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

by Ramit Sethi

IN WEEK 1, you’ll set up your credit cards, pay off debt (if applicable), and learn how to master your credit history and free credit rewards. IN WEEK 2, you’ll set up the right bank accounts. IN WEEK 3, you’ll open a 401(k) and an investment account (even if you have just $100 to start). IN WEEK 4, you’ll figure out how much you’re spending. And then you’ll figure out how to make your money go where you want it to go. IN WEEK 5, you’ll automate your new infrastructure to make your accounts play together nicely. IN WEEK 6, you’ll learn why investing isn’t the same as picking stocks—and how you can get the most out of the market with very little work.

Once you decide on the primary reward you want, use a site like bankrate.com to sort through your options.

If you’re booking travel or eating out, use a travel card to maximize rewards. For everything else, use a cash back card.

The card I use for travel and eating out is the Chase Sapphire Reserve. For everything else, I use an Alliant cash back card. And for business, I use a Capital One cash back business card. For extra benefits, I have an Amex Platinum card.