Quick wins -> big wins

Starting your own business is one of my Big Wins. Focusing on Big Wins means To view this email as a web page, [click here]() {NAME}, Starting your own business is one of my [Big Wins](). Focusing on Big Wins means that you’re focused on doing a few important things. But it can be overwhelming to think about doing all of those things at once. That’s why I love using quick wins to gain momentum. I learned this lesson when I was researching [my book](). I bought virtually every personal finance book I could. I also watched people in the money section to see what they were reading and why. I noticed something very interesting. People would pick up a book and start reading it. Invariably, every single money book starts out saying, “You need to figure out what you’re spending, so track all of your spending and write it down, because we’re going to keep a budget.” And what happens next? [Ramit Sethi] They close the book! They put it back on the shelf. Nobody wants to be told to track their spending and keep a budget. Why? Because it makes you feel bad about yourself. And you realize you’re in for a long slog with the book. There’s no quick win. So here’s what I did. In my book, chapter 1 is all about credit cards. Why? We all have credit cards — and we all hate them. But there are some easy, quick wins you can get with a few simple actions. I gave people the exact phone numbers to use to call their credit card company, and I gave them an [exact word-for-word script]() to use to negotiate against their credit card company. Not “You should negotiate.” No! I gave the exact words to use. YOU: Hello, I’d like to lower the APR on my credit card, please. CREDIT CARD REP: Umm… why? YOU: I’ve been a loyal customer for X years. Also, I’ve paid my bill in full and on time for the past few months. I know a few other credit cards offering better rates than what I’m getting right now, and I’d hate for this interest rate to drive me away from your service. What can you do for me? CREDIT CARD REP: Hmm. Let me check…Mr. Sethi, I just discovered that I can lower your rate from 15% to 12%. Will this work? Guess what happens when people read these scripts? They think “Oh, yeah. I got a late fee last month” or “Yeah, my APR is too high.” And they use the phone number right there to make the call, and then they read the script to the customer service rep. And it works! In five minutes, they negotiate their APR down or get a late fee waived. They get a quick win! They realize, “Oh, this stuff actually works.” After a quick win, the next step is to start systematizing and automating those things. For example, I have a reminder in my calendar every 6 months or a year to call my credit card companies and renegotiate. The reminder says something like “Call up credit card company, negotiate fees, and make sure that you're using all the benefits that are offered for you.” Simple! The principle is this: Start with a quick win, something that’s small and easily achievable. Then, use that momentum to build toward big, systematic wins that will last you a long, long time. And like I said earlier, one of the biggest wins you can have is starting your own business. [Earnable]() [Earnable](), my program that shows you how to start your own business, is focused on helping you get quick wins and build momentum. [And Earnable Live takes it to the next level.]() Join your peers and me — LIVE. I’ll push people to come up with business ideas, pitch a product, or sell to a customer — right on a live call with a group of peers watching on. [Earnable community] And it works! [Earnable community]   [Earnable community] [We’re now enrolling the next group into]()[Earnable Live](). Enrollment closes Friday so that we can start working with the next group of students. I hope I’ll see you there! [Click here to find out more about Earnable and Earnable Live]()[.]() [Signature]     You may be new to IWT. Here's all the stuff we offer [Programs]() [Podcast]() [Netflix show]() [Books]() [Check out our website for more]() Follow Ramit [ig]() [fb]() [tw]() [yt]() [pc]() 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