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All his referrals are based off his own personal experience, and also when you haven’t an idea of where to start– like there’s such a thing as a high-interest savings account (whaaa?! D. Roth, Editor, GetRichSlowly.org Free shipping for many products! The moment you get to the section on substance interest, you’ll have your Oprah Winfrey aha minute full with the new auto (close enough) that has you sending me digital high fives for informing you to SIMPLY BEGINNING today! (There’s got to be SOME benefit of writing this list.) Ramit Sethi is New York Times best-selling author of I Will Teach You To Be Rich. He shares several word-for-word scripts that you can use to dispute charges, get fees waived, and more. 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