I received a digital copy via NetGalley for review~

I really liked this journal and the tidbits of financial information throughout it. Each main idea of this workbook was brought to life with interactive journaling prompts that could be filled in. This way, you're reinforcing the authors' ideas and relating them to your own life and situation. One of my favorite aspects of this was the "Worry-Free Number".

It would have been awesome to have a paper copy for filling in all the prompts, as that would have been the full experience.

Overall: a solid journal/workbook with helpful info on changing your money mindset, 4 out of 5 stars

I really loved this book,. It made me think of different questions to ask myself and my husband. I loved how the author broke the book down into sections for instance like next year goals, 5 year goals, 10 year goals. I really liked the deep dive into what we really think about spending money, how we were taught about money, The author made a lot of different narratives for instance drawing what your house would look like.
I think that this is a great money journal/dream book for anyone just starting out with financial knowledge.
This is NOT the book for those who are near their retirement.

“I Will Teach You To Be Rich” should be required reading for anyone, and this book is an excellent complement to it. Highly reccomend..

I have paid a tremendous amount of money to Ramit Sethi over the years. I paid for Earn1k and Dream Job when he first launched them. I recently purchased Delegate and Done, which was worth the purchase price at least twice over. I can't really recommend this book but I did like it.

Ramit forces you to look at hard truths which I think might be why this journal might not be popular. He forces you to look at your own spending and align yourself with the goals you've stated. That's wildly uncomfortable for a lot of people. Many Americans, including myself, don't like holding a mirror to reality.

The best part of the workbook was where he told the reader to talk to someone older than them about what they wish they knew decades before. I remember when Ramit ran a survey with his readers that people in their twenties wanted travel, thirties wanted a house down payment, and forties wanted retirement. Now he's aiming at the Millennial audience and asking what they want their lives to look like when they are in their sixties.

The Money Rules section was really hard. I decided that the most important one for me was making enough money to work on projects I cared about with people I liked with a schedule I could work with probably in a location I liked. I'm used to working remotely and thus it doesn't even show up on my list without reflection because it's like asking a fish how the water is. There were tons of deep probing questions that I didn't have easy answers to.

I was mentally comparing some parts of this to Denise Duffield-Thomas' Get Rich, Lucky B because she talks about mental blocks and Ramit approaches the same topic in a different way. Ramit has you examine what you've been taught about money over and over.

It was particularly interesting to read this journal after going through Delegate and Done because for most everyday decisions for the executives he had attending his in-person training, the exact cost of everyday things didn't actually matter and the assistant, at their own discretion, should be authorized to make purchases. Ramit talks about cutting back on things that don't matter but he simultaneously lists eating out as something people want to turn their Money Dial up on and something that people can easily cut back on (that it's the #1 answer). For me personally, I've known that I want to be able to afford for someone else to cook for me, which narrows down my job options. If you are willing to live like Jacob Lund Fisker on rice and beans bought in bulk and stored carefully with the same hiking boots every day, you can save enough to live that life and have unending leisure at a fairly young age. But at 30, I have understood that my wants (not needs) have changed from where I was in college. Ramit digs into changes in identity over time in the journal as well. Ramit is not quite like the Die with Zero author but he wants you to increase consumption when you are younger to increase your happiness.

Another part was that he endorsed getting rich with a normal salary, which surprised me. After going through Delegate and Done, I could see how catering to rich entrepreneurs was more lucrative than chasing every person on the Internet. I had to think very hard about whether or not I wanted to shell out so much for Delegate and Done and talk to his customer support in live time before I clicked the purchase button. But this book is not geared towards the entrepreneurs pulling in 7 figures annually that you see in his other courses. I got the impression it was geared towards college graduates working a 9 to 5 office job. I reviewed his Twitter response to someone asking him how a freelancer with bumpy income could automate their finances and he said to save up 6 months and then use that to smooth things out, which betrays a deep lack of knowledge of just how bumpy things could get.