You don’t have to be perfect to be rich. Or the smartest person in the room. Or a type-A personality. In fact, with Ramit Sethi’s six-week program to financial independence, you can start with any amount of money, do just 85 percent of what he suggests, and succeed brilliantly through good times and bad. As irreverent and entertaining as he is practical and wise, Sethi explains how to beat banks and credit cards at the fee game, automate your cash flow, negotiate for a raise, manage student loans, and enjoy your lattes and Manolo Blahniks by practicing conscious spending. It’s how to master your money with the least amount of effort-and then get on with your life.