Listener Favorite: "I'm almost 40 and still living paycheck to paycheck”

Listener Favorite: "I'm almost 40 and still living paycheck to paycheck”

Today, we’re revisiting one of our favorite Money For Couples episodes of the year. Update: Romy and Travis recently shared an update on YouTube about where they are now. You can watch it here. Romy and Travis’s story struck a chord with listeners because it shows what really happens when a couple is earning good money…but operating with completely different expectations, habits, and fears around money. This episode is a perfect example of how old patterns can quietly shape a relationship—and what it takes to break them. If you missed it the first time, or want a refresher, this is one of the most revealing conversations of the year. In this episode: • Why Travis believes he can always “go fishing” to make money • How their childhoods shaped their attitudes toward money • The emotional weight Romy carries as the only planner • The story behind Romy’s secret UK savings • Their unclear approach to buying property • How disorganized thinking affects everything from taxes to tipping • The risks of having no real emergency fund • Why Travis’s role as the “reassurer” holds them back • How Ramit helps them redefine generosity • The first steps toward rebuilding trust Chapters: 00:00 — “I tapped my card and it said insufficient funds” 09:23 — “I’m living the same financial life as my parents” 18:13 — Breaking down their numbers 38:14 — The weight of taking on the “man’s” role 52:48 — “I’ve been poor before—I’ll be poor again” 1:02:08 — Living on hope, not numbers 1:12:05 — “We’re doing this together” 1:28:56 — Where are they now? Romy & Travis Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here.

Jaksot(258)

161. “He hid $77k in CC debt from me—but can’t tell me what he bought”

161. “He hid $77k in CC debt from me—but can’t tell me what he bought”

Jim and Dana are 58, five years into their second marriages, and coping with changes in their new lifestyle in different ways. Jim is set on providing as he follows patterns from his past, hiding tens...

18 Kesä 20241h 15min

160. “My entire paycheck goes to daycare. Should I stay home?”

160. “My entire paycheck goes to daycare. Should I stay home?”

Live in NYC, Carlos and Amanda, 36 and 28, join the show to talk through a recurring issue in their relationship—her earning ability vs. the possibility of staying home with their kids. They recently ...

11 Kesä 20241h 12min

159. “How can we raise 3 kids if she only makes $15k?”

159. “How can we raise 3 kids if she only makes $15k?”

Caleb and Alex are both 27. They have one young child and foster two sisters, both of whom they intend to adopt soon. As children themselves, Caleb and Alex were immersed in missionary work in South A...

4 Kesä 20241h 19min

158. “We have $2M, why can’t we retire?” (Part 2)

158. “We have $2M, why can’t we retire?” (Part 2)

Rob and Adrienne are nearing retirement but worried about having enough. In Part 2, we dig into their Conscious Spending Plan to reveal a massively successful investment strategy that remains shrouded...

28 Touko 20241h 8min

157. “We spent $80,000 more than we made last year” (Part 1)

157. “We spent $80,000 more than we made last year” (Part 1)

Adrienne and Rob are 59 and 62, and they are overcome with worry over whether or not they’ve amassed enough wealth to live comfortably, and apply Rich Life principles, in their retirement years. Adrie...

21 Touko 20241h 22min

156. "We have 2 kids, 3 cars...but only 1 month of savings" (Part 2)

156. "We have 2 kids, 3 cars...but only 1 month of savings" (Part 2)

In the second half of this live-recorded conversation with Paul and Morgan, 37 and 33, we dig deeper into their Conscious Spending Plan to uncover three cars (for two adults), sporadic debt management...

14 Touko 202458min

155. “We have $22k in cc debt—but I want to renovate the house” (Part 1)

155. “We have $22k in cc debt—but I want to renovate the house” (Part 1)

Paul and Morgan, 37 and 33, find themselves in a painful loop of arguments and unchecked spending, putting the future of their young family at risk. We hear about destination concerts, ongoing renovat...

7 Touko 202453min

154. “We’re drowning in debt, but I drive a BMW”

154. “We’re drowning in debt, but I drive a BMW”

Kevin and Michelle, 32 and 30, joined me live in New York City earlier this year for our very first in-person interview. They have one young child and another on the way, but they can’t stop spending....

30 Huhti 20241h 15min

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