Honestly - they are unrealistic mantras from folks who clawed their way out of debt by eating ramen every night...trying to teach you to sacrifice your life to save $100 a month.
Not that $100 a month isn't helpful, but strategies need to be realistic.
Enter...
Ramit Sethi
Ramit wrote a no-nonsense book called, I Will Teach You To Be Rich.
This book isn't rocket science, but the approach is refreshing. Despite some tried and true lessons liek: reduce your credit debt, don't pay crazy fees for your bank, etc. the book also provides scripts to help you negotiate everything from your late fees to your salary.
I wish I had this book in my 20s!
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My biggest take away was to consider changing banks from traditional banks, to online banks that offer significantly lower fees, higher interest rates and more convenience.
I like his approach about how living a richer life is different for everyone - to some being rich means having $5 lattes every day...to others it means driving a certain car or living in a certain neighborhood.
We only have one life...might as well make it a rich one.
~Penny
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