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“A unique voice on money,




                                                    i w r d an
                                                do


                                                       i l l ail d i
                                                    wn
                                                           fo ds,
 one singularly attuned to…his generation.”




                                                            t e y t nt
                                                              loa


                                                                a c ac er
I WIll
                                                                   h y tic act
                                                                   Vis u t o l tip e sp
                         —San FranciSco chronicle




                                                                      o a iv
                                                                       it b e r s, b re
                                                                               i c on ads
                                                                                  h . us h
                                                                                     co
                                                                                        m
                                                                                           ee
                                                                                              ts
TEAch
You
                                                         by
                                          RAmIT SEThI
                                               founder and writer of
                                          iwillteachyoutoberich.com




ToBE                                                No Guilt.
                                                    No Excuses.
                                                    No B.S.
                                                    Just a
                                                    6-Week
                                                    Program
                                                    That Works
I Will Teach You to Be Rich




                       alert to students

     If you’re a student, there’s no reason you shouldn’t have an account
     with no fees and no minimums. If you decide to stick with a Big Bank
     account, make sure you’re in a student account with no annual fees.
     Here’s how the conversation will probably go:

     You: Hi, I’m a student and I’d like to get a savings account and a
     checking account with no annual fees. I’d like free checking and no
     minimum balance, please.

     Banker: I’m really sorry, but we don’t offer those anymore.

     You: Really? That’s interesting because [Bank of America/Wells
     Fargo/Washington Mutual/other competitor] is offering me that exact
     deal right now. Could you check again and tell me which comparable
     accounts you offer?

         (Eighty percent of the time, you’ll get a great account at this
     point. If not, ask for a supervisor.)

     suPervIsor: Hi, how can I help you?

     You: (Repeat argument from the beginning. If the supervisor doesn’t
     give you an option, add this:) Look, I’ve been a customer for X years
     and I want to find a way to make this work. Plus, I know that your
     customer-acquisition cost is more than two hundred dollars. What can
     you do to help me stay a customer?

     suPervIsor: What an astounding coincidence. My computer is
     suddenly allowing me to offer the exact account you asked for!

     You: Why, thank you, kind sir. (Sip Darjeeling tea.)

         You’re in a customer group that’s very profitable for banks: ING
     Direct and the American Bankers Association put the cost of acquiring
     a new customer between $100 and $3,500—including all of their
     advertising, personnel, and technology costs. They don’t want to lose
     you over something as small as a $5 monthly fee. Use this knowledge
     as leverage whenever you contact any financial company.




64
Get the full
                        book at
                        Amazon.com



About the book

At last, for a generation that's materially ambitious
yet financially clueless comes I Will Teach You To
Be Rich, Ramit Sethi's 6-week personal finance
program for 20-to-35-year-olds. A completely
practical approach based around the four pillars of
personal finance—banking, saving, budgeting, and
investing—and the wealth-building ideas of
personal entrepreneurship.

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Students: Use this call script to get free bank accounts

  • 1. “A unique voice on money, i w r d an do i l l ail d i wn fo ds, one singularly attuned to…his generation.” t e y t nt loa a c ac er I WIll h y tic act Vis u t o l tip e sp —San FranciSco chronicle o a iv it b e r s, b re i c on ads h . us h co m ee ts TEAch You by RAmIT SEThI founder and writer of iwillteachyoutoberich.com ToBE No Guilt. No Excuses. No B.S. Just a 6-Week Program That Works
  • 2. I Will Teach You to Be Rich alert to students If you’re a student, there’s no reason you shouldn’t have an account with no fees and no minimums. If you decide to stick with a Big Bank account, make sure you’re in a student account with no annual fees. Here’s how the conversation will probably go: You: Hi, I’m a student and I’d like to get a savings account and a checking account with no annual fees. I’d like free checking and no minimum balance, please. Banker: I’m really sorry, but we don’t offer those anymore. You: Really? That’s interesting because [Bank of America/Wells Fargo/Washington Mutual/other competitor] is offering me that exact deal right now. Could you check again and tell me which comparable accounts you offer? (Eighty percent of the time, you’ll get a great account at this point. If not, ask for a supervisor.) suPervIsor: Hi, how can I help you? You: (Repeat argument from the beginning. If the supervisor doesn’t give you an option, add this:) Look, I’ve been a customer for X years and I want to find a way to make this work. Plus, I know that your customer-acquisition cost is more than two hundred dollars. What can you do to help me stay a customer? suPervIsor: What an astounding coincidence. My computer is suddenly allowing me to offer the exact account you asked for! You: Why, thank you, kind sir. (Sip Darjeeling tea.) You’re in a customer group that’s very profitable for banks: ING Direct and the American Bankers Association put the cost of acquiring a new customer between $100 and $3,500—including all of their advertising, personnel, and technology costs. They don’t want to lose you over something as small as a $5 monthly fee. Use this knowledge as leverage whenever you contact any financial company. 64
  • 3. Get the full book at Amazon.com About the book At last, for a generation that's materially ambitious yet financially clueless comes I Will Teach You To Be Rich, Ramit Sethi's 6-week personal finance program for 20-to-35-year-olds. A completely practical approach based around the four pillars of personal finance—banking, saving, budgeting, and investing—and the wealth-building ideas of personal entrepreneurship.