#  @ramit Ramit Sethi Ramit Sethi posts on X about money, investment, debt, finance the most. They currently have [----------] followers and [----] posts still getting attention that total [-------] engagements in the last [--] hours. ### Engagements: [-------] [#](/creator/twitter::14313332/interactions)  - [--] Week [-------] +31% - [--] Month [---------] +3.80% - [--] Months [----------] -1.30% - [--] Year [----------] -7.50% ### Mentions: [--] [#](/creator/twitter::14313332/posts_active)  - [--] Week [--] -18% - [--] Month [--] -18% - [--] Months [---] +18% - [--] Year [---] -19% ### Followers: [----------] [#](/creator/twitter::14313332/followers)  - [--] Week [-------] -0.01% - [--] Month [-------] +0.02% - [--] Months [-------] +0.87% - [--] Year [-------] +2.70% ### CreatorRank: [-------] [#](/creator/twitter::14313332/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) [countries](/list/countries) [stocks](/list/stocks) [technology brands](/list/technology-brands) [social networks](/list/social-networks) [us election](/list/us-election) [travel destinations](/list/travel-destinations) [celebrities](/list/celebrities) [automotive brands](/list/automotive-brands) [luxury brands](/list/luxury-brands) **Social topic influence** [money](/topic/money), [investment](/topic/investment), [debt](/topic/debt), [finance](/topic/finance), [if you](/topic/if-you), [retirement](/topic/retirement), [insurance](/topic/insurance), [inflation](/topic/inflation), [credit cards](/topic/credit-cards), [luxury](/topic/luxury) **Top assets mentioned** [Alphabet Inc Class A (GOOGL)](/topic/$googl) [Robinhood Markets, Inc. (HOOD)](/topic/$hood) [Dave Inc. (DAVE)](/topic/$dave) [Bitcoin (BTC)](/topic/bitcoin) [Tesla, Inc. (TSLA)](/topic/tesla) ### Top Social Posts Top posts by engagements in the last [--] hours "Suggestions for current stock market: [--]. Don't panic. I'm not selling any stocks (why would I They're for long-term investments.) During chaotic times people make rash decisions that have life-changing ramifications. Even people who preach "long-term investing" see [--] day then [--] week then [--] month of bad news and eventually capitulate. That decision will haunt them forever. [--]. Build a war chest. I would encourage a 12-month emergency fund. Normally I recommend 3-6 months. During COVID I recommended [--]. Because of the massive uncertainty of the Trump admin I'd recommend being more conservative." [X Link](https://x.com/ramit/status/1908572287944499446) 2025-04-05T17:27Z 299.2K followers, 221.1K engagements "Hilton brands to boycott include the following: Doubletree Hampton Homewood Suites Embassy Suites Conrad and Waldorf Astoria" [X Link](https://x.com/ramit/status/2008608403934114062) 2026-01-06T18:35Z 299.1K followers, 40.1K engagements "One of the funniest things in personal finance: If you show people the math of homeownership clearly indicating their $500K house actually costs $1+ million they simply will not believe you. Then they'll change the subject If you're going to buy a home please look at an amortization schedule before you do. That way you can see the total amount of interest due over [--] years BEFORE you make the decision. Don't do so afterwards and then go on social media and complain about all the interest you If you're going to buy a home please look at an amortization schedule before you do. That way you can" [X Link](https://x.com/ramit/status/2012859599066628130) 2026-01-18T12:08Z 299.2K followers, 1.4M engagements "Easy to see why as a millennial I've become more liberal the older I've gotten When I was a college freshman Bush won the presidency. Since then Republicans have been wrong on every major policy issue of my adult life: Launching wars voting rights torture LGBTQ+ rights taxes social services COVID healthcare school lunch for children vaccines ICE and immigration. Every single one "People always drift right as they get older". Nah mate Millennials put a stop to that shit https://t.co/JfA5hvDqFj "People always drift right as they get older". Nah mate Millennials put a stop to that shit" [X Link](https://x.com/ramit/status/2014803608517451978) 2026-01-23T20:53Z 299.2K followers, 578K engagements "Awesome comment. When I travel I dont want efficiency. The experience is the point I get to live it [--] times: One in the months/years of planning Two while traveling Three while sharing videos/memories with family & friends This also feels like a uniquely bay area idea: "claude book my entire trip make no mistakes" whereas for most people their vacations are the highlights of their entire year and what they're looking forward to/planning for most of it. First time I put this together was hearing This also feels like a uniquely bay area idea: "claude book my entire trip make no mistakes"" [X Link](https://x.com/ramit/status/2015061579071721898) 2026-01-24T13:58Z 299.1K followers, 70.3K engagements "Watch this. Minnesotans are true American heroes to risk their own lives confronting ICE and protecting their neighbors Fuck ICE The courage of the people of Minneapolis is awe-inspiring. To face down the pedophile fhrer's ICE Nazis who are pointing guns at them. Goddammit these Patriots are heroes. 🙌💪👏✊👇 https://t.co/hzCcSFnOA0 The courage of the people of Minneapolis is awe-inspiring. To face down the pedophile fhrer's ICE Nazis who are pointing guns at them. Goddammit these Patriots are heroes. 🙌💪👏✊👇 https://t.co/hzCcSFnOA0" [X Link](https://x.com/ramit/status/2018741129877873118) 2026-02-03T17:39Z 299.1K followers, 45.7K engagements "Reading the insane replies to this -- almost all anonymous bots -- is so boring. Nobody takes them seriously any more least of all me We see innocent people kidnapped murdered deported to torture prisons all because of Republican policies. You will be held accountable" [X Link](https://x.com/ramit/status/2018850031143694666) 2026-02-04T00:52Z 299.2K followers, [----] engagements "@UnclePhillthy Agreed. Most of them are bots but the actual people are just men who failed at the game of life and now want to use the power of the government to feel superior to brown and black people. Absolutely pathetic" [X Link](https://x.com/ramit/status/2019113978983772411) 2026-02-04T18:21Z 299.2K followers, [--] engagements "Extremely good comment In America the moment you can separate "status" from "owning a house" is the moment you are free Why is a $3M home a status symbol but a $3M portfolio isn't How can someone value "looking wealthy" over having more financial freedom Makes zero sense. Why is a $3M home a status symbol but a $3M portfolio isn't How can someone value "looking wealthy" over having more financial freedom Makes zero sense" [X Link](https://x.com/ramit/status/2019414386063077470) 2026-02-05T14:14Z 299.1K followers, 34.1K engagements "Taxes can do amazing things Especially when you vote for the political party that wants to feed children Governor Kathy: I want every New York kid to have the fuel they need to succeed. Starting this school year breakfast and lunch are free for all students. https://t.co/HDgUB4OH7s Governor Kathy: I want every New York kid to have the fuel they need to succeed. Starting this school year breakfast and lunch are free for all students. https://t.co/HDgUB4OH7s" [X Link](https://x.com/ramit/status/2019588007247192192) 2026-02-06T01:44Z 299.1K followers, 26.1K engagements "Dave Ramsey: "It's not really hard to beat the S&P 500" Please reply with one word describing your reaction" [X Link](https://x.com/ramit/status/1705034479197360343) 2023-09-22T01:41Z 299.1K followers, 1.2M engagements "It's truly amazing how many people will lose literally over [--] MILLION DOLLARS in lifetime earnings because they don't understand averages What's even more amazing is they refuse to learn it" [X Link](https://x.com/anyuser/status/1765051298074796504) 2024-03-05T16:26Z 299.1K followers, 64.5K engagements "Good evening MAGA voters. Thanks to your vote you'll now pay thousands of dollars more per year. Let's begin by taking a tour of your grimy homes. In your kitchen: - Coffeemaker: Likely made in China Thailand or Malaysia. You'll now pay 24%36% more - Sponges: Enjoy the 34%46% tariffs In your bathroom: - Towels: Many are made in India Pakistan or Turkey. Enjoy 26%29% tariffs - Toothpaste & body wash packaging often comes from EU China or Vietnam. 20%34% more In your garage: - Power tools Often made in China Taiwan or Mexico with 32%34%+ tariffs (thankfully I don't have to worry about this one)" [X Link](https://x.com/ramit/status/1907574920550215999) 2025-04-02T23:24Z 299.1K followers, 5.2M engagements "I love showing my community how to use small amounts of money to change people's lives For example when I travel I tip $20+ per night at hotels. The first time they hear it they think it's crazy. Then they try it and realize how much joy money can bring others around you A nice note to come back to. Tip the people who clean your room when travelling right @ramit (Dont do it to get notes but it was still nice to see this evening) https://t.co/4F37UrSnuI A nice note to come back to. Tip the people who clean your room when travelling right @ramit (Dont do it to get notes but it was still nice to" [X Link](https://x.com/ramit/status/1937294735539904668) 2025-06-23T23:40Z 299.1K followers, 35.7K engagements "Yes This is how you do it You can also "train" to become better at: - Public speaking - Losing weight / gaining muscle - Money management - Being attractive - Style - Becoming compassionate - Earning more money - Productivity - Posture I beat social anxiety in early 20s by training for it like a sport. Always scan for chances to talk to friendly strangers of diff ages genders ethnicities. Go alone to events restaurants stores etc. Consistently getting your reps in builds resilience to failure/rejection I beat social anxiety in early 20s by training for it like a sport. Always scan for chances" [X Link](https://x.com/ramit/status/1997431909899452661) 2025-12-06T22:24Z 299.1K followers, 879.1K engagements "Fuck Hilton. Boycott @HiltonHotels One of their independent hotel owners in Minneapolis refused to let ICE stay there so Hilton corporate dropped them as a hotel Americans hate ICE's illegal gestapo soldiers & we can't wait to see them prosecuted. Kudos to any company who stands up against them. .NOT Hilton who we will be boycotting & I encourage you to do the same Statement from Hilton on a recent video https://t.co/W8DWUTWD7f Statement from Hilton on a recent video https://t.co/W8DWUTWD7f" [X Link](https://x.com/ramit/status/2008606022089249098) 2026-01-06T18:26Z 299.1K followers, 760.9K engagements "Only in America can someone call me Ramit Sethi a "serf" for choosing to rent in amazing cities while saving literally millions of dollars A serf paying rent to their lord is still a serf A serf paying rent to their lord is still a serf" [X Link](https://x.com/ramit/status/2013225929531941016) 2026-01-19T12:24Z 299.1K followers, 27.3K engagements "Hi Michal sorry for my delay in responding. I've been busy. What were you saying @ramit Bitcoin makes you irrelevant. HFSP @ramit Bitcoin makes you irrelevant. HFSP" [X Link](https://x.com/ramit/status/2019586341223428291) 2026-02-06T01:38Z 299.1K followers, 59K engagements "Please come on my podcast" [X Link](https://x.com/ramit/status/2019813699306033385) 2026-02-06T16:41Z 299.1K followers, 20.4K engagements "Hilarious. It is so cool to see a charismatic politician like Mamdani. It helps that he's actually younger than most American politicians. The median age of US Senators is [--] This country is run by a gerontocracy Mamdani: We will also work to welcome more family- and home-based childcare providers into our programs. Child at the podium: A woo woo woo. Mamdani: Thats how I felt when we came up with this plan. Together we will expand the idea of what is possible in our cityand what https://t.co/fMClj9Tosk Mamdani: We will also work to welcome more family- and home-based childcare providers into" [X Link](https://x.com/ramit/status/2019890967248245195) 2026-02-06T21:48Z 299.1K followers, 33.6K engagements "Trump an open racist for decades posted this image today. 90% of Republicans still support him This is why it's GOOD to ask friends who they voted for & decide if you'll allow them in your life. Racists and their supporters should be shunned from society" [X Link](https://x.com/anyuser/status/2019924587023331433) 2026-02-07T00:02Z 299.1K followers, 51.8K engagements "MAGA threatens to never buy my books again but we all know this is the last time they ever read one @ramit This is a very stupid take. Ill make sure to not buy another book from you again. @ramit This is a very stupid take. Ill make sure to not buy another book from you again" [X Link](https://x.com/ramit/status/2019944411749314974) 2026-02-07T01:20Z 299.1K followers, 14.1K engagements "You absolutely must read the comments from MAGAs desperately trying to spin this. Its some of the most pathetic reasoning Ive ever seen. Keep going guys its going great for you" [X Link](https://x.com/anyuser/status/2019944654591152594) 2026-02-07T01:21Z 299.1K followers, 16.7K engagements "lmaoo instead of talking about "re-education camps" for Republicans how about we just start with "education" @leximeier @ramit @JillPleeter re-education camps right @ramit @leximeier @ramit @JillPleeter re-education camps right @ramit" [X Link](https://x.com/anyuser/status/2020138772092821530) 2026-02-07T14:13Z 299.1K followers, 40.7K engagements "If you are dating someone who talks like this it means they have a high school education School is literally created to indoctrinate people to the state. Every single society that has ever created schools as "the norm" did so because they fought wars and needed the kids to be invested in the state propaganda basically This doesnt all have to be bad necessarily School is literally created to indoctrinate people to the state. Every single society that has ever created schools as "the norm" did so because they fought wars and needed the kids to be invested in the state propaganda basically This" [X Link](https://x.com/anyuser/status/2020247981568708887) 2026-02-07T21:27Z 299.1K followers, 50.5K engagements "Insightful. If you're in your early 20s and a high achiever one of the best things you can do is move to a big city There are more people more new ideas and more opportunities that you'll naturally meet on a daily basis. You can literally change the trajectory of your entire lineage If however your favorite podcaster tells you that Big Cities Are Crime-Ridden And Scary -- and you choose to believe this idiocy -- it's very likely you'll dramatically limit your choices for careers relationships and self development Big cities aren't for everyone. But when you make this important life decision" [X Link](https://x.com/anyuser/status/2020274827735728174) 2026-02-07T23:13Z 299.1K followers, 46.1K engagements "This is a great use of money Consider hiring tutors/coaches for Baby (sleep feeding) Style Posture Personal training Language learning Travel points optimizer Sleep consultant CPR instructor Dietitician Therapist Cooking instructor Defensive driving teacher I'm looking for an AI tutor. Someone NYC based to come sit next to me and show me all the latest ways people are using AI. DM me if interested. I'm looking for an AI tutor. Someone NYC based to come sit next to me and show me all the latest ways people are using AI. DM me if interested" [X Link](https://x.com/anyuser/status/2020583462328324476) 2026-02-08T19:40Z 299.1K followers, 36.3K engagements "@KeenanPeachy Sounds amazing. LA needs lots of new housing so young people can afford to live here. Thanks for spreading the word" [X Link](https://x.com/ramit/status/2020589624796778647) 2026-02-08T20:04Z 299.1K followers, 16.2K engagements "There's a surprising pattern of people who were 14-18 years old when their dads lost their job causing the family finances to disintegrate -- lost house divorce etc -- & the family never recovered The most surprising part is the narrow age range that this seems to happen" [X Link](https://x.com/ramit/status/1971249503597731874) 2025-09-25T16:24Z 299.1K followers, 523.4K engagements "No individual investor should use Robinhood They've weaponized trading to individual investors' detriment Avoid RH and instead use a long-term low-cost investment firm like Vanguard or the other ones I recommend in my book" [X Link](https://x.com/ramit/status/1423737544617861122) 2021-08-06T20:07Z 299.1K followers, [---] engagements "Really funny. More out-of-touch financial advice: - "Tip $20 at the hotel checkin to get upgraded" - "Be really nice to the airline attendant and they'll upgrade you" - "Just buy stocks of companies you use and you can't go wrong" - "Owning a house is the American Dream" The whole "GUYS just don't say WEDDING" advice is one of those things that immediately tells you the person is out of touch with how weddings work these days The whole "GUYS just don't say WEDDING" advice is one of those things that immediately tells you the person is out of touch with how weddings work these days" [X Link](https://x.com/anyuser/status/2022471254520054270) 2026-02-14T00:41Z 299.1K followers, 151.5K engagements "Everyone tells you to save money but very few people teach you how to spend money meaningfully Consider: - If I handed you $20000 right now what would you spend it on That's probably your Money Dial - Money Dial: An area of life you can turn up or down. Most common: Food travel health/wellness. My personal Money Dial is convenience - Once you identify your Money Dial ask yourself: If I could spend 4x as much on this what would I do This is how you can start to spend extravagantly on the things you love - Then you can identify other parts of your life that are NOT important -- and cut costs" [X Link](https://x.com/anyuser/status/2020326376050683989) 2026-02-08T02:38Z 299.1K followers, 30.1K engagements "Every affected hospital in rural America should have a MASSIVE sign that says "This hospital is closed because of Donald Trump." I will help fund this. If you run an organization that can lead this please get in touch" [X Link](https://x.com/anyuser/status/2020633960116830252) 2026-02-08T23:00Z 299.1K followers, 13.1K engagements "Heres the scenario: Youre in your early 40s with [--] young kids (2 with special needs) Household income: $155K/year $544K in total debt $1662 in savings 92% fixed costs What would you do" [X Link](https://x.com/anyuser/status/2021418097337565564) 2026-02-11T02:56Z 299.1K followers, 38.4K engagements "It is extremely difficult to change this mindset almost impossible. It can be done but most people do not actually see their cheapness as a weakness. They actually see it as a virtue" [X Link](https://x.com/anyuser/status/2021941242565963781) 2026-02-12T13:35Z 299.1K followers, 11.5K engagements "If you're serious about building wealth go beyond just "accumulating more" You should carefully study the QUALITY of different types of assets not just the QUANTITY For example if you have the bulk of your net worth in your primary residence can you easily use it The truth about millionaires in America: -Half have less than $2M in net worth (and less than $340k in liquid assets). -Most are NOT business owners. -Almost all are house/401k rich but cash poor. Is this what you expected https://t.co/mBwNgOOZp0 The truth about millionaires in America: -Half have less than $2M in net worth (and less" [X Link](https://x.com/anyuser/status/2022115924342620430) 2026-02-13T01:09Z 299.1K followers, 32.6K engagements "No this quote is unacceptable. Trump voters knew exactly what they were voting for because this is what Republicans stand for: - Mass illegal deportations with gruesome deaths and family separations - Unchecked power on the police and federal agents - Widespread corruption with billions of dollars flowing to the Trump family - Voter restriction specifically targeting minorities and young people - Trillions of dollars of deficits to give unnecessary tax cuts to wealthy people like me - No healthcare reform Do not lie. You knew and I hope your friends/family hold you accountable. Until you" [X Link](https://x.com/anyuser/status/2022831537176351172) 2026-02-15T00:33Z 299.1K followers, 66.3K engagements "@harveymw27 Your inability to acknowledge basic facts is why your marriage ended in 2022" [X Link](https://x.com/ramit/status/2022840166881312871) 2026-02-15T01:07Z 299.1K followers, [----] engagements "Should I text my parents and ask if theyre ok with me not becoming a doctor lol" [X Link](https://x.com/ramit/status/1650237810614632448) 2023-04-23T20:38Z 299.3K followers, 170.7K engagements "This is funny. I have multiple wealthy friends who've told me they want to travel like I do. I offer to plan their entire trip for free with one catch -- I need an unlimited budget (which they can easily afford) They never take me up on it @ramit Maybe this will be the first person that lets you plan a trip for them. @ramit Maybe this will be the first person that lets you plan a trip for them" [X Link](https://x.com/ramit/status/1753564391960629465) 2024-02-02T23:41Z 299.3K followers, 29.8K engagements "I have spoken to literally thousands of MAGAs over [--] years and literally 0% of them -- ZERO -- will even google a single fact" [X Link](https://x.com/ramit/status/1968416368782344358) 2025-09-17T20:46Z 299.3K followers, 31K engagements "Say thank you for NYC providing the talent and infrastructure for your business to thrive Thank you to the US government for taxing wealthy people and providing social services to the poor and middle class Say thank you Ricky instead of pretending you're going to leave NYC because of a tiny marginal tax increase and a new mayor who focused on middle-class New Yorkers Signed Another Rich Guy Who's Not Leaving NYC Because Of Taxes" [X Link](https://x.com/ramit/status/1987187129965830617) 2025-11-08T15:55Z 299.3K followers, [----] engagements "I've paid well over $2 million in rent and I've made more money renting than I would have made owning -- and lived in better properties in better locations with near-zero maintenance I want every person to run the numbers on the biggest financial decision of their lives @ramit I did the math for you. If you are paying $2500 a month in rent today and that rent increases 5% per annum in [--] years your monthly rent will be $10800. Over that period of time you will pay a cumulative $2 million in rent. Thats a lot of money for a shitty one bedroom @ramit I did the math for you. If you are paying" [X Link](https://x.com/ramit/status/2012923012496990670) 2026-01-18T16:20Z 299.3K followers, 286.1K engagements "Personal finance riddle: How can I own lots of equity but not own a house @BelangerTrading I have lots of equity. I just don't own a house @BelangerTrading I have lots of equity. I just don't own a house" [X Link](https://x.com/ramit/status/2013344715773526082) 2026-01-19T20:16Z 299.3K followers, 44.6K engagements "I talk to men like this on my podcast. After a few minutes of observing him & his wife talking I notice something Ramit: Do you ever ask your wife questions about money Hell think about it. No Do you ever ask her questions about anything No I guess not @jess_ann_pin No I just never met a smart woman. I've dated 50+ women including doctors lawyers and women who think theyre smart. Its bc culture tells them they are but behind closed doors its never true. @jess_ann_pin No I just never met a smart woman. I've dated 50+ women including doctors lawyers and women who think theyre smart. Its bc" [X Link](https://x.com/ramit/status/2013940691932442913) 2026-01-21T11:44Z 299.3K followers, 303.4K engagements "Do not look away. You are living through history Conservatives have unleashed thousands of masked militiamen across America arresting assaulting even killing innocent people This is one of our country's most shameful chapters Photographer @mostafabassim1 photographed this boy walking home alone with a snack being "randomly" approached by DHS. "After he was unable to produce documentation proving his citizenship agents informed him that he was under arrest." He said "Can I just go home" Answer: No. https://t.co/djkVP8YuUK Photographer @mostafabassim1 photographed this boy walking home alone" [X Link](https://x.com/ramit/status/2014059172111728946) 2026-01-21T19:35Z 299.3K followers, 289K engagements "Keep an eye out for the new Money For Couples billboards in NYC and LA Thanks to our partner @spotify" [X Link](https://x.com/ramit/status/2014367561618796864) 2026-01-22T16:00Z 299.3K followers, [----] engagements "Here's how to design a Rich Life in [----] step by step: - Choose a 1-word theme - Pick [--] anchor experiences (1 big [--] small) & price them adding a 15% buffer - Automate savings. Redirect funds from low-joy areas - Book one thing in the next [--] days To do this.(continued)" [X Link](https://x.com/ramit/status/2014458770953232589) 2026-01-22T22:02Z 299.3K followers, [----] engagements "NYC people: What's a name for the rage you feel when walking behind someone you know is going too slow because they're on their phone Any1" [X Link](https://x.com/ramit/status/844347405575360512) 2017-03-22T00:38Z 299.3K followers, [--] engagements "Rare behind-the-scenes info from an author friend of mine. There's still value in national media but it isn't nea http://ift.tt/2pH2VQy http://ift.tt/2pH2VQy" [X Link](https://x.com/ramit/status/859944542958702593) 2017-05-04T01:35Z 299.3K followers, [--] engagements "Compound interest whats something that people dont understand until they experience themselves whats something that people dont understand until they experience themselves" [X Link](https://x.com/anyuser/status/2021151914818142420) 2026-02-10T09:19Z 299.1K followers, 41.6K engagements "I'm recording videos. Who has an advanced business question I can answer for you" [X Link](https://x.com/ramit/status/877245533877932033) 2017-06-20T19:23Z 299.1K followers, [--] engagements "When I wrote that I encourage you to spend "extravagantly on the things you love as long as you cut costs mercilessly on the things you don't" I meant every word What do you spend "extravagantly" on @ramit While seemingly counterintuitive spending an uncomfortable amount on 1) unforgettable experiences in an area you love (sports games concerts vacations) or 2) big wins with a multiplier effect (eating working out sleeping) is unbelievably liberating and rewarding. @ramit While seemingly counterintuitive spending an uncomfortable amount on 1) unforgettable experiences in an area you love" [X Link](https://x.com/ramit/status/1027268721327439872) 2018-08-08T19:02Z 296.7K followers, [--] engagements "Anyone else get overwhelmed when food places have "trash" + "compost" + "recycling" bins I just throw everything in trash. Yes I am in SF" [X Link](https://x.com/ramit/status/103544951186534400) 2011-08-16T19:13Z 296.5K followers, [--] engagements "Read Charlies advice below. He is 100% correct but Ive learned people HATE hearing this. Sexy sells. Telling people to invest in mostly index funds does not. But it works. Sexy: options Bitcoin & for weight loss keto Boring but works: index funds calorie counting None. I would recommend that a beginner avoid options at all costs. Same answer would apply to most professionals in this business. None. I would recommend that a beginner avoid options at all costs. Same answer would apply to most professionals in this business" [X Link](https://x.com/ramit/status/1075064683931983872) 2018-12-18T16:26Z 296.7K followers, [---] engagements "What are the coolest things to see near downtown LA And who should I meet (Already have restaurant recommendations.) Thank you in advance" [X Link](https://x.com/ramit/status/1095063036245823488) 2019-02-11T20:52Z 296.6K followers, [---] engagements "I'll start: I LOVE new PF blogs getting covered in major media. I DON'T like formerly great blogs reduced to just writing abt new ING int %" [X Link](https://x.com/ramit/status/11438794896) 2010-04-01T18:38Z 296.5K followers, [--] engagements "Hey guys. I was told that REAL ESTATE ONLY GOES UP. After all rent is just THROWING MONEY AWAY. Right So how can you explain this Guys https://x.com/Dennis_Rodkin/status/1151182614922969088 This house sold for less than it went for [--] year ago when it was new. It's in St Charles built in [----]. Sold Oct 2001: $760000 Sold July 2019: $595000 (-21.7% in [--] years) https://t.co/jTFvyDp8FI https://x.com/Dennis_Rodkin/status/1151182614922969088 This house sold for less than it went for [--] year ago when it was new. It's in St Charles built in [----]. Sold Oct 2001: $760000 Sold July 2019: $595000" [X Link](https://x.com/ramit/status/1151227348588490754) 2019-07-16T20:29Z 296.6K followers, [---] engagements "@NickDSO Hmm.can you send me the URL you tried" [X Link](https://x.com/ramit/status/1154631685) 2009-01-28T07:32Z 296.6K followers, [--] engagements "A friend in SF told me about going to celebrate with an entrepreneur who just sold his company The entrepreneur wanted to go to the ATM to see his bank balance. He checked. It was $220000000 Then they decided to celebrate.by going to McDonald's Love it" [X Link](https://x.com/ramit/status/1190307300994637826) 2019-11-01T16:39Z 296.7K followers, [----] engagements "Someone just told me I helped them make $25000 in the last [--] weeks but they don't want to pay me for further stuff. Hmm.investigating" [X Link](https://x.com/ramit/status/12064096981) 2010-04-12T20:20Z 296.5K followers, [--] engagements "Design & architecture in Kyoto. Come with me into a 300-year old home still lived in by the same family" [X Link](https://x.com/ramit/status/1211327375784329217) 2019-12-29T16:45Z 299.1K followers, [---] engagements "I love these crackpot emails I get telling me that 7-8% returns are boring A dude in Peoria who cant even take his dirty dishes to the kitchen has spent the last [--] years chasing alpha and insisting that index funds are stupid What world do I live in" [X Link](https://x.com/ramit/status/1215343865034657793) 2020-01-09T18:45Z 296.7K followers, [---] engagements "If you're in your 30s working at a job: * What's different about working NOW vs. in your 20s * Has anything changed about your goals & what's important to you now vs. your 20s" [X Link](https://x.com/ramit/status/1258816954175021056) 2020-05-08T17:52Z 296.6K followers, [---] engagements "Do you agree or disagree with Noah What are the things to take into consideration to decide what's right for you I'll leave my thoughts in comments below. Fascinating that the richest people I know rent their houses. Fascinating that the richest people I know rent their houses" [X Link](https://x.com/ramit/status/1367632513359699976) 2021-03-05T00:26Z 296.7K followers, [---] engagements "4 signs you might want a financial advisor [--]. You have $1 million+ in investable assets [--]. You have a complex financial situation [--]. You want a temporary "second set of eyes" on a specific question [--]. You want a behavioral coach (If so I recommend fee-only advisors)" [X Link](https://x.com/ramit/status/1384562011904741378) 2021-04-20T17:38Z 298.1K followers, [---] engagements "A lot of you believe that rich people have access to better investments In most of life the more $ you have the better quality you can get: food travel housing But in personal finance -- with rare exceptions -- it's not true This is EXTREMELY hard for people to believe👇" [X Link](https://x.com/ramit/status/1397997763669884928) 2021-05-27T19:26Z 297.9K followers, [---] engagements "I received this message which led to one of the most interesting money conversations I've ever had Their actual net worth: $13 million. $3mm income. And he's so cheap that his wife is threatening to leave him Before I go on what do you think happened on the call 👇" [X Link](https://x.com/ramit/status/1468287117486960645) 2021-12-07T18:31Z 296.7K followers, [---] engagements "Whats the most youve spent on a vacation Was it worth it Why or why not" [X Link](https://x.com/ramit/status/1479173433497952259) 2022-01-06T19:30Z 299.3K followers, [---] engagements "If you could have ANY negotiation script (besides credit card overdraft fee etc) what would it be Please be SPECIFIC" [X Link](https://x.com/ramit/status/15264343734) 2010-06-02T16:57Z 296.5K followers, [--] engagements "Some of you are doomed (via /r/costco)" [X Link](https://x.com/ramit/status/1538876591513559040) 2022-06-20T13:29Z 296.7K followers, [---] engagements "This is one of the most insane contracts I have ever seen" [X Link](https://x.com/ramit/status/1546647870920486916) 2022-07-12T00:09Z 296.8K followers, [----] engagements "There is a guy in my mentions trying to convince me that paying 1.75% fees for cash value life insurance is a good investment because it is a "Roth IRA on steroids" 1.75% fees mean you will pay roughly 45% of your returns to fees" [X Link](https://x.com/ramit/status/1551626779084828672) 2022-07-25T17:53Z 299.1K followers, [--] engagements "What is a subtle sign of wealth" [X Link](https://x.com/ramit/status/1553742410349510656) 2022-07-31T14:00Z 296.6K followers, 12.2K engagements "I asked @matthewhussey to respond to this meme" [X Link](https://x.com/ramit/status/1610354610635681792) 2023-01-03T19:17Z 299.2K followers, 38.8K engagements "Loved hanging with @patio11 in Tokyo" [X Link](https://x.com/ramit/status/1635027576640143360) 2023-03-12T21:18Z 296.7K followers, 42.6K engagements "@LiebermanAustin @MichaelKitces @DanielYerger3 @jasonfrieds @FiSurgi A 1% fee compounded over years is an extremely large number -- one that most people are totally unaware of. This is one of my primary points" [X Link](https://x.com/ramit/status/1666398448034119682) 2023-06-07T10:55Z 296.6K followers, 82K engagements "What happens when you're in the FIRE community you save millions of dollars and suddenly it's time to start spending it. .but you just can't Meet Mindy & Carl my [--] guests today who have saved $4.3 million -- but they struggle to spend any of it Link below" [X Link](https://x.com/ramit/status/1671185815324758017) 2023-06-20T15:58Z 296.5K followers, 76.3K engagements "Investing should be boring My personal philosophies: - No investing apps on my phone - No trading - No timing the market - Automatic investing - Annual rebalancing (if that) - 7% is good - Patience & no FOMO - Live a Rich Life today and a richer life tomorrow" [X Link](https://x.com/ramit/status/1671540430419415040) 2023-06-21T15:27Z 299.1K followers, 78.2K engagements "I shared the story of spending more $ to buy nice shoes -- and keeping them for years including getting them repaired On my newsletter I asked people to share their stories of buying something important and keeping it for a long time I love these responses" [X Link](https://x.com/ramit/status/1673053639622144000) 2023-06-25T19:40Z 299.1K followers, 27.4K engagements "Wells Fargo & Bank of America are the worst banks in the country If you use them you're asking to get ripped off" [X Link](https://x.com/ramit/status/1678780864732479489) 2023-07-11T14:58Z 296.5K followers, 119.7K engagements "Loving these thoughtful comments on my @CBSEveningNews piece pointing out that renting can be a good financial decision for many people" [X Link](https://x.com/ramit/status/1679971620981739525) 2023-07-14T21:50Z 299.2K followers, 63.2K engagements "I love taking you on behind-the-scenes tours of hotels around the world. I love nice hotels. And I love appreciating the tiny little details At our hotel in Tokyo they knew we don't drink that much. Instead they gifted us a beautiful box full of perfect hand-picked berries" [X Link](https://x.com/ramit/status/1689263108437553152) 2023-08-09T13:11Z 296.7K followers, 49.7K engagements "If you followed the advice in this book over the last [--] years you never had to think about ICOs SPACs ETH altcoins any crypto at all timing the market i bonds treasury bills HYSA interest rates or churning CCs. .and you made a lot of money while living a Rich Life" [X Link](https://x.com/ramit/status/1695142928744579509) 2023-08-25T18:35Z 296.5K followers, 18.2K engagements "No thanks. All individual investors should avoid Robinhood" [X Link](https://x.com/ramit/status/1703556086287286717) 2023-09-17T23:46Z 299.2K followers, 98.8K engagements "I feel so sorry for people who hear stuff like Dont buy lattes and believe money is all about restriction and budgeting" [X Link](https://x.com/ramit/status/1704587741478994121) 2023-09-20T20:06Z 296.7K followers, 14.5K engagements "How it feels to not pay 28% of my lifetime returns to someone who will put me in a mutual fund with a 5.75% front-end load and 0.6% expense ratio" [X Link](https://x.com/ramit/status/1705286691223896463) 2023-09-22T18:23Z 296.7K followers, 47.9K engagements "During our last trip in Tokyo we visited the Imperial Palace The palace grounds are so visually striking like its straight out of a movie & the light was amazing (During Japans real estate bubble in the 80s the palace was worth MORE than all of Californias real estate)" [X Link](https://x.com/ramit/status/1705323344344580119) 2023-09-22T20:49Z 296.7K followers, 20.8K engagements "What are some surprising ways you've seen people buy back their time From my own life: personal trainer executive assistant someone to book international flights based on miles healthy food What have you seen" [X Link](https://x.com/ramit/status/1709272488289726571) 2023-10-03T18:21Z 296.5K followers, 59.7K engagements "Think a 1% fee isnt much Heres the surprising math behind paying 1% to a financial advisor. Lets say youre [--] years old and you invest $50000 and contribute another $1000 a month. (The first thing you want to do when picking your funds is to minimize fees. Look for the management fees expense ratios to be low around 0.2% and youll be fine. Most of the index funds at Vanguard T. Rowe Price and Fidelity offer excellent value.) In [--] years with a low 0.2% management fee and assuming a 7% return youd have just over $2000000. But if you pay a financial advisor 1% youd only have $1700000. Thats" [X Link](https://x.com/ramit/status/1715394217478889972) 2023-10-20T15:47Z 298.1K followers, 214.2K engagements "One funny comment I get: "Are you just going to rent forever What happens when you retire" They genuinely don't understand that if you build a large enough portfolio it pays your expenses in perpetuity (yes even housing) You know like exactly the way *retirement* works This is a good example of how shows most people's understanding of personal finance is only surface level. They do not see a connection between (1) renting + investing the difference and (2) saving for retirement even though they are exactly the same concept. And actually I don't blame them For example when it comes to my car I" [X Link](https://x.com/ramit/status/1719009767501545834) 2023-10-30T15:14Z 296.8K followers, 37.5K engagements "Tomorrow Im giving you word-for-word scripts on how to get out of a 1% relationship with your financial advisor" [X Link](https://x.com/ramit/status/1720532468682326392) 2023-11-03T20:04Z 298.1K followers, 21.9K engagements "During our honeymoon my wife and I visited Kenya and went on safari. I wanted to take as many photos as I could to document this experience but I wasnt satisfied with what I was getting from my iPhone. I thought a professional camera would be the answer so I rented one from the lodge we were staying at. Everyone can take a picture I thought. This cant be that hard. But the pictures I took still sucked. Defeated I decided to hire the photographer-in-residence at our lodge for help. The results were dramatic. I went from this: To this: Notice the differences in focus composition and visual" [X Link](https://x.com/ramit/status/1727789462132863484) 2023-11-23T20:41Z 296.5K followers, 106.2K engagements "The higher my tax rate the more grateful I become Because income taxes are marginal paying more in taxes means I've added enough professional value that my income has gone up After some basic tax minimization (e.g. 401Ks) I don't chase hyper-optimization for taxes. I consider that letting the tax tail wag the dog For example I don't move to a low-tax state to save money on taxes. I make enough money to live wherever I want Politically I believe the wealthy should pay more in taxes (including me). Of course I don't agree with how all of my tax dollars are used which is why I vote for who" [X Link](https://x.com/ramit/status/1729175171981099189) 2023-11-27T16:27Z 296.5K followers, 86.9K engagements "Sorry if I'm slow to respond to emails. I was out shopping for an $8900 pair of vicuna sweatpants which are definitely an "investment" because they make me feel more confident in myself and therefore grow my career and income. Honestly confused how it's even a question whether this is a good investment or not https://twitter.com/ramit/status/1731049816422072819 https://twitter.com/ramit/status/1731049816422072819" [X Link](https://x.com/ramit/status/1731088339787198824) 2023-12-02T23:09Z 296.5K followers, 298.8K engagements "@NewRetirement Very nice touch to match those" [X Link](https://x.com/ramit/status/1731120015741432027) 2023-12-03T01:15Z 296.6K followers, [----] engagements "Everybody ask your parents how much they're paying their financial advisor and let me know how it goes" [X Link](https://x.com/ramit/status/1739428719096484030) 2023-12-25T23:31Z 298.1K followers, 408.8K engagements "Since we had that cheap billionaire who feigned outrage at an $85 breakfast at the Carlyle hotel I thought I'd share some of the best hotel breakfasts I've had This was at Amanpuri in Phuket. Easily the best hotel breakfast I've ever had. This was the last place my wife and I stayed at the end of our honeymoon. We loved it. At one point she asked the waiter if she could get the recipe for one of the dishes. The server said "One moment" and came back with the head chef. The chef said "I understand you'd like to know the recipe. How about we arrange a cooking class for you Would this afternoon" [X Link](https://x.com/ramit/status/1763227878630760620) 2024-02-29T15:41Z 298K followers, 113.9K engagements "The majority of my net worth is in index funds. Here are some lesser-known benefits of this strategy: - SAVED TIME: I have zero need to track the market of stocks altcoins or real estate prices. I spend less than [--] hours/month on my finances total. - EASY TO PROJECT: Fairly predictable returns make it easy to project my future. For my calculations I assume a conservative 7% which allows me to project [--] [--] even [--] years ahead letting me live a Rich Life today and a richer life tomorrow. - MORE MONEY FOR ME: I will save tens of millions of dollars in fees by not paying advisory fees" [X Link](https://x.com/ramit/status/1767251310796054687) 2024-03-11T18:08Z 296.5K followers, 133K engagements "With a Traditional IRA the distributions are taxed according to your tax bracket at that point. If tax rates fall in the future then youll pay less taxes. But its hard to predict which way taxes will go. If your career goes well then its very likely that you will be in a higher tax bracket closer to retirement increasing the tax on the distributions. On the other hand the distributions from a Roth IRA are TAX-FREE. For more information on investing check out my free Money Made Easy mini-course: https://iwt.com/money-twitter https://iwt.com/money-twitter" [X Link](https://x.com/ramit/status/1771206895002366080) 2024-03-22T16:06Z 296.6K followers, [----] engagements "I'm enjoying the racist comment from Bart Stevens a CFP in Texas at Mayfield Stevens He suggests that "my kind" stop "shitting in the streets." He also calls women "whores" and "baby making machines" Would you hire a financial planner like Bart" [X Link](https://x.com/ramit/status/1787155861804347576) 2024-05-05T16:22Z 297.9K followers, 234.8K engagements "More comments from Bart Stevens CFP in Texas" [X Link](https://x.com/ramit/status/1787156647930159264) 2024-05-05T16:25Z 297.9K followers, 45.6K engagements ""Hank Rearden" is Bart Stevens CFP from Mayfield Stevens Financial Advisors Reading what else he's written on Twitter.yikes" [X Link](https://x.com/ramit/status/1787157399079645213) 2024-05-05T16:28Z 297.9K followers, 54.2K engagements ""How can a 1% financial advisor fee cost you 28% of your lifetime returns" There is an excellent thread of extremely savvy responses in this Reddit thread showing how a 1% fee can equal you paying tens of thousands -- or hundreds of thousands of dollars -- in fees Link below" [X Link](https://x.com/ramit/status/1791128465112277145) 2024-05-16T15:27Z 296.6K followers, 37.9K engagements "Great article on renting vs. buying in the NY Times by @pauletteperhach Examples include cities where it's much cheaper to rent people who are "house poor" and why you should carefully run the numbers. If you decide to rent it's critical that you invest the difference" [X Link](https://x.com/ramit/status/1792162804809515405) 2024-05-19T11:58Z 296.5K followers, 25.2K engagements "Someone asked if they should hire a business coach Most of the comments are very dismissive. One person says Ive worked with a lot of wealthy people. Ive never heard of them using a business coach Then the wealthy people share their actual experience" [X Link](https://x.com/ramit/status/1792604190021194195) 2024-05-20T17:11Z 299K followers, 13.8K engagements "You can get better investment returns than 85% of Wall Street portfolio managers by setting up an automatic monthly investment to a low-cost index fund and not touching it" [X Link](https://x.com/ramit/status/1794041186933715406) 2024-05-24T16:22Z 296.5K followers, 157.8K engagements "When you read this comment what's your first reaction" [X Link](https://x.com/ramit/status/1798029339428315513) 2024-06-04T16:29Z 299K followers, 96.3K engagements "Good afternoon. The internet informed me that using a HELOC for home renovation is a great investment that always increases the value of your house So I took their advice and made some small improvements knowing that I will make all my money back & more. Thank you" [X Link](https://x.com/ramit/status/1804241484990025879) 2024-06-21T19:54Z 299K followers, 26.2K engagements "Another guy backs down when I offer a $1 million bet that I'm not a secret landlord Give me [--] more years. I truly think some hothead is going to take the bet because they don't believe I rent. That will be the best day of my life" [X Link](https://x.com/ramit/status/1806020250485522436) 2024-06-26T17:42Z 299K followers, 59.1K engagements "@KJC225 All of that sounds great. Can't you do that with a tiny fraction of $10mm" [X Link](https://x.com/ramit/status/1811134602985230345) 2024-07-10T20:25Z 296.7K followers, 12.8K engagements "1. The perfect morning routine won't make you rich [--]. Building an entire life to minimize taxes is a waste of time [--]. Your handbag and personal trainer are not investments And [--] more in this new video: Brutally Honest Financial Advice to Fix Your Sh*t https://youtu.be/Dd_GtuRjdsgfeature=shared https://youtu.be/Dd_GtuRjdsgfeature=shared" [X Link](https://x.com/ramit/status/1811511618871968212) 2024-07-11T21:23Z 296.5K followers, 13K engagements ""Should I tell my wife to stop spending $45 on burgers" This is really bad If you & your partner have separate "no-questions-asked" accounts (which I recommend) don't question their spending in those areas or you'll violate the entire trust of your financial relationship" [X Link](https://x.com/ramit/status/1815162527979831737) 2024-07-21T23:10Z 299.2K followers, 21K engagements "Some of the arguments against running a simple buy-vs-rent analysis are becoming a little absurd" [X Link](https://x.com/ramit/status/1817207015183430026) 2024-07-27T14:34Z 299K followers, 14K engagements "As expected the guy who bet me $1000 that Trump had zero convictions now refuses to pay (by creating several new rules) https://x.com/theAlphaAddict/status/1817578307212447754 https://x.com/theAlphaAddict/status/1817578307212447754" [X Link](https://x.com/ramit/status/1817579222514438145) 2024-07-28T15:13Z 299.2K followers, 14.9K engagements "Guys in my comments will dress in 100% cashmere from a villa in Lake Como and then go Im not wealthyIm just comfortable" [X Link](https://x.com/ramit/status/1834634757130613077) 2024-09-13T16:46Z 299K followers, 14.3K engagements "When I speak to couples it's striking how every man has the same invisible script: "I'm the provider" That can be positive But when they lose a job or their partner earns more than them they're often lost I ask: "Who are you if you're not a provider" They have no answer" [X Link](https://x.com/ramit/status/1839702208008593826) 2024-09-27T16:22Z 299K followers, 28.9K engagements "Generational wealth is not just giving your kids a big check or a house This is generational wealth too" [X Link](https://x.com/ramit/status/1840844920363630740) 2024-09-30T20:03Z 299K followers, 35.7K engagements "Wow I didnt realize my advice of run the numbers before making the biggest purchase of your life could be so dangerous" [X Link](https://x.com/ramit/status/1842561140649537631) 2024-10-05T13:43Z 299K followers, 47.8K engagements "What do you notice If you invest $1000/month. [--] years: $73839 [--] years: $177403 [--] years: $322656 [--] yrs: $526382 [--] yrs: $812117 [--] yrs: $1212876 [--] yrs: $1774961 [--] yrs: $2563314 [--] yrs: $3669021 (7% returns already factor inflation in)" [X Link](https://x.com/ramit/status/1848384989114622084) 2024-10-21T15:24Z 299.1K followers, 56.1K engagements "Guys I don't think he wants to follow through on our $50000 bet. This was his response when I followed up with him @ramit I was wondering if you could just shut the fuck up & go suck some dick you dumb fucking Indian @ramit I was wondering if you could just shut the fuck up & go suck some dick you dumb fucking Indian" [X Link](https://x.com/ramit/status/1852175959379566853) 2024-11-01T02:28Z 299K followers, 46.8K engagements "Every [--] months Republicans trot out a new bogeyman to scare their base keeping them riled up & unaware that Republicans have zero policy proposals to improve life for the average voter Watch: Whatever happened to the scary warnings about. Only 3% of Black voters say immigration is the top issue for them in the [----] election Only 3% of Black voters say immigration is the top issue for them in the [----] election" [X Link](https://x.com/ramit/status/1853622866589487313) 2024-11-05T02:18Z 299K followers, 83.5K engagements "This is an interesting idea" [X Link](https://x.com/ramit/status/1858642201170891182) 2024-11-18T22:43Z 299.2K followers, 10.5K engagements "Writing a book on unhappiness should be an easy task for the average American who excels at making choices that actively make them unhappy while believing they are doing the right thing: - Believing above all that their lives are better in an individualistic society. The more they forsake community the more unhappy they are leading them to resort to even more hyper-individualism. For example. - Moving far away from friends & family to pursue the "American dream" of buying a house which involves a long commute non-walkable neighborhood & no family support to raise a family. The result: lonely" [X Link](https://x.com/ramit/status/1860779715809947690) 2024-11-24T20:17Z 296.7K followers, 33K engagements "The year is [----]. Your family has been in the United States for generations but you failed to use your social capital to achieve anything. You have no career no relationship and nobody follows you online. You're left posting racist stuff on twitter & bragging about your TV" [X Link](https://x.com/ramit/status/1861953505415565352) 2024-11-28T02:01Z 299K followers, 21.6K engagements "People who own this sweater have a median net worth 10x the median Uniqlo buyer which is why you should buy this sweater to become wealthy" [X Link](https://x.com/ramit/status/1869426470810239451) 2024-12-18T16:56Z 297.7K followers, 26.8K engagements "POV: You grew up believing you were entitled to be success but life passed you by and you dont understand why You could: [--]. Take a hard look in the mirror at your work ethic also taking into account structural forces [--]. Become an anon account hurling racist insults online" [X Link](https://x.com/ramit/status/1869453462636998815) 2024-12-18T18:43Z 299K followers, 11.1K engagements "Be very careful about using your identity as a cage" [X Link](https://x.com/ramit/status/1869835648796094658) 2024-12-19T20:02Z 299.2K followers, 10.5K engagements "'Wow cool that Amazon emailed [-----] people who follow me there' 'Oh nice They also featured @morganhousel and @JLCollinsNH and Rob--OH GOD'" [X Link](https://x.com/ramit/status/1871301326845685811) 2024-12-23T21:06Z 299.2K followers, 16.7K engagements "Have you ever listened to my podcast @ramit I dont think couples fight over $20 lol @ramit I dont think couples fight over $20 lol" [X Link](https://x.com/ramit/status/1873054912566968440) 2024-12-28T17:14Z 299.2K followers, 25.8K engagements "Hello NYC. It is SO UNFAIR that I have to pay $11200 for this vicuna sweater from Loro Piana. Why doesn't the government subsidize my luxury purchase to make it easier for me a rich guy to afford this So unfair Anyway about to jump in my car and drive downtown" [X Link](https://x.com/ramit/status/1876385961367756945) 2025-01-06T21:50Z 297.9K followers, 21.8K engagements "Extremely funny watching conservatives become so emotional about congestion pricing that they're suddenly concerned about poor people" [X Link](https://x.com/ramit/status/1877015427076821004) 2025-01-08T15:32Z 299K followers, 12.8K engagements "Its actually a good thing that so many Trump supporters are losing their money in crypto scams. Republicans have been insulated from their poor decisions for too long. They repeatedly vote against their own interests only to be saved by Democrats (e.g. Obamacare disaster relief funding for public education). Good news You learn when you face the consequences of your actions" [X Link](https://x.com/ramit/status/1881395128280957434) 2025-01-20T17:35Z 299.3K followers, 110.9K engagements "HEY RAMIT STOP TALKING ABOUT THE POLITICAL CRAP IN MONEY INCLUDING HOUSING HEALTHCARE TAXES EDUCATION CHILDCARE RETIREMENT SOCIAL SECURITY INFRASTRUCTURE & URBAN PLANNING CAMPAIGN FINANCE LAWS CONSUMER PROTECTION INSURANCE MILITARY SPENDING IMMIGRATION & ENERGY" [X Link](https://x.com/ramit/status/1887326466020454589) 2025-02-06T02:24Z 299.2K followers, 21.9K engagements "Absolutely amazing. I got exactly ZERO emails from people admitting they lost money with $trump coin Guys where'd you go I love an entire industry where people brag about making money but when they lose they instantly vanish If you are one of the [------] people who lost money on the Trump coin I want to hear from you Please email me: ramit.sethi@iwillteachyoutoberich.com subject $TRUMP COIN I can keep you anonymous If you are one of the [------] people who lost money on the Trump coin I want to hear from you Please email me: ramit.sethi@iwillteachyoutoberich.com subject $TRUMP COIN I can keep" [X Link](https://x.com/ramit/status/1889315635169014233) 2025-02-11T14:08Z 299.2K followers, 55.7K engagements "This is why it's so important to live a Rich Life today and a richer life tomorrow" [X Link](https://x.com/ramit/status/1889700591623983525) 2025-02-12T15:38Z 299.2K followers, [----] engagements "10 things Republicans have done in the last [--] month [--]. Republicans ended the Direct File program which allowed you to easily file your taxes online for free. [--]. JD Vance blamed "DEI policies" for a deadly crash between an airliner and military helicopter" [X Link](https://x.com/ramit/status/1889794589529129469) 2025-02-12T21:51Z 291.7K followers, 376.4K engagements "7. Trump continues to stigmatize transgender people. Out of [------] athletes competing at the collegiate level there are fewer than [--] who publicly identify as transgender said the NCAA president" [X Link](https://x.com/ramit/status/1889794601008930896) 2025-02-12T21:51Z 291.4K followers, 60.6K engagements "8. Trump has rolled out an entire mechanism against DEI. MAGAs are slowly realizing that white women are one of the largest recipients of DEI policies as are American farmers military members and rural white Americans" [X Link](https://x.com/ramit/status/1889794602359492750) 2025-02-12T21:51Z 291.5K followers, 28.2K engagements "CORRECTION: Republicans haven't yet ended Direct File. They're trying to but it hasn't happened yet. I apologize for the mistake" [X Link](https://x.com/ramit/status/1889799591564025948) 2025-02-12T22:11Z 291.4K followers, 36K engagements "When someone tells me "homeowners have [--] times the net worth of renters"" [X Link](https://x.com/ramit/status/1890410033004917055) 2025-02-14T14:37Z 291.5K followers, 56.9K engagements "I always love these comments because I tell them that yeah man people who wear Brunello Cucinelli also have 500x the net worth of H&M customers so if you buy a $3000 sweater you'll become wealthy Right They get very mad" [X Link](https://x.com/ramit/status/1890411197020672367) 2025-02-14T14:42Z 291.4K followers, 12.6K engagements "5 subtle signs of financial abundance [--]. Being first to reach for the check & happily pay it [--]. Occasionally realizing you missed the window to return something and shrugging knowing sometimes mistakes happen [--]. Being happy to pay your taxes [--]. Being willing to try a new dish a new vacation a new concert with the understanding that sometimes it just wont be great and thats fine [--]. Admitting that youre wealthy. Not saying I dont feel rich or Im comfortable. Owning your success hard work and good luck What would you add" [X Link](https://x.com/ramit/status/1890918424865394746) 2025-02-16T00:17Z 295.6K followers, 42.3K engagements "Ramit made far more from index funds than he ever made from his book" [X Link](https://x.com/ramit/status/1891278357582467239) 2025-02-17T00:07Z 291.5K followers, 21.9K engagements "Frank (29) and Jill (33) have [--] young kids and are trapped in a vicious cycle of overspending and debt. With fixed costs exceeding their income and $25000 on credit cards theyre only going further into debt. The panic-induced balance transfers and emotional spending paired with little communication has put a wedge in their marriage. Can Frank and Jill cut spending break old habits and build a stable financial future for their familyor will they let the weight of their debt pull them down" [X Link](https://x.com/ramit/status/1891850723006308442) 2025-02-18T14:02Z 291.6K followers, [----] engagements "This is extremely common: "Inflation is killing us" Reality: Never tracks grocery spend and buys whatever package looks cool "Childcare costs doubled" Reality: You had a second kid "The economy is out of control" Reality: You just spend $65000 on a home reno" [X Link](https://x.com/ramit/status/1892339362169299121) 2025-02-19T22:23Z 291.7K followers, 18.9K engagements "Looking at this data its extremely funny that people STILL argue with me when I say run the numbers because sometimes renting can be a better financial decision I recently saw some comments accusing me of being a secret landlord & I went scorched earth on them. Enjoy Housing affordability got cookedFAST Annual U.S. household income needed to purchase typical U.S. home: Jan. [----] - $51646 Jan. [----] - $51740 Jan. [----] - $62669 Jan. [----] - $86184 Jan. [----] - $92006 Jan. [----] - $92538 5-year shift: +79% Housing affordability got cookedFAST Annual U.S. household income needed to purchase typical" [X Link](https://x.com/ramit/status/1892471719958392913) 2025-02-20T07:09Z 291.6K followers, 19.1K engagements "Now that Trump supporters are starting to lose their jobs youll notice something very curious: Whenever they post about their lives being ruined they always say I voted for Trump This is classic cult dynamics. Theyre unable and unwilling to make the connection that the Republican Party is the cause of their woes it would be psychologically devastating to acknowledge they voted for their own demise. To reduce the dissonance they simply assume it must be some kind of mistake. Youll see this over and over" [X Link](https://x.com/ramit/status/1893814572827484209) 2025-02-24T00:05Z 299K followers, 135.2K engagements "LA see you next month" [X Link](https://x.com/ramit/status/1894159959077658637) 2025-02-24T22:58Z 291.7K followers, [----] engagements "@WalletHacks The "have a nice day" is beautiful" [X Link](https://x.com/ramit/status/1894868937969680398) 2025-02-26T21:55Z 299K followers, [---] engagements "Such a great point Similarly I (42) buy $3000 sweaters but my friend (22) shops at Uniqlo. Guess who is a millionaire Chuckle" [X Link](https://x.com/ramit/status/1894919052445061174) 2025-02-27T01:14Z 297.7K followers, 20.3K engagements "Rents don't only go up. They also go down. This might seem like a simple concept but in my experience the majority of Americans believe that housing/rental prices only increase. In fact my rent went down [--] times in [--] years in Manhattan" [X Link](https://x.com/ramit/status/1895234564806844917) 2025-02-27T22:08Z 299.1K followers, 11.2K engagements "If you post about how grocery prices are insane yet you drive an F450 on a paved road to your job at Northwest Mutual selling whole life insurance consider buying a vehicle like this instead" [X Link](https://x.com/ramit/status/1895305326003658802) 2025-02-28T02:49Z 299.2K followers, 12.9K engagements "This is literally how much thought people put into the biggest purchase of their life NO NUMBERS. NO RATIOS. NO UNDERSTANDING OF TRANSACTION OR OPPORTUNITY COSTS. JUST SOME WORDS YOU COULD FIND ON THE BACK OF A PLAY-DOH CONTAINER @ramit Rents go up. A mortgage is rent control. @ramit Rents go up. A mortgage is rent control" [X Link](https://x.com/ramit/status/1897330157570154758) 2025-03-05T16:55Z 299K followers, 53K engagements ""I have been frugal for the last [--] years and now I am questioning if I was right"" [X Link](https://x.com/ramit/status/1897761638708920649) 2025-03-06T21:30Z 299K followers, 88.5K engagements "Son is like "ugh thanks dad (really wish it was VFINX and not this dilapidated illiquid house in a declining geographic area with high holding/transaction costs and $75000 of required maintenance)" How come this hasn't made it in a Hollywood scene" [X Link](https://x.com/ramit/status/1899475163877617992) 2025-03-11T14:59Z 299K followers, [----] engagements "This is an extremely hilarious article. The WSJ writes about investors who recently shifted from 100% American stocks to diversifying into international stocks Gee I wonder why they did that. These investors have all kinds of reasons they use to justify it.but all of these are simply made up In reality American stocks recently went down and int'l stocks went up. And now investors are chasing them This investor behavior is exactly why most individual investors underperform the market. Instead of steady diversification you guys waste your lives chasing news and you're always behind. You just" [X Link](https://x.com/ramit/status/1903841394516697161) 2025-03-23T16:08Z 299.3K followers, 122.2K engagements "@CamSmithD Local man actually loves the idea of paying for advice and has in fact paid tremendous amounts of money for advice on self development fitness nutrition executive coaching speaking asset allocation relationship development travel culture and productivity. Good try" [X Link](https://x.com/ramit/status/1903871709759037650) 2025-03-23T18:09Z 299K followers, 19.8K engagements "Most amazing part of my job is hearing people on twitter talk about landlords like they're omniscient NSA-level mathematicians who crunch every number & magically pass their costs to renters Then you talk to actual landlords & discover most don't know basic ownership numbers @ramit Someone I know is considering an investment property in a tourist area. They plan to solely fund it from its rental income. View it as self-sustaining not a business with potential highs and lows. When I asked whats your plan if it sits for a few weeks They said it wont. @ramit Someone I know is considering an" [X Link](https://x.com/ramit/status/1904964668864835610) 2025-03-26T18:32Z 299.2K followers, 12.6K engagements "Now the propaganda kicks in to do damage control https://x.com/ramit/status/1907832907361636677 Darkly hilarious seeing Fox News desperately trying to coddle Republican voters by assuring them that actually these tariffs are GOOD FOR YOU It's watching a propanda machine give grown adults a blankie to calm them down https://t.co/y4smiTeYoZ https://x.com/ramit/status/1907832907361636677 Darkly hilarious seeing Fox News desperately trying to coddle Republican voters by assuring them that actually these tariffs are GOOD FOR YOU It's watching a propanda machine give grown adults a blankie to calm" [X Link](https://x.com/ramit/status/1907833298656616479) 2025-04-03T16:31Z 298.1K followers, 221.7K engagements "Many MAGAs are proudly saying "Just buy American" but have no idea that a basic American-made button-down shirt would cost $150 When challenged they all disappear https://x.com/ramit/status/1907854452633018511 I'm confused. I keep trying to give $1000 to all these MAGAs who say "Just buy American" but none of them will take my simple bet https://t.co/LNyXRsDgcE https://x.com/ramit/status/1907854452633018511 I'm confused. I keep trying to give $1000 to all these MAGAs who say "Just buy American" but none of them will take my simple bet https://t.co/LNyXRsDgcE" [X Link](https://x.com/ramit/status/1907855095984685549) 2025-04-03T17:57Z 298.1K followers, 165.7K engagements "When finance bros lose millions of dollars because they support Trump something very funny happens They start pontificating like philosophers like Shakespeare on ketamine Upon a wrong occurring Sun Tzu advises considering the contrary Behind clouds are most certainly sun Sometimes the best strategy in a negotiation is convincing the other side that you are crazy. Sometimes the best strategy in a negotiation is convincing the other side that you are crazy" [X Link](https://x.com/ramit/status/1907970446571745625) 2025-04-04T01:36Z 299.2K followers, 68.1K engagements "@wifibiztips Why are you plagiarizing my Money Rules" [X Link](https://x.com/ramit/status/1908524757567287630) 2025-04-05T14:18Z 299K followers, [----] engagements "Trying to make new friends" [X Link](https://x.com/ramit/status/1909751170769576419) 2025-04-08T23:32Z 299K followers, 16K engagements "Invisible Script: "I should make a profit on my house" Imagine saying the same thing about a vacuum cleaner or set of knives Thanks to the financialization of houses in America people literally believe "house = profit" so they cannot fathom losing money on a house" [X Link](https://x.com/ramit/status/1911910938480988310) 2025-04-14T22:34Z 299K followers, 21K engagements "Ramit in New York Times 2025: "Buy the best and drive it into the ground" Ramit in May [----] (16 years ago): "Buy the best and drive it into the ground" Good advice lasts" [X Link](https://x.com/ramit/status/1914370264512483666) 2025-04-21T17:26Z 299.1K followers, 32.6K engagements "When will you guys ever learn" [X Link](https://x.com/ramit/status/1919807329505046842) 2025-05-06T17:31Z 299K followers, [----] engagements "Are you fucking crazy" [X Link](https://x.com/ramit/status/1922305343217918224) 2025-05-13T14:58Z 299K followers, 50.5K engagements ""I'm [--] $10mm net worth. Spend $500K/year can't retire. What should I do" [--]. Evaluate your investments. 4% return too low [--]. Delegate in your business. Will take 2-3 years of very hard work then your life will dramatically improve [--]. Get clear on what your Rich Life is" [X Link](https://x.com/ramit/status/1927013867630026754) 2025-05-26T14:48Z 296.7K followers, 123.4K engagements "If you rent pay attention to your market If rents are falling try to negotiate My rent went down 4x in [--] years in Manhattan because I tracked real estate and proactively negotiated Asking Rents Are Falling in [--] Major U.S. Metrosthe Most Since [----] https://t.co/7XjDmSDCMv Asking Rents Are Falling in [--] Major U.S. Metrosthe Most Since [----] https://t.co/7XjDmSDCMv" [X Link](https://x.com/ramit/status/1930299981115863447) 2025-06-04T16:25Z 299.2K followers, 28.7K engagements "Guys should just stop making frivolous purchases like a $159000 truck when they cant afford it" [X Link](https://x.com/ramit/status/1931023193638117686) 2025-06-06T16:19Z 299K followers, 70.4K engagements "Go woke go broke from someone who served [--] years in a socialist organization (the US military)" [X Link](https://x.com/ramit/status/1932975007421891023) 2025-06-12T01:35Z 297.8K followers, [----] engagements "No sympathy Go ICE When I asked him if Elon Musk who was an illegal immigrant should be deported he claimed the Washington Post is a crappy source and added 😂😂😂" [X Link](https://x.com/ramit/status/1932975015261086207) 2025-06-12T01:35Z 297.7K followers, [----] engagements "Surprising finding: The amount of people who come on my podcast wanting me to berate them. Deep down they want someone to tell them they've been "bad" with money It almost always turns out their parents berated them & now they unconsciously perpetuate the pattern P.S. I don't" [X Link](https://x.com/ramit/status/1935751760301199664) 2025-06-19T17:29Z 299K followers, [----] engagements "@WalletHacks Yes and it's what they "think" getting better at money involves because that's what they see" [X Link](https://x.com/ramit/status/1935786898485846452) 2025-06-19T19:48Z 299K followers, [---] engagements "Hunting down best business credit cards. AMEX Gold & AMEX Starwood are looking good. Surprised there are not more options" [X Link](https://x.com/ramit/status/19363811091) 2010-07-23T19:38Z 296.5K followers, [--] engagements "This is correct. The median household in America has $8000 in checking/savings accounts. .and a net worth of $193000" [X Link](https://x.com/ramit/status/1943009658484199892) 2025-07-09T18:09Z 299.1K followers, 30.5K engagements "Oh my god This comment on my recent real estate video Somebody finally gets it" [X Link](https://x.com/ramit/status/1944501463054692664) 2025-07-13T20:57Z 299.1K followers, 67.9K engagements "The hardest emails I get are from people in their early 60s whove realized they havent saved any money and are terrified of retirement" [X Link](https://x.com/ramit/status/1945546710077358238) 2025-07-16T18:10Z 299.1K followers, 70.5K engagements "I am creating the worlds largest collection of responses to online trolls which I will painstakingly gather into a beautiful book which will sell fewer than [--] copies because nobody cares about this except me @jfosback Hey man one thing that will really improve your life is not insulting someone when they're excited about something @jfosback Hey man one thing that will really improve your life is not insulting someone when they're excited about something" [X Link](https://x.com/ramit/status/1949148801270165742) 2025-07-26T16:44Z 299K followers, 18.5K engagements "When I was a kid in high school in the 90s I read magazines like The Industry Standard and followed stocks. My dad helped me open a custodial account when I was [--] and over a few years of working high-school jobs I invested in [--] stocks: [--]. JDSU (now bankrupt) [--]. Excite@Home (now bankrupt) [--]. A little company called Amazon Horrible example of investing. Pure luck. I never sold share a piece of investing lore about yourself https://t.co/6w8zET0aCJ share a piece of investing lore about yourself https://t.co/6w8zET0aCJ" [X Link](https://x.com/ramit/status/1949316673938264379) 2025-07-27T03:51Z 299.1K followers, 35.8K engagements "Obsessed with Japanese stationery and wrapping paper Taken in Tokyo" [X Link](https://x.com/ramit/status/1953128736661946719) 2025-08-06T16:19Z 298K followers, [----] engagements "LIE: You cant raise taxes on the wealthy Theyll just move away" [X Link](https://x.com/ramit/status/1960381019179057258) 2025-08-26T16:37Z 297.7K followers, 115.7K engagements "What does "generational wealth" mean to you" [X Link](https://x.com/ramit/status/1961102149313868007) 2025-08-28T16:22Z 296.5K followers, 90.8K engagements "When you bought a house because everyone told you to stop throwing money away on rent and then you discover Phantom Costs including maintenance transaction costs opportunity costs and property taxes" [X Link](https://x.com/ramit/status/1962664153153441809) 2025-09-01T23:49Z 296.5K followers, 27.9K engagements "GOOD EVENING AMERICA Effective immediately please do the following: - Buy a whole life insurance policy via Northwestern Mutual - Buy a house (real estate always goes up) - Vote Republican. They're fiscal conservatives - Hire a financial advisor for 1% AUM (good deal)" [X Link](https://x.com/ramit/status/1963444537826972017) 2025-09-04T03:30Z 298.1K followers, 20.2K engagements "I'm going to be in Atlanta later this month. Where should I eat" [X Link](https://x.com/ramit/status/1964039021983912181) 2025-09-05T18:52Z 299.1K followers, 68.5K engagements "YES OR NO: Should we bail out farmers like this guy who overwhelmingly voted for Trump CALLER: I'm a third-generation farmer and we have a silent epidemic in my opinion about ready to explode in this country with our agriculture. It's projected by several magazines in the next six months any farmer will -- 75% of us will have to take out some sort of bankruptcy. All of us are in the red. It's great we did DOGE and tariffs and that but farmers always bear the brunt of it but we have no farm bill in place. We have no anywhere for grain to get sold right now. All the contracts are canceled or on" [X Link](https://x.com/ramit/status/1965599522622783630) 2025-09-10T02:13Z 296.7K followers, 43.1K engagements "I once considered starting a travel business and a lot of people in my audience were VERY INTERESTED. They've seen my posts about international travel hotels etc I asked what they'd want to do on a 7-10 day trip. They basically said "The kind of stuff you do. Behind-the-scenes tours food design." I said great How much would you pay ballpark for [--] days "Maybe $2000. Possibly $2500" "$2000 total Or per night" "Total" People who don't travel to high-end hotels drastically underestimate how much it costs But more importantly they don't really see WHY it would make sense to spend 10-20x more for" [X Link](https://x.com/ramit/status/1967979464463200481) 2025-09-16T15:50Z 299.1K followers, 94.9K engagements "I think young people would riot if they actually saw how much money ($$$) Boomers make from their fat pensions social security payouts and RMDs while the average young person will never be able to buy a house Watch for these interviews" [X Link](https://x.com/ramit/status/1968354966797697030) 2025-09-17T16:42Z 299.2K followers, 106.4K engagements "People will complain about the price of Cheez-Its but happily pay $50000 in unnecessary fees to Chet their financial advisor who charges 1% AUM" [X Link](https://x.com/ramit/status/1976037908357447982) 2025-10-08T21:32Z 296.5K followers, 14.6K engagements "Here's the scenario. - You're [--] and [--] years old - Income: $167000 - Debt: $339000 (you owe $125000 on a $17000 loan because you ignored it for [--] years) - Savings: $2600 What would you do" [X Link](https://x.com/ramit/status/1976316262130278740) 2025-10-09T15:58Z 296.5K followers, 83.9K engagements "If you do this and lose the password for [--] years you will almost certainly outperform most investors including pros on Wall Street Is it ridiculous to just put 100% of my 401k into an S&P [---] index fund or am I good Is it ridiculous to just put 100% of my 401k into an S&P [---] index fund or am I good" [X Link](https://x.com/ramit/status/1976429635215958398) 2025-10-09T23:28Z 296.5K followers, 116.3K engagements "I love this comment on a recent Youtube video I posted about salary negotiations" [X Link](https://x.com/ramit/status/1977745843227672820) 2025-10-13T14:38Z 296.7K followers, [----] engagements "Learn the importance of asset allocation and low fees in your investing strategy especially avoiding paying 1% AUM already have a masters degree already ran a marathon have gotten and grown out bangs multiple times almost moved to a foreign country and then dramatically decided to stay at the last minute. literally what is left for me to do for attention already have a masters degree already ran a marathon have gotten and grown out bangs multiple times almost moved to a foreign country and then dramatically decided to stay at the last minute. literally what is left for me to do for attention" [X Link](https://x.com/ramit/status/1977950975227760801) 2025-10-14T04:13Z 296.6K followers, 15.8K engagements "If you don't follow politics closely you should know how young Republican leaders communicate with each other in leaked private text messages EXCLUSIVE: Thousands of leaked messages show leaders of Young Republican groups joking about gas chambers slavery and rape in a private Telegram chat. Inside rising GOP leaders racist chats obtained by POLITICO and spanning more than [--] months👇 https://t.co/yvz8Jwbrmf EXCLUSIVE: Thousands of leaked messages show leaders of Young Republican groups joking about gas chambers slavery and rape in a private Telegram chat. Inside rising GOP leaders racist" [X Link](https://x.com/ramit/status/1978597523246784633) 2025-10-15T23:03Z 296.5K followers, 46.4K engagements Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@ramit Ramit Sethi
Ramit Sethi posts on X about money, investment, debt, finance the most. They currently have [----------] followers and [----] posts still getting attention that total [-------] engagements in the last [--] hours.
Engagements: [-------] #
- [--] Week [-------] +31%
- [--] Month [---------] +3.80%
- [--] Months [----------] -1.30%
- [--] Year [----------] -7.50%
Mentions: [--] #
- [--] Week [--] -18%
- [--] Month [--] -18%
- [--] Months [---] +18%
- [--] Year [---] -19%
Followers: [----------] #
- [--] Week [-------] -0.01%
- [--] Month [-------] +0.02%
- [--] Months [-------] +0.87%
- [--] Year [-------] +2.70%
CreatorRank: [-------] #
Social Influence
Social category influence finance countries stocks technology brands social networks us election travel destinations celebrities automotive brands luxury brands
Social topic influence money, investment, debt, finance, if you, retirement, insurance, inflation, credit cards, luxury
Top assets mentioned Alphabet Inc Class A (GOOGL) Robinhood Markets, Inc. (HOOD) Dave Inc. (DAVE) Bitcoin (BTC) Tesla, Inc. (TSLA)
Top Social Posts
Top posts by engagements in the last [--] hours
"Suggestions for current stock market: [--]. Don't panic. I'm not selling any stocks (why would I They're for long-term investments.) During chaotic times people make rash decisions that have life-changing ramifications. Even people who preach "long-term investing" see [--] day then [--] week then [--] month of bad news and eventually capitulate. That decision will haunt them forever. [--]. Build a war chest. I would encourage a 12-month emergency fund. Normally I recommend 3-6 months. During COVID I recommended [--]. Because of the massive uncertainty of the Trump admin I'd recommend being more conservative."
X Link 2025-04-05T17:27Z 299.2K followers, 221.1K engagements
"Hilton brands to boycott include the following: Doubletree Hampton Homewood Suites Embassy Suites Conrad and Waldorf Astoria"
X Link 2026-01-06T18:35Z 299.1K followers, 40.1K engagements
"One of the funniest things in personal finance: If you show people the math of homeownership clearly indicating their $500K house actually costs $1+ million they simply will not believe you. Then they'll change the subject If you're going to buy a home please look at an amortization schedule before you do. That way you can see the total amount of interest due over [--] years BEFORE you make the decision. Don't do so afterwards and then go on social media and complain about all the interest you If you're going to buy a home please look at an amortization schedule before you do. That way you can"
X Link 2026-01-18T12:08Z 299.2K followers, 1.4M engagements
"Easy to see why as a millennial I've become more liberal the older I've gotten When I was a college freshman Bush won the presidency. Since then Republicans have been wrong on every major policy issue of my adult life: Launching wars voting rights torture LGBTQ+ rights taxes social services COVID healthcare school lunch for children vaccines ICE and immigration. Every single one "People always drift right as they get older". Nah mate Millennials put a stop to that shit https://t.co/JfA5hvDqFj "People always drift right as they get older". Nah mate Millennials put a stop to that shit"
X Link 2026-01-23T20:53Z 299.2K followers, 578K engagements
"Awesome comment. When I travel I dont want efficiency. The experience is the point I get to live it [--] times: One in the months/years of planning Two while traveling Three while sharing videos/memories with family & friends This also feels like a uniquely bay area idea: "claude book my entire trip make no mistakes" whereas for most people their vacations are the highlights of their entire year and what they're looking forward to/planning for most of it. First time I put this together was hearing This also feels like a uniquely bay area idea: "claude book my entire trip make no mistakes""
X Link 2026-01-24T13:58Z 299.1K followers, 70.3K engagements
"Watch this. Minnesotans are true American heroes to risk their own lives confronting ICE and protecting their neighbors Fuck ICE The courage of the people of Minneapolis is awe-inspiring. To face down the pedophile fhrer's ICE Nazis who are pointing guns at them. Goddammit these Patriots are heroes. 🙌💪👏✊👇 https://t.co/hzCcSFnOA0 The courage of the people of Minneapolis is awe-inspiring. To face down the pedophile fhrer's ICE Nazis who are pointing guns at them. Goddammit these Patriots are heroes. 🙌💪👏✊👇 https://t.co/hzCcSFnOA0"
X Link 2026-02-03T17:39Z 299.1K followers, 45.7K engagements
"Reading the insane replies to this -- almost all anonymous bots -- is so boring. Nobody takes them seriously any more least of all me We see innocent people kidnapped murdered deported to torture prisons all because of Republican policies. You will be held accountable"
X Link 2026-02-04T00:52Z 299.2K followers, [----] engagements
"@UnclePhillthy Agreed. Most of them are bots but the actual people are just men who failed at the game of life and now want to use the power of the government to feel superior to brown and black people. Absolutely pathetic"
X Link 2026-02-04T18:21Z 299.2K followers, [--] engagements
"Extremely good comment In America the moment you can separate "status" from "owning a house" is the moment you are free Why is a $3M home a status symbol but a $3M portfolio isn't How can someone value "looking wealthy" over having more financial freedom Makes zero sense. Why is a $3M home a status symbol but a $3M portfolio isn't How can someone value "looking wealthy" over having more financial freedom Makes zero sense"
X Link 2026-02-05T14:14Z 299.1K followers, 34.1K engagements
"Taxes can do amazing things Especially when you vote for the political party that wants to feed children Governor Kathy: I want every New York kid to have the fuel they need to succeed. Starting this school year breakfast and lunch are free for all students. https://t.co/HDgUB4OH7s Governor Kathy: I want every New York kid to have the fuel they need to succeed. Starting this school year breakfast and lunch are free for all students. https://t.co/HDgUB4OH7s"
X Link 2026-02-06T01:44Z 299.1K followers, 26.1K engagements
"Dave Ramsey: "It's not really hard to beat the S&P 500" Please reply with one word describing your reaction"
X Link 2023-09-22T01:41Z 299.1K followers, 1.2M engagements
"It's truly amazing how many people will lose literally over [--] MILLION DOLLARS in lifetime earnings because they don't understand averages What's even more amazing is they refuse to learn it"
X Link 2024-03-05T16:26Z 299.1K followers, 64.5K engagements
"Good evening MAGA voters. Thanks to your vote you'll now pay thousands of dollars more per year. Let's begin by taking a tour of your grimy homes. In your kitchen: - Coffeemaker: Likely made in China Thailand or Malaysia. You'll now pay 24%36% more - Sponges: Enjoy the 34%46% tariffs In your bathroom: - Towels: Many are made in India Pakistan or Turkey. Enjoy 26%29% tariffs - Toothpaste & body wash packaging often comes from EU China or Vietnam. 20%34% more In your garage: - Power tools Often made in China Taiwan or Mexico with 32%34%+ tariffs (thankfully I don't have to worry about this one)"
X Link 2025-04-02T23:24Z 299.1K followers, 5.2M engagements
"I love showing my community how to use small amounts of money to change people's lives For example when I travel I tip $20+ per night at hotels. The first time they hear it they think it's crazy. Then they try it and realize how much joy money can bring others around you A nice note to come back to. Tip the people who clean your room when travelling right @ramit (Dont do it to get notes but it was still nice to see this evening) https://t.co/4F37UrSnuI A nice note to come back to. Tip the people who clean your room when travelling right @ramit (Dont do it to get notes but it was still nice to"
X Link 2025-06-23T23:40Z 299.1K followers, 35.7K engagements
"Yes This is how you do it You can also "train" to become better at: - Public speaking - Losing weight / gaining muscle - Money management - Being attractive - Style - Becoming compassionate - Earning more money - Productivity - Posture I beat social anxiety in early 20s by training for it like a sport. Always scan for chances to talk to friendly strangers of diff ages genders ethnicities. Go alone to events restaurants stores etc. Consistently getting your reps in builds resilience to failure/rejection I beat social anxiety in early 20s by training for it like a sport. Always scan for chances"
X Link 2025-12-06T22:24Z 299.1K followers, 879.1K engagements
"Fuck Hilton. Boycott @HiltonHotels One of their independent hotel owners in Minneapolis refused to let ICE stay there so Hilton corporate dropped them as a hotel Americans hate ICE's illegal gestapo soldiers & we can't wait to see them prosecuted. Kudos to any company who stands up against them. .NOT Hilton who we will be boycotting & I encourage you to do the same Statement from Hilton on a recent video https://t.co/W8DWUTWD7f Statement from Hilton on a recent video https://t.co/W8DWUTWD7f"
X Link 2026-01-06T18:26Z 299.1K followers, 760.9K engagements
"Only in America can someone call me Ramit Sethi a "serf" for choosing to rent in amazing cities while saving literally millions of dollars A serf paying rent to their lord is still a serf A serf paying rent to their lord is still a serf"
X Link 2026-01-19T12:24Z 299.1K followers, 27.3K engagements
"Hi Michal sorry for my delay in responding. I've been busy. What were you saying @ramit Bitcoin makes you irrelevant. HFSP @ramit Bitcoin makes you irrelevant. HFSP"
X Link 2026-02-06T01:38Z 299.1K followers, 59K engagements
"Please come on my podcast"
X Link 2026-02-06T16:41Z 299.1K followers, 20.4K engagements
"Hilarious. It is so cool to see a charismatic politician like Mamdani. It helps that he's actually younger than most American politicians. The median age of US Senators is [--] This country is run by a gerontocracy Mamdani: We will also work to welcome more family- and home-based childcare providers into our programs. Child at the podium: A woo woo woo. Mamdani: Thats how I felt when we came up with this plan. Together we will expand the idea of what is possible in our cityand what https://t.co/fMClj9Tosk Mamdani: We will also work to welcome more family- and home-based childcare providers into"
X Link 2026-02-06T21:48Z 299.1K followers, 33.6K engagements
"Trump an open racist for decades posted this image today. 90% of Republicans still support him This is why it's GOOD to ask friends who they voted for & decide if you'll allow them in your life. Racists and their supporters should be shunned from society"
X Link 2026-02-07T00:02Z 299.1K followers, 51.8K engagements
"MAGA threatens to never buy my books again but we all know this is the last time they ever read one @ramit This is a very stupid take. Ill make sure to not buy another book from you again. @ramit This is a very stupid take. Ill make sure to not buy another book from you again"
X Link 2026-02-07T01:20Z 299.1K followers, 14.1K engagements
"You absolutely must read the comments from MAGAs desperately trying to spin this. Its some of the most pathetic reasoning Ive ever seen. Keep going guys its going great for you"
X Link 2026-02-07T01:21Z 299.1K followers, 16.7K engagements
"lmaoo instead of talking about "re-education camps" for Republicans how about we just start with "education" @leximeier @ramit @JillPleeter re-education camps right @ramit @leximeier @ramit @JillPleeter re-education camps right @ramit"
X Link 2026-02-07T14:13Z 299.1K followers, 40.7K engagements
"If you are dating someone who talks like this it means they have a high school education School is literally created to indoctrinate people to the state. Every single society that has ever created schools as "the norm" did so because they fought wars and needed the kids to be invested in the state propaganda basically This doesnt all have to be bad necessarily School is literally created to indoctrinate people to the state. Every single society that has ever created schools as "the norm" did so because they fought wars and needed the kids to be invested in the state propaganda basically This"
X Link 2026-02-07T21:27Z 299.1K followers, 50.5K engagements
"Insightful. If you're in your early 20s and a high achiever one of the best things you can do is move to a big city There are more people more new ideas and more opportunities that you'll naturally meet on a daily basis. You can literally change the trajectory of your entire lineage If however your favorite podcaster tells you that Big Cities Are Crime-Ridden And Scary -- and you choose to believe this idiocy -- it's very likely you'll dramatically limit your choices for careers relationships and self development Big cities aren't for everyone. But when you make this important life decision"
X Link 2026-02-07T23:13Z 299.1K followers, 46.1K engagements
"This is a great use of money Consider hiring tutors/coaches for Baby (sleep feeding) Style Posture Personal training Language learning Travel points optimizer Sleep consultant CPR instructor Dietitician Therapist Cooking instructor Defensive driving teacher I'm looking for an AI tutor. Someone NYC based to come sit next to me and show me all the latest ways people are using AI. DM me if interested. I'm looking for an AI tutor. Someone NYC based to come sit next to me and show me all the latest ways people are using AI. DM me if interested"
X Link 2026-02-08T19:40Z 299.1K followers, 36.3K engagements
"@KeenanPeachy Sounds amazing. LA needs lots of new housing so young people can afford to live here. Thanks for spreading the word"
X Link 2026-02-08T20:04Z 299.1K followers, 16.2K engagements
"There's a surprising pattern of people who were 14-18 years old when their dads lost their job causing the family finances to disintegrate -- lost house divorce etc -- & the family never recovered The most surprising part is the narrow age range that this seems to happen"
X Link 2025-09-25T16:24Z 299.1K followers, 523.4K engagements
"No individual investor should use Robinhood They've weaponized trading to individual investors' detriment Avoid RH and instead use a long-term low-cost investment firm like Vanguard or the other ones I recommend in my book"
X Link 2021-08-06T20:07Z 299.1K followers, [---] engagements
"Really funny. More out-of-touch financial advice: - "Tip $20 at the hotel checkin to get upgraded" - "Be really nice to the airline attendant and they'll upgrade you" - "Just buy stocks of companies you use and you can't go wrong" - "Owning a house is the American Dream" The whole "GUYS just don't say WEDDING" advice is one of those things that immediately tells you the person is out of touch with how weddings work these days The whole "GUYS just don't say WEDDING" advice is one of those things that immediately tells you the person is out of touch with how weddings work these days"
X Link 2026-02-14T00:41Z 299.1K followers, 151.5K engagements
"Everyone tells you to save money but very few people teach you how to spend money meaningfully Consider: - If I handed you $20000 right now what would you spend it on That's probably your Money Dial - Money Dial: An area of life you can turn up or down. Most common: Food travel health/wellness. My personal Money Dial is convenience - Once you identify your Money Dial ask yourself: If I could spend 4x as much on this what would I do This is how you can start to spend extravagantly on the things you love - Then you can identify other parts of your life that are NOT important -- and cut costs"
X Link 2026-02-08T02:38Z 299.1K followers, 30.1K engagements
"Every affected hospital in rural America should have a MASSIVE sign that says "This hospital is closed because of Donald Trump." I will help fund this. If you run an organization that can lead this please get in touch"
X Link 2026-02-08T23:00Z 299.1K followers, 13.1K engagements
"Heres the scenario: Youre in your early 40s with [--] young kids (2 with special needs) Household income: $155K/year $544K in total debt $1662 in savings 92% fixed costs What would you do"
X Link 2026-02-11T02:56Z 299.1K followers, 38.4K engagements
"It is extremely difficult to change this mindset almost impossible. It can be done but most people do not actually see their cheapness as a weakness. They actually see it as a virtue"
X Link 2026-02-12T13:35Z 299.1K followers, 11.5K engagements
"If you're serious about building wealth go beyond just "accumulating more" You should carefully study the QUALITY of different types of assets not just the QUANTITY For example if you have the bulk of your net worth in your primary residence can you easily use it The truth about millionaires in America: -Half have less than $2M in net worth (and less than $340k in liquid assets). -Most are NOT business owners. -Almost all are house/401k rich but cash poor. Is this what you expected https://t.co/mBwNgOOZp0 The truth about millionaires in America: -Half have less than $2M in net worth (and less"
X Link 2026-02-13T01:09Z 299.1K followers, 32.6K engagements
"No this quote is unacceptable. Trump voters knew exactly what they were voting for because this is what Republicans stand for: - Mass illegal deportations with gruesome deaths and family separations - Unchecked power on the police and federal agents - Widespread corruption with billions of dollars flowing to the Trump family - Voter restriction specifically targeting minorities and young people - Trillions of dollars of deficits to give unnecessary tax cuts to wealthy people like me - No healthcare reform Do not lie. You knew and I hope your friends/family hold you accountable. Until you"
X Link 2026-02-15T00:33Z 299.1K followers, 66.3K engagements
"@harveymw27 Your inability to acknowledge basic facts is why your marriage ended in 2022"
X Link 2026-02-15T01:07Z 299.1K followers, [----] engagements
"Should I text my parents and ask if theyre ok with me not becoming a doctor lol"
X Link 2023-04-23T20:38Z 299.3K followers, 170.7K engagements
"This is funny. I have multiple wealthy friends who've told me they want to travel like I do. I offer to plan their entire trip for free with one catch -- I need an unlimited budget (which they can easily afford) They never take me up on it @ramit Maybe this will be the first person that lets you plan a trip for them. @ramit Maybe this will be the first person that lets you plan a trip for them"
X Link 2024-02-02T23:41Z 299.3K followers, 29.8K engagements
"I have spoken to literally thousands of MAGAs over [--] years and literally 0% of them -- ZERO -- will even google a single fact"
X Link 2025-09-17T20:46Z 299.3K followers, 31K engagements
"Say thank you for NYC providing the talent and infrastructure for your business to thrive Thank you to the US government for taxing wealthy people and providing social services to the poor and middle class Say thank you Ricky instead of pretending you're going to leave NYC because of a tiny marginal tax increase and a new mayor who focused on middle-class New Yorkers Signed Another Rich Guy Who's Not Leaving NYC Because Of Taxes"
X Link 2025-11-08T15:55Z 299.3K followers, [----] engagements
"I've paid well over $2 million in rent and I've made more money renting than I would have made owning -- and lived in better properties in better locations with near-zero maintenance I want every person to run the numbers on the biggest financial decision of their lives @ramit I did the math for you. If you are paying $2500 a month in rent today and that rent increases 5% per annum in [--] years your monthly rent will be $10800. Over that period of time you will pay a cumulative $2 million in rent. Thats a lot of money for a shitty one bedroom @ramit I did the math for you. If you are paying"
X Link 2026-01-18T16:20Z 299.3K followers, 286.1K engagements
"Personal finance riddle: How can I own lots of equity but not own a house @BelangerTrading I have lots of equity. I just don't own a house @BelangerTrading I have lots of equity. I just don't own a house"
X Link 2026-01-19T20:16Z 299.3K followers, 44.6K engagements
"I talk to men like this on my podcast. After a few minutes of observing him & his wife talking I notice something Ramit: Do you ever ask your wife questions about money Hell think about it. No Do you ever ask her questions about anything No I guess not @jess_ann_pin No I just never met a smart woman. I've dated 50+ women including doctors lawyers and women who think theyre smart. Its bc culture tells them they are but behind closed doors its never true. @jess_ann_pin No I just never met a smart woman. I've dated 50+ women including doctors lawyers and women who think theyre smart. Its bc"
X Link 2026-01-21T11:44Z 299.3K followers, 303.4K engagements
"Do not look away. You are living through history Conservatives have unleashed thousands of masked militiamen across America arresting assaulting even killing innocent people This is one of our country's most shameful chapters Photographer @mostafabassim1 photographed this boy walking home alone with a snack being "randomly" approached by DHS. "After he was unable to produce documentation proving his citizenship agents informed him that he was under arrest." He said "Can I just go home" Answer: No. https://t.co/djkVP8YuUK Photographer @mostafabassim1 photographed this boy walking home alone"
X Link 2026-01-21T19:35Z 299.3K followers, 289K engagements
"Keep an eye out for the new Money For Couples billboards in NYC and LA Thanks to our partner @spotify"
X Link 2026-01-22T16:00Z 299.3K followers, [----] engagements
"Here's how to design a Rich Life in [----] step by step: - Choose a 1-word theme - Pick [--] anchor experiences (1 big [--] small) & price them adding a 15% buffer - Automate savings. Redirect funds from low-joy areas - Book one thing in the next [--] days To do this.(continued)"
X Link 2026-01-22T22:02Z 299.3K followers, [----] engagements
"NYC people: What's a name for the rage you feel when walking behind someone you know is going too slow because they're on their phone Any1"
X Link 2017-03-22T00:38Z 299.3K followers, [--] engagements
"Rare behind-the-scenes info from an author friend of mine. There's still value in national media but it isn't nea http://ift.tt/2pH2VQy http://ift.tt/2pH2VQy"
X Link 2017-05-04T01:35Z 299.3K followers, [--] engagements
"Compound interest whats something that people dont understand until they experience themselves whats something that people dont understand until they experience themselves"
X Link 2026-02-10T09:19Z 299.1K followers, 41.6K engagements
"I'm recording videos. Who has an advanced business question I can answer for you"
X Link 2017-06-20T19:23Z 299.1K followers, [--] engagements
"When I wrote that I encourage you to spend "extravagantly on the things you love as long as you cut costs mercilessly on the things you don't" I meant every word What do you spend "extravagantly" on @ramit While seemingly counterintuitive spending an uncomfortable amount on 1) unforgettable experiences in an area you love (sports games concerts vacations) or 2) big wins with a multiplier effect (eating working out sleeping) is unbelievably liberating and rewarding. @ramit While seemingly counterintuitive spending an uncomfortable amount on 1) unforgettable experiences in an area you love"
X Link 2018-08-08T19:02Z 296.7K followers, [--] engagements
"Anyone else get overwhelmed when food places have "trash" + "compost" + "recycling" bins I just throw everything in trash. Yes I am in SF"
X Link 2011-08-16T19:13Z 296.5K followers, [--] engagements
"Read Charlies advice below. He is 100% correct but Ive learned people HATE hearing this. Sexy sells. Telling people to invest in mostly index funds does not. But it works. Sexy: options Bitcoin & for weight loss keto Boring but works: index funds calorie counting None. I would recommend that a beginner avoid options at all costs. Same answer would apply to most professionals in this business. None. I would recommend that a beginner avoid options at all costs. Same answer would apply to most professionals in this business"
X Link 2018-12-18T16:26Z 296.7K followers, [---] engagements
"What are the coolest things to see near downtown LA And who should I meet (Already have restaurant recommendations.) Thank you in advance"
X Link 2019-02-11T20:52Z 296.6K followers, [---] engagements
"I'll start: I LOVE new PF blogs getting covered in major media. I DON'T like formerly great blogs reduced to just writing abt new ING int %"
X Link 2010-04-01T18:38Z 296.5K followers, [--] engagements
"Hey guys. I was told that REAL ESTATE ONLY GOES UP. After all rent is just THROWING MONEY AWAY. Right So how can you explain this Guys https://x.com/Dennis_Rodkin/status/1151182614922969088 This house sold for less than it went for [--] year ago when it was new. It's in St Charles built in [----]. Sold Oct 2001: $760000 Sold July 2019: $595000 (-21.7% in [--] years) https://t.co/jTFvyDp8FI https://x.com/Dennis_Rodkin/status/1151182614922969088 This house sold for less than it went for [--] year ago when it was new. It's in St Charles built in [----]. Sold Oct 2001: $760000 Sold July 2019: $595000"
X Link 2019-07-16T20:29Z 296.6K followers, [---] engagements
"@NickDSO Hmm.can you send me the URL you tried"
X Link 2009-01-28T07:32Z 296.6K followers, [--] engagements
"A friend in SF told me about going to celebrate with an entrepreneur who just sold his company The entrepreneur wanted to go to the ATM to see his bank balance. He checked. It was $220000000 Then they decided to celebrate.by going to McDonald's Love it"
X Link 2019-11-01T16:39Z 296.7K followers, [----] engagements
"Someone just told me I helped them make $25000 in the last [--] weeks but they don't want to pay me for further stuff. Hmm.investigating"
X Link 2010-04-12T20:20Z 296.5K followers, [--] engagements
"Design & architecture in Kyoto. Come with me into a 300-year old home still lived in by the same family"
X Link 2019-12-29T16:45Z 299.1K followers, [---] engagements
"I love these crackpot emails I get telling me that 7-8% returns are boring A dude in Peoria who cant even take his dirty dishes to the kitchen has spent the last [--] years chasing alpha and insisting that index funds are stupid What world do I live in"
X Link 2020-01-09T18:45Z 296.7K followers, [---] engagements
"If you're in your 30s working at a job: * What's different about working NOW vs. in your 20s * Has anything changed about your goals & what's important to you now vs. your 20s"
X Link 2020-05-08T17:52Z 296.6K followers, [---] engagements
"Do you agree or disagree with Noah What are the things to take into consideration to decide what's right for you I'll leave my thoughts in comments below. Fascinating that the richest people I know rent their houses. Fascinating that the richest people I know rent their houses"
X Link 2021-03-05T00:26Z 296.7K followers, [---] engagements
"4 signs you might want a financial advisor [--]. You have $1 million+ in investable assets [--]. You have a complex financial situation [--]. You want a temporary "second set of eyes" on a specific question [--]. You want a behavioral coach (If so I recommend fee-only advisors)"
X Link 2021-04-20T17:38Z 298.1K followers, [---] engagements
"A lot of you believe that rich people have access to better investments In most of life the more $ you have the better quality you can get: food travel housing But in personal finance -- with rare exceptions -- it's not true This is EXTREMELY hard for people to believe👇"
X Link 2021-05-27T19:26Z 297.9K followers, [---] engagements
"I received this message which led to one of the most interesting money conversations I've ever had Their actual net worth: $13 million. $3mm income. And he's so cheap that his wife is threatening to leave him Before I go on what do you think happened on the call 👇"
X Link 2021-12-07T18:31Z 296.7K followers, [---] engagements
"Whats the most youve spent on a vacation Was it worth it Why or why not"
X Link 2022-01-06T19:30Z 299.3K followers, [---] engagements
"If you could have ANY negotiation script (besides credit card overdraft fee etc) what would it be Please be SPECIFIC"
X Link 2010-06-02T16:57Z 296.5K followers, [--] engagements
"Some of you are doomed (via /r/costco)"
X Link 2022-06-20T13:29Z 296.7K followers, [---] engagements
"This is one of the most insane contracts I have ever seen"
X Link 2022-07-12T00:09Z 296.8K followers, [----] engagements
"There is a guy in my mentions trying to convince me that paying 1.75% fees for cash value life insurance is a good investment because it is a "Roth IRA on steroids" 1.75% fees mean you will pay roughly 45% of your returns to fees"
X Link 2022-07-25T17:53Z 299.1K followers, [--] engagements
"What is a subtle sign of wealth"
X Link 2022-07-31T14:00Z 296.6K followers, 12.2K engagements
"I asked @matthewhussey to respond to this meme"
X Link 2023-01-03T19:17Z 299.2K followers, 38.8K engagements
"Loved hanging with @patio11 in Tokyo"
X Link 2023-03-12T21:18Z 296.7K followers, 42.6K engagements
"@LiebermanAustin @MichaelKitces @DanielYerger3 @jasonfrieds @FiSurgi A 1% fee compounded over years is an extremely large number -- one that most people are totally unaware of. This is one of my primary points"
X Link 2023-06-07T10:55Z 296.6K followers, 82K engagements
"What happens when you're in the FIRE community you save millions of dollars and suddenly it's time to start spending it. .but you just can't Meet Mindy & Carl my [--] guests today who have saved $4.3 million -- but they struggle to spend any of it Link below"
X Link 2023-06-20T15:58Z 296.5K followers, 76.3K engagements
"Investing should be boring My personal philosophies: - No investing apps on my phone - No trading - No timing the market - Automatic investing - Annual rebalancing (if that) - 7% is good - Patience & no FOMO - Live a Rich Life today and a richer life tomorrow"
X Link 2023-06-21T15:27Z 299.1K followers, 78.2K engagements
"I shared the story of spending more $ to buy nice shoes -- and keeping them for years including getting them repaired On my newsletter I asked people to share their stories of buying something important and keeping it for a long time I love these responses"
X Link 2023-06-25T19:40Z 299.1K followers, 27.4K engagements
"Wells Fargo & Bank of America are the worst banks in the country If you use them you're asking to get ripped off"
X Link 2023-07-11T14:58Z 296.5K followers, 119.7K engagements
"Loving these thoughtful comments on my @CBSEveningNews piece pointing out that renting can be a good financial decision for many people"
X Link 2023-07-14T21:50Z 299.2K followers, 63.2K engagements
"I love taking you on behind-the-scenes tours of hotels around the world. I love nice hotels. And I love appreciating the tiny little details At our hotel in Tokyo they knew we don't drink that much. Instead they gifted us a beautiful box full of perfect hand-picked berries"
X Link 2023-08-09T13:11Z 296.7K followers, 49.7K engagements
"If you followed the advice in this book over the last [--] years you never had to think about ICOs SPACs ETH altcoins any crypto at all timing the market i bonds treasury bills HYSA interest rates or churning CCs. .and you made a lot of money while living a Rich Life"
X Link 2023-08-25T18:35Z 296.5K followers, 18.2K engagements
"No thanks. All individual investors should avoid Robinhood"
X Link 2023-09-17T23:46Z 299.2K followers, 98.8K engagements
"I feel so sorry for people who hear stuff like Dont buy lattes and believe money is all about restriction and budgeting"
X Link 2023-09-20T20:06Z 296.7K followers, 14.5K engagements
"How it feels to not pay 28% of my lifetime returns to someone who will put me in a mutual fund with a 5.75% front-end load and 0.6% expense ratio"
X Link 2023-09-22T18:23Z 296.7K followers, 47.9K engagements
"During our last trip in Tokyo we visited the Imperial Palace The palace grounds are so visually striking like its straight out of a movie & the light was amazing (During Japans real estate bubble in the 80s the palace was worth MORE than all of Californias real estate)"
X Link 2023-09-22T20:49Z 296.7K followers, 20.8K engagements
"What are some surprising ways you've seen people buy back their time From my own life: personal trainer executive assistant someone to book international flights based on miles healthy food What have you seen"
X Link 2023-10-03T18:21Z 296.5K followers, 59.7K engagements
"Think a 1% fee isnt much Heres the surprising math behind paying 1% to a financial advisor. Lets say youre [--] years old and you invest $50000 and contribute another $1000 a month. (The first thing you want to do when picking your funds is to minimize fees. Look for the management fees expense ratios to be low around 0.2% and youll be fine. Most of the index funds at Vanguard T. Rowe Price and Fidelity offer excellent value.) In [--] years with a low 0.2% management fee and assuming a 7% return youd have just over $2000000. But if you pay a financial advisor 1% youd only have $1700000. Thats"
X Link 2023-10-20T15:47Z 298.1K followers, 214.2K engagements
"One funny comment I get: "Are you just going to rent forever What happens when you retire" They genuinely don't understand that if you build a large enough portfolio it pays your expenses in perpetuity (yes even housing) You know like exactly the way retirement works This is a good example of how shows most people's understanding of personal finance is only surface level. They do not see a connection between (1) renting + investing the difference and (2) saving for retirement even though they are exactly the same concept. And actually I don't blame them For example when it comes to my car I"
X Link 2023-10-30T15:14Z 296.8K followers, 37.5K engagements
"Tomorrow Im giving you word-for-word scripts on how to get out of a 1% relationship with your financial advisor"
X Link 2023-11-03T20:04Z 298.1K followers, 21.9K engagements
"During our honeymoon my wife and I visited Kenya and went on safari. I wanted to take as many photos as I could to document this experience but I wasnt satisfied with what I was getting from my iPhone. I thought a professional camera would be the answer so I rented one from the lodge we were staying at. Everyone can take a picture I thought. This cant be that hard. But the pictures I took still sucked. Defeated I decided to hire the photographer-in-residence at our lodge for help. The results were dramatic. I went from this: To this: Notice the differences in focus composition and visual"
X Link 2023-11-23T20:41Z 296.5K followers, 106.2K engagements
"The higher my tax rate the more grateful I become Because income taxes are marginal paying more in taxes means I've added enough professional value that my income has gone up After some basic tax minimization (e.g. 401Ks) I don't chase hyper-optimization for taxes. I consider that letting the tax tail wag the dog For example I don't move to a low-tax state to save money on taxes. I make enough money to live wherever I want Politically I believe the wealthy should pay more in taxes (including me). Of course I don't agree with how all of my tax dollars are used which is why I vote for who"
X Link 2023-11-27T16:27Z 296.5K followers, 86.9K engagements
"Sorry if I'm slow to respond to emails. I was out shopping for an $8900 pair of vicuna sweatpants which are definitely an "investment" because they make me feel more confident in myself and therefore grow my career and income. Honestly confused how it's even a question whether this is a good investment or not https://twitter.com/ramit/status/1731049816422072819 https://twitter.com/ramit/status/1731049816422072819"
X Link 2023-12-02T23:09Z 296.5K followers, 298.8K engagements
"@NewRetirement Very nice touch to match those"
X Link 2023-12-03T01:15Z 296.6K followers, [----] engagements
"Everybody ask your parents how much they're paying their financial advisor and let me know how it goes"
X Link 2023-12-25T23:31Z 298.1K followers, 408.8K engagements
"Since we had that cheap billionaire who feigned outrage at an $85 breakfast at the Carlyle hotel I thought I'd share some of the best hotel breakfasts I've had This was at Amanpuri in Phuket. Easily the best hotel breakfast I've ever had. This was the last place my wife and I stayed at the end of our honeymoon. We loved it. At one point she asked the waiter if she could get the recipe for one of the dishes. The server said "One moment" and came back with the head chef. The chef said "I understand you'd like to know the recipe. How about we arrange a cooking class for you Would this afternoon"
X Link 2024-02-29T15:41Z 298K followers, 113.9K engagements
"The majority of my net worth is in index funds. Here are some lesser-known benefits of this strategy: - SAVED TIME: I have zero need to track the market of stocks altcoins or real estate prices. I spend less than [--] hours/month on my finances total. - EASY TO PROJECT: Fairly predictable returns make it easy to project my future. For my calculations I assume a conservative 7% which allows me to project [--] [--] even [--] years ahead letting me live a Rich Life today and a richer life tomorrow. - MORE MONEY FOR ME: I will save tens of millions of dollars in fees by not paying advisory fees"
X Link 2024-03-11T18:08Z 296.5K followers, 133K engagements
"With a Traditional IRA the distributions are taxed according to your tax bracket at that point. If tax rates fall in the future then youll pay less taxes. But its hard to predict which way taxes will go. If your career goes well then its very likely that you will be in a higher tax bracket closer to retirement increasing the tax on the distributions. On the other hand the distributions from a Roth IRA are TAX-FREE. For more information on investing check out my free Money Made Easy mini-course: https://iwt.com/money-twitter https://iwt.com/money-twitter"
X Link 2024-03-22T16:06Z 296.6K followers, [----] engagements
"I'm enjoying the racist comment from Bart Stevens a CFP in Texas at Mayfield Stevens He suggests that "my kind" stop "shitting in the streets." He also calls women "whores" and "baby making machines" Would you hire a financial planner like Bart"
X Link 2024-05-05T16:22Z 297.9K followers, 234.8K engagements
"More comments from Bart Stevens CFP in Texas"
X Link 2024-05-05T16:25Z 297.9K followers, 45.6K engagements
""Hank Rearden" is Bart Stevens CFP from Mayfield Stevens Financial Advisors Reading what else he's written on Twitter.yikes"
X Link 2024-05-05T16:28Z 297.9K followers, 54.2K engagements
""How can a 1% financial advisor fee cost you 28% of your lifetime returns" There is an excellent thread of extremely savvy responses in this Reddit thread showing how a 1% fee can equal you paying tens of thousands -- or hundreds of thousands of dollars -- in fees Link below"
X Link 2024-05-16T15:27Z 296.6K followers, 37.9K engagements
"Great article on renting vs. buying in the NY Times by @pauletteperhach Examples include cities where it's much cheaper to rent people who are "house poor" and why you should carefully run the numbers. If you decide to rent it's critical that you invest the difference"
X Link 2024-05-19T11:58Z 296.5K followers, 25.2K engagements
"Someone asked if they should hire a business coach Most of the comments are very dismissive. One person says Ive worked with a lot of wealthy people. Ive never heard of them using a business coach Then the wealthy people share their actual experience"
X Link 2024-05-20T17:11Z 299K followers, 13.8K engagements
"You can get better investment returns than 85% of Wall Street portfolio managers by setting up an automatic monthly investment to a low-cost index fund and not touching it"
X Link 2024-05-24T16:22Z 296.5K followers, 157.8K engagements
"When you read this comment what's your first reaction"
X Link 2024-06-04T16:29Z 299K followers, 96.3K engagements
"Good afternoon. The internet informed me that using a HELOC for home renovation is a great investment that always increases the value of your house So I took their advice and made some small improvements knowing that I will make all my money back & more. Thank you"
X Link 2024-06-21T19:54Z 299K followers, 26.2K engagements
"Another guy backs down when I offer a $1 million bet that I'm not a secret landlord Give me [--] more years. I truly think some hothead is going to take the bet because they don't believe I rent. That will be the best day of my life"
X Link 2024-06-26T17:42Z 299K followers, 59.1K engagements
"@KJC225 All of that sounds great. Can't you do that with a tiny fraction of $10mm"
X Link 2024-07-10T20:25Z 296.7K followers, 12.8K engagements
"1. The perfect morning routine won't make you rich [--]. Building an entire life to minimize taxes is a waste of time [--]. Your handbag and personal trainer are not investments And [--] more in this new video: Brutally Honest Financial Advice to Fix Your Sh*t https://youtu.be/Dd_GtuRjdsgfeature=shared https://youtu.be/Dd_GtuRjdsgfeature=shared"
X Link 2024-07-11T21:23Z 296.5K followers, 13K engagements
""Should I tell my wife to stop spending $45 on burgers" This is really bad If you & your partner have separate "no-questions-asked" accounts (which I recommend) don't question their spending in those areas or you'll violate the entire trust of your financial relationship"
X Link 2024-07-21T23:10Z 299.2K followers, 21K engagements
"Some of the arguments against running a simple buy-vs-rent analysis are becoming a little absurd"
X Link 2024-07-27T14:34Z 299K followers, 14K engagements
"As expected the guy who bet me $1000 that Trump had zero convictions now refuses to pay (by creating several new rules) https://x.com/theAlphaAddict/status/1817578307212447754 https://x.com/theAlphaAddict/status/1817578307212447754"
X Link 2024-07-28T15:13Z 299.2K followers, 14.9K engagements
"Guys in my comments will dress in 100% cashmere from a villa in Lake Como and then go Im not wealthyIm just comfortable"
X Link 2024-09-13T16:46Z 299K followers, 14.3K engagements
"When I speak to couples it's striking how every man has the same invisible script: "I'm the provider" That can be positive But when they lose a job or their partner earns more than them they're often lost I ask: "Who are you if you're not a provider" They have no answer"
X Link 2024-09-27T16:22Z 299K followers, 28.9K engagements
"Generational wealth is not just giving your kids a big check or a house This is generational wealth too"
X Link 2024-09-30T20:03Z 299K followers, 35.7K engagements
"Wow I didnt realize my advice of run the numbers before making the biggest purchase of your life could be so dangerous"
X Link 2024-10-05T13:43Z 299K followers, 47.8K engagements
"What do you notice If you invest $1000/month. [--] years: $73839 [--] years: $177403 [--] years: $322656 [--] yrs: $526382 [--] yrs: $812117 [--] yrs: $1212876 [--] yrs: $1774961 [--] yrs: $2563314 [--] yrs: $3669021 (7% returns already factor inflation in)"
X Link 2024-10-21T15:24Z 299.1K followers, 56.1K engagements
"Guys I don't think he wants to follow through on our $50000 bet. This was his response when I followed up with him @ramit I was wondering if you could just shut the fuck up & go suck some dick you dumb fucking Indian @ramit I was wondering if you could just shut the fuck up & go suck some dick you dumb fucking Indian"
X Link 2024-11-01T02:28Z 299K followers, 46.8K engagements
"Every [--] months Republicans trot out a new bogeyman to scare their base keeping them riled up & unaware that Republicans have zero policy proposals to improve life for the average voter Watch: Whatever happened to the scary warnings about. Only 3% of Black voters say immigration is the top issue for them in the [----] election Only 3% of Black voters say immigration is the top issue for them in the [----] election"
X Link 2024-11-05T02:18Z 299K followers, 83.5K engagements
"This is an interesting idea"
X Link 2024-11-18T22:43Z 299.2K followers, 10.5K engagements
"Writing a book on unhappiness should be an easy task for the average American who excels at making choices that actively make them unhappy while believing they are doing the right thing: - Believing above all that their lives are better in an individualistic society. The more they forsake community the more unhappy they are leading them to resort to even more hyper-individualism. For example. - Moving far away from friends & family to pursue the "American dream" of buying a house which involves a long commute non-walkable neighborhood & no family support to raise a family. The result: lonely"
X Link 2024-11-24T20:17Z 296.7K followers, 33K engagements
"The year is [----]. Your family has been in the United States for generations but you failed to use your social capital to achieve anything. You have no career no relationship and nobody follows you online. You're left posting racist stuff on twitter & bragging about your TV"
X Link 2024-11-28T02:01Z 299K followers, 21.6K engagements
"People who own this sweater have a median net worth 10x the median Uniqlo buyer which is why you should buy this sweater to become wealthy"
X Link 2024-12-18T16:56Z 297.7K followers, 26.8K engagements
"POV: You grew up believing you were entitled to be success but life passed you by and you dont understand why You could: [--]. Take a hard look in the mirror at your work ethic also taking into account structural forces [--]. Become an anon account hurling racist insults online"
X Link 2024-12-18T18:43Z 299K followers, 11.1K engagements
"Be very careful about using your identity as a cage"
X Link 2024-12-19T20:02Z 299.2K followers, 10.5K engagements
"'Wow cool that Amazon emailed [-----] people who follow me there' 'Oh nice They also featured @morganhousel and @JLCollinsNH and Rob--OH GOD'"
X Link 2024-12-23T21:06Z 299.2K followers, 16.7K engagements
"Have you ever listened to my podcast @ramit I dont think couples fight over $20 lol @ramit I dont think couples fight over $20 lol"
X Link 2024-12-28T17:14Z 299.2K followers, 25.8K engagements
"Hello NYC. It is SO UNFAIR that I have to pay $11200 for this vicuna sweater from Loro Piana. Why doesn't the government subsidize my luxury purchase to make it easier for me a rich guy to afford this So unfair Anyway about to jump in my car and drive downtown"
X Link 2025-01-06T21:50Z 297.9K followers, 21.8K engagements
"Extremely funny watching conservatives become so emotional about congestion pricing that they're suddenly concerned about poor people"
X Link 2025-01-08T15:32Z 299K followers, 12.8K engagements
"Its actually a good thing that so many Trump supporters are losing their money in crypto scams. Republicans have been insulated from their poor decisions for too long. They repeatedly vote against their own interests only to be saved by Democrats (e.g. Obamacare disaster relief funding for public education). Good news You learn when you face the consequences of your actions"
X Link 2025-01-20T17:35Z 299.3K followers, 110.9K engagements
"HEY RAMIT STOP TALKING ABOUT THE POLITICAL CRAP IN MONEY INCLUDING HOUSING HEALTHCARE TAXES EDUCATION CHILDCARE RETIREMENT SOCIAL SECURITY INFRASTRUCTURE & URBAN PLANNING CAMPAIGN FINANCE LAWS CONSUMER PROTECTION INSURANCE MILITARY SPENDING IMMIGRATION & ENERGY"
X Link 2025-02-06T02:24Z 299.2K followers, 21.9K engagements
"Absolutely amazing. I got exactly ZERO emails from people admitting they lost money with $trump coin Guys where'd you go I love an entire industry where people brag about making money but when they lose they instantly vanish If you are one of the [------] people who lost money on the Trump coin I want to hear from you Please email me: ramit.sethi@iwillteachyoutoberich.com subject $TRUMP COIN I can keep you anonymous If you are one of the [------] people who lost money on the Trump coin I want to hear from you Please email me: ramit.sethi@iwillteachyoutoberich.com subject $TRUMP COIN I can keep"
X Link 2025-02-11T14:08Z 299.2K followers, 55.7K engagements
"This is why it's so important to live a Rich Life today and a richer life tomorrow"
X Link 2025-02-12T15:38Z 299.2K followers, [----] engagements
"10 things Republicans have done in the last [--] month [--]. Republicans ended the Direct File program which allowed you to easily file your taxes online for free. [--]. JD Vance blamed "DEI policies" for a deadly crash between an airliner and military helicopter"
X Link 2025-02-12T21:51Z 291.7K followers, 376.4K engagements
"7. Trump continues to stigmatize transgender people. Out of [------] athletes competing at the collegiate level there are fewer than [--] who publicly identify as transgender said the NCAA president"
X Link 2025-02-12T21:51Z 291.4K followers, 60.6K engagements
"8. Trump has rolled out an entire mechanism against DEI. MAGAs are slowly realizing that white women are one of the largest recipients of DEI policies as are American farmers military members and rural white Americans"
X Link 2025-02-12T21:51Z 291.5K followers, 28.2K engagements
"CORRECTION: Republicans haven't yet ended Direct File. They're trying to but it hasn't happened yet. I apologize for the mistake"
X Link 2025-02-12T22:11Z 291.4K followers, 36K engagements
"When someone tells me "homeowners have [--] times the net worth of renters""
X Link 2025-02-14T14:37Z 291.5K followers, 56.9K engagements
"I always love these comments because I tell them that yeah man people who wear Brunello Cucinelli also have 500x the net worth of H&M customers so if you buy a $3000 sweater you'll become wealthy Right They get very mad"
X Link 2025-02-14T14:42Z 291.4K followers, 12.6K engagements
"5 subtle signs of financial abundance [--]. Being first to reach for the check & happily pay it [--]. Occasionally realizing you missed the window to return something and shrugging knowing sometimes mistakes happen [--]. Being happy to pay your taxes [--]. Being willing to try a new dish a new vacation a new concert with the understanding that sometimes it just wont be great and thats fine [--]. Admitting that youre wealthy. Not saying I dont feel rich or Im comfortable. Owning your success hard work and good luck What would you add"
X Link 2025-02-16T00:17Z 295.6K followers, 42.3K engagements
"Ramit made far more from index funds than he ever made from his book"
X Link 2025-02-17T00:07Z 291.5K followers, 21.9K engagements
"Frank (29) and Jill (33) have [--] young kids and are trapped in a vicious cycle of overspending and debt. With fixed costs exceeding their income and $25000 on credit cards theyre only going further into debt. The panic-induced balance transfers and emotional spending paired with little communication has put a wedge in their marriage. Can Frank and Jill cut spending break old habits and build a stable financial future for their familyor will they let the weight of their debt pull them down"
X Link 2025-02-18T14:02Z 291.6K followers, [----] engagements
"This is extremely common: "Inflation is killing us" Reality: Never tracks grocery spend and buys whatever package looks cool "Childcare costs doubled" Reality: You had a second kid "The economy is out of control" Reality: You just spend $65000 on a home reno"
X Link 2025-02-19T22:23Z 291.7K followers, 18.9K engagements
"Looking at this data its extremely funny that people STILL argue with me when I say run the numbers because sometimes renting can be a better financial decision I recently saw some comments accusing me of being a secret landlord & I went scorched earth on them. Enjoy Housing affordability got cookedFAST Annual U.S. household income needed to purchase typical U.S. home: Jan. [----] - $51646 Jan. [----] - $51740 Jan. [----] - $62669 Jan. [----] - $86184 Jan. [----] - $92006 Jan. [----] - $92538 5-year shift: +79% Housing affordability got cookedFAST Annual U.S. household income needed to purchase typical"
X Link 2025-02-20T07:09Z 291.6K followers, 19.1K engagements
"Now that Trump supporters are starting to lose their jobs youll notice something very curious: Whenever they post about their lives being ruined they always say I voted for Trump This is classic cult dynamics. Theyre unable and unwilling to make the connection that the Republican Party is the cause of their woes it would be psychologically devastating to acknowledge they voted for their own demise. To reduce the dissonance they simply assume it must be some kind of mistake. Youll see this over and over"
X Link 2025-02-24T00:05Z 299K followers, 135.2K engagements
"LA see you next month"
X Link 2025-02-24T22:58Z 291.7K followers, [----] engagements
"@WalletHacks The "have a nice day" is beautiful"
X Link 2025-02-26T21:55Z 299K followers, [---] engagements
"Such a great point Similarly I (42) buy $3000 sweaters but my friend (22) shops at Uniqlo. Guess who is a millionaire Chuckle"
X Link 2025-02-27T01:14Z 297.7K followers, 20.3K engagements
"Rents don't only go up. They also go down. This might seem like a simple concept but in my experience the majority of Americans believe that housing/rental prices only increase. In fact my rent went down [--] times in [--] years in Manhattan"
X Link 2025-02-27T22:08Z 299.1K followers, 11.2K engagements
"If you post about how grocery prices are insane yet you drive an F450 on a paved road to your job at Northwest Mutual selling whole life insurance consider buying a vehicle like this instead"
X Link 2025-02-28T02:49Z 299.2K followers, 12.9K engagements
"This is literally how much thought people put into the biggest purchase of their life NO NUMBERS. NO RATIOS. NO UNDERSTANDING OF TRANSACTION OR OPPORTUNITY COSTS. JUST SOME WORDS YOU COULD FIND ON THE BACK OF A PLAY-DOH CONTAINER @ramit Rents go up. A mortgage is rent control. @ramit Rents go up. A mortgage is rent control"
X Link 2025-03-05T16:55Z 299K followers, 53K engagements
""I have been frugal for the last [--] years and now I am questioning if I was right""
X Link 2025-03-06T21:30Z 299K followers, 88.5K engagements
"Son is like "ugh thanks dad (really wish it was VFINX and not this dilapidated illiquid house in a declining geographic area with high holding/transaction costs and $75000 of required maintenance)" How come this hasn't made it in a Hollywood scene"
X Link 2025-03-11T14:59Z 299K followers, [----] engagements
"This is an extremely hilarious article. The WSJ writes about investors who recently shifted from 100% American stocks to diversifying into international stocks Gee I wonder why they did that. These investors have all kinds of reasons they use to justify it.but all of these are simply made up In reality American stocks recently went down and int'l stocks went up. And now investors are chasing them This investor behavior is exactly why most individual investors underperform the market. Instead of steady diversification you guys waste your lives chasing news and you're always behind. You just"
X Link 2025-03-23T16:08Z 299.3K followers, 122.2K engagements
"@CamSmithD Local man actually loves the idea of paying for advice and has in fact paid tremendous amounts of money for advice on self development fitness nutrition executive coaching speaking asset allocation relationship development travel culture and productivity. Good try"
X Link 2025-03-23T18:09Z 299K followers, 19.8K engagements
"Most amazing part of my job is hearing people on twitter talk about landlords like they're omniscient NSA-level mathematicians who crunch every number & magically pass their costs to renters Then you talk to actual landlords & discover most don't know basic ownership numbers @ramit Someone I know is considering an investment property in a tourist area. They plan to solely fund it from its rental income. View it as self-sustaining not a business with potential highs and lows. When I asked whats your plan if it sits for a few weeks They said it wont. @ramit Someone I know is considering an"
X Link 2025-03-26T18:32Z 299.2K followers, 12.6K engagements
"Now the propaganda kicks in to do damage control https://x.com/ramit/status/1907832907361636677 Darkly hilarious seeing Fox News desperately trying to coddle Republican voters by assuring them that actually these tariffs are GOOD FOR YOU It's watching a propanda machine give grown adults a blankie to calm them down https://t.co/y4smiTeYoZ https://x.com/ramit/status/1907832907361636677 Darkly hilarious seeing Fox News desperately trying to coddle Republican voters by assuring them that actually these tariffs are GOOD FOR YOU It's watching a propanda machine give grown adults a blankie to calm"
X Link 2025-04-03T16:31Z 298.1K followers, 221.7K engagements
"Many MAGAs are proudly saying "Just buy American" but have no idea that a basic American-made button-down shirt would cost $150 When challenged they all disappear https://x.com/ramit/status/1907854452633018511 I'm confused. I keep trying to give $1000 to all these MAGAs who say "Just buy American" but none of them will take my simple bet https://t.co/LNyXRsDgcE https://x.com/ramit/status/1907854452633018511 I'm confused. I keep trying to give $1000 to all these MAGAs who say "Just buy American" but none of them will take my simple bet https://t.co/LNyXRsDgcE"
X Link 2025-04-03T17:57Z 298.1K followers, 165.7K engagements
"When finance bros lose millions of dollars because they support Trump something very funny happens They start pontificating like philosophers like Shakespeare on ketamine Upon a wrong occurring Sun Tzu advises considering the contrary Behind clouds are most certainly sun Sometimes the best strategy in a negotiation is convincing the other side that you are crazy. Sometimes the best strategy in a negotiation is convincing the other side that you are crazy"
X Link 2025-04-04T01:36Z 299.2K followers, 68.1K engagements
"@wifibiztips Why are you plagiarizing my Money Rules"
X Link 2025-04-05T14:18Z 299K followers, [----] engagements
"Trying to make new friends"
X Link 2025-04-08T23:32Z 299K followers, 16K engagements
"Invisible Script: "I should make a profit on my house" Imagine saying the same thing about a vacuum cleaner or set of knives Thanks to the financialization of houses in America people literally believe "house = profit" so they cannot fathom losing money on a house"
X Link 2025-04-14T22:34Z 299K followers, 21K engagements
"Ramit in New York Times 2025: "Buy the best and drive it into the ground" Ramit in May [----] (16 years ago): "Buy the best and drive it into the ground" Good advice lasts"
X Link 2025-04-21T17:26Z 299.1K followers, 32.6K engagements
"When will you guys ever learn"
X Link 2025-05-06T17:31Z 299K followers, [----] engagements
"Are you fucking crazy"
X Link 2025-05-13T14:58Z 299K followers, 50.5K engagements
""I'm [--] $10mm net worth. Spend $500K/year can't retire. What should I do" [--]. Evaluate your investments. 4% return too low [--]. Delegate in your business. Will take 2-3 years of very hard work then your life will dramatically improve [--]. Get clear on what your Rich Life is"
X Link 2025-05-26T14:48Z 296.7K followers, 123.4K engagements
"If you rent pay attention to your market If rents are falling try to negotiate My rent went down 4x in [--] years in Manhattan because I tracked real estate and proactively negotiated Asking Rents Are Falling in [--] Major U.S. Metrosthe Most Since [----] https://t.co/7XjDmSDCMv Asking Rents Are Falling in [--] Major U.S. Metrosthe Most Since [----] https://t.co/7XjDmSDCMv"
X Link 2025-06-04T16:25Z 299.2K followers, 28.7K engagements
"Guys should just stop making frivolous purchases like a $159000 truck when they cant afford it"
X Link 2025-06-06T16:19Z 299K followers, 70.4K engagements
"Go woke go broke from someone who served [--] years in a socialist organization (the US military)"
X Link 2025-06-12T01:35Z 297.8K followers, [----] engagements
"No sympathy Go ICE When I asked him if Elon Musk who was an illegal immigrant should be deported he claimed the Washington Post is a crappy source and added 😂😂😂"
X Link 2025-06-12T01:35Z 297.7K followers, [----] engagements
"Surprising finding: The amount of people who come on my podcast wanting me to berate them. Deep down they want someone to tell them they've been "bad" with money It almost always turns out their parents berated them & now they unconsciously perpetuate the pattern P.S. I don't"
X Link 2025-06-19T17:29Z 299K followers, [----] engagements
"@WalletHacks Yes and it's what they "think" getting better at money involves because that's what they see"
X Link 2025-06-19T19:48Z 299K followers, [---] engagements
"Hunting down best business credit cards. AMEX Gold & AMEX Starwood are looking good. Surprised there are not more options"
X Link 2010-07-23T19:38Z 296.5K followers, [--] engagements
"This is correct. The median household in America has $8000 in checking/savings accounts. .and a net worth of $193000"
X Link 2025-07-09T18:09Z 299.1K followers, 30.5K engagements
"Oh my god This comment on my recent real estate video Somebody finally gets it"
X Link 2025-07-13T20:57Z 299.1K followers, 67.9K engagements
"The hardest emails I get are from people in their early 60s whove realized they havent saved any money and are terrified of retirement"
X Link 2025-07-16T18:10Z 299.1K followers, 70.5K engagements
"I am creating the worlds largest collection of responses to online trolls which I will painstakingly gather into a beautiful book which will sell fewer than [--] copies because nobody cares about this except me @jfosback Hey man one thing that will really improve your life is not insulting someone when they're excited about something @jfosback Hey man one thing that will really improve your life is not insulting someone when they're excited about something"
X Link 2025-07-26T16:44Z 299K followers, 18.5K engagements
"When I was a kid in high school in the 90s I read magazines like The Industry Standard and followed stocks. My dad helped me open a custodial account when I was [--] and over a few years of working high-school jobs I invested in [--] stocks: [--]. JDSU (now bankrupt) [--]. Excite@Home (now bankrupt) [--]. A little company called Amazon Horrible example of investing. Pure luck. I never sold share a piece of investing lore about yourself https://t.co/6w8zET0aCJ share a piece of investing lore about yourself https://t.co/6w8zET0aCJ"
X Link 2025-07-27T03:51Z 299.1K followers, 35.8K engagements
"Obsessed with Japanese stationery and wrapping paper Taken in Tokyo"
X Link 2025-08-06T16:19Z 298K followers, [----] engagements
"LIE: You cant raise taxes on the wealthy Theyll just move away"
X Link 2025-08-26T16:37Z 297.7K followers, 115.7K engagements
"What does "generational wealth" mean to you"
X Link 2025-08-28T16:22Z 296.5K followers, 90.8K engagements
"When you bought a house because everyone told you to stop throwing money away on rent and then you discover Phantom Costs including maintenance transaction costs opportunity costs and property taxes"
X Link 2025-09-01T23:49Z 296.5K followers, 27.9K engagements
"GOOD EVENING AMERICA Effective immediately please do the following: - Buy a whole life insurance policy via Northwestern Mutual - Buy a house (real estate always goes up) - Vote Republican. They're fiscal conservatives - Hire a financial advisor for 1% AUM (good deal)"
X Link 2025-09-04T03:30Z 298.1K followers, 20.2K engagements
"I'm going to be in Atlanta later this month. Where should I eat"
X Link 2025-09-05T18:52Z 299.1K followers, 68.5K engagements
"YES OR NO: Should we bail out farmers like this guy who overwhelmingly voted for Trump CALLER: I'm a third-generation farmer and we have a silent epidemic in my opinion about ready to explode in this country with our agriculture. It's projected by several magazines in the next six months any farmer will -- 75% of us will have to take out some sort of bankruptcy. All of us are in the red. It's great we did DOGE and tariffs and that but farmers always bear the brunt of it but we have no farm bill in place. We have no anywhere for grain to get sold right now. All the contracts are canceled or on"
X Link 2025-09-10T02:13Z 296.7K followers, 43.1K engagements
"I once considered starting a travel business and a lot of people in my audience were VERY INTERESTED. They've seen my posts about international travel hotels etc I asked what they'd want to do on a 7-10 day trip. They basically said "The kind of stuff you do. Behind-the-scenes tours food design." I said great How much would you pay ballpark for [--] days "Maybe $2000. Possibly $2500" "$2000 total Or per night" "Total" People who don't travel to high-end hotels drastically underestimate how much it costs But more importantly they don't really see WHY it would make sense to spend 10-20x more for"
X Link 2025-09-16T15:50Z 299.1K followers, 94.9K engagements
"I think young people would riot if they actually saw how much money ($$$) Boomers make from their fat pensions social security payouts and RMDs while the average young person will never be able to buy a house Watch for these interviews"
X Link 2025-09-17T16:42Z 299.2K followers, 106.4K engagements
"People will complain about the price of Cheez-Its but happily pay $50000 in unnecessary fees to Chet their financial advisor who charges 1% AUM"
X Link 2025-10-08T21:32Z 296.5K followers, 14.6K engagements
"Here's the scenario. - You're [--] and [--] years old - Income: $167000 - Debt: $339000 (you owe $125000 on a $17000 loan because you ignored it for [--] years) - Savings: $2600 What would you do"
X Link 2025-10-09T15:58Z 296.5K followers, 83.9K engagements
"If you do this and lose the password for [--] years you will almost certainly outperform most investors including pros on Wall Street Is it ridiculous to just put 100% of my 401k into an S&P [---] index fund or am I good Is it ridiculous to just put 100% of my 401k into an S&P [---] index fund or am I good"
X Link 2025-10-09T23:28Z 296.5K followers, 116.3K engagements
"I love this comment on a recent Youtube video I posted about salary negotiations"
X Link 2025-10-13T14:38Z 296.7K followers, [----] engagements
"Learn the importance of asset allocation and low fees in your investing strategy especially avoiding paying 1% AUM already have a masters degree already ran a marathon have gotten and grown out bangs multiple times almost moved to a foreign country and then dramatically decided to stay at the last minute. literally what is left for me to do for attention already have a masters degree already ran a marathon have gotten and grown out bangs multiple times almost moved to a foreign country and then dramatically decided to stay at the last minute. literally what is left for me to do for attention"
X Link 2025-10-14T04:13Z 296.6K followers, 15.8K engagements
"If you don't follow politics closely you should know how young Republican leaders communicate with each other in leaked private text messages EXCLUSIVE: Thousands of leaked messages show leaders of Young Republican groups joking about gas chambers slavery and rape in a private Telegram chat. Inside rising GOP leaders racist chats obtained by POLITICO and spanning more than [--] months👇 https://t.co/yvz8Jwbrmf EXCLUSIVE: Thousands of leaked messages show leaders of Young Republican groups joking about gas chambers slavery and rape in a private Telegram chat. Inside rising GOP leaders racist"
X Link 2025-10-15T23:03Z 296.5K followers, 46.4K engagements
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