What happens when you make more money

Earlier this week, I shared with you my 12 money rules. Today, I want to share To view this email as a web page, [click here]() [IWT Header] {NAME}, Earlier this week, I shared with you my 12 money rules. Today, I want to share with you a different list of 12 things. 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 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 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 six 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. I call this concept “Money Dials” in my program How to Win the Game of Advanced Personal Finance. [Calling first student of new product] 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 recently 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 six 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: [In the old days of being rich] I have a different belief: You define your Rich Life. For me, I live in California. 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 than 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 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 tacos. [Ramit enjoying tacos] 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 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 amount 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. It’s all in [How to Win the Game of Advanced Personal Finance](). [How to Win the Game of Advance Personal Finance]() The 13 lessons in the program detail every aspect of advanced personal finance: - My Personal CFO — Go inside my “Advanced Personal Finance System” - Advanced personal finance optimizations (you know I love optimizations) - How to reduce your taxes - Grow your investments — What I'm investing in now and how your allocations change as you grow - How to protect your wealth — As your assets grow, this becomes more and more important - Behind the scenes of my personal finance team — See exactly who's in my team, how they work, and how I retain control over everything - A new model for money management — Rethink how you manage your money - The invisible costs of DIY personal finance - How to build your Team of Experts from scratch (and how to customize it for your exact situation) - How to overcome your invisible money scripts — Even high earners and advanced investors have invisible scripts. This lesson shows you the scripts to look out for as your net worth grows (and how to rewrite them) - The best money I ever spent — One surprising secret to advanced money management: it's not just saving and investing. Learning how to spend is important, too - What’s your #1 Money Dial? — This might be my favorite lesson in the whole program. This is a totally new concept we go really deep on - How to use money to live a better life [Click here to join now](). Here’s what you need to know [Get my Advanced Personal Finance System]() and find out what millionaires know about investing, spending, risk, saving, and freedom that 99% of people don't. How to Win the Game of Advanced Personal Finance gives you an insider's look at how high-net-worth individuals manage their money. - This is advanced — we focus on the questions, challenges, and opportunities unique to individuals who have already mastered the basics and want to know "What's next?" - This is fast — we've condensed everything into 13 detailed lessons. Take it at your own pace and revisit whenever you want. - This is practical — we've included worksheets, tools, scripts, case studies, checklists, and quick-start guides to make it easy to apply what you'll learn to your own finances. [Click here]() to learn more. [Signature] P.S. [Click here to learn more]() about my advanced money management system — What I invest in, who I work with, how I protect myself, and what I buy … and how these changed as I got more advanced. In How to Win the Game of Advanced Personal Finance, I reveal what millionaires know about investing, spending, risk, saving, and freedom that 99% of people don't.   [Logo] [insta]() [Twitter]() [twitter]() [youtube]() [Linkedin]() [podcast]() 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 548 Market St #89946 San Francisco, CA 94104-5401