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Save my name, email, and website in this browser for the next time I comment. Share Tweet Share Share Pin. You are here: Sidewalk- Living paycheck to paycheck. Spending money to impress people. Living in the present at all times with no discipline to save or be financially responsible.

Slowlane- This is most of America. Sacrificing time and freedom now for the hope of being wealthy when we retire. Fastlane- The holy grail. Creating a business system that generates income independent of your time. Here are some key pieces from the Millionaire Fastlane: Focus on process, not events. Find high multipliers to get rich. So what do high multipliers look like? Both variables in this equation are uncapped price and of sales.

Could you potentially get 5, customers the next year? This is a Fastlane business in a nutshell. Get rich by helping people yes, really. The money is for a summer of memories for my niece and nephews. Less stress for my sister and drinks in the sand and sun with my wife. But to be one of chosen person you would have to gave value to this money by buying plant and put it all into garden where everyone can learn and see where really money grooves.

In effort of mans hand. I would put half towards my credit card and the other half, I would split between my savings and vacation fund.

Savings would be nice too! But I think it would make the most sense to use the money to increase my earnings capacity…i. Boring, but true. Fortunately, I am not sick but a close friend of mine is sick. The extra 1K1 will help me pay off a portion of the medical bills. Our health should be our number one priority. Sometimes we take this important topic for granted.

Hello, My answer is different. I am getting married this weekend and going on our honeymoon in 2 weeks to Ireland my dream and Italy. We have budgeted very well for the wedding and I negotiated pretty well to not go into debt. I would love the money for our honeymoon for nice wine, tours, hotels, romantic dinners, etc to enjoy a nice trip together as husband and wife! I would use it to start paying my parents back after all the help they gave me throughout college. They deserve it more than I do.

Too bad this is more like a lotto random drawing. Good luck to the rest of you. I recently checked my credit report for the first time and discovered that my parents never paid for my tonsillitis years ago AND I was unaware that the bills were in my name. I would add it to my emergency fund matching the 1, I have managed to save since I started it in February.

Well after reading I will teach you to be rich! I would definitely get my brokerage account started and run that Lifecycle Fund. I would Automatically contribute to my new fund by rerouting some of my savings. I was actually saving for the lifecycle fund minimum so that money could be allocated for the fund and my money could start growing. I would then use the rest for backlink building to my products that are ranking on the first page of Google, but to push them even higher to position 1!

When that particular account reaches a certain point, I am using the money to begin my real estate investing. I would spend it on your Earn1K course — planting a money seed that would grow into a mighty money tree.

Share your thoughts and debate the big issues

In process of buying a house, since I have all bills covered plus paying extra, no cc debt, and auto payments to all my retirement and investments and long term contracts and revenue streams going, most likely I would literally just use it toward some of the appliance costs for the new house. I would use it pay off my credit card debt and any leftover money would put towards my student loan payments. Why would I expect such a high return? To weed out the dweebs.

His teeth are in pretty bad condition, and we have been meaning to get a start on fixing them for several years. He has been working very hard in school, and I think it would be great for his self confidence and health! And it would be a good incentive to get with the program and start fixing them! It would be dumb to waste it paying for some expense. It will be important to identify the point of greatest leverage in your business or personal life. I believe that whatever wealth I can attract right now is limited to whatever state I allow myself to be in. The other big asset to invest in would be in people.

I would convert it to UK pounds using xe. An overpayment in British terminology is paid against purely the capital of the mortgage, meaning the interest as calculated daily will decrease a little! I will use it to buy the productivity suite you recently had on sale. If I can get that on the same sale price, then use the remaining money on the preliminary earn1k course. I would pay off the last of my student loan. Honestly, I would spend it to go visit friends across the country. I would buy a plane ticket or train depending to visit friends in California, North Dakota, Oklahoma and other places depending.

If I had any money left I would save it up so after college is done I will have a little money to try and live on my own. Win-win all around. This would take another significant chunk out from them, taking me significantly closer to being debt-free. Not to sound like a sycophant, but I would put it into the Vanguard Roth Ira I just opened thanks to reading your book. Spend on paying off bills. Invest in necessary materials for my business. I would use this to pay down debt! I have a plan to be debt-free by Spring of and this would help advance me towards that goal much faster than I can currently manage.

Thanks for the contest opportunity! I would send it right to the credit card I am working on paying off by the end of the year. I hate being in debt, but we had some medical expenses that we are now paying off. I would pay off that student loan and not be broke every month. Thanks to all for the new learning! I left out a paragraph: Guess what I plan to do! It would temporarily join my emergency fund and later this month or next, be used to help pay to have my house painted.

Why breakfast at your office? As a year old cleantech entrepreneur, I aim to pick your brain and eat your discarded muffin bottoms. So, do you take your coffee with cream or sugar? I would use all of it to pay down my credit card debt, which is the highest-interest loan I have. Training can be hit or miss I know but I already have some personal projects that I am working on and a list of questions to ask during the hands-on part of the training so I think with this preparation I will get more out of it than normally.

I will talk to you on available courses from you or your friends, on how to start own business with my background. It would go into my Brazil trip fund. I would pay off my existing student loan, which in already in the process of doing, before going back to school this fall. I would use it to complete market and product testing for my startup, which is already gaining traction. They are always happy to help me out and play for food or much less than what they should but their generosity only makes it more difficult for me to ask for their kindness.

Anything left over would be set aside for the next time a similar project came along in which the budget was not sufficient to pay all those involved what they are worth. Thanks for the chance, Ramit! We are both extremely motivated and willing to do what it takes to get this going. Wether we receive this dowery or not it will go and we will work other jobs around this to accomplish our mission. The objective of this project is to provide a way to meet the needs of the community as well as serve one another.

Goals Using a web based tool similar to Craigslist or message boards, people in need can post their needs or have needs posted on their behalf by staff in a safe, secure and private way so that others can find ways to meet them. Our intent is to help others to meet the needs of the body through service, goods, and contribution to specific needs.

Solution Working with fellow everyday angels, we build a web tool whereby those in need can post their needs and we help facilitate the meeting of those needs both in body and through the technology of web based tools and e-commerce. A person posts the need to the board. Once accepted, that need is shared with any member of the community board without personal Information attached. If in the form of tangible goods, they can bring it to an EveryDay Angel Outpost school, home, church, community center.

Upon receipt, we will notify the person in need that the need is met and they can come to pick it up. They can then choose to send a message or thank you to the individual who helped meet that need if they wished to do so. For services, a person will choose to meet the need and given contact information so that they can help the person in need.

Financial contributions can be given to a general fund to help facilitate large needs and also as micro funds that can build towards needs of specific need requests. We want it to be as close to a one to one transaction as possible. We believe that new goods except automobiles instead of used goods will alleviate problems with broken things neither passed on to one another nor having to deal with repairs and delivery of items. I would legally change my name to Ramit Sethi, pat myself on the back and walk around town knowing I am in good company, then suddenly regret the decision, and pay to have it changed back.

Unfortunately, the NCAA does not allow a school to cover any of these expenses for prospective athletes. Helping to provide the kickstart to an education for one of these young females would not merely change her life, but, more importantly, likely save it. Without an education, the majority of these young ladies will die by the age of 45 or Why females? The answer is due to simple exponential math. I like your style. Great offer! I just need a bit more money first. So this money would be quite welcome!

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We paid mine off this month, hers will be paid in full in less than 12 months, and we will have our house paid off in about 41 months…. I would take a cabinet making course or two to and learn how to build furniture for fun and profit. Hello Ramit — having paid attention to your wisdom — I am already debt free!

I spent it already towards a vacation to glacier national park! Half of it would pay down our auto loan. The other half would be put into finishing our basement. I would use around for filling out the paperwork to start my own company, another for setting up a web page for that same company and use the rest for testing of business ideas paying for lunch with interesting people and stuff like that. The purpose of the company would be to enable me to study for an extended period and also take a few weekends abroad with my girlfriend.

I will first of all pay the registration fee for this online working from home job. I will invest half of it in business,part of it help the needy. Later the balance will clear my debts. Pay bar dues and buy a new Adobe design suite to help start my advertising mini-agency on the side. I would put it to my schooling. I would either give it to my dad because of how much he has helped me financially, or I would put it directly to my student loans.

Would not you wonder to whom will you gonna give that money? I would come to San Francisco from Turkey to meet with you! So as a new graduate I could take your personal advices and discover San Francisco! That could possibly be made easier if the have work unions or some kind of organization, so I could hit up the owners directly and convince them to invest in their employees. This could also in the future be videotaped and sold in DVD, once the market starts to get depleted. So visiting the Grand Canyon.. Yeah the Grand Canyon. We just sent the state registration in for the business name and will start contracting with vendors as soon as we receive the registration papers back.

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Extra capital would be fantastic and really speed up the process. Frankly, I would use it to help pay off my student loans. I have known quite a few entrepreneurs over the years and the ones who have succeeded are typically the ones who are doing what they love and loving life while they do it. Their debts are manageable and meticulously well planned, with few exceptions. My belief is that acts of generosity can start a chain of people helping one another out. Ramit, I would out all of it towards my credit card debt. Either that or towards my future engagement ring payment that will be made on a credit card.

Either way, its going towards new or old debt! Goal is debt-free! From what other folks have said about its effectivenes, it would be the best investment I could make with it. And whatever money I had left over from doing that I would use to get any tools I could identify to get more or better use my time.

Time is far more valuable than money, so any free money I get will be invested in getting more time! I am always looking for new ways to diversify my portfolio. The extra money erik help in doing this. With the thoughts of having my money work for me, you could say I am already thinking rich! Exploring all options.

Will soon get my PhD degree. Planning to be a day-trader after that. I know: Technically a swing trader but never mind the minutiae. No paper trading- went live from day one and am net-positive after 5 years. Learnt the tricks of the trade by investing my own money for the last few years. I have been there and have survived the game and made some money. Most of all loved every bit of it. Only recently I found a steady rhythm in the way I trade which made me take the leap. You know it when you see it.

I will do a small time job initially to pay part of my bills. The rest has to come from trading. Any money I get will go into my trading account. Thank you.

I would take my 10 year old son to Washington, DC for a 4 day weekend train there and fly back. Maybe go out to a nice dinner and save the rest for my next real estate purchase. Boring I know haha. Then pay for a dental x-ray to make sure my tooth is okay and that I am healthy to start a new job. Then I will be set to start my dream job. I would spend a portion to purchase books re finance — to learn about business statements etc. Pay off credit card debt.

That attitude may be why I have credit card debt in the first place. I would use the money to pay down Back Taxes. The Interest and Penalty are more than what I owe. This is killing me. Following your wisdom, I am finishing paying off my credit card debt. I have been doing a ton of research on the right type non-toxic, combination of different sizes, cheapest method of purchase of memory foam mattresses. I would build my own platform bed, order the mattresses…and actually wake up feeling rested and ready to go in the morning.

I am building the initial technical skills to begin freelancing in client based film work using techniques you outlined on Chase Jarvis Live. I will used the money to hire an experienced DSLR shooter on craigslist for a multi-week learning project to get me up to speed on the skills side of the business.

I would use it to: I would use half to pay off existing debt, and the other half for something cool like… a new shed for my back yard.. I recently found her after 52 years of wondering if she was still alive and if she would want to know me even if I found her. One thing I want to do is hire a professional photographer so I will have pictures of the moment we finally get to see each other in person. And by the way, all of this happened after both of my adoptive parents passed away on the same day last August and I found my adoption papers while cleaning out their house.

As part of the new garden program, the 5th grades will sell herbs as part of their regular fundraiser. I would invest the money in a pattent, for a medical testing device, that I believe would do extremely well. In an effort to earn more money for the family and teach my two young sons about money I would buy a pair of dogs that would be good family dogs and whose puppies would be easy to sell.

I would be able to teach my sons about biology and responsibility by having them help take care of the dogs. I would also teach them about money and marketing by having them help sell the puppies and count the money. I would also teach them about saving money and tithing by setting up a bank account for them and having them give some to church or a good charity. I hate doing vacations on a small budget.

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Hi Ramit! Ramit, First of all, thank you for putting this opportunity out there. Here is a rough idea of what I would like to do with the winnings. I would use it to take my children to Washington DC. My youngest son wants to see the white house and the capital and he is only 7. Then use the money to buy in. Sound Good? I stumbled upon a book by one of my favorite role models in the writing and health field, Dr.

Roni DeLuz.

After following her program from 21 Pounds in 21 Days, I reprogrammed my tastebuds and my belief systems subsequently. My life goals changed so much. I felt like I was turning into Gandhi. I would spend the money on company software for the insurance company that I currently sell for. The money I am saving up to buy a sailboat with with to sail around the world and raise awareness of individual power and provide real help to people who need it wherever they may need it. I would buy hardwood floors for my house. I would take myself and my boyfriend to Alinea in Chicago, and use the extra funds to get two three day passes to Lollapalooza for myself and my brother.

I would invest the money in the new business that I am currently help create and need the extra cash to get it off the ground. Knowing my daughter, she would save half of it. I tried to teach her well. I would use the money for boosting my business. It has always been my dream to start a film company and I have been doing commercials for businesses for a while now.

But I need some capital to form my LLC get business cards and really boost my business. But if I did win that is what I would use it for. And I would try to save some of it and buy stock with Apple or HP or Dell, depending on which one is the best choice. I would invest in people.

The return on investment in people is big on the front end and grows exponentially as they in turn invest in others. So I would donate the money to a local organization that provides food and housing to those at the bottom of the barrel of life. I would spend half on re-doing our apartment to make it more organized and functional. The other half would go to the laptop fund.

I would buy presents for my wife for her birthday and invest in myself more a Udemy course, etc. The rest of the money would go towards my planned trip to Nicaragua to help feed the many starving children. This is the charity website I support. I would buy a couple bicycles for me and my family, and then buy some food, a whole stock pile of it. I would do the boring thing and put it in my Roth IRA.

I had a long job drought so I have not gotten to contribute very much to it lately. I have a job, now though I am using the techniques in Dream Job to improve my standing and prepare for the next one in a year or two. Pay of my student loan and keep some to have a night out with the girl for once instead of studying.. I would buy call options on Apple stock. I would use the money to pay for 3 months supply of a drug I use. My insurance is in the donut hole, meaning I pay double for the cost of the medication.

The balance would go in my checking account. I would re-direct a third of that money towards my Roth IRA, the other third towards savings, and the last third towards printing promo cards to send to advertising agencies to promote my photography work. Use a thousand to fly out to San Francisco or New York for a couple of days and say thank you in person to the brilliant man who wrote the check and changed my life over the last year or so.

Woop Woop! That way I would be a month ahead. Give or take taxes on items! I would invest it with kickstarter. These folks here could definitely use a bump for a great cause: I started a small business about a year ago selling gourmet crackers that also happen to be healthful. I am plugging along getting the business going while my husband generously puts bread on our table and provides me with some cash infusions for the business. I realize that I need to take the business to the next level and outsource some things.

I would put it toward a new synthesizer keyboard that sounds so much better than the 13 year old piano keyboard I currently use. It would add depth and expression to performances because it sounds so incredible. I would definitely use the money to pay off my education loan! And that debt off will spur me to do a career switch into social enterprise work.

I would use it to buy more video equipment. I am growing the business and more capital would be helpful. I have had to take some money out of it for some unexpected expenses, and my balance is not as high as it once was. The Blendtec is the sportscar of blenders. Or like the convertible car lovers dream of. If you ever wondered what cooks dream of, I tell you Ramit, they dream of Blendtec. Invest it in myself by hiring a personal running coach to help me reach my goal of qualifying for the Boston Marathon as part of my larger goal to run a marathon in every state!

I have 6 kids, 3 of us live in a room I am renting.. I know I can get an apartment for a few more bucks per month.. I would use the money to help us get a bigger place.. I currently just got hired for a temporary position so I would use the money to help pay for transportation to and from work, daycare fees, and Bills rent, utilities, student loan , add to my IRA account and restart my emergency savings account.

I would be torn in between putting it on my car or getting everything else ready for my new baby. I would also take my wife out for a romantic dinner at her favorite Spanish restaurant. After profit: And the penny for my thoughts! I would take my little brother on a trip to San Francisco to reconnect with his childhood friend and introduce him to the tech community! I spent the money on having my product designed. It helps parents break free of the so they can start living their lives now and, most importantly, spend time with their kids while they are young.

I would invest in myself by enrolling in local college to acquire up to date skills to be of more interest to hiring managers! Long term it provides woohoo with marketing budget and more profitability. Even longer term it gets me closer to the bigger purpose faster of making fitness accessible to everyone and creating awesomeness. I would pay down my PLUS graduate loan.

Put it into a new account and redirect my student auto-loan withdrawal there so that I can keep it off of my radar for a few months. I currently use my work computer or the free computers at the library for all of my personal computer needs. It seemed silly to spend money on something that was a going to be outdated in a few years and b has been available for free. I have a game in development. I want to pour all this money into hiring an artist to create some game art so it can get to market faster.

A low priced stock more speculative than I usually buy. Hopefully it will do well. I will pay for 12 weeks of private pilates lessons. Becoming healthy and fit are more important than anything else to me right now. I would use it to pay off some of my student loans!

Put some of the money in my savings 4. Buy some shares of a municipal bond fund. Purchase some dividend paying stocks 6. Go out to dinner with some friends! As a single Mom, of three boys, I would take them on the Disneyland trip I have been promising them since the divorce happened three years ago. They have been good at listening to me say no to toys, fast food and other non essentials so we can save up. I need someone there who can navigate the intricacies of investing and hiring in that country.

I will reinvest the interest again in the same FD. My dream is to be a Group Travel Organizer. I would also be able to launch my business and start doing some marketing to have my first group travel within 3 months. Having someone to guide me always pushes my work along much faster and makes me more dedicated. So, invest in your course, get my own dream job faster, pay down ALL my student loans faster.

Much better investment than just paying down one loan. I would use the funds to hire a consultant for web site creation and monetizing a digital product.

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I would like to start a blog related to being a top performer in law school, how to get a big firm job and career consulting for law school graduates. For the few the succeed, however, the opportunities are endless. I am one of those who succeeded and know exactly what to do to get where I am. I just have no idea where to start on creating the project, website and platform. Hence the need for a consultant. Sean Ogle is offering a consulting service called the Location Rebel InfoProduct Creation Application, which seems like a great opportunity. My boyfriend just got laid off so I would put as much as needed towards next months rent and the remaining would be used to pay off credit card debt.

Get certified and then maintain the certification in salesforce. With this initial emergency fund established, I would funnel all my additional and unallocated income to paying off debt and funding my next savings goal. I would update my camera, put the money towards the one I have been drooling over for a year an a half. The skills from this will allow me to have a deep understanding of how to plan and execute a succesful social media campaign for my membership that is due to launch.

This should give almost instant traffic and then members to my site which I can then build on with the funds I earn. Work hard and play hard. I would buy the best wheelchair I could get. I am mostly housebound due to a number of ailments and would love to be able to get out and do things again. I have no idea. They go into a savings account, because what I need more than money is time.

Basically, invest in myself. I do not want my daughter to go into debt to pay for school! I would buy a car. Without a car, you need quite a bit of cashflow to get a cab not being posh, if I am called to work at 5. It makes saving for a car more difficult, or at least will take more time.

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Two big-ticket items I have coming down the pipeline: Maybe it would go toward that instead, especially if a magic funding source like a TAship… woo… appeared for the MPH. Then put the remainder in my savings. I am taking my son to New York for his 21st birthday in July. I would take a risk on improving myself and with the additional knowledge or skill, be able to parlay that into long term income.

The investment in self, might include some type of training or coaching or course. That type of money invested in SELF continues to grow. Either individually or some type of very small group. Hi Ramit, thanks for your offer. Buy a nice bed. Why not make it the best possible sleep so that I can be more awesome during waking hours. I would boost up my plan for advertising my bagpipe instruction and performance company here in Marietta, GA. Then I would purchase some supplies and get my equipment updated so I could work on marketing instead of fiddling with my instruments.

Finally I would take several people to nice lunches so I can pick their brains! Being free from the shackles of debt is the most important thing to me. A memorable trip with college friends When: By Car Who: Me and Friends Why: I would take the dollars, which is around in euros and take myself and my husband to Lilly Airport in Madrid and get jump with a parachute and make a video, upload it to the Internet and share with all our friends.

Pretty simple, since my system is automated thanks to you! The rest for me to enjoy!! I would probably use it to pay off my credit card, stash a little bit in my savings, and take my over worked, under staffed coworkers out for a fun activity like lazer tag or a wine tasting. Hey Remit! First of all, just got your book from the library—awesome.

About Dollers would go for learning to make clothes myself, the machine books and cloth, Dollars would be gradually used to have fun, go out with friends, because expierence enriches life more then most material things. I am a struggling, poor first-year student, trying to avoid the seemingly inevitable idea of having to take out a loan. I am trying to convince my mother that I do not need one!

Applying for scholarships left and right, working Mondays and Wednesdays to pay for classes I take on Tuesdays and Thursdays. My method of madness has helped me scrape by the first year. I would first get a passport because my girlfriend has a suitcase in Australia full of cash and we need to go pick it up.

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