This is a reminder that my course â 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 â How to Win the Game of Advanced Personal Finance â 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 itâs stuff that people often donât 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 donât have a problem. Use your money â thatâs what itâs 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. Thereâs lots of advice about how to save money â but very little about how to spend it. The great irony is that most of the advice is on saving money â and it isnât 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 whatâs 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, theyâre 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 youâre intentional about the 1-2 areas of life that you truly love, you can go deep. [We call this concept âMoney Dialsâ in our course on Advanced Personal Finance](). Ramit on the phone Another area of my life I love to go all out on â 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, âAs I became more successful, I couldnât afford to do things I used to,â 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, youâll make similar choices. 5. If you find yourself still agonizing over $20 charges while earning 6 figures, youâve made a mistake. Making money isnât that hard. But rewriting your inner story â which youâve calcified and reinforced since childhood â 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, ârichâ 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 canât have). Todayâs Rich look and feel different. Take a look in the mirror, {NAME}. You can be todayâs Rich, and you can decide how to design your life. 8. Your kidsâ 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 â 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 donât change. Money doesnât mean everything in your life is gold-plated. I donât 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 youâre curious, hereâs the best one. Dos Toros Habanero Hot Sauce Dos Toros Habanero Hot Sauce 10. Itâs OK to buy something because you want it. I have a pair of cashmere sweatpants that I love. The price is absolutely outrageous â 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 â or getting used to increasing amounts of spending â is real. But the answer isnât to deny its influence. The answer is to acknowledge it. Be thoughtful: If you get a $10,000 raise, save some of it â but take $2,000 of it and spend it on something INCREDIBLE that youâll always remember. Iâd 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. Youâll discover: - How I use a "Personal CFO" to manage all of my finances â stress-free â 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 â don't ignore these
- How much you should spend on your financial advisors (don't spend more than this!)
- How to âlean intoâ where you want to spend more â whether itâs 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, youâre covered by my no-brainer, 100% money-back guarantee. Youâll have a full 60 days before you have to decide itâs right for you. Thatâs enough time to work through the entire course â TWICE. Then, if you donât love it, email me and youâll 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 â and rebuild â 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](). [I Will Teach You To Be Rich]() X [Growthlab]() This email was sent to {EMAIL}. If you no longer wish to receive these emails you may [unsubscribe]( at any time. I Will Teach You To Be Rich
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