How I Stopped Overthinking Money: The 85% Rule

From the book of Ramit Sethi’s I Will Teach You to Be Rich

This is A Day 15 entry of my 100 days reading journey.

I’ve always been someone who overthinks things,

especially when it comes to money.

I would spend so much time worrying about questions like,

“Should I save more or pay off debt first?

Am I using the best bank account? Am I investing the right way?”

The more I thought about it, the harder it became to take action. Most of the time, I ended up doing nothing at all.

Photo by Towfiqu barbhuiya on Unsplash

Then, I read about something called the 85 Percent Solution in Ramit Sethi’s I Will Teach You to Be Rich, and it completely changed how I handle my finances.

The idea is simple: you don’t need to get everything perfect.

Just aim to do 85 percent of what’s important, and that’s good enough.

This was a huge relief for me. I realized I didn’t have to make the “perfect” decision every time.