Rule #4: Spend guilt-free (it’s possible!)

I grew up middle-class as the son of immigrant parents. Vacations meant getting Can't view this email properly? [View in Browser]() {NAME}, I grew up middle-class as the son of immigrant parents. Vacations meant getting into the minivan and driving down to Southern California, where we stayed with family. Once or twice, we took vacations to Disneyland. I remember my dad pulling out a wallet full of coupons and state-employee discounts, just so we could afford those trips. So for the longest time, I believed that spending money on anything of luxury was a waste: Including flying business class, buying nice clothes, or eating at fancy restaurants. But now? These are all part of my Rich Life! Ramit and Cass Business class on all flights over 4 hours. $1,000 cashmere sweaters. Luxury hotels. Do I feel guilty about any of this? Not at all. I cut back in other areas of life that aren’t important to me. For example, I drive a 2005 Honda Accord with a CD player. And I don’t own a home. But on things I love and value, I spend, guilt-free. That’s Money Rule #4: Spend guilt-free on things you love. What messages about money did you get growing up? If you grew up being told “We can’t afford that” or “Money doesn’t grow on trees,” chances are pretty high that you have a significant amount of guilt around spending money. Pause for a moment and ask yourself: What’s something you love spending money on? Don’t judge yourself, answer honestly. Notice what feelings come up. Do you feel guilty? Irresponsible? Something else? This is a signal that you haven’t developed the skill of spending money. (Yes, spending money is a skill. It needs to be learned.) Ramit's Twitter post Constant bargain hunting = a sign you haven’t learned the skill of spending money. That’s why guilt-free spending makes up 20–35% of my conscious spending plan. [Conscious Spending Plan]() I know that making the leap and spending money on things you love can be challenging. It usually means undoing 18+ years of behavior. The guilt always finds a way to creep back in. That’s why tackling the psychology of money is important. Most people say they value relationships, time, and experiences. But if you analyze their spending and habits…well, the results will tell you otherwise. Ramit with family and friends Rich Life moment: I invited my closest friends and family to spend 4 days in Mexico for my 40th birthday. I work with a close-knit group of people each month to unpack these issues and resolve them. We do live Q&As, and they’re also part of a private community. So they share wins, talk about their experiences in detail, and encourage each other. I’d like to invite you to join us! Money Coaching Together, in [Money Coaching](), we’ll define your Rich Life—including what you’d love to spend MORE money on. We’ll break down any barriers you have so you can spend truly guilt-free. Money Coaching group call Wrapping up a Money Coaching group call. And in addition to the monthly call and live Q&As, you’ll get access to the Money Coaching “playbooks,” or step-by-step video guides I designed: - Design Your Rich Life - Create Your Rich Life Goals - Unlock Your Money Psychology - Guilt-Free Spending - Automate Your Finances - Long-Term Rich Life Savings - Manage Your Rich Life - Live Your Rich Life These playbooks are all in the Money Coaching members’ area. They’ll show you how to feel wonderful about spending money on your Rich Life. [Join Money Coaching today]() Tomorrow, I’ll share Money Rule #5. It’ll be counterintuitive to everything you think about money! [Signature] [Programs]() [Podcast]() [Netflix show]() [Books]() [Website]() [IG]() [in]() [X]() [YT]() Was this forwarded to you? [Sign up here](). [Unsubscribe here](. 548 Market St #89946 San Francisco, CA 94104-5401