By Ramit Sethi
Compare two people trying to get an edge in life after starting with debt.
John focuses on small wins: removing little costs wherever possible. He sets up a budget. He cuts back on his daily lattes. He doesn’t buy new clothes. He doesn’t go out much.
Chris focuses on big wins: a few things he can do once that will pay him back forever. He negotiates multiple salary increases, including a $20,000 raise. He negotiates his rent from $2,000 per month down to $1,500 per month.
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