Ramit Sethi is the author of the New York Times bestseller, "I Will Teach You To Be Rich." He considers real estate investments to be terribly overrated ... but he knows he and his wife will still want to buy a house someday. He's been saving for that house since his late 20s, thanks to a strategy he implemented in his early 20s: a sub-saving account that receives monthly automated contributions, allowing him to save passively.