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)

137. “MLMs, crypto, real estate—I can’t stop falling for get-rich-quick schemes” (Part 2)

137. “MLMs, crypto, real estate—I can’t stop falling for get-rich-quick schemes” (Part 2)

David, 33, and Halima, 37, return to follow-up on last week’s episode, where we learned about their debt, painful backgrounds, unrealistic expectations, and patterns of negative behavior with money. T...

2 Jan 202450min

136. “We have $500k in debt. Can I retire early?” (Part 1)

136. “We have $500k in debt. Can I retire early?” (Part 1)

David's 33 and Halima's 37. They’re been married for one year, a second union for both. The deep emotional (and financial) scars from those past relationships tint how they see the world today, limiti...

26 Des 20231h 6min

135. "It could cost us $50k to have a baby. Can we afford it?"

135. "It could cost us $50k to have a baby. Can we afford it?"

Kait is 36 and Em is 35. They’re married and pursuing IVF as a means to expand their family. But a misalignment on money stands in the way of a truly shared vision for their future. Em shuts down and ...

19 Des 20231h 15min

134. “I make $24K a year but my truck costs $1,600+ a month” (Part 2)

134. “I make $24K a year but my truck costs $1,600+ a month” (Part 2)

Part 2 with Becki and Dustin drops us right back into a contentious conversation about Dustin’s 6-wheeled truck, but his and Becki’s misalignment runs a lot deeper than that. Once their numbers are re...

12 Des 202359min

133. "She has $7k in cc debt—just 3 months after I paid it off for her" (Part 1)

133. "She has $7k in cc debt—just 3 months after I paid it off for her" (Part 1)

Becki is 42, Dustin is 36. Becki moved to North Caroline from California two years ago, into Dustin’s house but is feeling disconnected from her family, like the space is still his, not shared. Her tr...

5 Des 202356min

132. “We’re $520k in debt—and he hid it from me”

132. “We’re $520k in debt—and he hid it from me”

Cassandra, 40, and Aldo, 41, discovered Ramit on Netflix—which quickly led to Cassandra discovering the gruesome details of their debt. His goal was to shield her from stress. What he’s done instead i...

28 Nov 20231h 13min

131. “We’re worth $5.5M but I feel like it doesn’t belong to me”

131. “We’re worth $5.5M but I feel like it doesn’t belong to me”

Matt is 40 and Ruane is 38. They have two kids and live in Toronto. They’ve done incredibly well for themselves, with an eye-popping net worth of $5,500,000—but lingering anxiety about money and the o...

21 Nov 20231h 12min

130. “I don’t trust him with spending. Do we have a future?”

130. “I don’t trust him with spending. Do we have a future?”

Alisa is 38 and Jesse is 42; they live in Portland with no kids and have been married for 10 years. Alisa has a growing sense of urgency related to their future–their lack of savings, modest investmen...

14 Nov 20231h 17min

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