62. “Why are we waiting for payday if we make $140k?”

62. “Why are we waiting for payday if we make $140k?”

Amy and Andre are 42 and 34 respectively. They make $140k a year, but they admit they’re often waiting for payday. They’re buried in debt and can’t seem to make any progress, which is bringing serious anxiety and stress into their lives. Their biggest issue? Their fixed costs sit at 92% of their total income. We uncover all kinds of solutions as to how they might address this problem, but they struggle to grasp the reality of it all. What’s worse, they submitted their Conscious Spending Plan showing a -2% for guilt-free spending. They not only have no joy tied to their money, but on paper, they show it as a detractor on their lives. This is a serious problem—let’s see if we can get them on the right track. 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)

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

153. “We’re married. Why do I have to ask him for money?”

153. “We’re married. Why do I have to ask him for money?”

Allison is 36 and Dan, 37. They’re married with two kids living in a HCOL mountain town—a market variable that’s influenced them to sell her condo and supercharge their retirement investments with the...

23 Huhti 20241h 9min

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