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, high pet care costs, hidden student loans, and what seems like no way out from under it all. This episode is brought to you by: Hatch | A million things don’t want you to sleep, Hatch does. Get $20 off a Hatch Restore at https://hatch.co/ramit. Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit. ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit. Links mentioned in this episode • “We have $22k in cc debt—but I want to renovate the house” (Part 1) Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • 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 • Submit a question for the newsletter iwt.com/askramit 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.

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224. “I took on debt to help my family. Now she won’t marry me.”

224. “I took on debt to help my family. Now she won’t marry me.”

Rachel (31) and Pierre (42) have been together for four years, building a loving and stable life in Brooklyn. But one issue is holding everything back: Pierre’s $60,000 in debt from a failed business ...

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223. “We make $81k/yr in our 30s. Is that enough?”

223. “We make $81k/yr in our 30s. Is that enough?”

Becca (35) and Nikki (31) are planning their wedding, but they’re already struggling with how to merge their money. Becca, a rock climbing guide with a variable income, has thrown herself into persona...

26 Elo 20251h 30min

222. “My husband is my 4th child. Will he ever help?”

222. “My husband is my 4th child. Will he ever help?”

Fernanda (44) and Jorge (48) have been married for nearly 25 years, raising three children, including one with lifelong special needs. Despite earning $130,000 a year, they consistently spend more tha...

19 Elo 20251h 35min

221. “I’m almost 40 and still living paycheck to paycheck”

221. “I’m almost 40 and still living paycheck to paycheck”

Romy (38) and Travis (37) are a married couple living in Cape Town—but despite earning over $130,000 a year, they’re constantly running on empty. Romy feels the crushing weight of managing everything ...

12 Elo 20251h 30min

220. “I carry the baby, the bills, and the stress”

220. “I carry the baby, the bills, and the stress”

Monica (36) and Michael (33) have been married just over a year and are navigating the pressures of new parenthood—but Monica feels like she’s doing it alone. She pays the rent, covers childcare, and ...

5 Elo 20251h 35min

219. “He’s so cheap it’s killing our joy”

219. “He’s so cheap it’s killing our joy”

Angela (52) and Brian (52) have been together since they were teenagers and have raised four kids. Now as they approach being empty nesters, they’re stuck in a sitcom-style standoff: Angela loves bar...

29 Heinä 20251h 21min

218. “Our childcare costs are about to quadruple. Are we screwed?” (Part 2)

218. “Our childcare costs are about to quadruple. Are we screwed?” (Part 2)

Last week, we met Dominique (33) and Chris (34)—a couple earning $180K a year, raising a toddler, and still living paycheck to paycheck. Dominique felt alone in managing their finances, while Chris st...

22 Heinä 20251h 2min

217. “Are we broke…or just bad with money? (Part 1)

217. “Are we broke…or just bad with money? (Part 1)

Dominique (33) and Chris (34) have been together for six years, engaged for two, and share a two-year-old son. While Dominique manages parenting, full-time work, and their finances, Chris shuts down w...

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