Are you tired of personal finance advice that makes you feel terrible for buying lattes? Well, the “no-BS money man for the new generation”, Ramit Sethi, is tired of bad personal finance advice too. Instead of giving you guilt trips about life’s daily pleasures, he tells you how to negotiate a 25k raise. On this episode of Impact Theory with Tom Bilyeu, Ramit Sethi, author of “I Will Teach You to be Rich”, does just that. Find out how to negotiate big raises, control your spending, get out of debt, and form positive money habits that will make you financially free. [Original air date: 8-13-19].SHOW NOTES: Ramit describes the connections between systemic inequality and mindset [2:39] Ramit talks about how 90% of people in debt don’t know how much they owe [4:16] Ramit describes people’s invisible beliefs about money [5:35] Tom and Ramit discuss how to get through to people about making money [8:09] Tom and Ramit discuss spending on what you really love [12:20] Ramit defines a rich life [14:54] Ramit and Tom discuss dark beliefs around money [16:35] Ramit explains how to get a 25k raise [23:15] Ramit advocates that people desperately crave the truth [30:06] Ramit illustrates how people victimize themselves [31:53] What kinds of rules should people have around money? [34:53] Ramit discusses core values and money [38:06] Ramit describes how to have deep conversations in relationships [40:41] Ramit explains what rules new couples should have around money [43:20] How people should think about saving and debt [45:58] Ramit talks about the small minority of people who are obsessed with money [48:17] Ramit shares the impact he wants to have on the world [49:39] CHECK OUT OUR SPONSORSRange Rover: Explore the Range Rover Sport at  https://landroverUSA.comOracle: Take a free test drive of OCI at https://oracle.com/theoryShopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impactMomentous: Shop now at https://livemomentous.com and use code IMPACT for 20% your new Momentous routine.FOLLOW TOM:Instagram: https://www.instagram.com/tombilyeu/Tik Tok: https://www.tiktok.com/@tombilyeu?lang=enTwitter: https://twitter.com/tombilyeuYouTube: https://www.youtube.com/@TomBilyeuWhat's up, everybody? It's Tom Bilyeu here. If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu’s Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you.LISTEN AD FREE + BONUS EPISODES on APPLE PODCASTS: apple.co/impacttheory Learn more about your ad choices. Visit megaphone.fm/adchoices