What it’s costing you to stay afraid of money

When I talk to people about money, here are the most common ways they describe To view this email as a web page, [click here]() {NAME}, When I talk to people about money, here are the most common ways they describe it: “Money makes me so anxious.” “I’m constantly stressed out by money.” “Why bother? It’s too late for me anyway.” (What phrases come to mind for you?) [Ramit] But it’s even more revealing when you listen to the ways they talk about money. What people really mean when they talk about money What they say: “What’s my Rich Life? Well, I just want to go on vacation with my kids a couple of times a year, nothing fancy…” What they really mean: Notice those last two words — “nothing fancy.” When people talk about their Rich Lives, they almost always minimize their own dreams. When you’ve spent your entire life worrying about what can go wrong with money, it’s almost impossible to dream. What they say: “How do I KNOW your programs will work?” OR “Will this book work for me if I live in Bolivia and I have a lazy left eye and I only eat mussels on Mondays?” What they really mean: “I have a finite amount of money. If I spend it here, I need to know it will absolutely work, otherwise, I will have wasted my money … and there’s no way for me to ever earn more.” What they say: “Even if I made $250,000/year, I wouldn’t eat out at a nice restaurant like that. What a waste!” What they really mean: “I have never eaten at a place like that, and I don’t want to be the kind of person who 'has' to go there to enjoy food. I’m simple.” (One level deeper: “I’m nervous that if I ate there, I might actually like it. I don’t trust myself to avoid going there every single week and spending all of my money.”) So many of us make day-to-day money decisions, never understanding the “invisible scripts” that actually guide these decisions. And in America, money is driven by FEAR. FEAR that we’ll never have enough. FEAR that we can’t make more of it. And FEAR that someone will judge us for our spending — or even what we want to spend on. I hate this. What fear is costing you (thousands of dollars) Another common fear I encounter is the fear of making a mistake and losing money. Here’s what most people don’t consider: you’re losing money when you don’t take action. For example, every year you wait to start investing, you miss out on thousands of dollars. [How to make $50,000 more than your friends (with less work)] How to make $50,000 more than your friends (with less work) Dan invested for 20 more years than Sally but is behind by $50,000. Meanwhile, Sally has $200,061 in just 10 years. She just started early and continued to invest over time. You can easily lose thousands of dollars by not taking action on your finances. Overcoming fear of money (find someone you can trust) When I first started learning about money, I would have done anything for someone to sit me down and show me exactly what to do. Someone who could point out the Big Wins as well as steer me away from any big mistakes. Someone who literally wrote the bestselling book on taking control of your money. Someone interested in the big picture — a Rich Life — and not just frugality or portfolios or spreadsheets. People have been asking me for financial coaching for years. I'm thrilled to finally be able to provide it. [Money Coaching]() A proven system for overcoming money fear What if instead of stressing about money, you ENJOYED it? What if your money GREW your Rich Life, automatically? What if you could see and track how your life was IMPROVING, month by month? That's exactly what the Rich Life System does for you. [The Rich Life System] The Rich Life System When you join Money Coaching, you’ll get step-by-step help to set up your own Rich Life System. All of the details, exercises, psychology, and tactics you need to take control of your money are included — everything is integrated right into the seven Playbooks: - Design Your Rich Life: How to dream BIG about the life you want - Create Your Rich Life Goals: How to make your Rich Life real - Unlock Your Money Psychology: Rewrite your negative money scripts - Guilt-Free Spending: Enjoy your money without guilt, stress, or confusion - Automate Your Finances: Building a Money Machine that never sleeps - Long-Term Rich Life Savings: Stress-free, hassle-free investing - Manage Your Rich Life: It's YOUR Rich Life. You're in control. To learn more about each Playbook, scroll halfway down [this page](). “Feel Great About Your Money” and 3 other bonuses When you join Money Coaching, you'll also receive four bonuses — my best teaching on money pulled from my other programs. [New: Four bonuses when you join Money Coaching]() New: Four bonuses when you join Money Coaching Bonus #1: Feel Great About Your Money I'll show you how to identify and remove any toxic money beliefs you've been carrying around. You don't have to feel guilty, anxious, or frustrated about your finances ever again! Bonus #2: Money & Relationships How do you discuss money with your friends and family — without negativity? Even if everyone means well, it's not easy. In this bonus, I'll show you how you can build your Rich Life without shutting out everyone else. Bonus #3: Advanced Personal Finance Optimizations What do millionaires know about investing, spending, risk, saving, and freedom that 99% of people don't? With this bonus, I'll take you inside my advanced money management system: - What I invest in (including my actual investment portfolio) - How I protect myself and my money - And how these changed as I got more advanced See my exact asset allocation, the exact funds I use, and most important, the strategy behind WHY I organize my investments this way. Bonus #4: How to Build a Team of Money Experts This last bonus is another ADVANCED money management gift for you. As your net worth grows, I'll show you how to build your own personal finance team to run your Rich Life System for you. See how the game is played at the highest levels! All four of these bonuses are yours — free, my gift to you — for joining Money Coaching today. Stop being afraid of money When you join Money Coaching, you get a complete system to finally solve your money worries. You also get coaching from me. And you join a supportive community of like-minded people dedicated to living their Rich Lives. A Rich Life can be yours — this year and every year after. [Click here to join Money Coaching](). [Signature] P.S. Next Thursday, January 12, I’ll be holding a call for my [Money Coaching]() students. I’m going to share how to use your money to live your Rich Life every month. [Our next coaching call: “The Perfect Year: How to use your money to live your Rich Life every month”]() Our next coaching call: “The Perfect Year: How to use your money to live your Rich Life every month” And when you join Money Coaching, you get access to all previous calls, including: - How an ordinary person can become a millionaire - Do I really need to worry about this? Gas prices, inflation, and more - Where can I find an extra $100, $500, and $1,000 per month? - How Ramit does an Annual Rich Life Review [Click here]() to learn more. WHAT TO DO NEXT Stop being afraid of money. What if instead of stressing about money, you ENJOYED it? What if your money GREW your Rich Life, automatically? What if you could see and track how your life was IMPROVING, month by month? That’s what the Rich Life System does for you. [Click here]() to learn how to stop being afraid of money. [SIGN UP]() Featured Products [Learn how to be your own boss, do what you love, and earn more.]() [What if you woke up EXCITED to go to work? I show you how to achieve it, step by step.]() [Ready-to-use mental frameworks for increased happiness, confidence, & success.]() [No guilt, no excuses, no BS. Just a 6-week program that works. Over 1,000,000 copies sold.]() The I Will Teach You To Be Rich Podcast Raw, unfiltered conversations with real couples: - One partner is $300,000 in debt, but shrugs it off. The other cries at night, anxious about the future. - A couple that’s so worried about money, they feel like they’ll never have enough. They go to a restaurant and order chicken instead of steak to save $10. Their household income: $600,000. - Two parents who feel overwhelmed by work, kids, and debt. When I ask them how they’d describe their lives, they instantly say the same word: “Stuck. ” Listen in to hear real money conversations from behind closed doors today. [Apple Podcasts] [Apple]() [Spotify]() [Google]() [IWT]() Follow Ramit: [insta]() [Twitter]() [twitter]() [youtube]() [Linkedin]() Was this forwarded to you? [Sign up here.]() This email was sent to {EMAIL}. If you no longer wish to receive these emails you may [unsubscribe]( at any time. 548 Market St #89946 San Francisco, CA 94104-5401