Even if physics was your least favorite subject, I bet you remember the concept of leverage. [Rich Life Insiders Banner](113/d586LZ04/MVvp99fK2shW2cq5pM237myWW6D6W6y5dS7RJN824DzK3qn9gW7Y8-PT6lZ3kCW2fZQ1y6ftDdvW3rhQln8jCD96W4vZjN-1Z88rwW17BXnm44NxVqW2tXSlk4fYSZSW9h-PSw7xWrsNW7B-f1s69h40nW77k0T_3mG34mW7M0ddN8-kXLpW83LkPP5nY_f6W5H5KmN13Ffp0W87x09G7tSKJzW5Wkj2x5v_4_dW9bVSDK9l7FJXW4Tx0Mq8NxDfgN51N-rQ923_5W5774Qx1gqPmFN8SfjFRWMXJrW2D5k0r8p9P_-W501zy54dSJycW2cxbsG8Kpkp9W278wW74t_DVXW1pbR0w8HCs9kW192TQr2FTLL4W3TbJ9d4jwS_YW2NRlRt8H60CDcCZ9T04) {NAME}, Howâd you do in physics at school? [Ramit during his school graduation] This guy did great. Even if physics was your least favorite subject, I bet you remember the concept of leverage. Basically, a lever amplifies the effort you put in. Leverage gives you an advantage â both physically, when youâre doing something like jacking up a car, and in life, when youâre deciding how to make the best use of your time, energy, and money. Today, Iâll show you 3 money levers and how to use them to create bigger financial advantages for yourself. Lever 1: Automation You know what fails all the time? Willpower. You know what doesnât fail? Automation. If you struggle to save, if you find yourself spending money as soon as it comes in, if you have a plan to address your debt, but life keeps getting in the wayâ¦the answer is automation. [Podcast_No savings but we bought our kid a $500 toy](113/d586LZ04/MVvp99fK2shW2cq5pM237myWW6D6W6y5dS7RJN824DBj3qn9gW95jsWP6lZ3lMW5DxNLk8Rf7ZJW7YdTKG5cS7c4W65mZML3Sl52JW3BKnNr2DJDgDW6NhW8G3C9Dz7W8jMWmp92Rq_sW8vr3vk1BM_PBW6GhwMc6XcfSNW1VBk8j7Rb8w-W6zR-x_5mMkgqW8Dnfm93jh3hlW6GvBRX6GQ4qzW3tp1vB52QTn1W6c2d1789lr2gW2XnkLc1Y_b8PW1mT_Sb2P534PW5hlJHR4MqBMYW5FlWlj820zSnVWZz-n4dzsZxW6v2HjK8m5QSlW7R31Lt31MyMbW70BwLl7DyTKTW8wNmZ695ww2rW8qTc-14W7FxtW3SR_fJ1JgZ_FW4bsYcs4Ng4MrW8C4Fv_7W9v71W5ZM-nt5X24wyW858cH41ktCybN4W2fqMdjMG7f5cJSXg04) Elizabeth and Jonathanâs fixed costs were at a staggering 99%. [Watch this podcast episode](113/d586LZ04/MVvp99fK2shW2cq5pM237myWW6D6W6y5dS7RJN824DBj3qn9gW95jsWP6lZ3kSW26wmjz7MSKc8W8_8Rx72gf5dhW7dZ9t93sQ1DYW7jkPnf66zhlkVQt34t76PwFWW2mWsKw6T17bZN7NWVn0g6GcGW5gskYK27Vh_4W2b4p9R6D-FGMW8VM60p3M9D26W5Q4kGz5sVSgNW8Ndc8d29QwyyW2jZxJ18NGrZkW3rtzpt6h9j2jN2s6VfWS6hVZW7jMh8H326_fZW5c6q7G9hSw31W41clyc3v3GBQW7D-5Zr8ddVkdW1jcHT66jjJC2W6PQr-g1--lbwW6FDWTG4zbcFhW6dsVqC46B2n9W8K66jV7mZKQQW5-HXNR5YjslqW7cLlyw7MtZg2W6z9rD38PQvd-W3fcVSW928wrzW7CfvgL3THqlqN1pVkSbgG-7Mf23T0qx04) to hear my recommendations for them. Why does automation work? Because MONEY IS EMOTIONAL! Itâs way too easy to emotionally rationalize expense after expense, even when you know you shouldnât be spending. Rationalizing a purchase often sounds like: - âWe need thisâ
- âItâs going on sale, so Iâm actually saving moneyâ
- âI had a hard dayâ
- âI want the kids to have a special Christmas/Hanukkah/birthday/total solar eclipseâ Of course all of this feels important! Taking care of yourself and your family IS important. â¦but so is taking care of your finances. So you can relax, knowing that your bills are paid and youâre saving for the future. Automating the saving and investment processes takes emotion out of the equation. [Hereâs exactly how to set up your automated money machine](113/d586LZ04/MVvp99fK2shW2cq5pM237myWW6D6W6y5dS7RJN824DyR5nXHsW69t95C6lZ3mqW7wJ5k02tDV4WVh8kyB5CDzYTW31PpfR6FQJTfW8rnpmh1F_NqZN5kc_Vv9WfZxW7kgRDg25PRnLW285dHt45__hjW5mCsp76pXL3wW9dF9R990Gk34W8NQDgs5_WxfgVGl55-2NjBvgVm0R3V8h2cNGVlxpvP7T49d0W3H5Xn92hFvhyW3m2pQv1sk39mN89b5SQhRq2_W4Z88Dw4Hs3llW1xxb1m1MJzJlVbh18n2k__2wW6HM4xj6Ghv2sW50-yF86Wxg8wW1pVxNJ2NLWPSW34Xp2h2skwk-W2BtjXj5xybbNW14hgdy4y70Q4W837f431Psk50V2KJbW99Sx_DW9ftBD15Xq5KcW5QlwgF8Py5xMW4FxX204vfQBPN9c4gKJGklPKW3s3hx-4PkMgtW14J-pN7P4SmQW1HZd-84klrcKW7BQHvK9kdBYBN4gyP6LQ_XPff65b36j04). [Ramit's post about parents asking to open 529 for their kid] Automate your savings and investments first. Itâs like putting on your own oxygen mask first. Lever 2: Compound interest Automating your finances gives you peace of mind that things are getting prioritized and paid as they should. But the most exciting part of your automated money machine is your investment account. Thatâs where your money starts to make more money, thanks to compound interest. I LOVE compound interest. Youâre telling me all I have to do is throw a little money in some boring index funds, and Iâll earn interest not just on the principal, but on the interest too?? Sign me up! Sure, compound interest might sound boring and complicated, which is not most peopleâs idea of a good time. But donât let the name keep you from [learning more about how it works](113/d586LZ04/MVvp99fK2shW2cq5pM237myWW6D6W6y5dS7RJN824DyR5nXHsW69t95C6lZ3p_W8FpjjL99XrprN8c5BwZBtcdCMDX3ljlNW7XW44Kmvd8kP0DsW1vlGGW5XBRRmW8rfDyT8K-Bf3W3WhWM260L2FfW3JC3xb3VH4hnW4gQg021rq4pGN2NrWFD7lyXgW2dkybL3kbRYlVvk5C674vxrHW8XQg9Q8qfyL0W2lHrR08ck0BFW2sDrm337X29FW5nBjtk5THtmkW5s2JmB4HXlKvW10YGYv3gHM8QW92bSKn8mN7TbW1Fc62d5hYCMpW1V_YmQ8fSvMbW8cDSYm6W3jXrW21dqFb7WsTDlW3bK_7749PZ62W1Hxmqd3lwPN5W6trlF-2qd2PjW5k79p6103h_wW2zY25j8L49f-W4sVqHL3DkcGhW4W1V9r3Yr1w-W8KMkX_3j-8zRW10YVsL4jvxFFW3tC2Tc3XcJMTW3q6PzB3bg6_fW1Pj3zw2hD_DsW3Jyh9G7ZGnhNf830pYj04) â because the earlier your money starts compounding, the larger your investments will grow. [Ramit's post on compound interest bootcamp for kids] When this kid gets a little older, he can read [Chapters 3, 6, and 7 in my book](113/d586LZ04/MVvp99fK2shW2cq5pM237myWW6D6W6y5dS7RJN824DB03qn9gW8wLKSR6lZ3lRW6ly7D398RbbtW3wzbLc7tJq2-W92TW4S4K7QgnN7PNqR8FLBLFW8s5BfB1PjxW_W7sDBt21qq-bNW3y74_z6H1cbhW7Yyhmp9d2fPDW2-H9MJ5fP0HKW2nXRH67YL1qvW9jK_tS8blWfFW621QVd4klBQ1W3n7Rz73n2_XnW7k8WDg4Trs_8VXqQ_q37Jr2xW2WJlT73t2QRlN308KKbXS0xKW5GdzFw2Yz0vQW2HTNlp6kNPQ2W91Rfpy8LbRYpW7d9JW72DKL2VW4bYFPT59kKdTMrdfLbLMz2GW3dglkX7Lns7TW3cLmx-1rgRhbV77zQl6YHF0yW5N-QXl8tZlQHW1MkCP32hTGHhf7t4Yrg04). Lever 3: Your unique talents, skills, and experience If you want to earn more money, you have a couple options. You can get a raise or a new job (I recommend using my [Find Your Dream Job program](113/d586LZ04/MVvp99fK2shW2cq5pM237myWW6D6W6y5dS7RJN824DBj3qn9gW95jsWP6lZ3phW7_TDBN2Mvh0lW53Yz4Z8zhtDPW3Kx4lX8lzwJ2W7QfNm53WZkpsW3V14pF3CRXCnW6LggYr3y7wrGVHgZSD2NhZDtW3dwtGq8Y6ScmW5-krSl7wVhs8N86KNv-mS3_gW126PwY82VXHpW3BSMwh6zwdphW3jBhSG8c05RsW4gxX0F3zZNk0N4C-VZcqw_ksW5pc-DH8sK4vFW6NbKdD4Dqb9RW1llsCn4sdflYW4cjzHd4RdLPlW2WtNPz63hzdwW5j7vLw6sn9CvW1K6bF5720Xv6W2LxT384TySQRW82CsLR3TCnCFW5Nq9qd8Qj1TTW6mQ19_3kcR27W6tC1Yr5wRszpW7tm6gN2Cnr4hW8L9pRS3l6c5QW8jFW193v0zx5dFFHMW04) to learn how to negotiate â including how to respond to the buzz-killing phrase âItâs just not in the budget right nowâ). Or you can start your own business by finding, testing, and proving your profitable business ideaâ¦based on skills and experiences you already have. Starting your own business can help you climb the [ladder of freedom](113/d586LZ04/MVvp99fK2shW2cq5pM237myWW6D6W6y5dS7RJN824DBj3qn9gW95jsWP6lZ3mGW4wz7tm3s10snN1NlZWdGjCDRW4432ly1wFJKtN6cGRDW4SpfNVtz6zr5HR3B3W5kHYH44wFF08N6JffhZZ7Dm4W1FQx8J7p-MYCVmz-CX6WGqGQW6tb46z4VrxD-W1493Sr5Jyyw9W6TkJ7_14xLD2W7jY8gc6YRT-lW3-SRkL74bmLpVRtvM_6fLJ_4W4z6yQ26NyxjjW6Jbfhq3fDnTxW91jSG53H8pcxN2Plq63nBTC3W3Znrky5S5pFDW5R5KWZ5Ly5KWW901bzQ5SjnhyN2Nnth2hFHPSW9hxJzN89cw-zW4wLhmq6xHrGBW3_qkFd8rLTfHW2nLq9z4V8QM4W4VNs5z1c2yT-W7_5NPy5ZHXr8W3dY-rm7Fqq5Rf5ZR33204). It can give you flexibility. And it opens the potential for you to earn $1,000, $5,000, or even $10,000 more every month. More than 15,000 IWT students have validated their profitable idea, started their business, and pulled the lever for big change in their lives. And they did it through my business-building process. If you want to join them, catch me this Monday evening on Zoom â Iâll be sharing my top 5 rules for creating a 6-figure business. [Reserve your spot here](113/d586LZ04/MVvp99fK2shW2cq5pM237myWW6D6W6y5dS7RJN824DBj3qn9gW95jsWP6lZ3nfW7bHz7F6DTQsCW8S2J248fRTjyW5vBP-m6FH9jgW5LKXvX8QbWKsW50bvR92Ff-yYW6bY6zN2YTCjxW7c9MKW2fRFSHW7_d-TW8QX_myW91W2Jj5fjRfCW7KyLL45s7zspN2CMdp-KyDj1W6XvZs05lyj5_V1Kvzp7-_rYWW7B3ZTv22MHZMW4rKVRP1T-whGW6lBM9x66G0QVW7XX3-H6nzmLGW4dK9hm3XwVn7W6wXT74938FFRW75m5VC4-5HJ1W7C2MTv2dywt_W60NYDR8fb7FTW1T3J7P8M9vjSW532hGK6kQZ73W1DQRGK6hbTClW6NNcSQ1l2QbCW50tl-52x--rKW5nl0YC3nplJmW4BpJfR76Zb1YW71pCpq1MMhnwf6jR15T04). [5 rules for creating a 6-figure business](113/d586LZ04/MVvp99fK2shW2cq5pM237myWW6D6W6y5dS7RJN824DB03qn9gW8wLKSR6lZ3pcV8q9GB38_dXVW845srN3TpsJHW9fJ_7-85kb8lN4W9f2TVJj8_W7pfgTm6gKZsCW3tK5QZ9cj3cRN2H-LRkhpRbbW7NJqfc9fK6qTW7NzbvJ2LJXXmW1sl2k728pg-4W7Q81tH34yPYDW2lx0xc55DrNHW6hMJvq6-CKzyW899CM_7NmP7lN3wcFjfxW7KlW1TYfhX32_pXfW1pT_K59jd_cRW6TKXcH2pnrQPW38LKXM2Y4nzMW7sDb6w5KW-DxW8DLVt114gHkLW9bnQGk6YmJtcN4X-Qc4wXKn8W76_Srv92q0y8W7vsQTL2j43yyW1D1v138KMwWmW50X01N40gdYQW4pKdss5qqGSxf762_sd04) [SAVE MY SPOT](113/d586LZ04/MVvp99fK2shW2cq5pM237myWW6D6W6y5dS7RJN824DBj3qn9gW95jsWP6lZ3mpW3pQLL65y9cXxW2K-FXj5p9tzcW23Z1Vk3pxw98VGZDzd2y0_47W1xbmJs5dFSfyW6n9lCD3P1Hm_N4qYFpqZJpQBW7bzCgh71sZdGW3Gbj_N775GyDW2b-chB8rhDf8N2Zs40wy6V3wW5lRS_k4mzNS5W3Rw9xh4FzR7nN2_GWCxcFmy3W6VBwKq4hTWyWW6Gny972B6MWpW2jb5_95-2g7bW4JzfmS47F48FW98_zjs1RKpHzW5V75843CkDpbN6NnqnBMrlFKW32cxc96q6wSRW8q6jYJ1nM0WkW2828dH8JqZKfW39pqWY8Z6HZDW2YKrFS5pcxmrW7tYrYV566CLhW2h0zX15s4GxkW1SkDB22G3cwmW6j99G82V1DyJf2LxLVb04) This free session wonât be recorded, so the only way to see it is to show up Monday. See you there, [Ramit Sethi Signature] P.S. One non-obvious thing about earning more money: When you earn more, your fixed expenses fall disproportionately. You can double your income, but you probably wonât double the amount you spend on toothpaste or bread. That means the percentage of your income you spend on fixed costs WILL go down. Even if you buy the fanciest bread you can find, your grocery cost wonât double. This is why earning more money is so incredibly powerful. Itâs a lever that allows you to save more, invest more, and even spend more on the things you love. P.P.S. Last month, I hosted a live event in NYC. It was amazing! We talked to couples about their money psychology, live on stage, and the whole room was cheering them on as they shared their money challenges and wins. Thereâs nothing that beats coming together in-person. Thatâs why Iâm excited to host two more live events in June: - June 1: Philadelphia, PA. [Purchase tickets here](113/d586LZ04/MVvp99fK2shW2cq5pM237myWW6D6W6y5dS7RJN824Dyx5nXHsW5BWr2F6lZ3p8W2bKFcr8nPNQmVnmZGy6sYr6rW1vPWhT3BBVM5W3w_8fp6DCN6MW407sF07pPj29W7PcnNM3_c-HpW3j-D9-4c5TLvW2yK5LK7RBWC-W1kRGPp5cNPTGW6HpqNW2NzG9yVCXKZb7GxMpGW1BbT7m6hdzzbW6r9zj28vmXWYW1NT5Lc83gQF1W3xzCGx2RM35yW2cx_S67d5BmlW9dH6gB36w84SW2Rjbth5_0MYmW1LSm-p3p3MV3W8x83Mq4PtTLZW3xpt797CbGsnVf9Skx49G2vjW27kTQc47Lcc8W8sCXwX1zQjYYW6J68Bb8_-CS-W6qVPMy5nlSMLW60D9tT4nvWBjW3Ylxnb3G6ly9N71XKl4lBc85VhYb-V8jqYzSW7WWbZ-5M-h7FW7_s37T6DkznqW3g6tq33lGQwvW5TzWQp7WbQ5Mf2vF-Qg04).
- June 4: Boston, MA. [Purchase tickets here](113/d586LZ04/MVvp99fK2shW2cq5pM237myWW6D6W6y5dS7RJN824Dyx5nXHsW5BWr2F6lZ3k_W7HDYLH7cBp80W3vGTHf6zMZp-W5XL4g25mlVm-W5MZztk33Tlv4VdB2Px6X7RKtW9djqwm7-pNV9W3GmXYs6sjfPPW3TCwQ81QB8KWW4DP-xQ7XGDWSW2kvDD12CHtlBW8JNM6d7_08N6W8vjkyB5M7VW3W3Nm8Wf5f4_q7W1LdBRv7wYYxpW6t9N_y27QL_xW34kv3_2vJ8hTW7q3hfy8dzK2qW7n5_t598Zc0LW1gF2mF3vzhLYW8MfC7S6wKP8yVHvK5Y9gR5gvW3DbZH39flDHsW69Gdmc4gz76MW1XvXgF2ckj8gW8JlLw337gThNW4YtJ_T8BymZtN3KSLNNCtfB2W2LpCxS4X834ZW34sbWQ1_cFN0W7QtbKy7TcGkbW3tD60g1gr9SbW36hrjD9gK79hW4j9y667vP-Z3W3Vzlf37DR09Nf4wTBG204). Seats are filling up fast, so get your tickets today. Hope to see you there! [Programs â](113/d586LZ04/MVvp99fK2shW2cq5pM237myWW6D6W6y5dS7RJN824DB03qn9gW8wLKSR6lZ3p0VMShB91qBjPVW8jf0FV7g6mZ-W5mPywm2bqgFrW5LQCSG39-mDcN4_9N65zsC-cW5TZmCq360qf6W81pLS64fFHN4W8l_5Gd7vyp5WW8cK1kr8j4JtYW1PDqky3FWQHFW8YBv6r9jHp5RW3wxF6C8MJV_lW5l1-yk4ngsrvW11Cc-y7d_wMPVcGm2S2DPNt_W1KTWvx2s7FNLW5q12-f39X8kpW75z9s47WNr6bW6N_kyM2JwWcgW8Q7QWy7sG4f6W5jHtP18yg6RYW7-9ZvD89Tp8SN9f5zHgf9kRPV1ybKW1c1K7bVpfTw76qJgW-W4WWhpN6WyZlMN8PlDm4zq1_qW3QBqCB5LwV7cdKGM3q04) [Podcast â](113/d586LZ04/MVvp99fK2shW2cq5pM237myWW6D6W6y5dS7RJN824DB03qn9gW8wLKSR6lZ3p9W7_-9Dq5wxn6sW3S5F1S5kmlj6W4hjCjX2NN1qQW8WhBd642Ftr_W17srY77Mrh60W837C_02YWBc9W2t_J-d6vTd3mW6wS05q4Nb_LsVPkWnW5GWKCVW1mlDQZ7ZKNfSW1HNg4_96LyJRW7dSRX21S44jKW7c-_zc2cMYBXN5b8dj-kJtV5V1JNK97CX5RbW695hbx3R1v0PN8-qY82rDMvvW1n-Mtg8bX48NW6MYHyB1vZDkJW56JBRp74MNvcW8QNqhV2yyKFNW8B8LzM4dK6byW6lLVTF53X1SmW6MYx3Q71mn--W1xJJvy1BL1krW82g_R58RBFWcVS6f2Q3QSg4WW3d3-XN4NrY-7f8B-tXq04) [Netflix Show â](113/d586LZ04/MVvp99fK2shW2cq5pM237myWW6D6W6y5dS7RJN824DB03qn9gW8wLKSR6lZ3nRW6wVlYb8s2wNbW8m2F7c8gPBRKW7VL5pK8kplBkN3V_5MSpBJ8_W67RJFz5yPxXGV7GFKh824WPbW8ps21_5ZRt7rW7HTC_m6Q9238W1YrM-31jP1BHW19TBhS6sP7_cW2yYXW760mhzjW8fKFqz1Q1C_kW5g0ZN92QdJqHW8cDRC74yHv1vW8G3w8S1RkhftW7Qqv1L23bfgfW4YZP6T8qk4fKW54nN893YGBV4W9k4T3J1NrGQjW5h21GZ57HTJnW1MkCLl6gfQVHW7-0V_t1SV1tcW3ygcM51cSlHSW56N2Jm5kJkP5W2RPgF923f33nW6MFR-w5MbVQGVds3DL8Cb2gWW5hJY7n6GbfrWf5dx-2404) [Books â](113/d586LZ04/MVvp99fK2shW2cq5pM237myWW6D6W6y5dS7RJN824DB03qn9gW8wLKSR6lZ3nlN3Tqf7mbbhb0W5kd7p61hbTK5W3DKmzV7KC-njN3FsgvcNltKzW7Y0PML8CTjM7W8xh8Rz8bFW4SW3MMvL43kth7WW1nmD5V8qGcvCW8N1MSG71v6HLW15tlrZ2wyglcW5mNhNP3LS1S5W2Y52qn7fdFtvN44MqwWwGpFTW3BJCw36V3_t4W6wWtJ02hM2mFW8kTh-p7ldKf7W4JMMlF4cpxWNW66ySMN5q-p_qVqKWNK220lfhW6gPL-w7-YqCMW80YF7V4x28pbW1lq9xC5Ncdw-W7Ph9Z76sgvd4Vj12bz5V1-VMVWHxF14XzR0GW5JLzks5dct0fW13LcNZ6734wRW8rdlNx5CQd-sf7zgw3204) [Website â](113/d586LZ04/MVvp99fK2shW2cq5pM237myWW6D6W6y5dS7RJN824DzK3qn9gW7Y8-PT6lZ3nPN8n5C4mSkQ3LW3lTHwL3G27McW7xr2mC794h8KW6tvgVf2m1wh4W6hKVcc899LwKW8C725F7YZW6pW2FdKfN94GyyhW1CmKfm7zsQlGW4gwGDn8YHX4MW7JRBHZ5F2fd9W42Zv767N2WWXW1dfk8t2zpglDW630V2Z7wbgKqW9kGzsy17L7DcVS06187mT5zfW813rHX68BjcYW2fF7Wm5YHGYFW5j4HV03nDzyDW7Lm9gl1Sq2qZW8DzXdG38WH49V8nmC_7kjlfgW2fplHz3FXfhwW4jM85m3SD04bW5G1yYb2Cml8QW11hX9S59gm9DVkRZ292svDFhf2K-rVv04) [Instagram](113/d586LZ04/MVvp99fK2shW2cq5pM237myWW6D6W6y5dS7RJN824DzK3qn9gW7Y8-PT6lZ3nVW3r-fkq7M9L4pW7mwWb77h8b8LW6l22t_1r6rkRW7-XMh141bY_mN8rQqp2ptffVW29rwCc8P4_g4W8zsqvz8RqFSqN24T8RHjjX-pW7TQ-Sm4w4zLfW87v0658sNqvfVGdzmc3r1lDPW7t0V-n46wZYbW29RHWK1RLXyKW5w-m9K4_gvrlW7mMpny2jvbpVW86FgqX83Vh3hW94BVwt5by3dhW3G_YmP81wPR2N4mwTCPp2-pBW47xg8W934FYcW4y-_6q1MgLc_W9c22C34K0XnnN4VjTNWdP0r-W2PZXtM5fNd5SW4vL5yv9l7NksW6KXpjT5cHgdHf3Mzq-004)
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