Top 35 Ramit Sethi Quotes (2025 Update)

1. “If something isn’t working, don’t try harder or do more. Do something DIFFERENT.”

— Ramit Sethi

2. “Spend extravagantly on the things you love, and cut costs mercilessly on the things you don’t.”

— Ramit Sethi

3. “Every failure contains valuable data that will point you in the right direction.”

— Ramit Sethi

4. “Frugality, quite simply, is about choosing the things you love enough to spend extravagantly on – and then cutting costs mercilessly on the things you don’t love.”

— Ramit Sethi

5. “There is a limit to how much you can cut but there is no limit to how much you can earn.”

— Ramit Sethi

6. “The 85 Percent Solution: Getting started is more important than becoming an expert.”

— Ramit Sethi

7. “The single most important factor to getting rich is getting started, not being the smartest person in the room.”

— Ramit Sethi

8. “When you are listening to someone you respect, treat their whispers like screams.”

— Ramit Sethi

9. “Focus more on being decisive and less on trying to make the “right” decision. You’ll never know until you try, and if you’re wrong, you can always try again.”

— Ramit Sethi

10. “Consistency is necessary, but its not sufficient to make it to a level that breaks you out in front of everyone else.”

— Ramit Sethi

11. “Most busy people want to mentor someone great.”

— Ramit Sethi

12. “Make the right decisions in life and you’ll never have to worry about saving $3 a day on lattes.”

— Ramit Sethi

13. “It’s more important to get started than to spend an exhaustive amount of time researching.”

— Ramit Sethi

14. “Before you go further, I encourage you to set your goals today. Why do you want to be rich? What do you want to do with your wealth?”

— Ramit Sethi

15. “Who wins at the end of the day? The self-satisfied people who heatedly debate some obscure details? Or the people who sidestep the entire debate and get started?”

— Ramit Sethi

16. “My friend Jim once called to tell me that he’d gotten a raise at work. On the same day, he moved into a smaller apartment. Why? Because he doesn’t care very much about where he lives, but he loves spending money on camping and biking. That’s called conscious spending.”

— Ramit Sethi

17. “Conscious spending isn’t about cutting your spending on everything. That approach wouldn’t last two days. It is, quite simply, about choosing the things you love enough to spend extravagantly on – and then cutting costs mercilessly on the things you don’t love.”

— Ramit Sethi

18. “In the end, managing your finances well is a lot like developing a strong personal productivity system: You keep track of everything without making it your full-time job; you set goals; you break them down into small bite-size tasks; you save yourself time by automating manual work; and you spend your time and brainpower focusing on the big picture. That’s what I try to do with my time and money.”

— Ramit Sethi

19. “On average, millionaires invest 20 percent of their household income each year.”

— Ramit Sethi

20. “Most people never realize that 80% of the work is done before you step in a room. That’s why they spend their entire lives grasping for magical tactics instead of changing their entire mindset.”

— Ramit Sethi

21. “Cynics don’t want results; they want an excuse to not take action.”

— Ramit Sethi

22. “People love to argue minor points, partially because they feel it absolves them from actually having to do anything.”

— Ramit Sethi

23. “As Benjamin Franklin said, “Don’t put off until tomorrow what you can do today.” And as Ramit Sethi said, “Let others debate minutiae – all you need to do is open an investment account at a discount brokerage. Sucka.”

— Ramit Sethi

24. “If I don’t have at least 4 or 5 failures a month, I feel like I’m not trying hard enough.”

— Ramit Sethi

25. “You have to get off your chair and into life.”

— Ramit Sethi

26. “How do you decisions change if retirement is not an option?”

— Ramit Sethi

27. “The real lesson is: When companies – and people – show you who they truly are, believe them.”

— Ramit Sethi

28. “In a world of infinite choice if something is not made specifically for me I’m gone.”

— Ramit Sethi

29. “Charging a premium amount allows me to offer a premium service.”

— Ramit Sethi

30. “Fear is no excuse to do nothing with your money. When others are scared, there are bargains to be found.”

— Ramit Sethi

31. “Why do you want to be rich? What do you want to do with your wealth?”

— Ramit Sethi

32. “The American Psychological Association reports that Americans today, compared to the 1950s, seem less happy, even though we eat out twice as much and own two times as many cars. We have so many more toys, like big-screen TVs, smartphones, and microwaves. But that isn’t leading to a more satisfying life.”

— Ramit Sethi

33. “Here’s an unexpected lesson I learned: The world wants you to be vanilla. They will always push you to look and act the same as everyone else.”

— Ramit Sethi

34. “Cynics don’t want results; they want an excuse to not take action. Ironically, even if they win their own manufactured argument, they lose overall, because they’re stuck in a prison of their mind.”

— Ramit Sethi

35. “I once had a woman who emailed me saying, “I always tell myself I want to run three times a week, but I never go.” I wrote back and said, “What about going for a run once a week?” She replied, “Once a week? What’s the point?” She would rather dream about running three times a week than actually run once a week.”

— Ramit Sethi

36. “But ultimately, expertise is about results. You can have the fanciest degrees from the fanciest schools, but if you can’t perform what you were hired to do, your expertise is meaningless.”

— Ramit Sethi