Spend extravagantly on the things you love, and cut costs mercilessly on the things you don’t

For every major purchase in your life and every major decision, spend the time. Most of us should spend less time on most decisions and A LOT more time on a few key decisions

If you ever see a book you’re even remotely interested in, buy it

People tend to have this very, it's a false belief, that one day, when they pay off their debt or, one day, when they make a certain amount of money, they're going to magically change the way they think and act about money. And the fact of the matter is, that doesn't happen.

In America, we’ve been told so many times that real estate is the best investment and in my opinion, that’s just not true a lot of the time

Test your assumptions and try to be aware of what rules or biases you’re following that you arrived at through logic/reasoning versus having just absorbed them from your surroundings

There’s a limit to how much you can save, there’s no limit to how much you can earn

Money actually should be bifurcated... its spending very little on the things you don't like and going extravagant on the things you do

In life, you don’t get what you deserve, you get what you negotiate

Everything important in life should be opt-out rather than opt-in

You actually deeply understand personal finance. So, you know that, kind of like making turkey dinner for Thanksgiving, once you put it in the oven, you let that thing cook. Do not fiddle around with it; you're just messing it up. But it's really hard, even for super smart people, especially entrepreneurs who love control, they really feel the need to fiddle around, and it's so counterproductive with investing.

Do I save and invest 12% per year? Okay, great. What if my partner and I make an agreement every year we're going to increase that number by 1%? If you just made that decision alone, that's worth hundreds of thousands of dollars—more than all the coffee you'll ever buy in your life combined.

I can help people with their investments. I can help them change their money psychology. I can often fix their businesses. But if there's one thing I cannot fix, it's cheap. I can't fix cheap people! If you're cheap, I can't help you. I'm sorry.

Everybody teaches us how to save, but nobody teaches us how to spend. Spending is a skill.

People's feelings about how they are doing financially are highly uncorrelated with their actual financial status.

The best morning routine is decided the day before, the week before, even the year before

Have a couple of areas in life where you have no budget whatsoever

By making that decision and putting it in the calendar, you preserve your brain power and emotional resistance for other stuff that’s less predictable

If you’re going to buy a house, you want to plan on being there at least 7-10 years minimum so you can eat the cost of the transaction fees

Would you rather end up at 60 with some amount of money, or would you rather end up at 60 with just a little bit less money but a lifetime worth of experience?

The macro question I think that's worth asking is, 'Is this person succeeding because of or despite what I'm looking at?'

For me, if it's not in the calendar, it's just not real

Money is not just about math. In fact, we overvalue math and we undervalue psychology.

Invisible scripts are beliefs that are so deeply held in our culture that we don’t even realize they’re beliefs, we just think they’re axioms

The Noah Kagan Coffee Challenge

A fool and his money are soon separated

Cultivating the muscle used for asking for things is so incredible

Part of my philosophy is save for the big things before you need them because you know that they're going to happen.

Tools are byproducts of principles or strategies

It’s easy to become a tool fetishist without understanding what you’re doing

By the way, interestingly, the people who I speak to who who are in the most severe debt are veterinarians.

People love to define themselves by what they're not as opposed to what they want

Ramit aims to save/invest at least 20 to 30 percent of his income

The best morning routine is decided a year ago