Personal Finance and the Job Search

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Today (Friday, November 6th) is the last day to sign up for Ramit Sethi’s I Will Teach You To Be Rich Bootcamp. Keep reading for more details, and take note that if you sign up today from the links on this page and forward your receipt to willy@onedayonejob.com, we’ll enroll you in our job search training course Found Your Career for free (a $152 value).

I Will Teach You To Be Rich Logo

Before I started One Day, One Job, I was a recent grad without a job and without an idea of what I wanted to do. I had a lot of time on my hands, and I wasted most of it doing a halfway job search and grasping for ideas of what to do with my life. In early 2007 there was one really smart thing that I did—I decided to get my personal finances in order. I didn’t have an income or any debt, and my expenses were minimal because I was living with my parents, but I still thought it was important to be in control of my financial well-being. So, I took some time, and started to figure things out. For the first time in months I felt like I had accomplished something; in fact, I even considered starting a personal finance website to share what I had learned (luckily I did this instead).

Had I not been so dense back then, I probably would have realized that taking care of one’s personal finances is a fantastic way to get a job. Here’s why:

Imagine yourself in a job interview. You think that you’re making small talk when the interviewer asks you what you’ve been up to since you graduated, but she’s actually trying to gain some valuable information about you.

You could respond:

Ummmm… well I’ve been looking for a job… and traveling. Yeah, I went on a road trip with my friends for 5 days. Oh yeah, and I worked so hard in college that I thought I deserved some time off.

Good luck with that one. Here’s another option:

I’ve been spending a lot of time preparing to start life on the job. A big part of that has been working on my personal finances. I just moved my accounts to a new bank to maximize interest and minimize fees. Then I called my credit card and negotiated a lower interest rate, which will save me $900 this year. I also sold a bunch of stuff that I no longer needed on eBay and put that money towards opening a retirement account. And I must admit that I’m really excited to start a new job because a semi-weekly paycheck will allow me to automate my bank accounts.

Now, if you had just said this to your friends, they’d probably think you’re a dweeb, but in 30 seconds you demonstrated to your interviewer that: you’re responsible, you’re smart, you’re savvy, you’re a good negotiator, and you’re a hard worker.

Even though you’ve only spent 20 hours of your life focused on personal finances, you’ve packaged your accomplishments into an impressive story. That’s a really good way to get hired. And once you do, that paycheck is going to go a lot farther for you because of the time you’ve spent getting comfortable managing your personal finances.

So, how do you do learn to do all of that stuff?

Meet Ramit Sethi

Ramit Sethi Headshot

Ramit Sethi is a friend of mine, and he will teach you to be rich. Sounds kind of scammy, right? It’s not. Let’s go back to your SAT days and use an analogy to describe who Ramit is.

Willy Franzen : Job Search :: Ramit Sethi : Personal Finance

There really should be an inequality sign in there or something, because Ramit’s accomplishments put mine to shame. The guy has saved people millions of dollars! He’s been featured by The New York Times, The Wall Street Journal, CNBC, NPR, and Fortune. His website I Will Teach You To Be Rich has had millions of visitors. And his book I Will Teach You To Be Rich was an Amazon, New York Times, and Wall Street Journal Best Seller.

The guy knows personal finance, and he’s also a great teacher. I know this not only because I’ve learned a lot from his blog, his book, and his videos, but also because I’ve read some of his awesome testimonials.

So now I have a plan. I’ve followed Ramit’s advice and negotiated better rates on my credit cards by using the scripts in his book — those scripts and negotiation tactics paid for the book 10 times over in the first phone call. I can’t recommend those highly enough. I also took Ramit’s advice in automating my finances. Every bill that can be set to be paid automatically is now paid that way. That includes my minimum payments on my credit cards so I will not have another late or missed payment ever again. Victory!

Using tips from your blog & book I’ve gone from $250 savings with $1700 debt to $6,000 savings and $0 debt in about 4 months. Thanks.

I just got 3 late fees waived thanks to Ramit’s suggestions in I Will Teack You To Be Rich. Get it. I promise you won’t regret it.

One thing that Ramit taught me is that most credit cards offer an insurance policy on recent purchases. When my girlfriend ran over my brand new iPod Nano (ok, I dropped it behind her tire), I was distraught. Then I called American Express and they credited my account for the cost of the Nano. Without Ramit, I would have been stuck with a pancaked iPod.

I Will Teach You To Be Rich Boot Camp

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The reason that I’m talking about Ramit isn’t because I want to suck up to him. It’s because I think that managing your personal finances is an essential part of the job search. It’s also because Ramit asked me to partner (in full disclosure that means that I get revenue share on sales) with him to launch the I Will Teach You To Be Rich Boot Camp. It’s a 6-week course that is guaranteed to save you money.

That means that if Ramit’s advice doesn’t help you save more than you paid to enroll, you can e-mail Ramit, and he’ll refund the the entire fee.

Considering the fact that people who work with Ramit usually save thousands of dollars, the $199 price tag for I Will Teach You To Be Rich Boot Camp is ridiculously low. Ramit set it so low because this is the first time that the Boot Camp will be publicly available. The next time that enrollment opens up, you can be sure that the price will be at least twice as much.

Now, if you can’t commit to making a risk free investment that will easily pay for itself, then you’re not the kind of person that Ramit wants to work with. He like successes stories. It’s the reason he has a ticker on the top of his website that counts how much money he has helped people save. However, if you’re fired up to add a big number to that ticker, then here’s what you need to know.

  • Registration starts now! You can enroll here.
  • You only have until Friday, November 6th to register.
  • $199 buys you a lifetime subscription.
  • Ramit is offering a 100% money-back guarantee for 30 days after purchase.
  • You will never again have a chance to do I Will Teach You To Be Rich Boot Camp at such a low price.
  • The course consists of a full curriculum, live webcasts, guest speakers, and hundreds of peers.
  • BONUS: If you enroll for I Will Teach You To Be Rich Boot Camp via One Day, One Job and forward the receipt to willy@onedayonejob.com, I will spend 20-minutes on the phone with you crafting a personalized job search strategy.

Managing your personal finances is all about taking action. Many people know what they need to do, but they never do it. By investing in Ramit’s Boot Camp, you’re going to force yourself to take action. And with your newly found motivation and his expertise, you’re going to save a lot of money.

It might just be the reason that you land a new job too.

Sign up for the I Will Teach You To Be Rich Boot Camp today!

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One response to “Personal Finance and the Job Search”

  1. […] Day, One Job”, a job search blog that one of my friends had recommended to me, I came across this article. I thought the author, Willy Franzen, had a good point. Looking for a job can feel tedious […]

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