Ramit Sethi
Author & Personal Finance Expert
Ramit Sethi is a New York Times bestselling author and expert in personal finance and entrepreneurship.
Credit & Personal Finance
Is Cutting Out Small Daily Expenses Actually Building Wealth — or Just Making You Obsess Over the Wrong Numbers?Skip the daily latte and you'll retire a millionaire — or so the advice goes. Ramit Sethi, Jean Chatzky, and David Bach debate whether cutting small everyday expenses genuinely builds wealth, or whether it's a distraction from the bigger financial moves that actually matter.
Investments / Wealth Building
Should You Buy Experiences Instead of Things — or Is That Just a Different Way to Spend Money You Don't Have?"Buy experiences, not things" has become one of the most popular pieces of modern financial advice. Research suggests that experiences often create longer-lasting happiness than material possessions, leading many consumers to prioritize travel, events, and memorable moments over physical goods. Yet as inflation rises and household budgets tighten, the wisdom of this approach is increasingly being questioned. Financial experts agree that experiences can enrich lives, but they also warn that meaningful memories lose their value when financed through debt or financial instability. The real debate is not whether experiences or possessions are better—it’s whether spending decisions align with personal values, long-term goals, and financial reality.
Investments / Wealth Building
Is Owning Less Stuff Actually Making Minimalists Richer — or Just Better at Marketing Their Spending Habits?Minimalism promises freedom from clutter, debt, and unnecessary consumption—but does owning less actually make people wealthier? Financial experts, educators, and minimalist advocates agree that reducing expenses can improve financial health, yet they disagree on whether minimalism alone leads to wealth. While some argue that consuming less creates financial freedom and greater alignment with personal values, others believe that true wealth depends on income growth, investing, and financial literacy. As more people embrace minimalism in response to consumer culture and economic uncertainty, understanding the difference between spending less and building wealth has never been more important.
Investments / Wealth Building
Should Small Business Owners Reinvest Profits Back Into the Business or Pay Themselves First?Every profitable month, small business owners face the same tension: put the money back into the business, or take it home. A tax attorney, a financial advisor, and a CPA partner take sides. One verdict.
Credit & Personal Finance
Is a Business Credit Card Worth It If You're a Solo Freelancer?Is a Business Credit Card Worth It If You're a Solo Freelancer? As a solo freelancer, managing finances efficiently is crucial. One common question ar...
Credit & Personal Finance
Is Net-30 a Fair Payment Term or a Cash Flow Trap for Freelancers?Is Net-30 a Fair Payment Term or a Cash Flow Trap for Freelancers? In today’s gig economy, the question of payment terms is pivotal for freelancers. A...