLsZhW4gQ_7D1sB86ZW7Ym5KB3t_CKVW9bv5gX1t7jQpVQh33p7pP9nlW4g2WkH82LxbtW8T_j0R3_J3xPW88158x79NL64W3MKsk87m71vRW1pdM6V8L5Y-yN6JFpmscVPMwW4J_LrH6-MBgsN7Ny_8mfyV0lW8pbsvz3zfwnwW48FNlx6Kl_KGW3MF68s3gZRPkW8Lv2tt17g8xdW2Sctbb32TYHdN7-NWQfmN9W3W8YG_Dp24Y9NWW3C0RB08NT5jLW68kNM56PdZ68W8BbcZT9hJ-QjVXqYKH7QwGH5W2XH2Yg6hHhVZW5qM48r6VMWGcW2VZXr57ppZ9lW6YL80J7rfkq7f2rvH6d04). - The Rich Life system. This is a 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. In these 90-minute sessions, I go deep into “Big Wins” and the psychology of money. It doesn’t matter what income level you’re at right now. The goal is to put down the foundation that will help you grow and live your Rich Life. - The Money Coaching library. These are all the past coaching calls I’ve had with members. If you’re facing an issue, chances are I’ve covered it before, and you can get instant access to it. - The Money Coaching community. Through a private Slack channel, you can share wins, give and receive feedback, and support each other on the way to living your Rich Life. [IMG_0191] [IMG_0192] [IMG_0193] We share our wins in the Money Coaching community. Tackle your money psychology and live your Rich Life Money Coaching gives you proven, continually updated techniques and strategies — so you won’t have to think about what to do next. And built into the system is judgment-free accountability and support. No matter where you are, you can always easily confirm you’re on the right track. There’s no reason to spend another moment worrying over money. Let’s get you on the path to start living your Rich Life today. [Join Money Coaching now](113/d586LZ04/VX38Kg8cRv6dW3FkGSR5m9WH9W35KrPN5dz7KFN6B8NrW3qn9gW95jsWP6lZ3mqW8qR3N85flsF5W93hx2H8mXRlZW6HVbLM3vxM7rW2l6FlQ41vD3KW3hS-5y6QVZR4W123Ryp3PYq5WW8gW0lK8W3DH1W5zgb6l2X4xXhN6-BhBw7zq8PW3dK4lb9d1SJDW4WpPpf2j17v-N99J-3cp1sLSW1X1fy76Mh0hlW3bj-xQ8S4jJpN4_qwclWqn69W425VCM3Hj1CBW49Xx2K8ccvrrN8FNlzCzPhc-W96KzQG5KBh5pW10JJSx3_-JynW53gKcR9gfkcjW94vbgB5b4dvZW3y7mQG8G3p4dW2ZKlQj4X3xQjW76p6s14hDt1GW1Sl7Pz6QkK55W23b6SB22Mm8KN8t4HCDzgVllVpsXCw6V6J5pW4DCDT21sMsVPf17S8wK04) [Ramit Sethi Signature] [Programs →](113/d586LZ04/VX38Kg8cRv6dW3FkGSR5m9WH9W35KrPN5dz7KFN6B8NrC3qn9gW8wLKSR6lZ3lMW71KB7c46d80BVfLsc46K_S63W2M9Jcf6-sJV7W7p6Ky72g8fvGVP6JPn4vjh0-W4_hcfv7hNctcW24trX75wh5XhW4Wkmxs7wXqC8W85J6vc1bwRB2W5hz2M14SW_JyW77tQpR7vS_JKVjhK0f4DLy80W6-tzSG4SdXmCN2nZ-Cp7GGBmW9k6dz33h6rhqW6xd-197wyqndVZGN1-1Bk0xdW8b1zGs7LMrLdVh2xNR4pdqYFW8XQDGg4XnvL-W4xjH_y8jdL29N4009BfBB1MWW7WbDBY5x8hsKW5qbK-c3fs_y4N6KKf_l383lZVhqTKR3J14HcVGs5HT8WhQrJVKmWBS5l9M75f8qmW5b04) [Podcast →](113/d586LZ04/VX38Kg8cRv6dW3FkGSR5m9WH9W35KrPN5dz7KFN6B8NrC3qn9gW8wLKSR6lZ3mKW7QL6xZ7qHhxRW6H3nQd1wvnp8W6ShmJJ7RTwcSW80spby7xwSysW51l_tb8r0BfLVJjf9n4pscnKW4VXgN45KJXK9W1p846q3F6kqqW6F7bJ85N81DxW1c3spV6YQ32PW2V5NnH6m51HVV3hNNZ3J-VgSW8BZgRr7jMvbyW4ZyQrz4-49_LW2-MTqs49hh3sW14rdrt7jYBgwW6g052d6HDm46W6BzL_q4sMzwQW3WyLqJ7k5_rLVjFWj-6fCQnVMhd43NC8j8gW8gBHz68rqLTKW2rCKVn9hyd6KW5JZW-X5xn0vGV6t___6Lv-0nMQd_-MQzyl1W2HP5xk5tjRlYW1_bK2m2LFdsYf2dcHzn04) [Netflix Show →](113/d586LZ04/VX38Kg8cRv6dW3FkGSR5m9WH9W35KrPN5dz7KFN6B8NrC3qn9gW8wLKSR6lZ3m4W4XnGNT2LKFfPW9kJfC26QRPVqVDxrHW4c2ymKW48tLvD6jMlT0W3Gf34Y3fBGGYW49ZSwg25hrH3W581VzL4y-sffW5BBFXY7JnXsBN9bftVjdmzbYN7-XnHfcp8_3W1441vY3JxXmkW44LjbY1Dn6pBW5fYn0_477jSYW6PXDf542n58dW3nhp1r2HDQycW36zf4R8fNY1NW4qQGv3357h58W1x08rf36JDKlN7K8B3c7CqgxN4X697QlS0jmW1BcFHw59X0P5W5twhpN2SWkv_W8hX7LS4LGRHFW3fVXvW3Hl4HnW4ZPX1248PW2_W1gMy2Q71x2tsW18hwtS7MQ8byW3_L0Wx3VBR7wf1J_vh604) [Books →](113/d586LZ04/VX38Kg8cRv6dW3FkGSR5m9WH9W35KrPN5dz7KFN6B8Nrj3qn9gW7Y8-PT6lZ3kNW903d6s2wqs_SW6wqmPt97v-4XW3flD3Q3Z42CcW2jjQnl3dd1QWW5b4hTj3NGDSgVpgDK-3hBw-xVd6Jv06XXdNtW3CdGtS5NgnP0W6fH6c_9731h5W621xZ_3c-2trW5p5_cs7X6rSkW4f4tgy43-ZlHW4ptzKm6k2brLW12DNJP5G2yclW78DMDq5CwH9dW4PW9l32_1SRRW3BsWyg2K_tgBW3gMmGC4ty4j0W4BR-nf1Drf0nVf11tx8hcfGbW2j2lCZ3N277WW5nCb_H1qPMSDW28tBt45YXSFhW3_y39y4NND27W7XdBsq45WrXmW6Z7GsF7xpGhnf31-83T04) [Website →](113/d586LZ04/VX38Kg8cRv6dW3FkGSR5m9WH9W35KrPN5dz7KFN6B8Nrj3qn9gW7Y8-PT6lZ3lFW1P7tqf2lBnDhW8_1mt-7822rfW42nTgq9gxRvqW57PHn17M8LF_W1NLsnq4cNb3pW79w-kF3ccm6KW3sPKY54f_jTfV33yQZ6khc4jW1RSCpD237j9hW3GJfLZ148GR0W8RN8j418KDvYW1l_FJc7L7m6SW7nx4ZY7j6J8HW2pQHfr8h_ZN8W3RPVmy4qvpJZW48V8fd3b-Vb0W2TXssp7m9klFW6qgHqS13x4PtW59fgST31BZL3W3srXb83llTm8W6fFXM76-g4TlN1kwWmv3QC9sW17CZ_l4t94RZW1jrF4s2g-7ByW67XdZQ3vJnFSW8d984m1RycSNf4LLzqd04) [Instagram](113/d586LZ04/VX38Kg8cRv6dW3FkGSR5m9WH9W35KrPN5dz7KFN6B8Nrj3qn9gW7Y8-PT6lZ3mFW3Hry8l3bQb5pMg5Kc3GKqxmW8xdzfd4rJlQlW4sVh4Z7mzGV_W7G3nk54-M-QlW4hr0064xLYN9N4S6hlqdqK70W3kdW3W376CWHW8xY9wc6QfbW2N6MCLp4Fm4LtV9lCcJ8g0qtYW2gg7FL88T_zmW5519LN7C2VM9VqQZS_561Y76W4gS-JX7yRCVbW3HT05S6VLQQYW4xzsr52DnsYQW2cV31W2T9wd_W5_3G3x6bKJv-W1JN_DW35dYYtW2vcS2j2SxHqjW62-4cZ94Q68bW7vVtBy13cy9NW95tt_V95nX4WW28v1fP4dRyhwW5zgthY3rN-ppf85Q0Yx04) [LinkedIn](113/d586LZ04/VX38Kg8cRv6dW3FkGSR5m9WH9W35KrPN5dz7KFN6B8Nrj3qn9gW7Y8-PT6lZ3nVW6rBghP7DL7_nW2h1my41b0kZ3N2jjK6F7BqZ6W2094m83Gh72ZW3tkXQ537ZNhfVLksCf3MpCF3W8xLNh84t5ttgN9cb_pjWWhLXW82yjhN11K4n-W9h-sZ_7JSqXJW7K70Pm5mt9jXN3vRx4CnxT2qVn0w_z1g8drGW3cbFf34dJwG0W96q-8V20MB9-W2GXBs75TSSRKW2PbqZz6zF3t3W10kCRg76xvxjW5W97D_6lVHVsN6Bv_mZCWfNpW7XWggP3QDZzCN346x13wNw2nW8rcFqj5hR327W1_Q4jK1SLD14W2spDWZ3bjr9CW8LVrLb4864c_f84sVmF04) [Twitter](113/d586LZ04/VX38Kg8cRv6dW3FkGSR5m9WH9W35KrPN5dz7KFN6B8Nr03qn9gW7lCdLW6lZ3nmVYNR3q2QL8gzW89xvjY4pjYHvW3DhVPL3XYtDVW3f58HJ1kQPHbVXZWJ28dsWGpW7nM3rD793nYQVJqXFB5Hkr02W8sN3Vj4VPvc4W5CQ4kP763r6qW3PTh5-1fwt3vVxgPMj65Z9sfW6dSvwY5GCnDvW4fMLvx8SFTDnW91yBlj7hBb6xW164LMz7B2TTwW1thdsp5hLksMW1KgTXz327KHZV6nVRM15G40JW88-qgY4NFcFGW1wB3rt5vM94bW2_jyFS39VM2jW1vWDQR5H0S9-W7SmXqB81VrzmW1JZqv_1C_HNQf640-_204) [YouTube](113/d586LZ04/VX38Kg8cRv6dW3FkGSR5m9WH9W35KrPN5dz7KFN6B8Nrj3qn9gW7Y8-PT6lZ3plW6YQCJy8Y3jFkW1lnj5392BC2WW12pYcL6dxlbWW7Sp88P93q39VW70XXdR7SWMSHW5stGZ98hSmvXW14zL1q5p5nK2W8MhmdM3ZxljHN1C4cqmHXjRqW16Qg-B4fmLDZW2Ks3yV5vm-RtW1Pg7VV5KwWBLW8706148QhJdTW69379459VvlqW8q9TD49l3TqcW4JTYhZ3PpqWGW7H_gtZ3FxyRZW8VwbD4490sfkW9cDm5d7FrZHbW7fFLzX80Cq8WW5sXn5_2zKpLWMn5LJ7zF4h2W4K0QCv7dPrJhW6hLrbN4zpXT7N4dDVyrPTzJqW2nFZ284ZT8ycf8VBywF04) Was this forwarded to you? 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