{NAME}, dream bigger in 2024

What do you dream about accomplishing in 2024? What truly matters to you? Can't view this email properly? [View in Browser]() {NAME}, I’m curious: What do you dream about accomplishing in 2024? Please, don’t say “lose 10 pounds.” Or the even more nebulous “live life to fullest.” (What does that even mean?) Reflect on what truly matters to you. What Big Wins do you daydream about? And what steps will you take to make them real this year? I love hearing about my students’ Big Wins. Like Madison and Joe, who made MAJOR financial moves in 2023: Students' big wins Madison and Joe are part of the Money Coaching community. More on that below. Your Big Wins are possible, too Personally, it’s going to be tough to top my resolutions from last year. In 2023, so many of my lifelong dreams came true: - I secretly spent a month in India, Italy, and Mexico...while I worked only 1 hour per week. My business hummed along while I relaxed. Ramit riding a car Considering trading in my 18-year-old Honda Accord for this. - I launched my Netflix show, [How To Get Rich](). I got to travel around the U.S. and help 12 people — and viewers across America! — slash debt, plan for retirement, and break free from psychological barriers to wealth. How to Get Rich cast The cast of How To Get Rich - And one of my favorite accomplishments ever…I passed the 100-episode mark of [my podcast](). A decade ago, any one of these goals would’ve seemed impossible. But now, they’re part of my Rich Life. {NAME}, what does your Rich Life look like? Wiping out $100,000 of student loan debt? Cruising around enchanting islands off the coast of Cancun in a motorboat? Growing your net worth by $50,000? If you think these Big Wins are impossible, think again. They’re within your reach. And for the next week, we’ll be talking about how you can grab them. One of the worst money decisions people make To start, let’s clear something up: Usually, people don’t willingly go into debt. Debt is the result of how they think about money… Money is the reason why we: - Say “yes” to a job we dread. - Move to a different city, even though we want to live closer to friends or family. - Take vacations (or don’t). Money is personal. It can stir up uncomfortable feelings. So a lot of people don’t like talking — or even THINKING — about money. …and that’s how they end up making one of the worst financial decisions: They hire a financial advisor. Think I’m being dramatic? Well… Most financial advisors aren’t legally required to put your interests first. Consider how insane that statement is. You expect a doctor to take care of you, right? Because they took the Hippocratic oath. But nothing is stopping a financial advisor from asking for an unreasonable fee percentage that eats away at your returns. Recent podcast guests of mine — [Jeff and Susan, a married couple]() — didn’t know that. Despite the fact that Jeff is a specialized surgeon, and the family earns $655,000 a year, they still felt broke. [Podcast]() How is that possible? You guessed it. They were being taken advantage of by a percentage-based financial advisor. (If you’ve seen my [Netflix show](), you know I tackled this issue with my friend Natalie. She was paying millions of dollars right into her advisor’s pocket…all in fees.) Ramit's real money tips Susan and Jeff were paying their financial accountant 1.24%. If that doesn’t sound like a lot to you, let’s do the math. With the size of their account, fast-forwarding 35 years, wanna guess how much money they would’ve missed out on? A. $20,000 B. $50,000 C. $100,000 D. $863,000 If you said “D” — ding ding ding! — you’re right. $863,000 is a fortune. That’s almost a full retirement. That’s taking a year off and not caring. That’s a Big Win, ripped right out from under you. For most people, there’s no need to pay an advisor hundreds of thousands of dollars in fees. You can get assertive about your finances. You can say, “You know what? I think I can do this on my own.” And now that we’re in the New Year… This is your moment Remember that Big Win I asked you to think about, at the beginning of this email? You can make a New Year's Resolution that funds that Big Win. I’ve already given you the resources to make it happen: through my [book](), [podcast](), and interviews like [this recent one with Moneywise](). But if you could use some more support from a community of like-minded people, it’s here for you. When you join my program [Money Coaching](), I’ll show you the exact systems and psychological frameworks I use to live my Rich Life. Just like I did in this email, I’ll show you the psychology behind why many people don’t take control of their money. Plus, how you can overcome those barriers in as little as two weeks. And I’m really excited to share that this week, I’m offering 10% off annual subscriptions to my [Money Coaching]() program in 2024. Just use the code MC10OFF at checkout. Money Coaching [Use the code MC10OFF at checkout for 10% off]() (annual subscriptions only) In [Money Coaching](), I show you the exact steps to take — so you can start living smarter, wealthier, and happier this year. [Click here]() to save your seat in the program, {NAME}. Let’s make 2024 a game-changing year together. [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