Money For Couples with Ramit Sethi 254. My $0 to $100k Playbook (full beginners guide)
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Mar 31, 2026 A step-by-step playbook for getting to $100K, focused on the compound interest math most people ignore. A six-step system that starts with killing high-interest debt and uses a CEO approach: cut, earn, optimize. A live calculator shows your exact $100K date. Tips on automation, the 1% December rule, building a financial moat, and four traps that quietly derail progress.
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Run Your Money Like A CEO
- Step 2 CEO system: Cut, Earn, Optimize — cut mercilessly on what you don't value, earn more via skills/side income, and optimize bills and systems.
- Make saving/investing automatic so you don't micromanage daily.
Cut Two Big Discretionary Expenses By Half
- Cut 50% from your top two guilt-free discretionary expenses over six months to free up hundreds monthly.
- Redirect that cash toward investments or debt payoff instead of tiny thrift wins like coupon clipping.
Build A Financial Moat With 6–12 Months Savings
- Step 3 Build a moat: save 6–12 months of fixed living costs as an emergency fund (Ramit recommends 12 months currently).
- Keep it in a high-yield savings account and use your conscious spending plan to know exactly what to cut if needed.
