10. “Money is overwhelming so we find instant gratification elsewhere”

10. “Money is overwhelming so we find instant gratification elsewhere”

Jacques and Jennifer are stuck in a money rut. They are trapped by their $40,000 debt. Jennifer feels overwhelmed with money talk, and Jaques doesn't want to say no to his wife. When he comes home from work, they’re both tired, so they order takeout, overspend...and repeat the cycle. This isn't a math problem. It runs way deeper into their money identity and sense of self. Jacques grew up in a poor household and was always told no, so he'll do anything not to feel that way again. As a stay-at-home mom, Jennifer feels the money is "his," so she finds control and comfort in food. Suddenly, all of these restaurant trips and takeout receipts are starting to make more sense. The relationship between food and finance is a tricky one to navigate. Then I ask about their Rich Life. Listen to how vague they are about their future financial goals. When you've got a large debt that seems insurmountable, it’s hard to look ahead. But I think there’s a way to get them to take ownership of their money. 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.

Episoder(259)

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 Sep 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 Sep 20251h 37min

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 ...

2 Sep 20251h 32min

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 Aug 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 Aug 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 Aug 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 Aug 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 Jul 20251h 21min

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