Ramit Sethi

This is...

Eating out, traveling, anything that you like to do for you, for your family, 20 to 35%.

If you hit those numbers, call it a day and move on because you are nailing it.

It has evolved over time.

I think that I...

You know, it's funny.

I struggled with math when I was younger.

Well, to the same extent today.

I struggle with rotating things in my head and puzzles.

But for some reason, compound interest just made sense to me.

And it was early.

You know, my dad helped me open up an investment account at age 14.

And instantly, I'm putting in, you know...

20 bucks, 50 bucks, 100 bucks, and I'm already compounding it until 65.

I go, whoa, this is amazing.

So that part, I think, for whatever reason, that was a talent that I had.

but I was also a utilitarian.

I was the kind of guy where in his early 20s, if you looked in my apartment, there's nothing on the wall, maybe one poster, no frame, because why would I?

That's just a waste of time and money, right?

And I was living in San Francisco, so I think it's kind of a common sentiment, just like, focus on efficiency.