--- title: "Meaning & Key Takeaway of: Spend extravagantly on the things you…" description: "\"“Spend extravagantly on the things you love, and cut costs mercilessly on the things you don’t.”\" — Ramit Sethi" image: "https://sms4smile.com/quotes/i/8b0/ramit-sethi-22859_spend_spend-extravagantly-on-the-things-you-lo_835988.png" --- # Spend extravagantly on the things you love, and cut costs… ![“Spend extravagantly on the things you love, and cut costs mercilessly on the things you don’t.” quote by Ramit Sethi](https://sms4smile.com/quotes/i/8b0/ramit-sethi-22859_spend_spend-extravagantly-on-the-things-you-lo_835988.png) [Download](https://sms4smile.com/quotes/i/8b0/ramit-sethi-22859_spend_spend-extravagantly-on-the-things-you-lo_835988.png) [Open image](https://sms4smile.com/quotes/i/8b0/ramit-sethi-22859_spend_spend-extravagantly-on-the-things-you-lo_835988.png) > ““Spend extravagantly on the things you love, and cut costs mercilessly on the things you don’t.”” [Ramit Sethi](https://sms4smile.com/quotes/author/ramit-sethi/) ## About This Quote This interpretation was drafted with AI assistance. It is one reading of the quote, not the author's own explanation. Prioritize spending on passions while rigorously trimming expenses on non‑essentials to maximize happiness and financial health. **In simple terms:** Spend on love, cut on waste. Key Takeaway Allocate resources to what truly matters. Themes personal finance values budgeting Mood motivated pragmatic Type advice financial When to use this quote - family vacations - hobbies - daily meals - subscription services - luxury items Key Concepts opportunity cost joy maximization Questions to Reflect On - What could you cut without sacrificing joy? - How does this approach affect long‑term wealth? A Different Perspective May overlook hidden costs in essential categories. ★ ★ ★ ★ ★ No ratings yet [Costs Mercilessly](https://sms4smile.com/quotes/about/costs-mercilessly-599413/) [Extravagantly](https://sms4smile.com/quotes/about/extravagantly-599414/) [Extravagantly Things](https://sms4smile.com/quotes/about/extravagantly-things-599412/) [Spend](https://sms4smile.com/quotes/about/spend/) [Spend Extravagantly](https://sms4smile.com/quotes/about/spend-extravagantly-599411/) ## Related quotes > [Frugality, quite simply, is about choosing the things you love enough to spend extravagantly on—and then cutting costs mercilessly on the things you don’t…](https://sms4smile.com/quotes/ramit-sethi/frugality-quite-simply-is-about-choosing-the-things-you-love-enough/) [Ramit Sethi](https://sms4smile.com/quotes/author/ramit-sethi/) > [“One never knows if anything's a good idea. You just make a choice and go with the flow and see what happens. You only…](https://sms4smile.com/quotes/wm-paul-young/one-never-knows-if-anything-s-a-good-idea-you-just-make-a-choice-and/) [Wm. Paul Young](https://sms4smile.com/quotes/author/wm-paul-young/) > [Lovers, children, heroes, none of them do we fantasize as extravagantly as we fantasize our parents.](https://sms4smile.com/quotes/francine-du-plessix-gray/lovers-children-heroes-none-of-them-do-we-fantasize-as-extravagantly/) [Francine du Plessix Gray](https://sms4smile.com/quotes/author/francine-du-plessix-gray/) > [An opera may be allowed to be extravagantly lavish in its decorations, as its only design is to gratify the senses and keep up…](https://sms4smile.com/quotes/joseph-addison/an-opera-may-be-allowed-to-be-extravagantly-lavish-in-its-decorations/) [Joseph Addison](https://sms4smile.com/quotes/author/joseph-addison/) > [Honor is but an itch in youthful blood of doing acts extravagantly good](https://sms4smile.com/quotes/samuel-howard/honor-is-but-an-itch-in-youthful-blood-of-doing-acts-extravagantly/) [Samuel Howard](https://sms4smile.com/quotes/author/samuel-howard/) > [Those who think that in order to dress well it is necessary to dress extravagantly or grandly, make a great mistake. Nothing so well…](https://sms4smile.com/quotes/george-d-prentice/those-who-think-that-in-order-to-dress-well-it-is-necessary-to-dress/) [George D. Prentice](https://sms4smile.com/quotes/author/george-d-prentice/) > [White people have always slipped in and out of the experiences of people of color and been praised extravagantly for it.](https://sms4smile.com/quotes/jenny-zhang/white-people-have-always-slipped-in-and-out-of-the-experiences-of/) [Jenny Zhang](https://sms4smile.com/quotes/author/jenny-zhang/) > [God loves us extravagantly, ridiculously, without limit or condition.](https://sms4smile.com/quotes/roberta-bondi/god-loves-us-extravagantly-ridiculously-without-limit-or-condition/) [Roberta Bondi](https://sms4smile.com/quotes/author/roberta-bondi/) > [My grandmother made sure that I went to church every Sunday. And she'd come over and pick us boys up, and we would go…](https://sms4smile.com/quotes/john-mellencamp/my-grandmother-made-sure-that-i-went-to-church-every-sunday-and-she-d/) [John Mellencamp](https://sms4smile.com/quotes/author/john-mellencamp/) > [“Don't let someone spend money who never earned it.”](https://sms4smile.com/quotes/nick-cole/don-t-let-someone-spend-money-who-never-earned-it/) [Nick Cole](https://sms4smile.com/quotes/author/nick-cole/) > [France has not only built a bureaucratic barrier against American culture, it has constructed a notorious intellectual case against it as well. The French…](https://sms4smile.com/quotes/tyler-cowen/france-has-not-only-built-a-bureaucratic-barrier-against-american/) [Tyler Cowen](https://sms4smile.com/quotes/author/tyler-cowen/) > [I do spend a lot of weekends on the road. I have to pace myself. It can be pretty busy, but I'm not out…](https://sms4smile.com/quotes/gary-sinise/i-do-spend-a-lot-of-weekends-on-the-road-i-have-to-pace-myself-it-can/) [Gary Sinise](https://sms4smile.com/quotes/author/gary-sinise/) > [In France they spend six months training policemen, then they give them a gun and put them on the streets, and I don't know…](https://sms4smile.com/quotes/mathieu-kassovitz/in-france-they-spend-six-months-training-policemen-then-they-give/) [Mathieu Kassovitz](https://sms4smile.com/quotes/author/mathieu-kassovitz/) > [We don't spend loads of money. I want to make sure that when I'm gone, my wife is looked after and financially safe.](https://sms4smile.com/quotes/gregg-wallace/we-don-t-spend-loads-of-money-i-want-to-make-sure-that-when-i-m-gone/) [Gregg Wallace](https://sms4smile.com/quotes/author/gregg-wallace/) > [Time is priceless. You have it, but you don't own it. You spend it, but you can't keep it. And once it's gone, there's…](https://sms4smile.com/quotes/anonymous/time-is-priceless-you-have-it-but-you-don-t-own-it-you-spend-it-but/) [Anonymous](https://sms4smile.com/quotes/author/anonymous/) ## More by Ramit Sethi > [In a world of infinite choice if something is not made specifically for me I'm gone.](https://sms4smile.com/quotes/ramit-sethi/in-a-world-of-infinite-choice-if-something-is-not-made-specifically/) [Ramit Sethi](https://sms4smile.com/quotes/author/ramit-sethi/) > [If something isn't working, don't try harder or do more. Do something DIFFERENT.](https://sms4smile.com/quotes/ramit-sethi/if-something-isn-t-working-don-t-try-harder-or-do-more-do-something/) [Ramit Sethi](https://sms4smile.com/quotes/author/ramit-sethi/) > [“I live in the world of what is notwhat should be.”](https://sms4smile.com/quotes/ramit-sethi/i-live-in-the-world-of-what-is-notwhat-should-be/) [Ramit Sethi](https://sms4smile.com/quotes/author/ramit-sethi/) > [Consistency is necessary, but its not sufficient to make it to a level that breaks you out in front of everyone else.](https://sms4smile.com/quotes/ramit-sethi/consistency-is-necessary-but-its-not-sufficient-to-make-it-to-a-level/) [Ramit Sethi](https://sms4smile.com/quotes/author/ramit-sethi/) > [How do you decisions change if retirement is not an option?](https://sms4smile.com/quotes/ramit-sethi/how-do-you-decisions-change-if-retirement-is-not-an-option/) [Ramit Sethi](https://sms4smile.com/quotes/author/ramit-sethi/) > [“Before you go further, I encourage you to set your goals today. Why do you want to be rich? What do you want to…](https://sms4smile.com/quotes/ramit-sethi/before-you-go-further-i-encourage-you-to-set-your-goals-today-why-do/) [Ramit Sethi](https://sms4smile.com/quotes/author/ramit-sethi/) > [“You have to get off your chair and into life.”](https://sms4smile.com/quotes/ramit-sethi/you-have-to-get-off-your-chair-and-into-life/) [Ramit Sethi](https://sms4smile.com/quotes/author/ramit-sethi/) > [“been paying fees, use the negotiating tactic on page 64 to get your account”](https://sms4smile.com/quotes/ramit-sethi/been-paying-fees-use-the-negotiating-tactic-on-page-64-to-get-your/) [Ramit Sethi](https://sms4smile.com/quotes/author/ramit-sethi/) > [Most people never realize that 80% of the work is done before you step in a room. That's why they spend their entire lives…](https://sms4smile.com/quotes/ramit-sethi/most-people-never-realize-that-80-of-the-work-is-done-before-you-step/) [Ramit Sethi](https://sms4smile.com/quotes/author/ramit-sethi/) > [“We need to set up accounts at a reliable no-fee bank and then automate savings and bill payment.”](https://sms4smile.com/quotes/ramit-sethi/we-need-to-set-up-accounts-at-a-reliable-no-fee-bank-and-then/) [Ramit Sethi](https://sms4smile.com/quotes/author/ramit-sethi/) > [“Ask people what they want don' tell them what they need.”](https://sms4smile.com/quotes/ramit-sethi/ask-people-what-they-want-don-tell-them-what-they-need/) [Ramit Sethi](https://sms4smile.com/quotes/author/ramit-sethi/) > [“Compounding,” Albert Einstein said, “is mankind’s greatest invention because it allows for the reliable, systematic accumulation of wealth.”](https://sms4smile.com/quotes/ramit-sethi/compounding-albert-einstein-said-is-mankind-s-greatest-invention/) [Ramit Sethi](https://sms4smile.com/quotes/author/ramit-sethi/) > [Who wins at the end of the day? The self-satisfied people who heatedly debate some obscure details? Or the people who sidestep the entire…](https://sms4smile.com/quotes/ramit-sethi/who-wins-at-the-end-of-the-day-the-self-satisfied-people-who-heatedly/) [Ramit Sethi](https://sms4smile.com/quotes/author/ramit-sethi/) > [Every failure contains valuable data that will point you in the right direction.](https://sms4smile.com/quotes/ramit-sethi/every-failure-contains-valuable-data-that-will-point-you-in-the-right/) [Ramit Sethi](https://sms4smile.com/quotes/author/ramit-sethi/) > [Charging a premium amount allows me to offer a premium service.](https://sms4smile.com/quotes/ramit-sethi/charging-a-premium-amount-allows-me-to-offer-a-premium-service/) [Ramit Sethi](https://sms4smile.com/quotes/author/ramit-sethi/) [Explore all 27 Ramit Sethi quotes ](https://sms4smile.com/quotes/author/ramit-sethi/) ## More Spend quotes > [Time is priceless. You have it, but you don't own it. You spend it, but you can't keep it. And once it's gone, there's…](https://sms4smile.com/quotes/anonymous/time-is-priceless-you-have-it-but-you-don-t-own-it-you-spend-it-but/) [Anonymous](https://sms4smile.com/quotes/author/anonymous/) > [We don't spend loads of money. I want to make sure that when I'm gone, my wife is looked after and financially safe.](https://sms4smile.com/quotes/gregg-wallace/we-don-t-spend-loads-of-money-i-want-to-make-sure-that-when-i-m-gone/) [Gregg Wallace](https://sms4smile.com/quotes/author/gregg-wallace/) > [In France they spend six months training policemen, then they give them a gun and put them on the streets, and I don't know…](https://sms4smile.com/quotes/mathieu-kassovitz/in-france-they-spend-six-months-training-policemen-then-they-give/) [Mathieu Kassovitz](https://sms4smile.com/quotes/author/mathieu-kassovitz/) > [I do spend a lot of weekends on the road. I have to pace myself. It can be pretty busy, but I'm not out…](https://sms4smile.com/quotes/gary-sinise/i-do-spend-a-lot-of-weekends-on-the-road-i-have-to-pace-myself-it-can/) [Gary Sinise](https://sms4smile.com/quotes/author/gary-sinise/) > [France has not only built a bureaucratic barrier against American culture, it has constructed a notorious intellectual case against it as well. The French…](https://sms4smile.com/quotes/tyler-cowen/france-has-not-only-built-a-bureaucratic-barrier-against-american/) [Tyler Cowen](https://sms4smile.com/quotes/author/tyler-cowen/) > [“Don't let someone spend money who never earned it.”](https://sms4smile.com/quotes/nick-cole/don-t-let-someone-spend-money-who-never-earned-it/) [Nick Cole](https://sms4smile.com/quotes/author/nick-cole/) > [My grandmother made sure that I went to church every Sunday. And she'd come over and pick us boys up, and we would go…](https://sms4smile.com/quotes/john-mellencamp/my-grandmother-made-sure-that-i-went-to-church-every-sunday-and-she-d/) [John Mellencamp](https://sms4smile.com/quotes/author/john-mellencamp/) > [You can't buy time or save it, common idioms notwithstanding. You can only spend it.](https://sms4smile.com/quotes/eric-zorn/you-can-t-buy-time-or-save-it-common-idioms-notwithstanding-you-can/) [Eric Zorn](https://sms4smile.com/quotes/author/eric-zorn/) > [I just want to be Patty McCormack. I want to spend every year aging the way she has.](https://sms4smile.com/quotes/janet-varney/i-just-want-to-be-patty-mccormack-i-want-to-spend-every-year-aging/) [Janet Varney](https://sms4smile.com/quotes/author/janet-varney/) > [I'm not willing to spend too much time away from my kids, so I usually don't work that much.](https://sms4smile.com/quotes/leslie-mann/i-m-not-willing-to-spend-too-much-time-away-from-my-kids-so-i-usually/) [Leslie Mann](https://sms4smile.com/quotes/author/leslie-mann/) > [Ireland's always going to be my home, but so much is filmed in L.A., so you have to spend time out here.](https://sms4smile.com/quotes/sarah-bolger/ireland-s-always-going-to-be-my-home-but-so-much-is-filmed-in-l-a-so/) [Sarah Bolger](https://sms4smile.com/quotes/author/sarah-bolger/) > [It's kind of hard to spend long hours trying to help people and then find out that the favorite game of the columnist is…](https://sms4smile.com/quotes/bill-scott/it-s-kind-of-hard-to-spend-long-hours-trying-to-help-people-and-then/) [Bill Scott](https://sms4smile.com/quotes/author/bill-scott/) > [The price we are willing to pay for safety cannot be infinite. It is distasteful to put a price on human life, but the…](https://sms4smile.com/quotes/peter-singer/the-price-we-are-willing-to-pay-for-safety-cannot-be-infinite-it-is/) [Peter Singer](https://sms4smile.com/quotes/author/peter-singer/) > [I can't live with art: I'd spend too much time tweaking it.](https://sms4smile.com/quotes/thelma-golden/i-can-t-live-with-art-i-d-spend-too-much-time-tweaking-it/) [Thelma Golden](https://sms4smile.com/quotes/author/thelma-golden/) > [It's more common than not that bipolar illness will start in the teens. One of the reasons I spend a lot of time on…](https://sms4smile.com/quotes/kay-redfield-jamison/it-s-more-common-than-not-that-bipolar-illness-will-start-in-the/) [Kay Redfield Jamison](https://sms4smile.com/quotes/author/kay-redfield-jamison/) [Browse all 1,956 Spend quotes ](https://sms4smile.com/quotes/about/spend/) ```json { "@context": "https://schema.org", "@graph": [ { "@type": "Quotation", "text": "“Spend extravagantly on the things you love, and cut costs mercilessly on the things you don’t.”", "creator": { "@type": "Person", "name": "Ramit Sethi" }, "isPartOf": { "@id": "https://sms4smile.com/quotes/#website" }, "url": "https://sms4smile.com/quotes/ramit-sethi/spend-extravagantly-on-the-things-you-love-and-cut-costs-mercilessly/", "about": { "@type": "Thing", "name": "Spend" }, "@id": "https://sms4smile.com/quotes/ramit-sethi/spend-extravagantly-on-the-things-you-love-and-cut-costs-mercilessly/#quotation", "image": { "@type": "ImageObject", "@id": "https://sms4smile.com/quotes/i/8b0/ramit-sethi-22859_spend_spend-extravagantly-on-the-things-you-lo_835988.png", "contentUrl": "https://sms4smile.com/quotes/i/8b0/ramit-sethi-22859_spend_spend-extravagantly-on-the-things-you-lo_835988.png", "url": "https://sms4smile.com/quotes/i/8b0/ramit-sethi-22859_spend_spend-extravagantly-on-the-things-you-lo_835988.png", "width": 1080, "height": 1080, "caption": "“Spend extravagantly on the things you love, and cut costs mercilessly on the things you don’t.” — Ramit Sethi", "creditText": "SMS4Smile Quotes", "creator": { "@id": "https://sms4smile.com/quotes/#organization" } } }, { "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://sms4smile.com/" }, { "@type": "ListItem", "position": 2, "name": "Quotes", "item": "https://sms4smile.com/quotes/" }, { "@type": "ListItem", "position": 3, "name": "Ramit Sethi", "item": "https://sms4smile.com/quotes/author/ramit-sethi/" }, { "@type": "ListItem", "position": 4, "name": "“Spend extravagantly on the things you...", "item": "https://sms4smile.com/quotes/ramit-sethi/spend-extravagantly-on-the-things-you-love-and-cut-costs-mercilessly/" } ], "@id": "https://sms4smile.com/quotes/ramit-sethi/spend-extravagantly-on-the-things-you-love-and-cut-costs-mercilessly/#breadcrumb" }, { "@type": "WebSite", "@id": "https://sms4smile.com/quotes/#website", "name": "SMS4Smile Quotes", "url": "https://sms4smile.com/quotes/", "publisher": { "@id": "https://sms4smile.com/quotes/#organization" } }, { "@type": "Organization", "@id": "https://sms4smile.com/quotes/#organization", "name": "SMS4Smile Quotes", "url": "https://sms4smile.com/quotes/", "logo": { "@type": "ImageObject", "url": "https://sms4smile.com/quotes/wp-content/themes/sq/assets/icons/icon-512.png", "width": 512, "height": 512 } } ] } ```