Ramit Sethi Identifies Two Key Traits Of People Who Are Growing Their Finances: 'You Think In Percentages And Strategy'

Marc Guberti

Mon, May 12, 2025, 11:45 AM 3 min read

According to financial guru Ramit Sethi, there are seven levels of wealth. Once you get into the fourth level, things get pretty exciting. This "Growth" stage is when your money works harder than you.

Sethi shared strategies you can use to reach this level, plus how you can advance to the final three levels of building wealth. However, he said that people who are in growth mode typically have these two details in common.

"You think in percentages and strategy," Sethi stated in the video.

Don't Miss:

• Deloitte's fastest-growing software company partners with Amazon, Walmart & Target – Many are rushing to grab 4,000 of its pre-IPO shares for just $0.30/share!

• Maker of the $60,000 foldable home has 3 factory buildings, 600+ houses built, and big plans to solve housing — this is your last chance to become an investor for $0.80 per share.

Percentages are important when it comes to investing, knowing the percentage of money you keep, and setting long-term goals. Strategies can help you turn your goals into realities. Here's how thinking in percentages and strategy can boost your finances.

People who are in growth mode are highly intentional with their money. They carefully consider every expense and how their daily actions move them closer to their long-term goals.

Percents and strategy both play a role in conscious financial management. Sethi suggests increasing your annual portfolio contributions by 1% each year. For instance, if you contribute 15% of your paycheck to your portfolio, Sethi believes you should bump it up to 16% next year.

This level of intentionality makes it easier for wealth to build on itself. You are already making consistent investments at the growth level.

Trending: Can you guess how many retire with a $5,000,000 nest egg? The percentage may shock you.

Trade-offs are a part of life. You have to say no to some people or opportunities to say yes to other people and opportunities. Any time you say yes to something, you automatically say no to anything else during that time frame.

You can make certain trade-offs that minimize your expenses so you can build your wealth faster. For instance, you may have some unused subscriptions that continue to rack up debt. Getting rid of these subscriptions and removing other unnecessary costs can move you closer to your long-term goals.

However, Sethi isn't an advocate for penny-pinching for your entire life. He believes in spending money on things that bring you the most happiness. Trading off the expenses that don't make you as happy will free up money you can use on the expenses that bring you more happiness.