In 2019, after quitting my shiny newspaper job, I was in a bad financial place. I was living in New York City, paying New York City rent, and had what seemed like a million social engagements to go to. Shockingly, I managed to attend the first 3 months of employment and essentially suffered through the next 4 months of “funemployement.” Why do they call it fun by the way? There is nothing thrilling about not being able to pay your rent or get groceries. I digress.
Family members of mine helped me cover my rent and other living expenses, and I eventually paid them back. I had to turn down social event after social event in attempts to stretch the small amount of money I did have in my bank account. To somewhat get by, I took side work in and just prayed that my luck would be changing. By the way, I quit my job, so I was very aware of the situation being my problem.
Anyways, despite the challenges, I was determined to push through. Because after all, I literally had no choice. A friend of mine from church introduced me to her favorite online financial guy, who also happened to be a Christian. I was determined to get back in financial grace, but the only thing about his advice was that you had to have money in order to save money. Common sense? Yes. Something that I was working with? No.
So I kept trucking on, telling myself it was part of the process to getting to my dream job and life. I repeated: The best days are ahead of you. Once I landed a job in early 2020, I decided that the only thing I would work towards (apart from a healthier lifestyle) was financial independence. I started earning steady income and slowly paid off my debt, but nothing helped me more that year than reading I Will Teach You To Be Rich by Ramit Sethi.
I’d seen Ramit Sethi time and time again, from doing quick “get money quick” Google searches (I know, meh), and through Instagram targeted ads (a big sign, ha). Anyhow, I decided to check him out. Granted, it took me months to actually purchase the book, because I was super conservative of what I was spending my small check on, but after I did, I realized it was probably the best investment I made. In his book, Sethi created a comprehensive guide to money management for beginners, along with useful investing strategies if you have some disposable income.
With his words, you’ll be on an eye-opening journey into a world of financial wisdom and actionable money advice almost instantly. Like me, you’ll find yourself writing down his useful and functional points, and eagerly seeking more. The takeaways really are that good. But not only that, it’s easy to digest and remember. He puts it in simple, average-person terms that once you read it out loud, you wonder how you missed such a crucial step.