The new mindset of the rich

This is a reminder that my course — How to Win the Game of Advanced Personal Finance To view this email as a web page, [click here]() {NAME}, This is a reminder that my course — How to Win the Game of Advanced Personal Finance — is available. If you want to know what millionaires know about investing, spending, risk, saving, and freedom that 99% of people don't, this is for you. This course takes you inside my advanced money management system … - What I invest in (including my asset allocation today) - Who I work with - How I protect myself - Where I spend my money … and most important, how these all changed as I got more advanced. When people dream of making more money, they think of the obvious things. The stuff you can buy, the freedom you'll get, etc. But there are some very subtle mindset changes that happen as you make more money. And it’s stuff that people often don’t talk about. Today, I want to give you a sneak peek at some of the things millionaires know that other people don't: 1. If you have a problem that money can solve, you don’t have a problem. Use your money — that’s what it’s there for. Buy your time back. Hire an expert to teach you how to do something. Or better yet, to do it for you. 2. There’s lots of advice about how to save money — but very little about how to spend it. The great irony is that most of the advice is on saving money — and it isn’t very good at all. You get random internet writers telling you to cut back on lattes so that in 300 million years, you can have $250,000 in your retirement account. You know what’s even rarer? Advice about how to spend. When does it make sense to buy premium? What about luxury? What do other people with your income spend their money on? Where do you learn this? For most people, the answer is nowhere, so at 6 figures of savings, they’re still spending the way they spent as a 22-year-old. 3. Pick an area of your life that you truly love, and use money to have world-class experiences in it. My area is convenience, and I used money to hire a personal chef, an executive assistant, a personal trainer … and more. When you’re intentional about the 1-2 areas of life that you truly love, you can go deep. [We call this concept “Money Dials” in our course on Advanced Personal Finance](). Ramit on the phone Another area of my life I love to go all out on — my business. This pic is of me calling the first student of a product we launched. 4. Surprise: The more successful you become, the less you can afford to do the things you used to. Brian Tracy says, “As I became more successful, I couldn’t afford to do things I used to,” like mowing the lawn. As your earnings increase, your calculus of time vs. money will change. It should. Look to people 1-2 levels above you and study how they live their lives. Chances are, when you reach the same level, you’ll make similar choices. 5. If you find yourself still agonizing over $20 charges while earning 6 figures, you’ve made a mistake. Making money isn’t that hard. But rewriting your inner story — which you’ve calcified and reinforced since childhood — is very difficult. [And it often starts with learning about advanced psychology and techniques on money](). 6. I used to scoff at people flying first class. Now I get it. The biggest lesson I would give to 23-year-old Ramit is to ask why someone who has more money would spend it on a certain suit, or first-class travel, or multi-generational travel. Sometimes the answers are not obvious. Nobody teaches this. Until now. 7. In the old days, “rich” meant some stodgy old guy living in a mansion with lace curtains wearing an ascot. Something like this: Scrooge McDuck I have a different belief: You define your Rich Life. For me, I like going out, I have a personal chef and trainer, and I love traveling with my family. For you, being rich can give you access (behind-the-scenes tours), privacy (walls around your house, after-hours shopping), connection (to other people like you), knowledge (trainers and tutors), and fun (experiences others can’t have). Today’s Rich look and feel different. Take a look in the mirror, {NAME}. You can be today’s Rich, and you can decide how to design your life. 8. Your kids’ experience will be very different from yours. I grew up in a middle-class family with my dad working and my mom staying home with us. We ate out maybe once a month — and usually when we had a coupon. My future kids will have a very different experience. This is something I talk about with my wife and friends all the time. 9. Some things don’t change. Money doesn’t mean everything in your life is gold-plated. I don’t give a shit about eating organic meat or the type of socks I wear. One of my favorite things to spend money on is $8 bottles of hot sauce. If you’re curious, here’s the best one. Dos Toros Habanero Hot Sauce Dos Toros Habanero Hot Sauce 10. It’s OK to buy something because you want it. I have a pair of cashmere sweatpants that I love. The price is absolutely outrageous — and every time I put them on, I love them even more. Not everything has an ROI. 11. The more you accumulate, the fewer people you can talk to about it. The internet is built for people who want to cut back on the amount of grapes they buy to save $0.72/year. It drives me crazy. So where can you turn for help when you have Advanced Personal Finance questions? [This is why I created my course: How to Win the Game of Advanced Personal Finance](). 12. The hedonic treadmill is real. But the advice about it is wrong. The hedonic treadmill — or getting used to increasing amounts of spending — is real. But the answer isn’t to deny its influence. The answer is to acknowledge it. Be thoughtful: If you get a $10,000 raise, save some of it — but take $2,000 of it and spend it on something INCREDIBLE that you’ll always remember. I’d love to show you what I learned along the way, including my systems, who I work with, and how I changed my psychology about money. If you want to learn what millionaires know about investing, spending, risk, saving, and freedom that 99% of people don't, my course, [How to Win the Game of Advanced Personal Finance](), is for you. You’ll discover: - How I use a "Personal CFO" to manage all of my finances — stress-free — without losing control - The psychological changes of managing money at advanced levels, including how I think differently about saving, investing, and spending - Advanced tax optimizations - 30 important life events that present opportunities to optimize taxes and take advantage of investment opportunities - The red flags to watch out for when hiring a CPA or other financial advisor — don't ignore these - How much you should spend on your financial advisors (don't spend more than this!) - How to “lean into” where you want to spend more — whether it’s convenience, luxury, travel, charity, or relationships. Including detailed examples And a lot more. [Check out the full product breakdown here](). I've also included over a dozen bonus worksheets, tools, and templates in How to Win the Game of Advanced Personal Finance to make applying the program fast and easy. And, as always, you’re covered by my no-brainer, 100% money-back guarantee. You’ll have a full 60 days before you have to decide it’s right for you. That’s enough time to work through the entire course — TWICE. Then, if you don’t love it, email me and you’ll get every penny back. [Click here to join How to Win the Game of Advanced Personal Finance]() Signature P.S. If you've taken action on the advice in my book and are ready for "what's next," you owe it to yourself to read this page and decide if [How to Win the Game of Advanced Personal Finance]() is for you. With my 100% money-back guarantee, you can even join the course today, review all the material, and then decide if it's right for you. As my net worth grew, I had to rethink — and rebuild — my approach to personal finance. I've mapped out this Advanced Personal Finance system. It's all in my course. [Join How to Win the Game of Advanced Personal Finance now](). 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