> I used to tell people I was grateful to work in personal finance, because what I’ve learned has helped me get my own money under control. I have a small IRA,

> I used to tell people I was grateful to work in personal finance, because what I’ve learned has helped me get my own money under control. I have a small IRA, a comfortable $20,000 savings cushion, automatic bill payment, a credit card and a 740 credit score. But I’ve stopped giving financial literacy the credit, because I know the real reason my finances are “healthier” now: I have more money. I took a job with a salary that quadrupled my income, and voila — I became a lot more “responsible” with money. Ramit Sethi has a similar take, which is that budget culture has become too obsessed with finding a lot of small (and largely ineffective) ways to cut down on spending so that you have more money, while really what most people should do is aggressively pursue avenues towards increasing their income. I tend like his advice way and attitude towards life in general more than Dave Ramsey.