Ramit SethiRamit Sethi: The No-BS Guide to Living a Rich Life

If You Had $25K to Spend — What Would You Choose?

5 Dec 2025 · 1 min

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In this brief segment, Ramit Sethi explains his "conscious spending" framework, emphasizing that individuals should increase guilt‑free spending on the things they love once debt is cleared or income rises. He introduces the metaphor of "money dials"—categories such as food, travel, fitness, conveniences, and experiences that can be turned up or down based on personal priorities. Sethi then asks listeners to imagine receiving an extra $25,000 and to instantly identify what they would spend it on, asserting that the immediate answer reveals their top money dial and represents the next evolution of conscious spending.

Chapters

And the things you love, you actually should spend more on them. Think about it. If you no longer have debt, if you're earning more than you were 5 years ago, chances are you can change your conscious spending plan to account for more guilt-free spending. Think about this through the lens of something called a money dial. Each one of us has something that we love to spend money on, whether it's food, travel, fitness, conveniences, experiences. And I call them dials because you can turn them up or down depending on what matters most to you. And the fact is there is nothing wrong with spending money on the things you love. In fact, I encourage it. So let me ask you something right now. If you had $25,000 extra, what would you spend it on? That answer that just came to you instinctively, that is your number 1 money dial. And this is the next evolution of conscious spending.