Some of my favorite comebacks

I suck at comebacks. You know when someone says something to you but you don’t To view this email as a web page, [click here]() {NAME}, I suck at comebacks. You know when someone says something to you but you don’t really know what to say back, so you laugh nervously, but two days later you wake up at 4:32 a.m. and have the PERFECT line? This explains why I systematically search for the best comebacks to insults, save them, tag them, and then write an email to hundreds of thousands of people with the best comebacks. Is that weird? Do I care? It’s also a reason why I love social media, though — I have time to come up with an answer, record it, and share it with millions of people. Today, I want to share some of my favorites. My dream is for you to send me yours so we can grow this list together. [TikTok post]() Watch the full video on [TikTok]() or [Instagram]() SITUATION: He says tipping “depends on the service.” COMEBACK: I fucking hate cheap tippers. What he really means is, “I always tip less than 15%. Once a year I’ll tip 15%.” Most people tip the same amount all the time, and it’s not about the service you receive. It’s about you. I fucking hate cheap tippers. (Yes, I said it twice.) [TikTok post]() Watch the full video on [TikTok]() or [Instagram]() SITUATION: People tell me that their grandma bought a house in 1970 for a hundred thousand dollars, just sold it for $900,000, so she made $800,000! Buying a house is the best kind of investing! COMEBACK: Listen closely. First of all, she did not actually make $800,000, because granny forgot to factor in all the expenses that she incurred over those 30, 40, 50 years, including closing costs, interest, taxes, and maintenance. Interest alone can more than double the price of the house. Next, even if you factor in leverage, and the cost of rent she would have paid elsewhere, it’s likely that she still made less than you could make with a simple index fund. Oh, and how about this one? How is she supposed to get the money from it? You're telling me that granny wants to sell her house in the town she's lived in for 50 years and she's going to downsize, even though housing is now even more expensive? What kind of fucking investment is this? Don’t ever come to me with this horrible example. [TikTok post]() Watch the full video on [Instagram]() SITUATION: “Don’t pay your landlord’s mortgage” is one of the most common phrases I hear when people talk about renting vs. buying. “Why should I pay someone else’s mortgage? She’s getting rich off of me! Why shouldn't I get rich? I think I'll just buy my own place!” COMEBACK: That logic is very stupid. Why don't you feel guilty about paying your local restaurant owner’s mortgage? Or the car wash down the street? Why is this argument only applied to real estate? The answer is that this phrase has been engineered so that you feel resentful about your rent and then you go buy a house with all its transaction fees. Guess who profits? The very people who spread that phrase: the mortgage industry and the banking industry. When you go to a restaurant, you’re paying for food and service. When you pay rent, you’re paying for a roof over your head. It is a simple trade of money for services. Do not let the real estate industry fool you. Your turn. Send me your comebacks!! I’m on Twitter (@[ramit]()), Instagram (@[ramit]()), and TikTok (@[ramit.sethi]()). [Signature] P.S. If you think it’s a good idea to listen to financial bros giving you investment advice from their [car]() or their [kitchen]() … I don’t know what to tell you. WHAT TO DO NEXT Start a conversation. Yes, today was about comebacks — bringing the verbal hammer down on conversations you don’t like. But more important is knowing how to start a conversation with someone you DO like. To find out the best ways to do that, [check out my program How to Talk to Anybody](). 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