Hey, it’s me, your favorite comedian, here to tell you that getting rich is kinda hard. But fear not, my friends, because the money guru, Ramit Sethi, has got some tips for you that will make this whole “building wealth” thing a little easier.

First things first, Ramit says to make some simple money rules for yourself. It’s like playing by your own set of rules, except instead of winning at Monopoly, you’re winning in real life. So, instead of agonizing over every little decision, like whether you should buy those shoes or not, just create some rules for yourself that make it easy to decide, like “only buy shoes once a year.”

Save and invest a portion of all income? Yeah, yeah, we’ve heard it before. Ramit’s first rule is pretty basic, but it’s important: save a portion of your cash money, honey. This helps you build your emergency savings and eventually, maybe one day, become a millionaire. You can adjust the percentage based on your own situation, like if you’re already rich or if you’re living off of ramen noodles.

Next up, Ramit suggests that you choose a category that is important to you and give yourself unlimited spending in that area. For him, it’s health, books, and friend’s fundraisers. For you, it could be fitness classes, your daily Starbucks fix, or even an unlimited supply of mac and cheese (hey, no judgement here). The point is, make sure you can afford it and that it brings you joy.

Finally, Ramit reminds us to consider the financial side of personal decisions. Sure, getting that fancy new car might make you feel like a boss, but is it actually worth the debt? Ramit says to think about the long-term impact of your choices before making any big investment decisions. Plus, if you’re too broke to go out with friends, they might stop inviting you to their wine and cheese parties.

In conclusion, building wealth isn’t easy, but with some simple money rules, you can make those tough decisions a little bit easier. And who knows, maybe one day you’ll be swimming in a pool of cash like Scrooge McDuck. Okay, probably not, but it never hurts to dream.

Serious News: cnbc