Can we take a moment to appreciate how we don't have to watch any ads on this video! Thank you so much for making the choice to go with quality videos over more money, Matt. It's all those little things that make a huge difference.

The only advice I've taken is from Jay-Z... if you can't afford it twice don't buy it lol.

nobody: Matt: I was $90,000 in debt and bought a new car and a leather jacket i love hearing this everytime LMAO

This video, changed my life. I bought the book and I did what he said. Every dollar I spend next month is already budgeted and set a side. I've never felt this chill about money in my life. Thank you so much for interviewing this guy.

I love those interviews in your living room. They are not just very entertaining and inspiring, they're also very relaxing to watch.

Invest in Matts triceps and biceps. They’re always growing.

Instead of buying $3 coffee, drink Grahams 20c iced coffee. (lol)

Kudos on calling Wells Fargo and Bank of America pieces of shit. My respect for you increased!

*Money is the consequence of creating a value for people.* If you chase money, you will always suffer. If you chase excellence and creating value - money will follow as a BONUS.

The Best method for saving money is forgetting who you borrowed it from!

I'd just be happy being debt free and not working 40-70 hours per week anymore. Especially night shifts...

I've been saving 13% of my paycheck every two weeks for the last 3 years. I am re-writing my financial world and not allowing my upbringing to hinder me. This video was a gem, most definitely buying the book to keep it up.

My only problem with personal finance gurus is that it seems like they made all their money from teaching others how to make money before they even made any money there self. It seems a bit odd. So I ask one question, did this man become “rich” BEFORE he wrote a book on how to become rich?

This video was sponsored by the latte industry

I think what a lot of people miss about being frugal or money management is make a plan and be mindful. Being frugal doesn’t have to mean “save every penny” it can mean “buy the best quality now so you don’t have to replace it later,” budget doesn’t have to be a dirty word it just means have a map of where your money is going, part of that should be allowing yourself money for the things you enjoy. I like his idea of have a big goal and “backdate” the action steps to get there.

35 minutes without ads is worth watching and context itself is so pragmatic and empowering. Keep it up. Seriously Thanks Matt.

That’s is some quality self-D’Avellapment content.

This guy literally blew my mind with the natural way of approaching complex things. I'm going to follow him now forever.

I don't know if his salary raise concept works when you're a line cook at a burger king.

Dont buy a car with a loan, buy a cheaper one you can actually afford

My father always told me: if things get expensive, you need to earn more, not save more

This guy is a Genius. He starts off by roasting every other financial guy and promising not to repeat what they say. Then he gives the exact same advice just rotated slightly to make it what people want to hear. So dope!!

this very interview made me get serious about my finances a few months ago. since then, i’ve listened to the book (audiobook) 3 times, taken a detailed and birdseye view of my situation, and have almost saved enough to invest. i’ve only told my brother and my partner, because it’s something i feel like i can control (despite losing over half my work shifts). so thanks Matt, i needed this and it’s made a big difference!

My book: You can be rich, just make loads of money. The end.

I’ve taken Matt’s advice and started to read a book on finance once a year, game changer!

Focus on the big ones AND cut back for the fastest growth. Because $10 saved is not the same as $10 earned. $10 earned is more like $7 after tax. Don’t be a hermit crab, but also don’t splurge more than necessary, the key is balance.

I come back to most of his videos once a year just for a refresher. Such an inspiration.

This is fundamentally the best video I’ve ever watched on KZfaq, literally, ever, so far! Damn! Actionable, to the point, no fluff, hit the target where it’s sitting.

A great man once said "Use money as a tool, no great creator falls in love with the tool but the product they make using it..."

Me at 5, looking at my parents: What's it gonna take to be the best around here?

Thank you Ramit! After watching this interview I downloaded your book as onto my kindle and got reading. It was a breath of fresh air!

Thank you so much for this!! Honestly no one talks clearly and honestly enough about this and there's just a swarm of information. I'm tired of hearing that I have to live like a monk because I'm a student, I'm young I want to party and look good and not constantly be guilt tripped for enjoying my money instead of being a broke student. Thanks again, bring on ALL the videos about money

Literally the best videos for me. Not only speaking the truth but encouraging others to find their own type of "Less".

I feel like Matts my dad even though we are the same age 🔥

20:27 love this! I heard this tip in the book "Never split the difference" and I ask it in every job interview. It helps you see what you need to do to get a promotion and move up from the role

Feeling absolutely inspired to change my thinking just from this conversation alone. Thank you

35 minutes!? Wow Matt your insane thank you for this free content!

If you don’t control your expenses or track them, it’s easy for them to creep up to your level of income. Having the mentality that this guy takes to money is the counter opposite of simplicity since he says it’s a waste of time to focus on saving low cost goods. Expenses matter and do add up over time.

Just amazing people with amazing content! Appreciated! Hope too see more from you Matt.

Sadly true: having a good life doesn't take much, just take a moment to sit, reflect on what you want with a DEADLINE which will remain unchanged till the end. And it would be done. We can anything once settled up to it.

How to be rich: Write a book about "how to be rich" and convince people to buy it

I immediately went and bought his book! Such a great interview.

Hi Matt, I've been following you for the past two months and I gotta say you have definitely made an impact on me. I saw this whole video through and noticed no ads while watching it, I really appreciate that. I didn't know that was a choice you made. I will try supporting you on Patreon in December, as I just got back from vacation and I'm penniless Jajaja. Keep up doing your thing man!

Psychology of money is so true. When they were at the point of attitudes you grew up with I actually started crying remembering. It was something never talked about/taught. I was also made to feel like any buying decision was stupid and what I had wasn’t enough. It made me afraid to ask to help or information so I wouldn’t feel stupid

I learned how to blog from this man, so interesting to see him in video. Loved this video.

Money is the main source of anxiety in my life

New subscriber here: I love your channel. The quality content you make is insane. The videos are compulsively watchable, entertaining and to the point. And so helpful! Thank you for this interview!

This is such an amazing video, I 100% needed to hear this stuff.

Bless you. I just found out I'm losing my job come August/September so finance is at the forefront of my mind. Am actually in the middle of redoing my budget right now so this couldn't have come at a better time

Mixed feelings on this. Frugality is not a bad word, he makes it sound like one is “cheap”. I live on a 40 acre farm in a nice cabin, own a boat, three cars, and have lots of animals. Why we have all of this is because we saved, we were frugal. We weren’t unhappy. We made intentional choices. It felt good to find ways to create the same lovely experiences for less... like making a Starbucks style Match Green Tea at home. We live way below our means, drive used cars, and save a lot. We have no debt. My plan has been this. 1.Work hard 2. Pay off debt 3. Save money 4. Prepare early for retirement by paying off the mortgage, invest, and create a source of residual income like being a landlord.

3$ a day is "simply not that much money" ,but $20 - $50 a month cut dept down by years...hmmmm

Everyone talks about earning more. Problem is when people earn more, they still spend more. (That's not a problem for the rest of us as that means a healthy economy, but not good for financial independence. )

There’s something special about this guy 🤙🏻

Who else instantly clicks once Matt uploads

“You’ll watch your career soar!” - not if you work in a Government job where your wage is the wage, especially in the UK. You can’t negotiate Government pay scales or promotions, pay rises don’t happen that easily....

Oh my, just when I thought that I was upping my game and providing "value" I see this video which is so jam-packed with things so many of us struggle with. Thank you for putting out this video. It has brought so much perspective into my finances.

Your recommendation of Dave Ramsey’s Total Money Makeover last year changed the way I handle my finances and importance of having clear plan to financial independence. Now I am on my way to create different source of income thru freelance app development. Thank you so much for these high quality content! 🙏🏼🙏🏼🙏🏼

"Posted 8 seconds ago.." YES, ANOTHER ONE!!

Thank you for asking about the people who are struggling. A lot of lifestyle/money/minimalist/personal development can be pretty classist. Hearing that question made me feel heard, and getting the answer gave me a plan for out of college.

Man such an awesome video could of kept listening to the both of you guys speak for ages man was honestly so awesome to listen to much love from Australia

“The slightly above middle class advice guy”

How to be rich? Sounds like he became rich by selling a book about becoming rich.

wow Ramit is amazing, I love the passion (I know where the passion is coming from and when it is genuine). thank you for interviewing him. *going to buy the book *

Thanks for this video! Such an important topic that I feel we aren't taught about at school or at home. Looking forwarding to more of your content!

Matt you have inspired me so much, from working for my dreams to enjoying a cup of coffee every morning. I payed loans and next paycheck I'll be subscribing to your Patreon. Greetings from Mexico.

I left Wells Fargo and Bank of America because I noticed most of the account holders were always arguing about fees in the lobby

Fantastic interview. Thank you!

Channel's like this is a gem. Something were we can get true value from. Being here is a time not wasted.

"when i bought a car, i bought a honda accord", that's a really luxury and expensive car in Brazil, even a civic is considered a luxury car down here, so it's really funny to hear him talk like it's a cheap car he don't care about, i would have to work 16 years on my last job, saving every single penny, to be abble to aford a honda accord. [edit:] Not complaining, just amused to see the differences in perspective about certain things.

I remember a summer I was broke. Also invited to a good friend´s wedding. I walked to work and back everyday (40 min/way) for about 2 months in order to save $180 (I know is not much, but hey) just to put something on my friend´s husband starter pack (apart from buying shoes, flight, etc.). So it does make a big difference; making daily cuts on key things. Big car vs small car, cooked meal vs ready meal, that kind of choices -when adding the time variable- become critical.

Ramit didn't spend all his college money on speculative investing. He had enough left to get two degrees from Stanford - one of the best universities in the world. That psychology training you got at Stanford did help. Kudos!

This is amazing content! I fell in love the first time I watched this. I persuaded my boyfriend into watching it with me again and it's even better the second time around. I love your work. Please keep creating.

The quality of content is increasing exponentially, good job.👌

Loved this video! Such a different perspective on money and finances. I was super encouraged when he said, "do you know your debt payoff date?". I absolutely do! 12/2020

That's amazing informative video thank you :) definitely will check more of Ramit's content

Truly enjoyed watching this video, so glad it popped up on my feed. I’m excited to read his book now !

So...he published a book "I teach you how to become rich" after losing half of his money in the stock exchange?? and then...he became rich!! He is a Genius!!! 😂😂😂

This was an amazing interview with a lot value. I'm going to have to buy Ramit's book. Thank you!

I'm so happy I found this channel! Thank you

All of your videos and interviews are really inspiring and they help me strive to be my best self. Thank you so much for everything you do, I appreciate your videos :)

I don’t know where this guy is buying lattes but $3 is cheap. It’s more like $6 where I live

Waited for a week. Immediately destroyed the play button.

Thank you for ad free videos!

This is so great,thank you KZfaq and uploader for making our life easier

Matt's Videos are so satisfying & Relaxing to watch 😀

wow, Ramit is a great speaker. loved this whole video. Thank you guys.

This video pushed me over the edge to subscribe to your Patreon. Your content is so valuable and I appreciate you.

Thank you!! I have heard him speak before. Your interview spoke to me and what concerns me. Thank you!! I learned so much and inspired to live better financially. ❤️

As someone who just bought a 2011 Ford Escape so I can sell my 2018 Ford Escape so I can get out of debt faster, I get where he’s coming from when he says you don’t have to cut out 3-5$ a day because it won’t make that much of a difference, but in terms of getting out of debt, I really feel like it does make a difference. The amount of things I sell for 3-5$ really helped me pay off my credit card, and continues to help me with my student loans. I’m definitely gonna keep listening to Dave Ramsey until I’m out, but I’m also totally gonna look into this guys book. I think his approach is super needed in this society because a lot of people aren’t willing to sacrifice small things, and he seems to have a good technique to go about it and still help yourself in the long run. I think reading his take might help me learn how to, for lack of a better word, relearn how to spend money once I start letting myself eat out and buy things for fun again lol. So glad you posted this! One day when I have money for Patreon, I’m signing up for yours Matt, and coming back to watch the full video with him lol. Thank you for everything you create. It’s all like next level shit. So invaluable.

Hoping to be able to join your $12 patron tier next month 😁 keep up the good work man you're my inspiration!

I actually watched this starting to end. I learned a lot ! Thank you for this content ! New subscriber ✌️

I am glad I watched this video again. :D thank you guys. more power to both you.

The more frugal I am, the happier I am. The less things I have to worry about the more comfortable I sleep. I'm making a lot of money lately, I hope I can buy my way out of this consumer frenzy.

Latte's are not $3. I would spend $5-6 a day, and for just 4 work days that really, really adds up. I make my own coffee every morning now, and the best part is I can make it healthy and just the way I like it. Living frugally can be enjoyable, you just have to try.

Man you are adding so much value to our lives.Thank you🙂

this is gotta be one of the best videos on money I've seen feeling real relieved

Dude I NEED a in depth workout episode. Your biceps take up 50% of the screen!

You know it's always a good day when Matt up loads a vedio

wow okay I just found this channel and I am already hooked and loving it. Thank you for this awesome content!!

I have not yet finished this video but, thank you very much. this was some much needed and extremely helpful content