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)

129. “We spend 154% of what we make, but I refuse to get a salary job” (Part 2)

129. “We spend 154% of what we make, but I refuse to get a salary job” (Part 2)

Following up with Trin and Lucas, both 35, we chip away at an unmanageable fixed-costs percentage and broach Lucas’s unwillingness to seek salaried employment while navigating severe trust issues and ...

7 Nov 20231h 7min

128. “We have $285k in debt. Can we achieve financial freedom in 5 years?” (Part 1)

128. “We have $285k in debt. Can we achieve financial freedom in 5 years?” (Part 1)

Trin and Lucas are 35 with two kids. They’re bleeding money but they don’t know why, or how to fix it. Lucas is an extreme entrepreneur, leading to trust issues related to his shocking risk taking and...

31 Okt 20231h 4min

127. “Our financial advisor almost cost us $800k. How do we fire them?”

127. “Our financial advisor almost cost us $800k. How do we fire them?”

Jeff is 50, he’s a specialized surgeon. Susan is 48, she stays at home with their two kids. Their discretionary spending has grown over the years, ballooning at an uncontrollable rate. But their bigge...

24 Okt 20231h 24min

126. “We have $30k of CC debt. Why did we buy a $10k timeshare?” (Part 2)

126. “We have $30k of CC debt. Why did we buy a $10k timeshare?” (Part 2)

It’s time to get tactical in this energetic follow-up episode with Cristina and Ron. Building on their story, we unpack their three most glaring money mistakes—a percentage-based financial advisor, wh...

17 Okt 202348min

125. “He’s so afraid of money he can’t log into his own bank account” (Part 1)

125. “He’s so afraid of money he can’t log into his own bank account” (Part 1)

Meet Cristina and Ron. Cristina's 30, Ron is 45, and they've been married for four years. Cristina wonders why she's the one managing money in their relationship, especially when Ron is older and he s...

10 Okt 202355min

124. “We make $113,500. Why do we feel poor?”

124. “We make $113,500. Why do we feel poor?”

Bebe and Paul are 37 and 40. They have two young kids and in the last few years, they have moved about ten times for various family reasons. They’re stuck in false narratives that are sinking their fi...

3 Okt 20231h 15min

123. Ramit’s travel tips, real estate FOMO, and talking to kids about money

123. Ramit’s travel tips, real estate FOMO, and talking to kids about money

This is a special solo episode where I answer questions from members of my Money Coaching program. In today’s episode: My favorite services that I use when I travel, how to handle FOMO when you're inv...

26 Sep 202350min

122. “I shouldn’t have to ask for $20 to get McDonalds for the kids”

122. “I shouldn’t have to ask for $20 to get McDonalds for the kids”

Doni and Cacey are 30 and 40 years old with three very young kids. Doni’s struggled with credit card debt in the past, putting pressure on Cacey to control their finances—in addition to being the fami...

19 Sep 20231h 14min

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