Listener Favorite: "I'm almost 40 and still living paycheck to paycheck”

Listener Favorite: "I'm almost 40 and still living paycheck to paycheck”

Today, we’re revisiting one of our favorite Money For Couples episodes of the year. Update: Romy and Travis recently shared an update on YouTube about where they are now. You can watch it here. Romy and Travis’s story struck a chord with listeners because it shows what really happens when a couple is earning good money…but operating with completely different expectations, habits, and fears around money. This episode is a perfect example of how old patterns can quietly shape a relationship—and what it takes to break them. If you missed it the first time, or want a refresher, this is one of the most revealing conversations of the year. In this episode: • Why Travis believes he can always “go fishing” to make money • How their childhoods shaped their attitudes toward money • The emotional weight Romy carries as the only planner • The story behind Romy’s secret UK savings • Their unclear approach to buying property • How disorganized thinking affects everything from taxes to tipping • The risks of having no real emergency fund • Why Travis’s role as the “reassurer” holds them back • How Ramit helps them redefine generosity • The first steps toward rebuilding trust Chapters: 00:00 — “I tapped my card and it said insufficient funds” 09:23 — “I’m living the same financial life as my parents” 18:13 — Breaking down their numbers 38:14 — The weight of taking on the “man’s” role 52:48 — “I’ve been poor before—I’ll be poor again” 1:02:08 — Living on hope, not numbers 1:12:05 — “We’re doing this together” 1:28:56 — Where are they now? Romy & Travis Connect with Ramit • Get my new book, Money For Couples • 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 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.

Episoder(258)

89. “He won’t marry me until I pay off my $15,000 credit card debt”

89. “He won’t marry me until I pay off my $15,000 credit card debt”

DJ and Adam, 37 and 33, have been dating for 3 years but DJ’s debt stands in the way of their potential marriage, as dictated by Adam, who’s been divorced in the past due to money issues. DJ recently ...

4 Apr 20231h 20min

88. “We own 7 properties. Why can't we pay for groceries?”

88. “We own 7 properties. Why can't we pay for groceries?”

Natalie and Travis are in their 40s, living in SoCal with their four kids. Travis is a career military man, imprinting him with some pretty understandable tendencies toward conservatism with money. He...

28 Mar 20231h

87. “We’re in $400,000 of debt, but we can’t say no to our kids”

87. “We’re in $400,000 of debt, but we can’t say no to our kids”

Kenna and Ryan are 36 and 45. Up until recently, Ryan worked and Kenna stayed home with their kids. Now, with that earning dynamic flipped, they’re facing new challenges with how they spend and save—e...

21 Mar 20231h 26min

86. “I make $450,000/year from YouTube. My husband is ashamed he can’t match my success”

86. “I make $450,000/year from YouTube. My husband is ashamed he can’t match my success”

Darby and Kirsty, 27 and 25, are professional YouTubers. While Kirsty’s art tutorial channel explodes in profitability, Darby’s efforts lag behind in viewership and earnings, creating a stark contrast...

14 Mar 20231h 26min

85. “I thought she was going to die, so we spent all our money. Now we’re broke”

85. “I thought she was going to die, so we spent all our money. Now we’re broke”

Asha and Matt are in their mid 30s. They bring a totally unique situation to the show today. A few years ago, Asha needed a second open-heart surgery—and an emergency appendectomy. She was told she mi...

7 Mar 20231h 30min

84. “We spend 98% of what we make—but we refuse to change our lifestyle”

84. “We spend 98% of what we make—but we refuse to change our lifestyle”

Kristine is 32 and Thomas is 35. They’re raising three children in the Midwest. They love their jobs, are happy with their incomes, and just upgraded to a third, much larger, home. Everything is good–...

28 Feb 20231h 28min

83. “I grew up on food stamps. At 24, I’m about to get paid $215,000 per year”

83. “I grew up on food stamps. At 24, I’m about to get paid $215,000 per year”

Megan and Nyles are in their twenties and on a great trajectory with their money. She graduates from law school this year—sending her income from $0 to $215,000 overnight. But they’re both haunted by ...

21 Feb 20231h 23min

82. “I’m in $20,000 of debt and she pays for everything. What’s the problem?”

82. “I’m in $20,000 of debt and she pays for everything. What’s the problem?”

Melody and David are 39 and 45. They manage a picturesque multi-unit property which creates a unique money dynamic. David works as the property manager and has his own side business, but doesn’t pay a...

14 Feb 20231h 24min

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