Ramit Sethi

No, this is something that happened around you.

You were not even aware of it or a participant in it.

And you are the one bearing the brunt of it.

I would ask them, what have you read to improve your personal finances?

Right there, boom.

There is at least one thing that anybody can do in America that will have a profound effect on your finances.

Usually, the simplest answer is to automate your savings.

Just pulling aside a certain amount of money before you ever see it.

People go, there's no way I can do that.

I'm already cut to the bone.

You will be shocked at how much you can actually survive on and even thrive on, and the money's just automatically growing for you.

You don't even know it.

That's powerful.

That takes understanding psychology and automation.

But anyone can do it in less than two days.

Yeah, write him a big fat check if you can.

It's actually not too far from it.

You know, in the old days, the idea was, I'll pass whatever I have along when I die.

And more sophisticated financial planners now know, if you have something to give...

Giving a few thousand dollars, however much, is much more impactful when your children are younger, particularly when they're 35, 40, 45.