Before you go further, I encourage you to think about your Rich Life. Why do you want to be rich? What do you want to do with your wealth?

The most important practical difference between checking accounts and savings accounts is that you withdraw money regularly from your current account, but you rarely withdraw from your savings account. Current accounts are built for frequent withdrawals: they have debit cards and ATMs for your convenience. But your savings account is really a

The Pocket Tracker for Tracking Credit Card Calls

The single most important factor to getting rich is getting started, not being the smartest person in the room.

like 20% down, a 30- year fixed-rate mortgage and a total monthly payment that represents no more than 30% of your gross income.

1. A Rich Life means you can spend extravagantly on the things you love as long as you cut costs mercilessly on the things you don’t.

“Hi there. I checked my credit and noticed that I have a 750 credit score, which is pretty good. I’ve been a customer of yours for the last four years, so I’m wondering what special promotions and offers you have for me . . . I’m thinking of fee waivers and special offers that you use for customer retention.”

THE À LA CARTE METHOD takes advantage of psychology to cut our spending. Here’s how it works. Cancel all the discretionary subscriptions you can: your magazines, TV — even your gym. Then, buy what you need à la carte. Instead of paying for a ton of channels you never watch on satellite, buy only the episodes you watch for £2.49 each from iTunes.

Whenever you make a call regarding a dispute on your bill, you wouldn’t believe how powerful it is to refer back to the last time you called—citing the rep’s name, the date of the conversation and your call notes. Most credit card reps you talk to will simply give in because they know you came to play in the big leagues. When you use this to