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)

49. “Our housing expense unexpectedly went up $2K when we bought our first home” (Part 1)

49. “Our housing expense unexpectedly went up $2K when we bought our first home” (Part 1)

Elena and Eric are both 25. They live in Toronto, and they make $160k as a household. They love going to EDM festivals and spend thousands of dollars every year traveling to them—it’s their Rich Life!...

28 Jun 20221h 8min

48. “My husband needs a better job, but he hates the idea of earning more”

48. “My husband needs a better job, but he hates the idea of earning more”

Kara and Sean make $150k annually, with $100k of that coming from Kara’s salary in healthcare. They have a baby daughter, and Kara would like to take a step back in her career in order to spend more t...

21 Jun 20221h 13min

47. “We make $500k. Why are we carrying a balance on our credit cards?”

47. “We make $500k. Why are we carrying a balance on our credit cards?”

Ashley and Charles are in their early forties and have been married for six years. Together, they have five children from previous relationships. They live in a high-cost-of-living area—but, collectiv...

14 Jun 20221h 27min

46. “The ghost of FIRE still haunts our money mindset—we can’t enjoy money”

46. “The ghost of FIRE still haunts our money mindset—we can’t enjoy money”

Carolyn and Gavin have been married for ten years. They have three small children and bring in about $130k annually—with a healthy $500k in investments. So what’s the problem? Once we look closer, spe...

7 Jun 202254min

45. “She tells me that it’s my fault we can’t live the life we want to live”

45. “She tells me that it’s my fault we can’t live the life we want to live”

Sarah earns more than Andrew. They’re unmarried but imagine a future together, or would like to. The problem is that Andrew’s existing money scripts (and $65k in debt) have him frozen—unable to spend ...

31 Mai 20221h 11min

44. “Trust in the universe and it (or my partner) will provide”

44. “Trust in the universe and it (or my partner) will provide”

Today’s couple is actually on the same page when it comes to their Rich Life, but they’re not making much progress toward it. Alex brings in $70k from a full time job. Charlotte runs their joint busin...

24 Mai 20221h 2min

43. “Our $300k income is variable and declining but we aren’t adjusting our lifestyle”

43. “Our $300k income is variable and declining but we aren’t adjusting our lifestyle”

How do you manage your finances when your monthly pay is inconsistent? Vince makes around $300k a year in the mortgage industry, while Kasey focuses on raising their kids at home. Despite that rather ...

17 Mai 20221h 10min

42. “We’re worth $5.7 million but we’re arguing over the price of chocolates for Valentine’s day”

42. “We’re worth $5.7 million but we’re arguing over the price of chocolates for Valentine’s day”

Making a lot of money is surprisingly easy. But if you’ve lived with too little of it most of your life, getting over the fear of spending it can be another story completely. Nicole and Michael have a...

10 Mai 20221h 15min

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