One of the few peo­ple I lis­ten to on finan­cial mat­ters, Ramit Sethi, has pro­duced a great list of 10 links to walk you through today’s finan­cial cri­sis — and make you smarter than 99% of other peo­ple.

I would pro­vide you with the 10 here, but it’s best to go to Ramit’s arti­cle for his com­ments on each.

The crux of the issue is some­thing I allude to on occa­sion and is very sim­ple: save more, spend as con­sciously as pos­si­ble, and con­cen­trate on asset allo­ca­tion — not on tim­ing the mar­ket.

For more learned advice from Ramit, I sug­gest watch­ing his 3-minute video answer­ing read­ers’ finance ques­tions.