“No Guilt. No Excuses. No BS. Just a 6-week Program That Works.”
Ramit Sethi is on a personal mission to expose unscrupulous banks and credit card. To expose their exorbitant interest rates, unreasonable charges and poor customer service. And he’s not backwards in coming forwards. In fact, he outright names and shames the (US) big bank brands he has issues with.
Essentially, this book is your blueprint for healthy personal finance. The twist, compared to many other books in this genre, is that he doesn’t chastise the reader. You can continue to buy your caramel latte. He is very much a ‘don’t sweat the small stuff’ king of guy. Fundamentally, his argument is that if you get the big pillars of personal finance right (eg, clear debt, save and invest at a decent rate etc), then the little things take care of themselves. Plus, Ramit’s approach is very much about systematisation and automation.
And it’s this combined approach, much like our own at Eat Sleep Money, which is why this book features on our ‘best personal finance books’ list.
One thing to bear in mind is that this book does focus on American banking, systems and platforms. So it does take some translating into a UK context.
Overall, this book is a simple, step-by-step guide to the fundamentals of personal finance, without condescending jargon or feeling poor whilst saving.