What Would Ramit Sethi Say?
Forget lattes — he wants the big wins. Score your Conscious Spending Plan against his target ranges, audit your automation, and spend extravagantly (on what you love).
Your Conscious Spending Plan
Your split vs his target ranges: fixed 50–60%, investing 10%+, savings 5–10%, guilt-free 20–35%.
What he'd have you do next
In order. Straight from the philosophy.
The rules this tool applies
The Conscious Spending Plan
Four buckets as a share of take-home pay: fixed costs 50–60%, investments at least 10%, savings goals 5–10%, and guilt-free spending 20–35%. Whatever's left after the first three IS your guilt-free number — spend it on what you love without apology, and cut mercilessly on what you don't.
The automation
Money moves itself the day you're paid: fixed costs from chequing, investments to RRSP/TFSA, savings to named goals. If it requires willpower every month, the system is broken, not you.
Big wins over small cuts
He's the anti-latte-guy: negotiate salary, pick the right accounts, automate investing — the $30,000 questions, not the $3 ones.
The fine print
This is an educational parody applying Ramit Sethi's well-documented public philosophy to your numbers. All verdict lines are paraphrases in his style — not real quotes. Not affiliated with or endorsed by Ramit Sethi. For actual advice, talk to a licensed professional.