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)

152. “The world is going to end. So why bother investing?”

152. “The world is going to end. So why bother investing?”

Fernando and Anushka, 30 and 31, live in San Diego and earn high incomes—matching $135,000 salaries, in fact. They have healthy investment and savings rates, send money to his family back home, and re...

16 Huhti 20241h 32min

151. “Our gas is about to get shut off, but I refuse to sell any of my 7 cars”

151. “Our gas is about to get shut off, but I refuse to sell any of my 7 cars”

Peter and Megan, 36 and 37, are married with no kids but severe financial stress threatens their future together. Peter has grown to resent Megan’s unwillingness to seek a higher income. He’s changed ...

9 Huhti 20241h 7min

150. “We’re broke, but I spend $350/mo on clothes” (Part 2)

150. “We’re broke, but I spend $350/mo on clothes” (Part 2)

In part two with Elizabeth and Jonathan, 36 and 38, we continue unpacking their complicated personal backgrounds with money as they relate to current spending, investing, and saving habits. They’re st...

2 Huhti 202456min

149. “We have no savings but bought our kid a $500 toy for Christmas” (Part 1)

149. “We have no savings but bought our kid a $500 toy for Christmas” (Part 1)

Elizabeth and Jonathan are in their mid-thirties, have been married for 13 years, and share a young daughter. They bought a starter home after getting married, but expensive renovations are still unde...

26 Maalis 202452min

148. “We have 2 kids and $0 invested, but refuse to get 9-5 jobs”

148. “We have 2 kids and $0 invested, but refuse to get 9-5 jobs”

Callie and Travis, 36 and 39, have two kids and live in southern Texas near the ocean. They’ve made a conscious decision to run their own small businesses without the pressure of climbing a corporate ...

19 Maalis 20241h 17min

147. “I don’t trust him with money, so I check his cc accounts”

147. “I don’t trust him with money, so I check his cc accounts”

Ashley and Christopher, 30 and 28, recently got engaged and look forward to planning a wedding, having kids, etc. But Christoper has lived with credit card debt his whole life. As an accountant, he fe...

12 Maalis 20241h 12min

146. “I'm jealous when I see friends' vacations on Instagram”

146. “I'm jealous when I see friends' vacations on Instagram”

Erik is 44 and Andrea is 43. They’re trying to determine what to do with a bump in income. Andrea wants to save for college tuition, because that’s what her parents did. Erik’s did not, so he’d rather...

5 Maalis 20241h 17min

145. “Am I a bad mom if we can’t do a $7k Disney trip?”

145. “Am I a bad mom if we can’t do a $7k Disney trip?”

Kristin is 32 and David is 38. They share five kids in a blended family and David is getting close to military retirement. The problem is their spending—fueled by emotions alone, they make purchase af...

27 Helmi 20241h 11min

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