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.

Episoder(258)

169. “We flew to Lisbon for Taylor Swift, but my $5 beer is the problem?”

169. “We flew to Lisbon for Taylor Swift, but my $5 beer is the problem?”

Annie’s 39 and Emery is 43. Although they have a high combined income, Annie makes 5x more than Emery. This leads to frustration over small purchases, like an extra drink at dinner—while they’re on va...

13 Aug 20241h 11min

168. “I’m going to die with student loans. Why should I count them?”

168. “I’m going to die with student loans. Why should I count them?”

Emi, 32, and Antonio, 29, have been married for six years and have struggled with debt for even longer. Credit cards, personal loans, student loans, refinancing—Emi has kept her head in the sand throu...

6 Aug 20241h 7min

167. “We took a loan to pay off our credit cards—and maxed them out again”

167. “We took a loan to pay off our credit cards—and maxed them out again”

Ashley is 29, Brandon is 30. They have been married for six years and have accumulated $261,000 in debt. Despite taking out a surrogate loan, they are still unable to have a baby. Ashley is desperate ...

30 Jul 20241h 4min

166. “I’m embarrassed—we hid $10,000 cash in our closet for 3 years”

166. “I’m embarrassed—we hid $10,000 cash in our closet for 3 years”

Christina is 37 and Noah 35. They’re married with one young son and another on the way. They earn a very high income, but their decisions are clouded by stress over money and over the future. Noah pla...

23 Jul 20241h 18min

165. “I make 10x my husband’s income. Will we ever feel like equals?”

165. “I make 10x my husband’s income. Will we ever feel like equals?”

Geena is 44 and James 39. They live in Brooklyn where she works as a corporate attorney and he’s a freelance musician—resulting in a 10x income disparity. They travel a lot, but do they invest enough ...

16 Jul 20241h 12min

164. “I stress over money—but we’re seeing Taylor Swift in France tomorrow”

164. “I stress over money—but we’re seeing Taylor Swift in France tomorrow”

Taylor is 39 and Steve is 42. They're married and live in New York City. Steve lost his job years ago, but has coasted without getting serious about his career. Taylor’s done the opposite—and now she’...

9 Jul 20241h 10min

163. “I work & watch my infant FT b/c we can’t afford childcare”

163. “I work & watch my infant FT b/c we can’t afford childcare”

James and Nicole, 42 and 44, just had a second baby—but they weren’t prepared for the additional costs associated with a growing family. They spend 90% of what they make and struggle to afford childca...

2 Jul 20241h 15min

162. “We panic over money—but spend $84K/year on travel and shopping”

162. “We panic over money—but spend $84K/year on travel and shopping”

Paul, 33, and Maddie, 29, joined us in New York City for a live-recorded episode. She is a high earner, but worries about lifestyle creep. He recently left his job, and they’re treading water on one i...

25 Jun 20241h 8min

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