Author: Ramit Sethi

There are two primary approaches to determining when you should rebalance your portfolio: time- and threshold-based rebalancing. Let’s break down the key differences between these methods to help you choose the best solution. Time-based rebalancing operates on a fixed schedule, typically annual, making it simple to implement and track. It’s ideal for hands-off investors who…

For early-stage startups, the team’s unique qualifications and track record take center stage. Investors in this phase often bet more on the people than the product, so showcasing relevant expertise and past successes is essential. Highlight any entrepreneurial achievements, industry-specific experience, or technical skills that make your team uniquely equipped to tackle the problem at…

The financial principles from The Richest Man in Babylon, by George Samuel Clason, might be nearly 100 years old, but they’ve stood the test of time. These lessons on consistent saving, smart investing, and building wealth still hold up in today’s complex financial market. In this article, I’ll break down these timeless principles and show…

Most people misunderstand barriers. They see application fees and groan, they encounter additional requirements and quit, they face unpaid projects and walk away. However, successful people understand that these barriers are gifts in disguise. Think about the classic college application process. When a school adds an extra essay requirement or a specialized project, thousands of…

Do you know what most productivity “experts” hope you’ll never find out? The tips they spout and the apps they sell are total BS. The experts themselves don’t even use them! When was the last time you downloaded an app that you were sure was going to make you more productive, used it for less…

Do you know what most productivity “experts” hope you’ll never find out? The tips they spout and the apps they sell are total BS. The experts themselves don’t even use them! When was the last time you downloaded an app that you were sure was going to make you more productive, used it for less…

Michelle:  [00:03:32] I don’t feel safe and secure with my financial life. Since COVID, we’ve actually started saving money. And we both put money in our IRA for two years in a row. But we live like we’re 25 years old. Just the whole thing about money is triggering. I was supposed to get married…

[00:17:09] Cristina: Okay, so I feel confused about it. [00:17:14] Ramit: Okay. Tell me more. [00:17:15] Cristina: Okay. I’m going to get emotional because you’re asking me emotions. I used to be very scared about it because just like Ronnie, my family are immigrants. I’m an immigrant. So we came from absolutely nothing as well.…

Mapping out your family’s spending is one of the most powerful ways to bring order to the chaos. Think of it as your financial roadmap—a clear picture of how your money flows. Whether you’re trying to save for a dream vacation or pay off debt, a solid conscious spending plan can guide every family financial…

Jan: Together we got the loan, and then at some point, I received an extension to increase that loan. Initially, I just applied for a small amount, just thinking this would be a good backup or an emergency fund scenario. And then when I got approved, I got approved for the entire loan amount, which…