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Ramit Sethi

I Will Teach You to Be Rich

Ramit Sethi

Spend extravagantly on what you love. Cut mercilessly on what you do not.

12,600 people run this system with Flip

The system

5 habits. Copy once, Flip runs them for you.

Conscious spending plan

Budget

Fixed costs 50-60%, investing 10%, savings 5-10%, guilt-free spending the rest.

  • Maps your real spending into the four buckets
  • Shows where fixed costs break the 50-60% target
  • Leaves your guilt-free bucket alone

Automate the whole system

Live alert

Money should move to savings and investments the day you get paid, without willpower.

  • Watches payday for the automatic transfers
  • Confirms savings and investing actually moved
  • Alerts you the payday the automation fails

Money dials

Scan lens

Find the one category you truly love and turn it up; everything else turns down.

  • Finds your top joy category from repeat behavior
  • Flags habit-spending you do not actually love
  • Suggests what to turn up and what to cut

Negotiate the big fixed costs

Reminder

One phone call to your biggest bills beats a year of skipping lattes.

  • Flags bills that crept above last year's price
  • Preps the numbers for the negotiation call
  • Reminds you when renewal windows open

No $3 questions

Live alert

Stop asking $3 questions and start asking $30,000 questions.

  • Ignores the coffee, watches the big levers
  • Flags rent, insurance, and rate decisions worth real money
  • Runs a quarterly review of the $30,000 questions

What Ramit's scan looks for

  • Your four conscious-spending buckets vs his targets
  • Whether savings and investing are automated or manual
  • Bills that crept up since you signed up
  • What you spend on out of habit vs out of love

Running it in real life

12/12

months invested since copying

The scan mapped her spending into the four buckets: fixed costs at 71%, investing manual and skipping months. Flip confirms her payday automation fired, watches bill creep, and leaves her guilt-free bucket alone. She invests every month now.

— Priya, 31 · Earning well, guilty about every purchase anyway

Copy the system, connect your accounts, and see what Ramit would fix.

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