59. “98% of our net worth is in real estate. Are we in trouble?”

59. “98% of our net worth is in real estate. Are we in trouble?”

Georgia and James bring a different problem to the table than we’re used to hearing about. In this one, we zoom in on where, exactly, their net worth has come from… and the real risks of these decisions. Having done well in the real estate market, Georgia and James just closed on a fourth property. The glaring issue is that they’re all located in the same neighborhood, amping up the risk of this investment class quite considerably. Georgia is becoming increasingly anxious in the shadow of this risk, urging a diversification from their overloaded 98% commitment to housing. James is not unwilling to hear the argument, which makes this episode more direct and tactical—I love it. There’s a lot to learn here. The biggest question we can ask in this case: Why are they even doing this? What is the end goal? Their answer paints a clear picture of what they need to do. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin 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. Produced by Crate Media.

Jaksot(257)

200. “Should we pay off our massive debt? Or invest more?”

200. “Should we pay off our massive debt? Or invest more?”

Wilson (46) and Shannon (35) have built a strong financial foundation—owning a vacation rental, maxing out Roth IRAs, and earning solid incomes. But when it comes to their next move, they’re at odds. ...

18 Maalis 20251h 33min

199. “I struggle w/ cc debt but insisted on a Cartier wedding ring”

199. “I struggle w/ cc debt but insisted on a Cartier wedding ring”

On today’s episode, we’re live from Boston for my recent Money For Couples book tour. First, I talk with Robert (28) and Giselle (28) who appear to have it all together, but behind the scenes, they’re...

11 Maalis 20251h 13min

198. “I work 7 jobs but can’t get ahead. Are we doomed?”

198. “I work 7 jobs but can’t get ahead. Are we doomed?”

Juan (43) and Amber (40) feel behind on their retirement plans after years of prioritizing travel and expensive hobbies over investing. Juan, who grew up poor, struggles with a scarcity mindset—underc...

4 Maalis 20251h 36min

197. “I thought he was the problem… but it’s me?!”

197. “I thought he was the problem… but it’s me?!”

Live from the House of Blues in Chicago, Ramit coaches Evelyn and Mike (41). Despite their successful careers, money is a constant source of tension. Evelyn scrutinizes every purchase, while Mike feel...

25 Helmi 20251h 28min

196. “He used to help me with debt…Now he’s making it worse”

196. “He used to help me with debt…Now he’s making it worse”

Frank (29) and Jill (33) are parents of two young kids and are trapped in a vicious cycle of overspending and debt. With fixed costs eating up 107% of their income and $25,000 in credit card debt, th...

18 Helmi 20251h 37min

195. “Her socks have holes but she's too cheap to buy new ones”

195. “Her socks have holes but she's too cheap to buy new ones”

Matt (34) and Eliza (32) have spent years prioritizing investments, setting themselves up for a secure retirement—but now, they struggle to enjoy spending money. Matt deprives himself when they go out...

11 Helmi 20251h 24min

194. “$0 savings, $0 investments. Is it too late for us?” (Part 2)

194. “$0 savings, $0 investments. Is it too late for us?” (Part 2)

On last week’s episode, we met 38-year-old LaKiesha and 45-year-old James, a couple struggling to get on the same page financially. With no savings, no investments, and deep-rooted money fears, they’r...

4 Helmi 20251h 14min

193. “I’ve filed for bankruptcy twice. Will I ever stop spending?” (Part 1)

193. “I’ve filed for bankruptcy twice. Will I ever stop spending?” (Part 1)

Despite their best intentions, LaKiesha (38) and James (45) have fallen into a cycle of overspending—convincing themselves that wants are needs and that enjoying money now outweighs planning for the f...

28 Tammi 20251h 14min

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