I Will Teach You to Be Rich

No Guilt. No Excuses. No B.S. Just a 6-Week Program That Works (Second Edition)
Narrated by: Ramit Sethi
Length: 12 hrs and 8 mins
4.5 out of 5 stars (4,514 ratings)

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Behind the Scenes with Ramit Sethi on I Will Teach You to be Rich

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Publisher's Summary

“A unique voice on money, one singularly attuned to...his generation.” (San Francisco Chronicle

Buy as many lattes as you want. Spend extravagantly on the things you love. Live your rich life instead of tracking every last expense with Ramit Sethi’s simple, powerful, and effective six-week program for gaining control over your finances. 

This isn’t typical advice from a money expert. In this completely updated second edition, Ramit teaches you how to choose long-term investments and the right bank accounts. With his characteristic no-BS perspective, he shows how to squeeze every hidden benefit out of your credit cards. Crush debt and student loans. Learn the exact words to negotiate a raise. Set up an automatic payment system and get on with your life. Plus, new material on overcoming psychological barriers, love and money, new investments options, and real audience stories of how applying Ramit’s principles led to a rich life. 

“Don’t let the breezy, irreverent style of this book fool you. It contains serious advice on personal-finance decisions, from budgeting and savings to spending and investing.” (Burton G. Malkiel, author of A Random Walk Down Wall Street)

PLEASE NOTE: When you purchase this title, the accompanying PDF will be available in your Audible Library along with the audio.

©2009, 2019 Ramit Sethi (P)2019 Audible, Inc.

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What listeners say about I Will Teach You to Be Rich

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    2 out of 5 stars
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NO, IF YOU ARE OLDER OR LOOKING BEYOND BASICS

I was many chapters in waiting to learn something new that I wasn't already doing to some degree. Finally, he mentions that this book is for those who are younger. That's how you get rich...start young. I'm going to listen to the end but it's hard because I'm hearing about tactics and strategies I am familiar with for an extended amount of time.

217 people found this helpful

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Clear game plan

This was a great book! I have been researching the FIRE community and personal finance in general. This book gives some good advice that is in line with Dave Ramsey and other finance personas. But I like some of the different directions he suggest for savings, investments and perspective on spending. I’d recommend this book for someone who is looking to start their journey into personal finance but wants something that is easy to understand.

66 people found this helpful

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Repetitive - should be retitled.

Pros: Book is very insightful about how to create systems to be financially responsible with the money you are already earning / how to grow it incrementally over time. The book needs to be renamed, but I get he's trying to sell the book, however, the title is pretty misleading and should be renamed to "How to be financially responsible"

Cons: However the book has no real answer to getting rich, unless you want the obvious answer — invest your money and save your money over many years with a retirement fund. Ramit constantly talks about how much he hates the advice: "Stop going out for coffee," however the amount of times he brings it up is more than i've actually heard in real life. Basically the book states that the best way to get rich is to get a job that pays you a lot of money / invest & save the extra money. Wow thanks for that amazing information, I didn't know that was the answer.

259 people found this helpful

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where's the beef?

interesting personal stories but other than that there's really not much to it. Personally recommending "The Richest Man in Babylon" versus this.

37 people found this helpful

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Basic money habits

Found this book to be very basic advice on personal finances such as setting up a bank account, opening a credit card, starting a 401k, etc... this might be good for someone who is either right out of school or new to money. Some of the advice though I did not agree with and not sure why it's called a 6 week program. Thought it was also kind of odd to start the first chapter off with using credit cards to earn points for free trips. Although this can be true, this probably is not sound advice for someone who doesn't already know about everything else that is taught in this book. Overall I think the book lacked structure and was repetitive at times which made it boring and just not for me.

34 people found this helpful

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Very specific for USA

The book gives great advice, but it is very USA-specific. Although with some care, main concepts can be applied internationally.

62 people found this helpful

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Really? Be rich?

I appreciate the book and I would like to thank Ramit as writing a book is not easy but there’s a big but. The title of the book is very misleading. Yes you can be rich but I don’t want to wait until I’m 70! Come on dude! Such a waste of time and money. Don’t waste your money. Pls change title!

26 people found this helpful

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He only gets a few things right. Niche reader only

This book is only for young people who have a 9-5 corporate america 401k sort of job. Everyone else, pass on this book.
Pros: Best part he gets right is his section on Credit Cards but you probably don't need this book to find the info. If you know zero about how to use CC's then yes, go for the book. He says Bank of America and Wells Fargo are awful and I agree!! Longterm investment strategies? 100% agree! He also has great showmanship in this book.

Cons: He judges people by how they eat chicken wings? WTH kind of nonsense is that. He also, says people who end sentences with "..." are crazy um...okay, cool... Also, said Financial Advisors are all weirdos and unnecessary. I know plenty of advisors personally and yeah, some are weird but half the people in any sort of industry are weird, including authors.

Plus, not all advisors are out to take you for a ride. Are some? Absolutely! Find a company that holds their advisors to a Fiduciary standards bc they do exist, maybe only a few, but they are out there. (FYI, FINRA enacted a law last year or the year before that ALL advisors have to be held to this standard now so...)And an advisor can really tell you how much money you need to retire, in a FREE consultation.

Also, in what world does the stock mkt give you an 8% return consistently, even during recessions?? I know for a fact there are places you can invest for a tax free return (Yes, TAX FREE interest) at a 5% return which is recession proof. Sounds to good to be true? It's not, but you will need to consult an advisor to set up this unicorn of a strategy.

The author keeps touting reader reviews who said they have saved $100k in I think like 5 or 7 years (Cannot recall exact #) since reading his book and at age 38 are set to retire at 54...um, what? $100k is great, but in retirement might as well be $100 bc that is not even close to what most need.

The author makes plenty of apologies for things he got wrong with his first edition of this book which leads me to wonder, what will he apologize for getting wrong in second edition when he comes out with a third?

(If you are wondering, NO I am not an advisor nor do I work for a firm. I DO however have longterm investments, longterm care insurance, disability, and life etc and if anything happens to me my family is taken care of forever. And yes, you can do all this without working for a Corporate America job)

77 people found this helpful

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Surprised by the negative reviews

I get it that this book is towards the younger crowd and that it teaches the basics, but for someone who has read other financial books and articles, this book was still very helpful. I’m honestly surprised by the negative reviews towards small portions of the book rather than obtaining the full grasp of the book’s messages.

Yes, I knew some of the things Ramit was saying before I listened to the book, but that is not enough for me to put 1 star and call it trash. Also, people call the title misleading because he doesn’t teach how to INSTANTANEOUSLY get rich, which sounds immature if you think about it.

I guess it’s just me but when I read/listen to books I just obtain the information that I didn’t know and keep it moving, instead of complaining about it and call it trash where Ramit has clearly helped a multitude of people with their personal finances.

Anyways, it was a great book. Definitely helped me on some aspects of my life. Highly recommended.

3 people found this helpful

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Great if you are 25

Did not interest me. 35 years ago would have been great advice, but truly only speaks to the young people.

3 people found this helpful

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  • K-Pat
  • 06-30-19

Useless to anyone outside the US

I heard the author on a podcast and felt he presented well, so was interested in this book. I had no idea it was going to be so US specific. Even the software he recommends is useless outside America. My advice would be to avoid if you are one of the vast majority of citizens in the world ie those outside the US!

64 people found this helpful

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  • David
  • 05-21-19

Very specific for USA

Agree with other comments, contains some good principles and no doubt can be of benefit to anyone looking for help and assistance/motivation in improving their financial situation, but a lot of the specific account advice is only relevant to USA. I've double checked and this is not mentioned in the Audible review, should really be included.

82 people found this helpful

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  • mp3s! Not software!
  • 09-22-19

This is totally useless if not in USA

I requested a refund, it should be clearly marked for USA only or not be offered in the uk.

32 people found this helpful

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  • Phil
  • 07-09-19

Absolutely amazed at the popularity of this

It’s terrible. I don’t like saying that - but it is. This book is written for people who have absolutely zero understanding of personal finance. If you’re already sticking to a budget, or investing into a fund, or always making sure you’ve paid off your credit cards, then you’re a few steps ahead of this book.

This aside, it’s also written poorly and Ramit didn’t seem to put any actual effort into the production of this audiobook - sounds like he recorded it on his phone. As others mention, if you’re not in the US about 80% of the book is also redundant.

15 people found this helpful

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  • Anonymous User
  • 03-23-20

Not for Europeans

Did go through it completely. Most of the tips are for USA residents only. Like the guy though. Unfortunately this book is pretty useless for me personally.

5 people found this helpful

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  • Anonymous User
  • 08-28-19

Great read on personal finance

As a 22 year old sarting my career after University, I can honestly say that I believe it has helped me miss probable financial mistakes (saving me thousands, no doubt) especially when it came to investing. Although it may not go in-depth on specific investments I believe it gives an excellent concept of how you should invest your money in different types of investments which in my opinion is more valuable. If like me you had no idea about investing, I recommend the book as a must read. perfect all rounder on personal finances, that teaches you to live the life you want while being money smart in the most easiest passive way.

Being from the UK some of the accounts aren't exactly available here. However there are UK equivalents to the accounts that Ramit talks about such as investment ISA accounts so please don't be put off if you're from the UK. absolutely buzzing with the book and will definitely be referring back to it.

4 people found this helpful

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  • Honest & Informed
  • 03-07-20

Dull

Very American centric and not that useful! I would recommend Tony Robbins unshakeable over this.

2 people found this helpful

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  • mihow
  • 06-03-19

Very basic - Ramit I was expecting more

I have been following Ramit for at least 5-6 years. Good understanding on his philosophy, but I was expecting adv version of IWTYtBR, but instead we got just updated version of the first book.
Funny perhaps how many people would still have to listen to that!

2 people found this helpful

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  • Lucy harding
  • 05-28-19

There are far better books

I was disappointed with this book. Very basic and states the obvious. May be useful information for a student fresh out of university/college.

11 people found this helpful

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  • Amazon Customer
  • 06-07-19

Only finance book you need to read

Got so much value from this book. On regret is not buying it sooner.i feel in control of my finances rather than money controlling me

1 person found this helpful

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  • Anonymous User
  • 07-10-19

Only useful for Americans

Returned the book. Unless you're in America, information is barely helpful & you'll need to skip multiple chapters of drivel.

Australians should buy Barefoot Investor instead. Basic same principles, but relevant & not long winded.

42 people found this helpful

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  • David Findlay
  • 07-25-19

Useful information globally, but American specific

I like Ramit Sethi's approach and message. However for Australian listeners/readers be aware this book spends a lot of time discussing USA specific mechanisms, accounts and investments. There is a lot in the book that is useful everywhere however. I'd recommend The Barefoot Investor for Australia specific stuff and it's a very similar approach to finances.

13 people found this helpful

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  • Amit Bhardwaj
  • 06-05-19

Real advice

It is a great book for people like me who would like to have more organised approach to life in terms of money. Most of us are not financially educated with Ramit's pragmatic approach. It would be great if such kind of vital knowledge becomes mandatory part of the school curriculum.

4 people found this helpful

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  • Danny
  • 10-21-19

Good book but very US centric

Teaches similar philosophy than the barefoot investor. This was very US heavy with Roth IRA and 401k

2 people found this helpful

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  • Anonymous User
  • 09-05-19

Ok for newbies

If you are an investor and are of mature age in control of expenses and credit cards have a great career and income. Then most of this book is not relevant to you. However if you are just starting out in life then this is a good book to get started.

2 people found this helpful

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  • Anonymous User
  • 09-24-19

Not relevant to Australian market

struggled to finish the book as it encourages taking out credit cards to pay for everyday living, and simply says "just pay off your balance in full every month" - yeah that's how people get into debt in the first place.

6 people found this helpful

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  • Manraj
  • 06-13-20

Great Listen

I loved the automation strategies and goal focused approach
Investing was the best chapter and most applicable to me.
But for the average day person paying of credit cards and beating the banks is critical to getting started

1 person found this helpful

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  • Amazon Customer
  • 08-06-19

i dont ever say this; its a must read

this book is so profoundly eye opening that it has inspired me to write a review when 20 something other audiobooks and over 200 hours of listening have not.

anyone who has money in their lives should absolutely read this book. whether youve saved thousands, hundreds, or are in debt, read it.

you will not regret it!

1 person found this helpful

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  • Anonymous User
  • 07-06-20

Amazing

This book is amazing. A must read for everyone. I am a big fan of Ramit's work.

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  • Anonymous User
  • 06-18-20

Great tips!

It’s a long book and not all info applies to Australia, but I took away some amazing money tips for investing and career! Love his attitude!