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Ramit Sethi's best money advice is not mystery or magic – it's mathematics



Almost everyone can learn to be good with money, according to financial expert Ramit Sethi.

"It's not that hard. It's not a mystery, it's not magic. It's just math. It's completely, understandably," he told Business Insider.

Everyone fights their own "invisible money scripts", writes Sethi in the latest edition of his bestselling book "I Want to Teach You to Be Rich." These are messages we tell us about money, often based on ideas or perceptions we obtained from our parents or peers as children.

Some of the most common money scripts include "money changing people"; "credit card is a scam"; or "the stock market is games." To manage money effectively, we need to "rewrite" our scripts, Sethi said.

"You may think & # 39; well, I'm not the kind of person good at money & # 39; but you can actually get very good at money ̵

1; and the line is so low," He's for Business Insider. "All you have to do is get your money automatically where it should go – it's not that hard. You can do it and you can get very good at it. "

Sethi, like many financial experts, encourages to automate as much of your economy as possible – this is where mathematics come in (the good news is, You only need to do it once. First of all, he said what percentage of your salary you should contribute to your 401 (k) or other pension plan, this money will be taken out before it hits your bank account so you will learn how to live without it

The rest of your payslip must be deposited in your checking account – it's like an email inbox for your money: Everything goes there before it is filtered in the right place, writes Sethi. You must create automatic transfers to: A) Pay your credit card bill and any fixed monthly charges that cannot be paid by credit card, and B) Finish other investment and savings accounts outside your payroll schedule at work. to use e.

Sethi says creating automatic finance and billing helps you create a unique and profitable system that requires little or no work to maintain.

"Not only are your bills paid automatically and on time, but you save and invest money every month," he wrote. "The beauty of this system is that it works without your involvement and it is flexible enough to add or remove accounts at any time. You collect money by default."


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