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I Will Teach You to Be Rich: No Guilt. No Excuses. No BS. Just a 6-Week Program That Works
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I Will Teach You to Be Rich: No Guilt. No Excuses. No BS. Just a 6-Week Program That Works

4.13  ·  Rating details ·  37,425 ratings  ·  3,052 reviews
The groundbreaking NEW YORK TIMES and WALL STREET JOURNAL BESTSELLER that taught a generation how to earn more, save more, and live a rich life—now in a revised 2nd edition.
Buy as many lattes as you want. Choose the right accounts and investments so your money grows for you—automatically. Best of all, spend guilt-free on the things you love.
Personal finance expert Ra
Paperback, 2nd Edition, 352 pages
Published May 14th 2019 by Workman Publishing Company (first published January 1st 2009)
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Paris I honestly don't think so. I live in Australia and I struggled with how much of the book applied to Americans only.…moreI honestly don't think so. I live in Australia and I struggled with how much of the book applied to Americans only.(less)
Ian I think you're jumping to conclusions here - it's quite the opposite. Give it a read!…moreI think you're jumping to conclusions here - it's quite the opposite. Give it a read!(less)

Community Reviews

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Average rating 4.13  · 
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 ·  37,425 ratings  ·  3,052 reviews

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Jul 09, 2009 rated it it was amazing  ·  review of another edition
Shelves: non-fiction, finance
This is definitely the best personal finance book I've read so far. It's a logical, step-by-step, practical handbook for financial success, specially written for twenty-somethings. It was better than the personal finance books I've read by Eric Tyson, Andrew Tobias, Dave Ramsey, Suze Orman, and Robert Kiyosaki.

Sethi gives advice on “automatically enabling yourself to save, invest, and spend - enjoying it, not feeling guilty...because you’re spending only what you have.” His main point: automate
Mar 13, 2010 rated it really liked it  ·  review of another edition
I tried summarizing the main things to learn at:

I've pasted the most important bits below, but for a lot more (hopefully useful) info, check out the linked doc.

The Overall Gist: This book is about how to manage your money, particularly for young people (20's). It's about the 85% solution: most young people don't manage their money because they believe they have to be experts, but what actually matters is getting started NOW, even it's only 85% right.

Dustin Taylor
Jun 03, 2010 rated it liked it  ·  review of another edition
Shelves: finance
While I don’t agree with everything he said, I do agree with some of the things he talks about. I personally found the investment chapters worth reading as I didn’t know very much and he lined out what my options were and explained what they were in a clear and fun way. The entire thing about using a credit card for everything to get points and other “benefits” doesn’t quite work for me, but it may for him. I don’t know anybody who has ever gotten rich because they received points from credit ca ...more
The financial advice is mostly sound, but the tone and attitude is pretty annoying: it's aimed toward adults with the emotional maturity of 13-year-olds and features lots of unfunny jokes about hot blondes. Do. Not. Want. ...more
Alex Pyatetsky
Mar 10, 2013 rated it really liked it  ·  review of another edition
I've never wanted to give a book 2 stars so badly. As a warm blooded, heterosexual male - the obnoxiousness and irrelevance of Ramit's frequent fratboy asides is really grating. I'm sure he has some kind of "gotta break some eggs to make an omelette" rationale, but buyer beware. You're going to read some shit that sounds like Tucker Max, minus the funny.

THAT SAID - I gave the book 4 stars.

Why? If you don't have your finances in order, Ramit gives you a clear, actionable plan on what to do, what
Jun 28, 2021 rated it liked it
Shelves: read-in-2021
If you can overlook Sethi's douchy tone and hot-blonde jokes, there's some pretty solid advice in there. A better written version of the same book would have bagged 5 stars easily.
Still, worth a read.


35% in and this fratboy has only managed to make me mad 😶


Well Mr.Sethi, let's see if you're gonna make me rich 🤑
Mar 10, 2018 rated it it was ok  ·  review of another edition
It's not that his advice is bad. His tone is just infuriating... ...more
Emily Whetstone
Don't let my star rating mislead you. You should read this book. The advice is very good and clear.

I just can't honestly say I loved it, because I found the author's examples of what it means to be rich (repeated references to being fed grapes, etc, by lovely younger women) to be off-putting. Also, the layout is terrible. The flow of chapters are continually interrupted by smaller stand-alone sections, which should have been better placed so you wouldn't have to choose between interrupting the
Mar 23, 2012 rated it liked it  ·  review of another edition
Shelves: read-in-2012
Ramit has some good points in this book. I liked his no-BS approach and I found his points about automating finances worthwhile, if it didn't exactly give me new information. I found the section about investing to provide helpful information about index funds, which I had wondered about. He is right on the money about saving up for weddings/homes too, which somehow people just expect to pull massive amounts of money together for, on a whim. Excellent points, all.

That said, I really dislike this
Jun 05, 2009 rated it it was amazing  ·  review of another edition
In one chapter, this book briefly describes a girl that spends $5,000/year on shoes. Since it's a book on being rich, I figured she *must* be rich in order to waste that much money on shoes. But no, her annual income is about half mine. She's able to do this because she decided that "$5,000/year on shoes" was her own personal definition of "rich" and she oriented her life around that decision.

That's all this book is: deciding for yourself what it means to be rich and acting on it. Everything's b
Harold Bradley III
Overly simplistic. Annoying tone. Some of the advice is good, but it is better presented elsewhere. Skip this book.
Derek McDow
Deficient in style, form, prose, and depth (the nerdy dude-bro-esque humor falls flat and tends to sound either sexist or racist) but the dated content could still prove useful to young people who know next to nothing about getting their finances in working order. Perhaps the strongest aspect of this book is the actionability of the content--improving credit scores, setting up high-interest savings accounts, investing in 401K and ROTH IRAs, etc. Great primer for the late-teen or early 20-somethi ...more
Mar 09, 2018 rated it did not like it  ·  review of another edition
I thought I'd get a couple new ''tid bits" of info in this book, but nope, same-old same-old. This is all common sense, people. Save & invest, don't buy a house you can't afford, and do your research.. Maybe I could relate more if ia were in my 20's and renting? In my opinion, if you want this elementary stuff, you're better off reading Suze Orman's books. Much more factual info, and much less random opinion. ...more
May 07, 2018 rated it did not like it  ·  review of another edition
* Targeted Audience: Early 20s located in USA and it is 2011 not later (If you are already 24, skip it)
* Information Depth: Basic + Common Sense
* Format: Audiobook for me, with 3/10 rating for narration!
* Some side gender-comparative comments that you might not be pleased to hear!
* My Bookshelf: Wish-I-Skipped-It

Hope I saved you precious minutes of your time!
Phil Sykora
May 22, 2016 rated it it was amazing  ·  review of another edition
I'm going to update this review, year-by-year, with how much this book has helped me. I'm at a $17k net worth at 26 right now. Nothing crazy, but way better off than I would've been.

Scroll down to see how I started with almost nothing.

Years Five and Six Update: my net worth has gone nowhere. I’m still at $17k, but I see it as massive progress because I’ve significantly increased my earning potential / career capital. I’m now a Certified Residential Appraiser and I should finally be making $50-$9
Jan 14, 2021 rated it did not like it  ·  review of another edition
Shelves: finance, nope
I've read many fiance books and this one has the foundations of finance, but I find the layout of the information presented and tone prevents it from being any good. There's a ton of other books that will give you the information you need without being pompous and condescending. Additionally, both life and money have layers of complexity and this book would rather complain about them being in poverty being their fault than actually include resources and outreach that could help.

Listen, if you a
May 13, 2015 rated it it was ok  ·  review of another edition
It's hard to take what this guy says seriously after reading the Millionaire Fastlane and living a lifestyle congruent with that book. My suggestion would be to read that first and then pass on this one rather than wasting your time. Go out there and create some value instead of rolling in the slowlane like Ramit suggests! I will teach you to be rich? More like, I will get rich from selling you this book while you stay poor making marginal gains on shitty investments. ...more
Christopher Johnson
I was curious about Ramit.

I don't love everything about what he's doing, but I think he's a Challenger Sale kind of blogger. He knows what he knows, and he's mostly right.

I've been following Dave Ramsey - and what I can say is this book beats the crap out of dave.

The basic message behind Dave's stuff is this: you're stupid, spending is stupid, and you should feel guilty every time you spend a little money that's not perfectly planned. Oh, and you have to eat crap food and drive a clunker if you
Jan 04, 2014 rated it it was amazing  ·  review of another edition
I'll keep this short and sweet: absolutely everyone should read this. High school kids should read this. My mom should read this. You should read this. It's the best book on personal finance I've ever read. Step by step instructions on exactly how to get your financial life in order. I read this years ago and it paved the way for me to eliminate my credit card debt and start investing. A must-read. ...more
Aug 13, 2020 rated it did not like it
I'm sure there's some good financial advice here, buried under the fat-phobic misogyny! No, thank you. ...more
Sep 06, 2020 rated it really liked it
If you can make it past the author's self congratulatory introduction, this book provides real insight into pensions, investing money, getting out of debt and making use of credit cards for rewards. I finally understand what a 'diversified portofolio' and 'index funds' mean and why index funds are better than mutual funds. All this normally boring, complicated banking jargon is really well summarised and explained. I have learnt so much from this and I am taking all the advice on board and openi ...more
original read: 2013

This book was a revelation when I first read it. I can't really recommend the chapters on investing for non-US residents but everything else still holds up. This is a great book for people who want to optimize their earning and saving by having a few clear goals and then automating the rest.
Dec 27, 2018 rated it really liked it  ·  review of another edition
I'm not the target market for this (not millennial, and not into getting barked at sarcastically), but I still learned some practical new things.

I do highly recommend for anyone under 30 - it has all the basic important money knowledge, plus hacks, specificity, and clear explanations.
Nicholas Kotar
Sep 17, 2019 rated it it was amazing
Check back with me in about 5-10 years, but I think this is one of those books that will really effect practical changes in life in a big way. Great book.
DeAnna Knippling
Feb 28, 2021 rated it it was amazing
Are you not taking care of your financial health? Are you not taking care of your financial health because you don't know where to start and you're kind of freaking out and you'll get to it someday just not today, okay? NOT TODAY?

This may be the book for you.

This book isn't thorough by any means. But it seems pretty practical and straightforward. "If you wanna do the smart thing, do X this week. Specifically, you can do what I choose to do, which I actually spent the time intelligently researchi
Nov 04, 2019 rated it liked it
Useful introduction to finances with some useful tidbits even if you know what you're doing. I don't agree with all the advice in here but he certainly knows what he's talking about. Unfortunately his tone walks a fine line between irreverent and obnoxious, and oversteps the boundary fairly frequently. 

If you can get past the voice and a lot of filler anecdotes, it's a decent beginner book to get you thinking about your finances. 
Dana Wilson
Mar 21, 2021 rated it it was amazing
This book is a GREAT intro to personal finance. I learned so much, and Ramit's writing and philosophies around money are both realistic and relatable. Highly recommend! ...more
Dec 26, 2020 added it
Shelves: finance
The book helped me understand better why Americans have their credit cards getting declined in the movies all the time. I mean, wow.
Other than that, the advice is still valuable, but it's quite hard to use it if you don't live in the US.
A must read. The information in this book is invaluable. As a millennial myself, I can attest that I am utterly clueless about money, investing, although I do fair extremely well with saving (no debts or interest for upcoming student loans due to my habits) and conscientious spending but that is simply not enough for the long run... I am grateful for the abundant knowledge shared in this book for the clueless on money being like myself. (And let me say; I know a lot of people much more behind on ...more
marta the book slayer
Sep 16, 2020 rated it really liked it
Shelves: straight-fax
“It’s more important to get started than to spend an exhaustive amount of time researching”

Never in a million years would I have thought about writing a review for a financial nonfiction guidebook, but here I am. I picked this book up from the library after seeing a post on Reddit recommending this book. Previously in the year I have read Get a Financial Life: Personal Finance in Your Twenties and Thirties and although it was informative, I was in my last semester of college and never did a
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Ramit Sethi is New York Times best-selling author of I Will Teach You To Be Rich. His blog,, hosts over 300,000 readers every month. He co-founded PBwiki and graduated from Stanford, where he studied technology and psychology. He lives in San Francisco, CA.

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