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 by deep lingering fears, $3 questions, and hard-to-break bad habits with money. This episode is brought to you by: Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Hatch | A million things don’t want you to sleep, Hatch does. Get $20 off a Hatch Restore at https://hatch.co/ramit. Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. Superhuman | Get a free month of lightning fast email at https://try.sprh.mn/ramitsethi. Links mentioned in this episode • “We spent $80,000 more than we made last year” (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.

Jaksot(257)

232. “My husband gives me an allowance. I feel like a child.”

232. “My husband gives me an allowance. I feel like a child.”

Edward (38) and Ellen (30) live in Hawaii with their young daughter and a new baby on the way. With a net worth of over $2 million, their finances look strong on paper, but behind the scenes, their ma...

28 Loka 20251h 39min

231. “Our $200k in crypto is gone. Now we live with his mom.”

231. “Our $200k in crypto is gone. Now we live with his mom.”

Angela (31) and David (34) thought they’d built a future on $200,000 in crypto. Instead, they lost it all—and now they’re living in David’s childhood home with his mom. Angela dreams of traveling to C...

21 Loka 20251h 35min

230. “We spend 168% of what we make. What are we missing?”

230. “We spend 168% of what we make. What are we missing?”

Amy (32) and John (40) are raising two young kids in Canada, earning a solid $155,000 a year. But with $768,181 in debt and fixed costs at 168% of their income, every month feels like a losing battle....

14 Loka 20251h 43min

229.  “I’m almost 50 and have nothing to show for my life”

229.  “I’m almost 50 and have nothing to show for my life”

Christine (47) and Thad (57) have been together for more than six years, but instead of building wealth, they’re buried under nearly $340,000 of debt. Christine, the self-appointed “CFO,” is exhauste...

7 Loka 20251h 38min

228. “I’m 30, broke, and tired of budgeting”

228. “I’m 30, broke, and tired of budgeting”

Kristen (30) and Josh (36) married just last year, but their honeymoon phase is buried under $40,000 of debt and a sense of being “trapped.” Kristen is meticulous, tracking every dollar and carrying d...

30 Syys 20251h 38min

227. “We bought our dream house. Now we’re drowning”

227. “We bought our dream house. Now we’re drowning”

Jason (38) and Katie (36) thought buying their dream home in Minnesota would be the start of a new chapter. Instead, they’re buried in debt, daycare bills, and the pressure of raising a new baby while...

23 Syys 20251h 20min

226. “She’s chasing FIRE. I want to enjoy life now.”

226. “She’s chasing FIRE. I want to enjoy life now.”

Laura (34) and Cameron (38) earn over $200,000 a year and save thousands each month, yet every decision feels like a crisis. Laura, a first-generation Mexican American, grew up in financial chaos an...

16 Syys 20251h 35min

225. “We’re losing $5k/mo. Where is it all going?”

225. “We’re losing $5k/mo. Where is it all going?”

Lashan (50) and David (49) have been married for nearly two decades, raising three children and building stable government careers. But when health complications and a sudden return-to-office mandate ...

9 Syys 20251h 37min

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