부유한 삶을 위해 멈춰야 할 9가지 돈 버는 습관

### 부의 변화: 더 풍요로운 삶을 위한 9가지 주요 변화
* 💰 풍요로운 삶을 살기 위해서는 돈에 대한 관점을 바꾸어 **무엇을 더 할 것인가**보다는 **무엇을 그만둘 것인가**에 초점을 맞추는 것이 중요합니다.
* 📊 한 가지 중요한 변화는 항상 가격만 보는 것에서 **소득 대비 비율로 비용을 평가하는 방식**으로 전환하여 여행이나 관대함처럼 진정으로 중요한 것에 더 의미 있는 지출을 할 수 있게 된 것입니다.
* 🕒 저는 식사를 꼭 챙겨 먹거나 장거리 비행 시 항상 **비즈니스석을 이용하는 등 개인적인 규칙**을 만들어 사소한 결정에 시간을 낭비하는 것을 멈추고 더 큰 재정 목표에 집중하는 법을 배웠습니다.
* 👨 재산이 늘어나면서 저는 모든 세부 사항을 직접 관리하기보다는 **회계사와 재정 고문을 고용**하여 재정 관리를 전문가에게 위임하고 재정을 간소화했습니다.
* 💪 저는 제 삶에서 평범함을 받아들이지 않고 건강과 체력을 향상시키기 위해 **트레이너와 코치를 고용하는 등 개인 개발에 투자**하여 전반적인 웰빙을 향상시켰습니다.
* ✈ 여행에 대한 접근 방식이 크게 바뀌어, 이제는 일반적인 일정 대신 **여행 어드바이저와 협력**하여 원하는 대로 독특하고 기억에 남는 경험을 만들 수 있게 되었습니다.
* 🔄 저는 비즈니스에서 위임을 받아들여 제가 직접 처리하던 업무를 전문가에게 맡기면서 **제가 가장 잘하는 일에 집중할 수 있는 시간**을 확보했습니다.
* 🌟 마침내 저는 '예스맨'들과 함께 일하는 것을 그만두고 대신 저에게 도전하고 가치 있는 통찰력을 제공하는 전문가들을 찾아 **각 분야에서 탁월한 전문가들의 안내**를 받으며 풍요로운 삶을 향한 여정을 이어가고 있습니다.

부유한 개인은 큰 결정에 집중하고, 업무를 위임하며, 물질적 소유보다 경험을 우선시합니다.

All right, here's the thing. You're probably going to have to change the way you treat money if you want to live a very rich life. I want to just share some of the examples of things I have stopped doing as I have grown my wealth, and more importantly, started to have more fun and live a rich life. Sometimes, it's not just about what you do more of, but also what you stop doing. So, here's a list of nine things I stopped doing once I became a multi-millionaire, starting with number one: always looking at prices and thinking about cost. Instead, I started looking at prices using percentages. For example, a special sushi dinner that cost $300 might seem totally outrageous, but as a percentage of income, it's a lot different. Think of it this way: that same $300 meal would be extremely unaffordable to somebody working part-time making $35,000 a year compared to someone making $175,000 a year. This is a much more advanced way of looking at money using

percentages, and looking at percentages of income, has allowed me to actually increase my spending on things I love and care about, for example, travel, clothes, generosity, and it's allowed me to cut back on the things that are not that important. Number two, spending tons of time and energy making little decisions. These little decisions can start to engulf the things you think about on a daily basis, and as you spend more time shrinking your attention to think about tiny $3 decisions, I can almost guarantee you are not thinking about the $30,000 decisions. What's my savings rate at? What year will I achieve the crossover point where my investments will generate more than my income? And on and on. That is why I love to create rules for myself, so that I can stop worrying about all the little things and focus on the big picture. And I think a lot of us already naturally do this. For example, maybe you have a go-to uniform that you choose to wear for work every day. Maybe you have a set meal plan that every weekday for dinner, this is what I

eat, and if you follow my money advice, particularly from chapter 5 of my book, you've already set up automatic savings and invested. So, here are some of the rules I created so I could spend less time making insignificant decisions. Instead of wondering what to eat every day, I mostly eat the same meal almost every day. If I go to a restaurant because when I was a kid, we couldn't afford appetizers. Now, if I see two appetizers that look great, I get them both. If a flight is over 4 hours, my personal rule is I fly business class. Again, that's my personal rule; your rule is probably going to be very different. And instead of debating how I'm going to get to a hotel after I land at an airport, I just have made it a rule now to always have a car waiting for me. Now, you can see that this concept can be as small as a $10 appetizer or as large as business class or more. What I want for you to do is to take this idea and adapt

it to your own life. Number three: managing my finances. Now, this might be surprising to a lot of people because I have written an entire book about how to manage your own money. But here's something you might not know: as I made more money, I stopped trying to figure out every last tiny detail myself. Now, I've hired accountants and bookkeepers. I've even hired a financial adviser a couple of times. Remember, I paid a flat fee, never AUM. And I did this because they can help me iron out tiny wrinkles in my financial system or help me monitor it in an ongoing way. The point is, you can actually become a multi-millionaire handling your finances on your own, but at certain levels of net worth, or if you own your own business or have a complex financial situation, it can be beneficial to occasionally hire financial experts to help you. Speaking of hiring experts, that brings me to the next thing I stopped doing once I became a multi-millionaire. Number four: accepting mediocrity. Now, first of all, look at me. You think my parents accepted

mediocrity when I was growing up. 99% was 1% wrong. So, as I grew my wealth, I started to apply the same thing to myself. I wanted to start using my money to improve myself instead of just accepting this is as good as it gets. 20-year-old skinny RIT could have never thought about even going to the gym three or four times a week. Skinny R never believed he could even gain weight. I used to tell myself I'm just a skinny Indian guy, and I wish I had not said that because it became a self-fulfilling prophecy over time. In my mid-20s, I realized health was a really important part of my rich life, and I didn't want to accept that I was just this skinny guy who would wear oversized shirts, and that was it. But I needed help. I didn't know how to do it on my own. I didn't even know what the word protein meant until my mid-20s. So, I started using money to help me on my health journey. I

hired a personal trainer who taught me how to work out properly. I paid for food, so when I open up the fridge, there's healthy food meal by meal ready for me. I hired a posture coach. I really led this one because I found myself feeling a little bit of back pain, and I wanted to learn how to improve my posture. I hired the coach. Not only helped me improve my health, but also helped me improve the way that I present myself. All these things work together to improve my overall health and fitness goals, so I don't have to accept being mediocre. I can learn from the best and keep pushing myself. Number five, doing what was available to everyone else. Now travel is one of my biggest money dials. It's an area where I love to spend money, so as I became more financially successful, I wanted to turn that dial up. Basically, I caught the travel bug, and I'll tell you, I got bored of landing in a city and then looking up on Expedia, What should I do here? ending up at the

same sites, seeing the same monuments, the same museums, when sometimes I don't even feel like going to a museum. Now, before I travel somewhere, I will spend weeks or even months reading all about that city, asking myself, What do I want to feel when we get there? What kind of amazing experiences do we want to have? And then I'll work with a travel adviser who understands that vision to bring it all together. Now, it doesn't matter if it's just me, my wife and me, or we bring friends and family with us. I want to do something that is special, something that is incredibly memorable. I'll give you an example. Just a couple of months ago, I took a trip. We went to Tokyo, and we decided to take a food tour. And on this food tour, which was private for just us, the guide asked us ahead of time, What kind of foods do you want to try? Now, my friend knows about Japanese berries, you know, those perfect berries sometimes that cost like $40 for a strawberry. He wanted to try those, and he wanted to

understand why they are so great. So, our tour guide made a special appointment at a specialist Berry place where we could try different strawberries, and the person working there could explain to us what is the difference among all these different strawberries. And during a safari, I hired a photographer to give me photo lessons because my photos were not very good on my own. He taught me how to shoot long-distance animals with a long lens. As I started to become more financially successful, I wanted to respect my time, and I wanted to create amazing memories. That's why doing these experiences that are off the normal path ended up being some of the most unforgettable things I've ever done with friends and family. Number six, doing everything myself. I got to the point where I actually didn't want to do everything myself, and I started delegating to people who were better at specific things. For example, in my business, I used to write all the emails, load all the emails, choose the segmentation, and hit send. I would do it all, but it's been years since I even

logged into our software, and I have to tell you, I don't even know where the send button is. Why? Because we have email specialists on our team who are way better at that than I am. It's their job, and they do an amazing job at it. Now, this idea of delegating also ties into my convenience money dial because I am buying back my time. For example, you can buy back your time by getting somebody to return packages for you, arrange your flights, fill out paperwork before you see a doctor, post YouTube videos like this one, or write and send emails to your email list. By the way, for business owners, pay special attention because this is really important. You know, I've been running my business for 20 years, and you have to start by doing everything yourself—uploading videos, editing photos, every social media post, doing your website. You do it all. But at a certain point, you realize you're probably the best at a couple of things, and the rest you need to find a way to get them off your plate. Now, if you have

a website like I do. You probably don't want to sit there fiddling around with HTML tags or realigning images 27 times. Instead, you can use a service that does it for you, like Hostinger's AI website builder. Let me show you how it works. Let's say I have a new business idea that I want to test, Remites Zero to Habanero. Instead of spending 3 months obsessing over the perfect tagline or the perfect font colors, what if I just got a website up in about 10 minutes? That way, I could see if people even respond to it. So here's how I do it. I sign up at Hostinger.com. I recommend getting the business plan because it gives you access to a lot more AI tools, and you can use the coupon code RIT Sati to get 10% off. Then, I select the AI website builder, and I give it a name for my business. I give it a brief description of what it's about, and boom, it spins up this website in

less than 60 seconds. I mean, look at this. It looks pretty good. The shrimp looks good. The photos look good. We got Thai chilies on here. The copy is actually pretty good to start. Of course, if I want to change any of it, I just click on the headlines and edit it myself. If I want new photos, I can use the AI image generator. Let's see a picture of someone sweating or eating something spicy. There you go. You can even make a logo in seconds. Check this out. So, in less than 5 minutes, I have a website. Do not spend months agonizing over something that probably isn't going to make a difference. Get it out there fast. See if people respond. Then you can iterate and improve. And if I have another business idea next month, boom, I can have Hostinger make me another website in seconds using the same process. If you want to give Hostinger's AI website builder a try, IWT subscribers get 10% off with code RITSATI when they go to hostinger.com.

Ramit Sati or just click the link in the description below. All right, on to number seven: waiting until I desperately needed something to buy it. Now, I remember I used to get a haircut every 6 weeks, and by the time my appointment came around, I really needed that haircut. But when I was shooting my Netflix show How to Get Rich, I was getting a haircut once a week so that I would always be film-ready. I want to look fresh, and I actually started to really enjoy it. So, I decided I'm going to make this a recurring thing. I don't need a TV show to always want to look good. And so, I decided from now on, that is my rule: haircut once a week. Now, think about how you can adapt this to your own life. What is the area of your life where you wait until you desperately need a replacement before you get it? And what if you actually just decided, I don't want to wait. I want to always feel good, look good, always be ready. For example, if your shoulders get

really tight from working at your computer all day. Does it make sense to wait a month or 2 months until you really can't even move? You're going like this, Hello, why it hurts so much? Instead of waiting until you're in intense pain, what if you proactively decided to schedule a massage for every other week? You don't have to wait. Other examples could be having someone mow your lawn or clean your house on a more consistent basis and not waiting until it is really, really needed. This is an idea anyone can take advantage of. It's something that changed my life. Number eight: wasting money on things that just don't excite me. As I made more money, my thoughts around spending money changed, and I realized that what I buy is important to me. My money is a very valuable resource, and I want to know more about the story of how something is made. So, for example, I stopped buying random knickknacks while traveling. I stopped filling up rooms with stuff. Instead, I would rather buy one amazing thing per year, like a

handmade rug that I custom-designed with the artist. I also like this concept when hiring people. For example, if somebody shows up late, they cause me a lot of stress. I don't choose to work with them. To me, this concept is something I call my money is good money. If I'm paying money for an experience or a product, I want the quality to be high. I want it to match my vision, and if it doesn't, that's okay. But my money is good money, and I'll take my money elsewhere. So before I move on to the next thing that I stopped doing once I became a multi-millionaire, I would love it if you could do me a favor, hit that subscribe button, and turn on notifications. It just takes half a second, and that way I can send you more videos on money psychology. All right, that brings me to the last thing I stopped doing, number nine, working with yes people. Now this, this is a really important, I think, subtle point. When I was young, I remember going into Super Cuts. I'd go in, whoever random person was

there would say, What do you want? and I would tell them, Uh, two on the side and this in the back, and they would do it, and it was done, and it was fine for 15 bucks, no big deal. But I've learned that I don't want to have to tell others what to do. In fact, I want to work with people who tell me. So when I walk into a hair stylist or when I worked with the team at Netflix, I didn't tell them my vision; they told me, and they had an amazing vision. And that is what really top people do. You walk in, you don't tell them what to do. They've been thinking about this their whole lives. This is their profession. This is what they are the best at. You say, What do you think I should do? And best of all, at this level, I trust my team to tell me how we should be executing on a strategy. Remember, the more you design your rich life, the more it will fit you like a handmade glove, and the un less it will actually make

sense to other people. That's when you know you are really crafting your rich life. So let me know in the comments one thing that you have stopped doing as you have made more money. And now check out this video popping up on screen right now to watch more.

9 Things I Stopped Doing Once I Became a Millionaire

I Will Teach You To Be Rich

더 풍요로운 삶을 위한 돈 관리 습관 바꾸기

비용에 초점을 맞추지 않고 수입 대비 비율로 가격을 보기 시작하면서 제가 좋아하는 것에 대한 지출을 늘릴 수 있었습니다.

외식을 하거나 장거리 비행을 할 때는 항상 비즈니스 클래스를 이용하는 등 개인적인 규칙을 만들어 사소한 결정에 소요되는 시간을 최소화했습니다.

이러한 사고방식의 변화는 큰 재정적 결정의 우선순위를 정하고 더 만족스러운 삶을 사는 데 도움이 되었습니다.

멀티 백만장자가 된 후의 주요 변화

복잡한 문제를 처리하기 위해 회계사와 재정 고문을 고용하면서 재정 관리가 더 쉬워졌습니다.

저는 제 삶에서 평범함을 받아들이지 않고 개인 트레이너와 코치를 통해 건강과 체력을 향상시키는 데 재산을 사용했습니다.

또한 여행에 대한 지출을 늘리고 남들이 다 하는 것을 하는 대신 독특한 경험을 추구했습니다.

저자는 독특하고 기억에 남는 여행 경험을 계획하는 것의 중요성을 강조하며, 종종 여행 어드바이저와 협력하여 자신의 비전에 부합하는 여행 계획을 세우는 것이 중요하다고 말합니다.

최근 도쿄로 떠난 여행에서 특정 음식 선호도에 맞춘 프라이빗 푸드 투어와 사진작가를 고용해 사진 수업을 받은 사파리를 소개합니다.

또한 저자는 비즈니스의 업무를 전문가에게 위임하여 자신이 가장 잘하는 일에 집중하고 시간을 확보하는 것의 가치에 대해 이야기합니다.

Hostinger의 AI 빌더로 간소화된 웹사이트 제작

Hostinger의 AI 웹 빌더는 60초 이내에 빠르고 쉽게 웹 사이트를 설정할 수 있어 새로운 비즈니스 아이디어를 테스트하는 데 이상적입니다.

이 서비스는 비즈니스 플랜과 함께 다양한 AI 도구에 대한 액세스를 제공하며, 쿠폰 코드 RITSATI를 사용하면 10% 할인을 제공합니다.

사용자는 콘텐츠를 쉽게 편집하고, 새로운 사진을 생성하고, 로고를 만들 수 있어 온라인 인지도를 빠르게 반복하고 개선할 수 있습니다.

사전 예방적 자기 관리와 신중한 지출

마사지와 같은 자기 관리를 미리 예약하면 나중에 극심한 통증과 스트레스를 예방할 수 있습니다.

소득이 증가함에 따라 의미 있는 구매와 양질의 경험에 우선순위를 두는 것이 더욱 중요해집니다.

비즈니스 관계에서 '예스맨'을 피하면 더 나은 의사결정을 내리고 스트레스를 줄일 수 있습니다.

풍요로운 삶을 만드는 협업의 힘

연사는 다른 사람에게 지시하기보다는 지침을 제공하는 사람들과 함께 일하는 것을 선호한다고 말합니다.

그들은 전략을 실행하기 위해 팀을 신뢰하고 전문가의 전문성을 소중히 여기는 것이 중요하다고 강조합니다.

연사는 풍요로운 삶을 설계하는 것은 각 개인에게 고유한 개인적인 여정이어야 한다고 믿습니다.