“I grew up on food stamps. At 24, I’m about to get paid $215,000 per year”

[@ramitsethi]

0:00 Please remember: These are real people who had the courage to come on my podcast and ask for help. Would you be willing to come on this podcast and share every detail of your financial life? Feel free to leave comments based on what you think, but remember that we are here to help in a supportive way, not to demean and criticize.

[@carnini]

great reminder again, these are real people and all of us have different backgrounds

[@alpinismutilitar3886]

Love your video.

[@georgewilson7706]

You literally profit from exposing peoples' dirty financial laundry. Save your holier than thou attitude.

[@Poleeze1]

@@georgewilson7706 you can’t be this mean in real life are you?

[@tinalindahl8768]

I can’t believe anyone would find fault with Megan, this young woman has somehow changed her life trajectory. It is so hard to escape generational poverty. I think she is amazing!!

[@ppbcup]

He did not enable her or educate her on how to manage money. He basically made her insecure and feel indebted to him, like he was saving her. Hopefully the dynamic can change however it doesn’t seem healthy even if the intention was to help.

[@micah1754]

Right?? I found this so bizarre and quite an unhealthy power dynamic.

[@beeliverag]

Well...he kinda was saving her. Yes he should have told her he was saving the $, but he has his own money trauma. They are going to have to be very transparent and, give each other lots if grace...and once they are married...it needs to be THEIR money.

[@cjennings_phd]

Shout out to all the single moms out there. Megan's mom did the best she could and raised a smart, hardworking, independent woman. Megan is breaking the cycle of generational poverty.

[@ramitsethi]

YES!

[@EnhancedPlayz]

Hi, I just uploaded a new KZbin video, called Mastering Personal Finance that will help you taken control of your financial future by giving you a Financial Plan: kzbin.info/www/bejne/jZ69aYSqd9urbLM Let me know what you think!

[@natashadickson4819]

​@DJ Blame the absent fathers for that. When men don't support their children the outcomes are sometimes bad but the mothers do a decent job.

[@scholaroftheworldalternatehist]

Also all dads out there who work a lot but are underappreciated

[@bobbyheath2474]

​@@natashadickson4819Both of my parents were at home and we were extremely poor. My dad never worked and my mom never had a consistent job. Dad's don't always save the day.

[@ST-rj8iu]

Megan needs to take control of her finances. She graduated from law school. It is time to drop the past and move into your future.

[@123meyca]

Period

[@carolgarner3567]

I don't understand. Nyles has a large amount saved in investments. He refers to it as "his," but quickly changes to "ours". Isn't that basically Megan's money that he has squirrel away? Will Megan have access to this account when they are married, or will Nyles continue to claim it as solely his?

[@Yentirb68]

As a woman, this episode disturbed me 😢

[@chaaaaaaaaaaaad]

I am a man and I feel the anxiety too. His face is that of a predator. He doesn't love her. I hope I am wrong.

[@АлексейБровка]

Maybe he is just stressed about this conversation ​@@chaaaaaaaaaaaad

[@superxicanatravel]

I hope I’m wrong but Megan could be the victim of financial violence. I feel like Remit might have missed some red flags here. Megan kept saying things like “I need to learn to advocate for myself” “I have to ask him for my money” “I want to be able to spend my money how I want” Why does she feel like she needs to advocate herself with her partner when it comes to her own money? She also doesn’t seem to feel she can trust him to stop controlling her money once she starts earning more.Maybe this is why she didn’t feel comfortable with him knowing how much more she will be making in a couple of years. I hope Megan sets healthy boundaries with her partner and is able to take control of her own money before it’s too late.

[@angeleyes3386]

It sounds like he’s doing right by the money and open to her playing a bigger part in their financial planning. She has to overcome her ideology about her past and trust herself more. I can’t say she’s a victim if she doesn’t make herself feel like a victim. She’s badass! She just needs to start believing it. P.S. She needs a buffer for that momma in the beginning at least until she gets her voice.

[@chriso6042]

Because technically she had no money. She had no income and what she got she paid him for "rent"

[@chaselesser3191]

Yeah she doesn’t actually have any income at the time of the posting. And it sounds like he saved the money. And not actually spent it. But the odd thing is that he would take all of it and not just a portion of it.

[@guidedbybreath2702]

He’s got sociopathic energy.

[@guidedbybreath2702]

Nyles lost me at, “I didn’t really trust her with her money.” Um, sir. And Megan- run.

[@StealthWealth2045]

This was a fantastic episode! I relate to Megan so much and I totally understand the dynamic of being in a family where asking for money is a norm. I am not sure if Megan and Nyles will ever read this, but once I started earning more money and realized most of it was going to helping my family (very unsustainable). I created a "Cushion" account. Every paycheck I put a certain amount in there. If someone in my family asked for money and it was in the cushion account, it was theirs. If I didn't have anything in there, I said no. It was an easy way for me to make a decision without guilt being the number one factor. Not to say that guilt never plays a part, but it has helped me immensely

[@FionaMacDonald]

Oh I love the cushion account idea!

[@ShoesShipsSealingWax]

I agree. My spouse & I had to set up a similar account a few years ago to help manage requests from a particular family member & it has really helped us dial in on how much we are willing to contribute & where our boundary lies.

[@aliken51]

Great episode as always. As a corporate lawyer, the one thing I think could’ve been taken into account is that she probably won’t be making those 350k, 400k etc. corporate lawyer salaries. In these big firms, only a very slim minority make partner. Most don’t make it past three years. And it doesn’t have anything to do with your intellectual abilities. The pressure and workload are brutal. The alternative is to go in-house which comes with a pretty significant pay cut. She’ll still be making very good money but if I were her I would beware of fully assuming I’ll be making 3-4-500k in the future.

[@Dan16673]

Lawyers are the most miserable out of all workers in the usa. Wouldnt ever do the job, for any of the money. Ill stick with engineering

[@lowlowseesee]

@@Dan16673 that take and what aliken51 said are prime reasons I feel its great that they are already investing and already have a good amount invested. she could retire in 20 years with a million by putting 23 thou a year. thats a base calculation so in short she has the options to still retire very well off with multiple millions and does not have to do that job if she hates it.

[@niknak950]

@@Dan16673I heard Dentists have one of the highest rates of suicide, I know I wouldn’t do that work for any amount of money either 😂

[@hannahwest9581]

I admire Megan and her journey and the profound ability that she has to work extremely hard and achieve insane goals. Her ability to articulate and organize how she is feeling in such an honest and thorough way despite how the vulnerability is uncomfortable is so refreshing. She’s extremely perceptive. She seems so empowered by this conversation. I Loved this!

[@THEWIELDBOYS8700]

Is it me, or does this girl look like the famous painting, Girl with Pearl Earrings!!!!

[@BCurlyfries]

This girl is giving me anxiety. Never give your husband all the money without a contract in place

[@chaselesser3191]

She doesn’t even actually have an income. Plus when you are married financially secure people have some type of joint account. You can be successful with out it. But you have to have high enough incomes to counter the disadvantages.

[@claudiathomas3560]

Megan is such a BADASS!!!! I listened to her childhood thinking of my own. Girrrl, you are doing the damn thing! I know to you it doesn’t seem like anything big, but I’ve learned you MUST celebrate the accomplishments having come from virtually nothing and no support other than your will and determination. I see myself in both of them because I find it hard to spend money on anything other than what I need to live bc I’m always waiting for something to happen or the little savings I have to be needed. You two have done awesome and I wish them the BEST and that they relax and enjoy the fruits of their hard work to over come! 🙏🏽❤️

[@mamalovesthebeach437]

Women!!! NEVER, EVER put your money in the hands of ANYONE even your husband!! I can tell you this as a 68 year-old woman who did not take control of my own money in that I contributed to HIS 401K, HIS investments and none of my own. We divorced when I was 50. You CAN end up with little to nothing even after 21 years. You MUST have your own separate money set aside...MUST! Please learn from others mistakes.

[@popyNcorny]

I was so confused as to why she’s giving him all her money??

[@peach_tea6198]

So, you have to always anticipate getting a divorce? Why get married if that is how you have to live your life? I mean I understand marriage is not what it was 200 years ago but the idea behind it is you are partnering with the other person, ideally for rest of life, to build a life together. If you are always thinking and acting like it's going to end in a few years then the whole purpose of it mute. I'm not advocating for a woman not to have her own stuff etc but to behave like thos is mine and that's yours and we are just people who live together and even that will probably end seems a little depressing. I dont know,aybe she trust him. What a thought. I don't think people should project their lives onto others. We don't know what their relationship consist of. We don't know why she feels she can trust him. One thing is for sure, money changes people, usually not for the better. Don't get me wrong, having money is great. It is really really great. But, it's can easily put a wedge in a relationship. Main issue is there becomes a power struggle that never existed before. The money becomes the purpose instead the relationship, marriage, having priority. Also, when I say priority it should be conscientious effort from both parties. I've seen a ton of relationships just fall apart due to money. Wife gets money and now she has this thought she doesn't need husband when it should never been about need anyway. Husband gets money and he's like gosh I'm free etc. Why wasn't he free before? What makes him free in first place? It's all messed up. Now, you have people telling the couple how to create more obstacles to a happy marriage, deepening the wedge. How is it helping to basically tell someone not to trust the spouse? I mean if the spouse hasn't done anything that deserves distrust there shouldn't be any reason to even think negative about it. On the contrary, marriage should be about developing deeper trust and bonds. I mean, your vows literally said " til death do us part". Also, I think a lot of people's marriages fail due to bad advice. They have these so called friends telling them they can do better etc, dont need them, why married to them, etc. I hope the couple figure out the best way to see and appreciate one another. I hope they see money as a tool, a really great tool, but a tool. It shouldn't define their relationship? Also, like mentioned I don't know the details of their relationship etc so can't say what other things might be issues. Maybe I did not hear everything but don't think either of them.mentioned cheating, mental and physical abuse, or any othe things that would say, get out of the marriage. Sorry for the spill but have a friend, female friend, facing divorce due to nothing but money. It really makes no sense when you think when they friend first was married and they didn't have the money they ha e now, they were seriously agreed couple. They seemed to really care about each other and worked together to build something. It's really sad.they have been together for 14 years, 3 kids, etc. It's now on the verge. I think they may make it but still.

[@RealityCheck1993]

​@@peach_tea6198 There's a lot going on in this comment, but I think the crux of the issue is that you're responding to a lot that wasn't said.

[@cornellcornell1]

@@peach_tea6198 you don’t hope to get in a car accident yet you have insurance. You don’t hope to have destruction to your property yet you have home owners insurance. You dont hope to die young but you have life insurance. Arranging your finances to protect yourself in the event of a horrible circumstance such as divorce is the responsibility of anyone with a brain, especially when children are involved.

[@emilyzahand8609]

Agreed but she does not trust herself. When you watch the whole video it makes sense. She has grown up trusting no one from her family with money and taking that identity on for how she views herself.

[@ArisAllRight]

I loved seeing a younger couple on the show! I’m too in my mid 20s and making 200k+ a year. It’s a lot to burden as I watch my family struggle with finances. I’d love to see more about how to navigate money conversations with family if/when they borrow or ask for money.

[@ramitsethi]

Congratulations! Come on into iwt.com/moneycoaching. We have lots of other people in your situation and I can give you specific ways to handle these conversations

[@EnhancedPlayz]

Hi, I just uploaded a new KZbin video, called Mastering Personal Finance that will help you taken control of your financial future by giving you a Financial Plan: kzbin.info/www/bejne/jZ69aYSqd9urbLM Let me know what you think!

[@scholaroftheworldalternatehist]

I would help out immediate family members, at least parents if they really need it. Stay away from others.

[@sp6450]

So umm.... You got a boyfriend?

[@sp123]

what do you do for a living?

[@0reo2]

This was a refreshing return to your beginnings to teach people the basics of financial skills. It's much more relatable than interviews with people who just need to be motivated to spend their accumulated riches.

[@jr5557]

Yeah those are a little hard to watch but they do keep balance on my mind

[@excitedaboutlearning1639]

An amazing episode. It was so great to hear two self-aware people open up about their upbringing and ready to cooperate to find a solution to their situation.

[@geotj3044]

Hoping Megan will own her power and deal with the family shame and trauma. Her story is inspiring. ❤

[@MarkSimithraaratchy]

These videos keep getting better in quality. I love the closeups on reactions and the asides from Ramit. Also, the people participating have interesting and varied backgrounds; takes a lot of courage to come on and spill it. Nice job to everyone involved.

[@ramitsethi]

Thank you. That means a lot, Mark.

[@sarahu.38]

I would LOVE to see a FULL episode follow-up with this couple now that they're married and Megan has started her career.

[@susan5661]

I would have liked to have hear Nyles share more of his story

[@brynanderson375]

same! I wish Ramit had praised Nyles more also instead of only praising Megan, he also broke the cycle and is successful

[@MissP-gy8on]

@@brynanderson375 I scrolled looking for this comment. I felt like he was left out, and he was getting uncomfortable. He's such a nice guy, it's evident in his eyes, but did not get his fair share of accolades. Good episode though. Megan is young so she lacks the knowledge of including the husband.

[@guidedbybreath2702]

A nice guy? No.

[@ThingsILike12]

This dynamic is super toxic. She has no security here. He was supposed to help her with money management, instead she feels like she owes him for essentially nothing.

[@therealbuba]

Paying for everything for years… yea nothing 😂

[@Mac-pluto]

Yeah, they forget he was subsidizing her life for the last 5+ years when she hasn’t made more than 30K in that timeframe

[@ThingsILike12]

@@Mac-pluto Doesn’t give him or anyone else the right to control her income. Paying for things for five years isn’t permission or entitlement to now control her income. Immature minds are destroying social ties and relationships right along with them.

[@Mac-pluto]

@@ThingsILike12 she was giving him 600 a month for “rent” for 2 years that he was saving and outside of the other 15K, he paid for everything else. What makes you think he is asking to control her 215K salary when she starts her new job?

[@ThingsILike12]

@@Mac-pluto That’s pretty much what they’ve said. She does not have control of her own income or finances. He decides everything and she sounds like she doesn’t trust herself with her own money. You don’t learn financial savvy allowing someone else to control your finances. You learn it by being hands on, using your own agency, and making mistakes that were based on decisions that you made for yourself.

[@Mech537]

Girl don't give no damn money to a man to save. You better wise up. Put that money in your own name

[@lowlowseesee]

yea as much as i ended up liking him and thnkin he might not become or is abusive, you are absolutely correct. its a dangerous thing to do. ive seen women who do this and they are still in financial and emotional recovery

[@jaioxung]

Two common and horrible aspects of a relationship between young people is making assumptions about how your partner feels and having the expectation that they should read your mind. Speak up and ask questions. If you don't your relationship is doomed.

[@USMCAllTheWay]

Megan, there is a book called Boundaries. The book helped me set healthy boundaries with family members who were not responsible with money. It freed me from the guilt trips they would try to take me on....

[@bomchikawawa8989]

My guy has won the lottery... She's gorgeous, smart, seems loving and is about to make bank!

[@debbielockhart7762]

He's very good looking. It seems he has done well by her so far. Hopefully they will be okay.

[@NaeOnYT]

Full ride through law school, which is notoriously expensive, is AMAZING. I agree with others that she shouldn't bank on making 300k+ per year in perpetuity; as others have pointed out, those jobs end up burning you out quickly, and some people end up getting so overwhelmed they can't keep up and they'll face disciplinary action or job loss. But she is definitely in an amazing place financially, even if she chooses to work for a small firm or start her own practice making less. He is also doing great. I hope they can go forward in their relationship with honesty and support; if they can, they're in a good place for their marriage! It is important, of course, that they both set boundaries with their family. It's very nice that she wants to pay off her mom's mortgage, for instance, but she needs to be firm about what she will and won't give. Becoming the family bank is a nightmare.

[@mmp495]

💯

[@phoenixnmhesq]

I really love the way she phrases her mother’s expenses. She is very kind and thoughtful. I also really like the way she answered the question of will she be the most successful.

[@MoNATUREnique]

I suggest that you both go to therapy individually and premarital counseling if not doing so already. It will benefit you both tremendously. I know this because I got married at 22 and my husband and I grew up with low income and over the past 10 years have been working hard to overcome and create healthier money mindset. My mindset is to spend too much (but also frugal) and my husband holding money too tightly. I hope that you both gain the confidence in each other and yourselves. Don’t be too tight, but make a plan that can give you the freedom to never have to work again. Thanks for sharing your story so inspiring.

[@jmtoomer21]

I feel like the first 15 min of this it sounds like financial abuse. I hope it clears up thru the video. …him making it that he needs to hold her money, gaslighting that she’s "unresponsible with money, your mom and sisters are so you will be too" - and she has been in someway. But if she’s smart enough to become a lawyer, isn’t she smart enough for him to meet her in the middle and let her make some decisions so she feels empowered?? Asking to hold her money, then spending his extra on fun stuff but not allowing her to spend on fun stuff seems controlling. I’m surprised that wasn’t discussed.

[@JuliaCloonan]

I watched the whole episode and I still feel really uncomfortable with Nyles behavior and choices in all this. Why did he, at the beginning or their relationship, help Megan learn more by taking that $600 rent money and putting into a JOINT account and having a monthly meeting discussing joint expenses etc?? It still feels very controlling and disrespectful to her. He’s treating her like a dumb child that’s beneath him and incapable of learning. And even if her attitude is “here babe, take all my money cause I don’t trust myself with it” he has a responsibility as a non-creep to do better. Teaching her and helping her rather than save it all away from her reach. Gross dynamic here. She feels powerless when it comes to money because either he wants it that way or at least he’s ok with it being that way. I would have liked to see a lot more questioning of Nyles here.

[@52536626]

They’re awfully young. I hope they hold off on getting married until they have a clear handle on the dynamic change of her earning more money than him and the power shift that is likely to bring about. That can break a relationship. Also young associate hours are brutal and hard on any relationship

[@isabelreyes6387]

Imagine being a typical dumb 20 yo in university and making a common mistake (that many ppl make btw) and your future spouse holding it over your head for the rest of eternity. No thanks!

[@alexpetrakieva]

Sounds like she resents her fiancé for holding her money. Yet, she gives it to him. It’s so 🤯. Hopefully, they take action to resolve this because I see this relationship turning extremely toxic in the future if they don’t.

[@tmf_almighty8445]

Yea i was sooo confused

[@NaeOnYT]

Didn't they say he lied about it, though, up until this past week...? He said it was to go towards rent, but he was actually putting it in savings? Unless I'm misunderstanding, the lying is the issue.

[@cokedclassic7627]

They are young and they grew up incredibly poor. I suspect he saw it as helping. They are on here to change. To learn. Give them a break.

[@thezu9250]

She’s giving the money because she feels obligated to give them money.

[@Walkinfaaaast]

I can't be the only one who at the beginning of the episode thought maybe Nyles was a control freak when it was said Megan just hands over her paycheck and she has to ask for the money. I'm glad that it looks like I was proven wrong . Hoping for the best for these two!

[@klt9874]

Thought the same thing at first.

[@carolgarner3567]

AMEN!!!! He's an opportunist.

[@julieann2315]

It wasn't explored, I think he has money issues. Get the feeling that when the money comes in hell have more trouble lightening up than her. He said he saved the rent money for them, but when ramit went through the tally, she was at 0, and he had 165k in investments.

[@cresentborchardt5467]

I couldo relate to Megan in that just about all of my paycheck went to my husband (at the time), minus things I absolutely had to pay for such as my credit card or before/after school care for my daughter. THEN, I felt guilty to even ask for ANYTHING....even though I strongly contributed to the household expenses. I went without so many times....in the end, he got just about everything as I could not afford an attorney. Now, I am on my own. Own my own house, other good things going on.

[@SashaBlake]

Ramit you’re so empathetic! Extremely emotionally intelligent. I love the way you communicate, can’t wait for the next season of how to get rich in Netflix 💃🏽

[@roopali3369]

After all it’s genes.. indian( born in India or America n parents influence ( emotionally spiritually aware) makes us empathetic .. Indians are smart people

[@chaaaaaaaaaaaad]

​@@roopali3369behen kyu har jagah besti karane Aaj te ho. Isse race ka kya Lena Dena

[@rileygiordano2380]

Seems like they're 2 sides of the same coin - scarcity complex. He tries to save every penny, she was afraid she'd throw all her money away (and did at 18). It's good to see them working through it at a relatively young age, but they'll realize soon enough how much money they're actually bringing in every month. They should probably take another look at that food budget, too, because most people I know that work those hours don't cook.

[@FionaMacDonald]

Wow Megan is awesome! So true about our money history not ever leaving us. Her shame around money was making her squirm when she has overcome so much already 😢 Glad they reached out to you for help and I’m sure they will have a great life together 🎉

[@Lena-cl6ye]

Great episode. Megan is a boss for getting herself into law school and graduating! The parent-child dynamic was a little disturbing, hope she takes her power back. Go get your nails done girl and buy that West Elm! Her fiancé has a pretty amazing net worth for someone so young. Gotta give him credit for that. All in all an amazing couple.

[@rzm17]

Megan is really fantastic. So happy for her. She really changed the trajectory of her life. It's so inspiring.

[@jasonhuang8942]

I've said this before and I'm gonna say it again, this is a GOAT podcast.

[@Aris-Darling]

Wow I admire her so much. Love her down to earth personality too. Definitely hold off on the wedding until they figure out the new dynamic.. Myles didn’t look so thrilled when she excitedly and nervously admitted to earning $18k/month. I would expect him to be more visibly proud of his fiancé for her accomplishments and contribution to the household going forward.

[@hey_atw4711]

I caught that too. It seems like he’s a bit annoyed

[@frenchpressfinance]

This was such a great episode. It started out a little scary/cringe but the awakening and progress was a joy to hear in the podcast. I might have to go through it again in the video, just to see the facial expressions and body language.

[@JennyynesWu]

Incredible young woman! She should be proud of herself and her accomplishments; I wish them all the best in their future together ; so good of them to get communicating about finances in a healthier fashion from such a young age.

[@EnhancedPlayz]

Hi, I just uploaded a new KZbin video, called Mastering Personal Finance that will help you taken control of your financial future by giving you a Financial Plan: kzbin.info/www/bejne/jZ69aYSqd9urbLM Let me know what you think!

[@genezyz7]

Getting married after SHE'S done with school - "ok" - and working making over $200k - 🤔. He has over $100k in HIS investments, SHE gives him HER money and He saves it for their wedding? Am I the only one seeing something wrong with this? One thing she said "I need to learn to advocate for myself" I agree!!! Girl, you are so smart! Take ownership of YOUR money. Invest in YOUR future.

[@weho_brian]

relationship seems really uneven

[@tarotteawitht]

“Stop describing yourself with bad at something” ✨🌿🪄 so much empowerment to this perspective. We must continuously cultivate our agency to overcome that guilt. Bravoooo Megan 🌻🌻🌻

[@Lucky___13]

You have a great touch Ramit, thx for sharing your gift. I so very hope she follows up on your offer on how to deal with the inevitable asks from her mom and family. Having the emotional strength to develop her own habits will be hard enough, much less the guilt coming from the family. The strain on the relationship would be awful seeing random welfare payments going out constantly. It would be a nice episode to see how you advise supporting family while still teaching them to fish and not perpetuating bad cycles.

[@gracegardone350]

This hints at a widespread trend in money. (Assuming hetero partnership) When the man makes extra money it goes back to him and individual needs (in this case the “fun” stuff), and usually when a woman makes extra money it goes back into the family/household (ex - new couch which the whole partnership would benefit from)

[@ramitsethi]

Not sure I agree. In fact, we have podcast guests that demonstrate the exact opposite of what you hypothesized. However, I will agree that there are definitely differences across cultures, genders, incomes, and other groups.

[@EnhancedPlayz]

Hi, I just uploaded a new KZbin video, called Mastering Personal Finance that will help you taken control of your financial future by giving you a Financial Plan: kzbin.info/www/bejne/jZ69aYSqd9urbLM Let me know what you think!

[@Mac-pluto]

You’re taking it from the perspective of 2 being equals financially. Most of the time the man is the bread winner in Herero relationships so by default more of what he makes goes towards the family. If either person is making more and contributing more in that sense, I believe that said person should be able to spend their money on “fun” stuff whenever the budget allows

[@Asdfjazz14]

Another great episode! Love that you brought on a younger couple with difficult financial circumstances from their childhoods. I agree with Ramit’s stance on real estate if it makes sense for their situation especially since I live in Southern California. I don’t know where this couple live, but I’d like to hear more from Ramit on how to consciously plan for buying a home in areas that make more financial sense? Enough shooting down every couple that wants to buy a home. I understand it’s important to fix the hidden scripts about “throwing away money on rent” but I just want to see Ramit talk to people on how to make it worth it to them if they are financially able to. I want to see open dialogue and guidance if it makes sense for them especially since they’re going to be making more money in the future and maybe want to buy a home in Maine.

[@acilirp]

I feel so sorry for her. I hope she learns how to be independent and a strong woman. Decisive and in charge of her needs and wants. I don't like that she seems afraid and submissive to her boyfriend. That's a big red flag.

[@LinzyLinz7]

I have been in the situation Megan was in with her mother, that reverse parent and child for financial decisions. It started at 19 years old for me and it was really hard. And its really hard to break free from it. At age 29 I finally set healthy boundaries and was able to get out of that relational dynamic.

[@mmp495]

I loved this segment. Megan and Nyles are amazing in how far they are in life considering their background! Megan needs strong boundaries and emotional strength in dealing with her mom. There is parentfication in how she was thrown in to deal with her moms finances and the shame and embarrassment that came with it all her childhood.

[@im_just_another_guy]

THIS is my favorite interview of the last 6 I have binged. They booked the tennis tournament!!!! Living their rich life ;-) Warms my heart.

[@tabathia7633]

Even though I'm older, I had to quit acquiring my Bus. Degree, because I'm having a lot of financial difficulties from high rent and this won't straighten out for a while, I don't think. I'm so glad I listened to this video, I really want to finish my degree and I'll be the first to obtain this in my family. Like Megan, I wanted this all on my own. This is giving me the encouragement to proceed in finishing this.

[@bunchi2k]

Go get it, girl! You can do it🙌

[@brandongrill2767]

This is an S-tier podcast. Thanks Ramit.

[@loujon191]

This is an abusive relationship. I don’t care what anyone says

[@lowlowseesee]

well declaring you don't care what anyone says shows your close-minded ways. so that said you may ignore my take. I'm in the field of DV which involves a lot of emotional abuse and financial abuse. I do care what anyone says so it's how I've been successful with helping women establish boundaries and even escape abuse. I think that after hearing the follow ups and actually reading comments and watching the whole episode, that he may not be abusive. that said, because I am very educated on an abusers value system it wouldn't be a far stretch to assume he is or will become abusive. Here's to hoping you are wrong and they do well.

[@loujon191]

This guy is very controlling and manipulative. He has convinced her that she can’t trust herself

[@emilyzahand8609]

I’m not gonna lie - a lot of times I find the people in these very unlikeable - but these two I’m def rooting for

[@josuealcaraz7578]

This show is phenomenal.... I just can't seem to get over the graininess of your video feed while watching considering how clear your guest look... small grip but other than that man your killing it with this show. I tune in every week either on podcast or through here. I'm learning a lot and might take you up on your Money Coaching Program in the near future.

[@malemaline]

They are such a sweet couple. I also have shame and guilt around money. I hope they enjoy their money more and Megan feels her worth and safer around money.

[@Livegiveforgive]

I think they make a great couple. They both grew up poor and are living the American dream. They both are working hard and are about to change their family tree . My wife and I grew up under similar circumstances…including having a mom constantly asking for money. Please be aware if you don’t draw hard boundaries with your mom it will lead to problems with your spouse. Providing support doesn’t always have to be financial.

[@morganfoutch2050]

During the financial breakdown portion, we hear that Megan is being add to the home note, and that most of the their debt is mortgage related. Later we hear they are saving for a down payment to buy a house, and Nyles feels like their rent is throwing money away. So do they rent or own? Buying another house? Is the current house an investment property? I didn’t see any rental income mentioned.

[@rory644]

Yea that’s a very confusing part he didn’t explain it at all 🤷‍♂️

[@wastingtimetay]

came here w the same question - what rent??

[@Mac-pluto]

I can’t remember at which point in the video.. but she mentioned wanting to live in the “city” which would require them to pay rent.

[@13Nena13]

Megan doesn’t sound confident enough to speak up for herself. He was not making her pay rent to “save” for herself. That doesn’t sound right. Especially since she knew nothing about it.

[@Callie_FL]

What a sweet young couple! Please, please learn to relax & do fun stuff together. Think about retirement, yes, but you're in a fortunate situation & need to learn to spend smartly without guilt and make some memories.

[@rebekahyoungers831]

I just loved the look on Megan's face when Nyles said they were throwing away money on rent! lol She knew what was coming!

[@marlenenoubet4927]

What a solid couple 🎉 Kudos to them for being so brave.

[@cindysmyth580]

I feel that she feels and thinks that She's not enough!

[@judyfabion8849]

Best couple in all of the episodes I have seen. Megan has so many great qualities. She has worked so hard for what she has achieved. I wish this couple the very best future!

[@2passportsandpostcards]

Megan is amazing. ❤ good for you, girl. So insightful. And the way she is breaking generational financial traumas. What an INSPIRATION!

[@caitlynforet3065]

About to start law school and am in a very similar situation. Thank you for sharing!

[@weho_brian]

I grew up on food stamps and now make 150k a year. I am still cheap AF, some things never change especially when you grow up poor

[@user-vc9or5uc4x]

omg NO, stop sending him YOUR MONEY. I hope she is keeping track of everything she has sent him. You are going to work so much at your new job. YOu need to keep YOUR money in YOUR bank account. He should not be putting her money in HIS savings account. His retirement account in very well funded and she has nothing invested. Why he didn't advise her to put some of the money she sent him to invest it in her retirement account. Because no matter how small the amount is it will be compounded over time. TRUST no one with YOUR money. he could take her money and put it in to a separate account that isn't his savings account. I don't like this and they should not get married so fast. She needs to learn her new job, learn how to manage money first before becoming a wife.

[@HA-tv8gb]

RAMIT -This episode was fantastic! Thank you for sharing and I feel so happy for Megan and Nyles. The struggle is / was real for them, and I hope they turn the corner in this new chapter of their lives. Communication is key.

[@TheSafaneh]

Wow Megan and Myles, you are so inspiring! Megan thank you for sharing your story, you are amazing 💐

[@rossmarymarquez4700]

You could see Ramit is having a good time here. He does not always get to tell people how to spend more money in this episodes, he more often than not has to tell people to spend less

[@jennifyliving5511]

I hope she accounted for a very healthy wardrobe budget! She’s gonna have to look good and have very good looking clothing!

[@aprilstiek7430]

What a wonderful, hardworking couple. They have such a bright future! Congratulations to them. :)

[@maameyaansiah3154]

I hope she gained her power. I am not convinced of the fiancé though. I see lots of red flags.

[@realestatejunkie0414]

As someone who went through law school and is going to be a lawyer, I figured she is someone who likes to read. How hard is it to go find a few books and teach yourself about money? Just go to the library and the info is there… for free. 🤷‍♂️ When you learn for yourself you then create your own vision, your own beliefs, and make your own plan. This gives you a lot of confidence to pursue your goals

[@avgholson8143]

👏🏾👏🏾👏🏾👏🏾 Megan we are rooting for you!

[@TanyaScorpio]

20:14 that would be my first spending my mom. She wouldn't ask for anything...the dude has a job. My parents could afford and when I financially made better I would take my mom on vacation cause she would take me...now she 84 dad passed 13 years ago and she's living with me and I'm her caretaker... She wants for nothing.. And my hubby has no issue as we do for his father..his mom passed.

[@danigo7126]

My heart goes out to her! She is an amazing young woman. You were wonderful with her.

[@flp376]

This was a great episode. I really really hope her mother doesn't guilt her into giving her money all of the time. I grew up the exact same way. Poor moving every two or three months on food stamps, disability check. From 13 yeaes old onward I made 3-4 times more money than my mother. So for years like 15 years I felt like it was my responsibility to take care of her. Then my stepfather passed away and she blew through his life insurance on stupid shit. Then my grandfather passed away and she did it again. That was my wake up call. Since then I stopped buying and paying stuff for her. For 15 years she put me in financial strain because I felt guilty. I am so glad she is investing in her financial education. Just hope she has the backbone to stand her ground.

[@harshitgera9987]

Great episode guys! One of the best!

[@carnini]

Amazing Story and information

[@isabelreyes6387]

I find it interesting that she keeps saying he supported them all those years she was in school when she still paid rent and was incurring student debt that she is obligated to pay back 🤔. I think definitely her upbringing gave her a bad mentality about money always feeling powerless and subject to someone else’s charity. She is and can be completely financially independent on her own - I hope Ramit shows her how.

[@hughmurray2112]

Hi Ramit, I must say first of all that this podcast has been such great value for me. Thanks for doing what you do we do appreciate it. I would just like to request a little more sensoring of expletives as I would love to share with my sons and wife but that is the only drawback we have. KEEP UP THE GOOD WORK GOD BLESS!

[@amendezmuniz]

Wait! Megan was broke súper in debt taking student 👩🏻‍🎓 loans to LIVE! He takes a amount to cover a percent of the rent; then saves it for her. He’s receiving a bono of 15k and saves for her surgery 2000.00 ? But she’s not his wife! Momma! It looks to me that you’re in a win win. He is paying for almost everything she only puts the 600.00 for rent. Knock knock licenciada! Living on 600.00 was a great agreement. Do you have idea how much you may have roll up if you had to make it all on loans! Let’s see how it ends. Because she did know how to keep up with the Jones before him. But he is “controlling” 😅

[@GreatMindsSeekTruth]

Totally agree!!!!!

[@MsJ.TeacherToTech]

Wow. Sometimes, we women can be so trusting. I wonder why he felt he needed to prepare her for what to say "rent money" prior to the show.

[@Candor111]

Too many dysfunctional high earners, not enough people who have serious money problems on the edge that really need the help.

[@carolgarner3567]

Why isn't the elephant in the room not being addressed? Clearly Megan is smart enough to embark on a goal to finish law school. She's killing it! Yay Megan! She's a grown woman capable of achieving great things. She can stop the generational issues surrounding money. She has not been given the chance. Nyles is perpetuating her guilt for his own benefit. He's an opportunist. He wants to control her and her income. This will be amplified when they get married. Myles will continue to suppress her growth. Megan dear, forge your own path to success, both financially and professionally. There's no need to walk 10 paces behind Nyles. Megan you've got this! Be confident in yourself financially, as you are academically and professionally.

[@Mac-pluto]

Always the black women in the comments with this viewpoint… All other races of women see y’all taking L’s and I promise they know better than to follow suit.

[@martingainty9623]

Buy your second home in Maine BUT for the time you are not there lets say Sept1 to May 31 you rent it out Rentals on Maine Coastal Towns are doing quite well ..the closer to Portland the higher the rent

[@Bex_mylife]

I hope you do realize that oil companies are not effected by the price of gas pumps. They were paid well before anything made it to the pump. Educate yourself people.

[@Bex_mylife]

This episode was so enjoyable. It was nice to listen to a couple that sounds like my husband and I. We don’t make as much as her, but we are frugal like them. Jealous of their food budget and excited for what they’ll do with it.

[@head8nana]

The definition of grind in your 20s! This couple was inspiring and I’m sending this video to my daughter ❤❤

[@HelloDarling411]

Megan reminds me of Tara Westover. Well done, you.

[@namastenadine6690]

Yes… OMG was thinking the same thing.. She inhabits that same sophomoric initial mentality and being “EDUCATED” has created a totally antithetical lifestyle with a progressive search for knowledge and lifelong change

[@lucretiabuck7041]

This was PHENOMENAL!! Impressive couple! 😊

[@sumbochen]

This is so good I had to share it..