“We have $22k in cc debt…but I want to renovate the house”

[@ramitsethi]

00:00 Download the Conscious Spending Plan so you can use your money GUILT-FREE: iwt.com/csp-youtube 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.

[@postmorbus]

It always blows my mind when people say, "I am going to make money later!" I started to become disabled at 37 and I was previously super active. At 42 I was forced to completely retire from the work world. I went from 6 figures to 5 again and my two kids were 6 & 8 - and we had just bought a house a month earlier! TWENTY FIVE percent of people become disabled either temporarily or permanently in their lifetimes. So no, you won't always be making more money. I was lucky: I had disability insurance that covered my salary 70% (and I get COL raises every year) until I am 65. Imagine how hard life becomes when one partner cannot clean, do renovations or even do daycare pickup. Imagine your expenses increasing to add accessibility features to your home. Anyone could get hit by a car tomorrow and go through this process so everyone should have DI!

[@mellymarie9612]

Thank you for this important reminder! I hope you and your family are doing well! ❤️

[@postmorbus]

@@mellymarie9612 We are, I am a good saver and my husband has a good income. We paid off the house in 6 years and we also have a lovely community of family and friends we can rely on (the best investment!). Thank you for your kind comment!

[@chaselesser3191]

I think I’m going to get that type of insurance when I renew. B/c you are right, things can quickly.

[@yohanaortiz7314]

How did you go about getting your disability insurance?

[@WTF-sh4is]

Wow that’s a powerful example! Learning lesson for us all! Thank you for sharing

[@AnusiaLA]

My ex husband was like this. Charged everything on his credit cards. I helped him pay everything off. I paid almost all the bills and gave him tax returns (and caught him spending money behind my back and hiding items like tools he didn’t need). Then, once he was debt free he tried to spend my savings on a trip and I said no. He said he’s going anyway. I asked how is he going to pay for it. He said CC. I told him to get the ticket from the town his dad lives in cause he’s moving there ASAP. I kicked him out. Don’t be like me. Don’t marry people who are terrible with money.

[@martabanasiewicz6353]

Girl why you have him your money from tax return… if someone don’t want your help with making plan and education they will not appreciate money as gift. But good for you for not letting him use you anymore

[@bunnybaker2289]

@@martabanasiewicz6353 Well they were already married and in a divorce she’d probably be stuck with half his debt anyways. It gets dicey when you marry because you combine financially in the eyes of the law in most cases. It’s rough if you marry someone like that.

[@codelessunlimited7701]

He's an idiot, he was lucky with you.

[@krista4118]

I could have written this paragraph myself. When we divorced, I paid off his debt so it wouldn't be attached to me anymore. I paid for a divorce lawyer even though he said he would, but he didn't have the money for it. I've watched my net worth go up and up since we split 4 years ago. I previously thought I was broke, but it turns out someone was just shoveling money out faster than I was making it.

[@carieyounginsurance]

I have exact same story - finally divorced- he was a nightmare and did not give two craps about what I did for him…his last purchase was 40k boat he could not afford!

[@lathaniab]

The table works better Ramit. The couple on one side and the consultant on the other side works better for the topic than the cool couches

[@mariepettit2632]

Agreed! 👍🏼

[@zipporahngigi4532]

I concur

[@AS-kf1ol]

Yea them have physically separate chairs actually helps

[@Ghlknxmk]

Totally! Impressed at how quickly he listened to feedback on the last video.

[@maxime_vhw]

Honestly i preffered the zoom style meetings.

[@sct4040]

If you overspend because your job is stressful, I think it’s better to change jobs than to spend for pacification. It’s like drinking to feel better. It’s an addiction. I learned the hard way that things don’t make me happy, less stress does. That’s something I realized as I got older, more mature. 84% of your income on fixed cost is A LOT ‼️ I would work on that asap.

[@lylagray9669]

100% I changed jobs a couple of years ago and my impulse spending went WAY down! It is still a struggle sometimes, but it isn't as hard as it was a few years ago.

[@jdp486]

I was 15 when I was first shocked by how much things cost. I saved up my babysitting money for 2 years before we visited the USA and I went shopping at the mall for new clothes. Wow, what an eye opening experience. Since then, I've had to remember: separate the wants from the needs, and prioritize.

[@richheruk]

Cancel my meetings, Ramit just dropped a video.

[@mspro9032]

For real

[@kemi1486]

😂🗣️🤗🗣️🤓🗣️

[@FaivenFeshazion]

😂😂😂😂

[@chrisk4053]

He seems childish with his spending.

[@dawnkoplitz1825]

This episode hits soooo close to home. My husband is always talking about the next thing he is going to buy, and each thing is $25,000-$100,000! He never has enough! He also can’t stand anyone telling him what to do. We decided on a monthly allowance for each of us to have, but then he goes to the bank, deposits his paycheck, and keeps extra cash out to put in his pocket. This is financial infidelity. 😠. When I’ve tried to have a discussion about finances, he always says,” We have plenty of money.” I know he has no idea where we are financially because he only looks at the amount in the checking/ savings. He doesn’t think abt the upcoming taxes, car repairs, etc. I love the phrase, “Your partner doesn’t want reassurance, they want competence.”

[@PurpleStarsaver]

You must take this seriously! His financial actions are causing you stress as well as anxiety even if you don’t feel it. IT WILL KILL YOU! Please seek help for you and him. He must see that every time he is committing financial infidelity he is hammering another nail in your coffin.

[@dawnkoplitz1825]

@@PurpleStarsaverThanks for validating me.

[@laurao3274]

There is also such a thing as financial abuse. I endured that (and other kinds of abuse) in my first marriage. I recommend you do some research into it and search your heart to figure out if it's abuse or not.

[@TheChrisED]

This issue combines psychology and finance so much that I‘m unsure if what he needs is a therapist or a financial planner to help. Or both? Ramit kind of does a bit of both in the video. Anyway, a therapist might be most helpful to get started. I mean the best plan doesn’t help if you don’t stick to it. Seems like your husband needs to be open to find out why he’s compelled to consistently spend money. And he needs to want to improve too, not just you. That’s probably the hardest part.

[@dawnkoplitz1825]

@@TheChrisED I don't think he’ll admit there's anything wrong, so there isn't a reason to change. 😢

[@ZenPT]

This is interesting. Just made me think about perception and how it shapes our attitude with money. For Morgan, she had a negative role model in her dad, which she does the opposite of what he did. And Paul had a frugal role model and he viewed that as a negative thing and being restrictive. So, he is doing the opposite now and spending more than he makes.

[@LabradorsAreGoodDogs]

This was so interesting to see the guy grew up with financially responsible parents, and yet he's not following their lessons. I have a 4 year old son and one of the main reasons I watch this show is because I want him to grow up to be responsible with money. I would be really interested to know if the husband had an allowance when he was a kid, or if the parents always bought things for him and therefore essentially made every purchase decision for him.

[@agusal4487]

I am very curious to know what exactly he found so “restricting” about being raised by financially savvy, dual income, well to do parents. Was it moving in to a bigger house? The vacations they went on? I suppose the dad’s car wasn’t impressive but dad didn’t care. More kids should be so lucky.

[@cybertoeknee]

@@agusal4487 My guess would be Paul doesn't consider frugality as a virtue. It sounds like his parents could have bought a new car if it was important to them but obviously it wasn't to his Dad. Their rich life were the vacations and the bigger house, and I don't think Paul has/had made that connection yet.

[@GlamGoddes101]

@@agusal4487 His parents did have to “sacrifice” a little by living off of a teachers salary, and completely saving the engineering salary before buying the house. Maybe he thinks that was restricting? But like it ended up getting them a big house so idk why he feels like that

[@TeKnoVKNG23]

@@agusal4487 Probably because he didn't get the toys or fancy video game consoles when they first came out like all of his friends did or something along those lines, so when he got older he decided he was going to buy what he wanted/treat himself to make up for it. There's usually a psychological reason behind it.

[@Sisuri]

I read online about this mom who let her kids spent their allowance however they want even after warning them of frivolous purchases. The mom wanted her kids to learn buyer's remorse early on instead of when they become adults and starting earning money. I like this idea. I grew up with frugal parents and picked up on it. I also know adults who live paycheck to paycheck to buy things they don't need because they didn't get to just spend when they were younger.

[@naimahabdullah-gulley4405]

Thank you for highlighting the couples you do. It gives a snapshot view into what is going on in a lot of households. People see the number of grossing over $170K a year and wonder why they're not rich. But breaking down the numbers shows exactly where the money is going. Everyone can lie, but numbers don't. Can't wait until part 2.

[@CherylWickham]

It's fascinating to me that they moved in with the parents who were struggling and not the ones that weren't and had a huge house. I can't say for sure, but it sounds like his parents are practical, but cold and he sees that lack of warmth and equates it with how they spend money, when really the money is a symptom, not the cause. There are frugal people who are kind and warm too, and I think he needs to realize that.

[@jaynez9027]

That’s a good thought. My parents downsized and moved closer to us because we had kids and they wanted to be closer. So it was a little rough hearing his parents didn’t want to

[@CambieSweets]

Great job everyone! These are all possible circumstances.

[@janebaker4912]

You can be warm but have boundries and not enable. Letting him move in would enable him. He'd never move out and just get in more debt!!

[@rebvanwinkelstein2578]

​@@janebaker4912jupp

[@Aquaria2291]

It sounds like her parents are also physically closer, so it might have just been a practical thing. Like maybe they just didn't want to move to another area. If he's inviting his parents to move closer, there must be some closeness there. But I don't blame them and I don't think they're cold. I wouldn't want to spend all that time paying off a big beautiful home, raise a family there, and build a life there and then give it up either. They've done their job as parents and they've worked hard all their life, they deserve to be a little selfish now and focus on their own happiness and comfort. Parents don't have to build their whole entire life around their kids, especially once those kids are grown. If he can run off to Key West on a whim to listen to a band, he can travel to visit his parents. It's not the end of the world.

[@EcomCarl]

Paul and Morgan's story is a powerful reminder that financial planning is not just about tools but also about consistent action and open communication. For many couples, aligning on financial goals and regularly revisiting them can turn aspirations into reality. 👍

[@kellibarnes2371]

😍 Liked this format better because I could see everyone's faces throughout. Thank you for sharing!

[@nosirrahm]

The problem is that he isn’t spending his money. His money was spent years ago because he’s in debt. He’s spending other people’s money.

[@connerblah]

Yep. And this is why she said the stakes were higher with her added income. It was less of a problem before because he was spending "his" money. Now that he's spending hers as well, it's become obvious what the problem is. And it probably also gives her more confidence to confront him about it because maybe she felt like she was freeloading and couldn't make the financial calls before, but can now (rightly or wrongly). I think she backtracked on this statement and changed it to the kids instead because it can sound kind of selfish when you put it that way. "It was less of a problem when he was spending HIS money, but now that he's spending MINE we have a real problem." It's amplifying the issue that this guy just can't help himself and making it obvious so it's not as self-centered of a statement as it might seem.

[@Lordtrainman]

The most addicting content on KZbin!

[@Glutenfree123]

Literally

[@ignitionSoldier]

You can lead a horse to water but you can't make him drink. Paul had a great opportunity with the parents he had and he just doesn't want to heed their advice. I wish I had the same opportunities he has had in life.

[@Playingwithproxies]

Such a massive difference in lifestyle and both of them wanted to do the opposite of their parents

[@sydney-my4zn]

the look into the camera when morgan said the financial planner from her workplace tried to sell her whole life insurance 🤣

[@janebaker4912]

And time stamp?

[@MargaretMaenad]

Really appreciated hearing her talk about conflicting messages and behavior from her parents. That's something ive had to square with in my own life, so its very relatable content

[@ms.z461]

Thanks for posting on time. I see and appreciate the effort

[@ramitsethi]

Thank you. My colleagues do an amazing job and we all appreciate you watching and sharing the pod!

[@Kevintendo]

Jeez why the backhanded compliment lol basically complaining about the last upload being late haha

[@princessdaaahlingamor5798]

Ramit, at about 47:20 you list what you wish we’d do before filling out the CSP…. Can you, please write that out as a worksheet for each person at home to fill out before we do the CSP with the questions you listed? That would be SOOO helpful. Because…. We honestly don’t know to do that, why it’s important and how to do it. Please include that as an assignment attached to the CSP. Many thanks 😊😊😊

[@Rvlove]

Yes! I had the same thought! Write a “how to complete your CSP” overview with tips like these - thank you!

[@elisedesignss]

23:01 Ramit: "Your partner does not want you reassurance. They want your competence." Me: TELL EM, RAMIT!

[@alexisballard1459]

He clearly didn’t see what frugality awarded his parents he only saw the cost - reminds me of a toddler throwing a tantrum saying “it’s my money and i want to spend it now!” Glad they’re talking to Ramit.

[@malone77]

Agreed, complete man child😂

[@chaselesser3191]

I feel like the people from Caleb hammer should go thru both shows. They really do go down different paths. Caleb puts them on blast, but Ramit is like therapy.

[@mwise9435]

The people on Hammer are complete lost causes that don't care and most seem like they're just looking for exposure or clout (which is the reason I stopped watching). Ramit's guests genuinely seem to want to work through their answers.

[@rebvanwinkelstein2578]

That s an amazing idea. They should collaborate 😍 Like good cop - bad cop 😅

[@Aquaria2291]

​@@rebvanwinkelstein2578 that would never work. 😂 Caleb has alot of growing up to do before he would be in a position to collab with someone in Ramit's approach. Bro has 0 finesse in how he speaks to people and if there's one thing you need in this format, it's finesse.

[@dantouneto]

All hail everybody Ramit just posted.

[@tswinton8185]

Tuesdays are the best ❤

[@zipporahngigi4532]

Yup. Always looking forward to it

[@ramitsethi]

I love these comments. THANK YOU for watching!

[@dantouneto]

@@ramitsethi Thanks to you for sharing these stories that educate us on peoples behavior around money. As a frenchman we don't have nearly the same views around debt as northern american but we can still pick things from those conversations, especially about ways of being intentional with our money. All love ❤️❤️

[@marjorieantoniou2836]

Tuesday is now my favorite day of the week.

[@carieyounginsurance]

I married a man like this- it was hard and stressful - I was the main bread winner. He did so many hurtful things financially- I have never been in a better place financially now that I’ve divorced him- and he didn’t go easily :/ good luck

[@YourRichAuntie]

Love the new f2f format Ramit has taken on. When I can see the entire upper body, I can pick up on cues that the Zoom calls were cutting off. I can feel the stress and frustration radiating off of Morgan - they seem like a great couple and I hope they're able to come to a point of resolution, but sometimes Paul is just working against the bigger goals

[@swithheld9905]

I'm 10 mins in and this guy is already exhausting me. i couldn't be married to him. i hope he knows how lucky he is to have her! ramit is making some great points, as always

[@genesisjpadilla]

I think this is my favorite show

[@ramitsethi]

Thank you for watching

[@NickiBluIs]

If this were Reddit I’d say, dump the guy and marry his parents LOL. Seriously though this is such an interesting departure where rather than replicating their parents patterns, they both did the opposite of what they saw growing up but married someone with the money mindset they saw growing up.

[@NickiBluIs]

I really hope they resolve this though. My mom has the “I worked hard so I deserve to enjoy it now” mentality. The outcome: she can’t afford to retire but her body physically can no longer work full time. She has credit card debt, a HELOC, a car loan, and a mortgage. As the eldest, I’m scrambling to figure out how to help her 😢

[@WhyDoWeStay_]

@@NickiBluIs Your Reddit comment made me laugh 😅I'm sorry to hear you're dealing with this situation with your mother- I hope you can lean on your siblings and other folks around you so you don't have to deal with this alone. And ultimately, I know it's tough, but it is not your responsibility. Please don't put yourself under so much pressure to solve a problem you didn't cause. Sending love your way!

[@NickiBluIs]

⁠@@WhyDoWeStay_ honest question: how far do people take the “it’s not your responsibility” mindset? People say it all the time but I don’t understand what it means in practice. Are people willing to let their parents be homeless? Go hungry?

[@WhyDoWeStay_]

​@@NickiBluIs Totally fair question! And so much easier said than done. I try to think of it as a spectrum of caring rather than a binary 'if I do this to help = I care' & 'if I don't do this to help = I don't care about their suffering' On a spectrum, it's much easier to avoid burnout and also put in some boundaries (though I really struggle with the boundaries part!). But it's easier to accept that you can help in some ways but not in every way. Also I'd say helping in small increments in advance is beneficial, esp. if you can foresee a crisis ahead. So for example (not saying this is your scenario or you haven't done these things!) one can help by first having a tough convo with a parent regarding future retirement plans, helping them figure out the best next steps (maybe downsizing, selling some things, doing a part time job/side hustle that aligns with their abilities). Helping with those aspects now could reduce the likelihood that they have to move in with you in the future. Of course this is all simplistic and real life/dynamics are complicated (as Ramit's podcast shows us each week!). It would likely feel impossible to 100% remove the burden of responsibility, but these are some ways that you can reduce the weight of that burden. As an eldest child, and simply just as a human, you deserve more than feeling tired from carrying such a heavy burden alone. I hope this helps even a little bit! :)

[@CambieSweets]

@@NickiBluIs People do. If you can’t breathe, you have to first place the mask on yourself, then someone else. Your situation is very similar to how a drowning person can drown the person trying to save them. Everyone dies. I really don’t mean to offend or go dark side but that’s how it sounds to this stranger on the internet.

[@msmong123]

Morgan man you lived my life !! I can remember at least 2 cars being repoed for my parents who definitely lived above their means

[@jaynez9027]

I really like this one, I am so drawn to people in similar situations to my own life. I’m a bit terrified that when my kids are out of daycare and that huge cost is gone that we aren’t actually going to see a difference so this is a good learning experience

[@jhgh2000]

Amen! As each kid left daycare we redirected that money to student loans and now that student loans are paid (!!) we direct it towards investing and saving. Lifestyle creep is a silent killer!

[@lyndalamb3221]

Husband is still thinking about money like an impulsive 20 yr old. $22,000 in credit card debt is a bad place. Commissions should go towards this paying off this debt. Not paying cc interest is a pay raise. An $800/night hotel! We can go to Europe for $5000!

[@AG-ty4ih]

Trying hard to not judge but god its frustrating to hear the guy. 800-900 $ a night when you "only have a couple thousand dollars as debt on your CC". I have upwards of 60k in my savings and I would still never think of an 900 a night room on a whim. I feel for Morgan - the bad luck associated with falling in love with an irresponsible man child

[@Th3Think3r]

Eh, but it was a vacation for them. Morgan made absolutely no mention that she disagreed with the expenses related to the that vacation. From her reaction it did not seem like she even knew how expensive the vacation was. I don't think it's fair to only throw Paul under the bus for that excursion. She's an adult too.

[@Aquaria2291]

​@@Th3Think3r vacation doesn't mean you drop $1000 a night on a hotel room, especially when you know you don't have the cash to back it up. If I want to go somewhere and my only option is $1000 a night hotel room, I'm not going. Maybe one day, if I'm as rich as Ramit. 😂 But not TODAY. 😂

[@Th3Think3r]

@@Aquaria2291 I don't think you read my post correctly. I'm not defending their spending. I am simply stating that the video gives no indication Morgan was not onboard with the money spent on that vacation and therefore it is presumptuous to only judge Paul which is what the original poster was doing. She even said at one point in the video she wanted Paul to set the limits so she could very well have been fine with what they spent on that vacation. Had she stated otherwise then it would be fair to judge Paul.

[@Aquaria2291]

@@Th3Think3r you didn't read mine. 😂 I know it's both of their fault because she could have said no or refused to go. I'm saying that it was a dumb idea and saying "eh, it was a vacation" doesn't change or mitigate the fact that it was a dumb idea. They couldn't afford it.

[@Th3Think3r]

@@Aquaria2291 Actually I did read yours and you were misreading what I stated. I said it was a vacation for both of them, meaning it's shortsighted to blame only Paul when she knew about the vacation and was there so she had the ability to impact the costs. Then I followed up with how there was no evidence she objected to the costs. I am not making any comment on your judgement around whether the cost of the vacation was justified because it has nothing to do with my original post. My original post was solely about the unfair judgement of the OP based on the available facts.

[@slaychildhoodmoneyscripts]

I can relate, my dad was the "don't worry, I got this" guy. The thing is I wanted to get involved and learn more, not just depend on him. My mom was OK leaving it all up to him and that was their arrangement, that wasn't the one I preferred.

[@trackee2024]

37:24 my father in law is like this too! Grew up with frugal parents and now he just wants steak dinners, vacations, and too many toys for the grandkids!!!

[@martabanasiewicz6353]

He really have the audacity to tell his parents that worked very hard to accomplish they dream house that they don’t need it and should sell it.

[@beetdiggingcougar]

While living in a fixer upper without any fixing occurring. I don't think he needs to give out any advice.

[@cybertoeknee]

As Dave Ramsey likes to say, "You shouldn't listen to the financial advice of broke people".

[@PradedaCech]

But he has a point, if all children left the house, they don't need that much space any more. So he can talk about it, but it is their choice. Which is exactly what happened.

[@nathaniel5291]

I don't think it was driven by that but a desire to have grandparents nearby.

[@Rendani]

I really like the in person format. This is high quality.

[@jem9893]

Thank you so much for providing this content...These weekly podcast releases create regular self-reflection opportunities for me!

[@theChef1337]

Back again with the 2 parters. Killin me dude

[@judyfabion8849]

I'm sure there are many people watching this episode who wished that their household income was $14,000/mo.

[@Dan16673]

Still not enough

[@Dan16673]

That's gross also which still ain't much

[@davidbrooks8809]

​@@Dan16673😢😮

[@williamsullivan8544]

@@Dan16673you’re crazy. That’s $168,000 a year. Even gross that’s more than double the United States median. What are you taking about? How much do you make? Let’s hear it.

[@Dan16673]

@williamsullivan8544 dual income at 168? Maybe if your 22 or 23. Not as a full adult

[@WhyDoWeStay_]

The childhood/family dynamics around money were so interesting on this one! Looking forward to next week- I hope that going through the CSP with Ramit helps Paul switch more towards showing competence rather than reassurance with Morgan. Also $14k per month?! Wow!!

[@n.sch.8455]

Ramit, I just wanted to say how insightful your podcasts are, I am taking so much away from the episodes and I love your style of asking questions. Thank you for uploading!

[@kat-oe7gb]

I am so happy this is up early 😍

[@tyerrascott6596]

I'm so upset. Didn't realize the post date. I'm so invested lol. I'll be back next week!

[@zurijones8715]

At 35:18 the parents don’t want to move closer because they don’t want to be financially burdened by their son and his young family. They moved in with her family who were outwardly successful while they actually struggled financially rather than his parents who are comfortable.

[@evann8382]

That moment when you realize it’s a 2 part episode and you won’t be getting a new story next week 😢

[@TradeWise1000]

Lol, thanks for this the moment I read this is the moment. I just wait for next week.

[@arh1234]

I love the two-parters. I feel like the discussions tend to be especially interesting

[@Reggiescrew]

Thanks for the heads up 👍🏾

[@Aquaria2291]

​@@arh1234 they are interesting but I hate having to wait until next week to see what happens next. I wish they would put part 1 in the title, so we can decide up front to wait or watch now. I don't even wait for tv shows to come out week by week anymore, I let the season finish and then watch the episodes through. 😂

[@dacokc]

I want to do lots of things. But if I don’t have the money I don’t do them…

[@abramsrob]

😂

[@sct4040]

Correct, that’s how a responsible adult makes decisions. If I don’t have the money, I don’t spend it.

[@MrIshouldbeatwork]

44:46 funniest turn to look at camera after hearing whole life insurance

[@thetuningroom]

When he said ‘not that much…a couple thousand’ regarding a cc balance, you know there’s issues….a couple thousand at high interest rates is pretty crazy. 42:00

[@MelissaJetzt]

Damn an $8k 3-day trip to Key West? Could have gone to Japan for a couple weeks with that. Wild…

[@holamissmusica]

Paul should be on the thumbnail with the quote, not Morgan.

[@yukitamura9228]

I wonder it will be interesting to see generational interview. Parents and children and see how they dare. Behavior and practice are similar VS different.

[@aliciahernandez_online]

I love the two part episodes because we get more in depth, but I was sad when this ended with to be continued. Now to go back to bingeing all the old episodes for the next week! Thank you Ramit! Love the show!

[@aounjafarey1036]

I think the fact that they did something so extreme like saving up 60K in a year while on one income while living at her parents home may have left Paul exhausted from the experience of “saving” and being fiscally responsible. It’s no different than people who go on extreme diets, extreme amounts of cardio to become lean and then rebound terribly, they did something unsustainable and have now subconsciously developed an aversion to anything related to that experience.

[@MilKreegz]

Hey baby wake up new Ramit vid just dropped.

[@Camp_MTG]

Loved the video! ... But not the split episode! Much prefer one long one

[@MsJai_1]

I'm late to this video today, but so far I can sense this is about to be... YIKES. EDIT: Just finished the episode, and my Yikes assessment was right. This couple can definitely turn things around, but buddy boy needs to stop ostriching his way through life and make mature decisions. But she will need to learn that you can't force anyone to change, and should have a plan B.

[@ouchman2099]

"you teach me how to be rich and I teach you about N U G G S"

[@chellybaby]

There is something about the Zoom format that was more engaging to me. I can’t put my finger on it but these recent episodes are pulling me in like the old format did

[@catherinagroeneveld149]

I listen to the podcast anyway, so it’s all the same to me, except I could hear them better on the podcast with the Zoom calls. I just come here for the comments.

[@wastingtimetay]

i liked seeing their backgrounds / house - more clues about who they are

[@chellybaby]

@@wastingtimetay yeah! I also loved Ramit’s interludes

[@beautifulmeandyou2]

i'm sorry the lack of self-discipline and maturiy would make me fall out of love so hard.

[@KineticsWithKatelyn]

I watch Caleb Hammers channel too much, I keep expecting him to yell at them 😂

[@danielvee2441]

If a pharmaceutical company pays to be a sponsor, that means you've made it. Congrats.

[@sct4040]

Claritin D gave me heart palpitations, don’t take it. ‼️

[@user-uq2ti7tj6k]

Paul reminds me a bit of my sister. We grew up pretty well off. We were spoiled frankly. We got everything we wanted. You wanted something you tossed it in the cart. But my sister would tell you that she was unloved, a black sheep, that no one ever helped her, etc. Long story short, she is 50 and she has either lived for free on our parent's dime or received help for her entire adult life and her finances are terrible. She currently lives in a house, for free, owned by my parents but she will literally tell people she doesn't have a home. The thing is, my sister is older and she can remember my dad being an alcoholic who was abusive to my mom and she created the narrative that she was unloved and not valued from a young age and it stuck. My sister may seem to have "everything" to other people, but she doesn't have (or doesn't think she has) the one thing she wants which is love and validation. As such, she will tell you that I was given everything even though my parents have never, as an adult, paid for anything for me to the point that they feel bad about the disparity. But to my sister I'm the favorite who gets everything - love, acceptance, and validation. I suspect what Paul felt deprived of wasn't entirely money either.

[@Natalie_11188]

Thanks for sharing your experience. I’ve often seen when a parent feels guilty (justified or unjustified) they will give the child extra money to compensate for the emotional trauma or other type of trauma they went through. Often to the point of enabling them. I have a friend who was the “vacation baby” born 15yrs later after their parent (same bio parents for all kids) was sober. She grew up in more affluence and emotional stability and her older siblings never let her forget it and resent it, but in turn she has cared for the elderly parents alone. Money is rarely just about money.

[@shauntelcampos3212]

It would be better to separate the consumer and the house debt rather than combining them on the net worth slide.

[@Capycorg]

Totally agree!

[@tomaszp2027]

for sure, it's like cholesterol - good debt, bad debt

[@marjorieantoniou2836]

Omg you were in nyc! Please do a live event in NYC!!!! I just started watching you and love your videos.

[@thewriteplaceforme6874]

More surprises next week?!?! 👀 I'll be here for it!

[@sct4040]

I was low income in my 20s, then still pretty low income in my 30s even though much better. And I was single, so I had no support. I really don’t understand how people don’t look at where their money is going.

[@Wenshu_Art]

Damn it! now I gotta wait another week for a new episode

[@badboy2day2011]

Love your show, i sure would like to see an interview with a 40's hispanic family.

[@Capycorg]

Wish they would've talked about the debt - how much is CC debt vs. mortgage? Feel like that makes a difference.

[@Allybaba55]

LMNT sent me the sparkling waters as a promo and they are good! I don't usually go for carbonated beverages so I probably won't purchase but I'll definitely hype them up.

[@aprilm9379]

I miss the zoom version where you can see everyone’s face at all times. The new set up feels unnecessary and uncomfortable. Will you guys be going back to that ever?

[@Rvlove]

Yes we prefer the zoom versions - way more intimate, connected, entertaining and keeps us more engaged. I am 100% focused on the zoom style but I find myself getting distracted with the newer format as it doesn't pull you in as much. It feels less personal... And I think the couples are more deeply honest in the comfort of their own homes and being in separate rooms. Thanks for sharing your comments too! Hopefully they read.

[@janebaker4912]

A teacher and an engineer...thats the frugal couple combo!!

[@StaciaBielka]

He is the first living person I know who actually purchased Sirius XM 🤣 I thought they only exist to send you annoying mails after the free month ends when you just bought a new car with their promo

[@nathanbryant6629]

Evey time i hear them chuckle, all i think about is Caleb Hammer saying "do you think this a joke, your life is not a joke!!!"

[@johnlittle8267]

They are already living their rich life lol!

[@a.miller8316]

Ahhh yes... The old "i deserve it" because i am somehow different or special mentality.

[@RadCenter]

A slap in the face to his parents-as if THEY didn't work hard or deserve to spend their money on themselves instead of their ungrateful son.

[@lasdamaichon]

The comments seem so much more insightful in response to this video than usual. I wonder whether it’s because of the special format.

[@CustomerRelationsManager]

My mom always said "A coat of paint hides 1000 sins" when you can't afford renovations at the current time! Kitchens: reface vs. renovate with new cabinets ..if you do the kitchen yourself = go with IKEA cabinets where you can change the fronts later on down the road as an update in 20 years ... get the floors scrapped professionally two rooms at a time ..... A "HOUSE" is a woman's equivalent as a safe place/showplace = security & a source of pride!

[@TheMetalGaia]

Episode kept tripping me up because my name is Morgan 😂 even though I knew I was watching a video

[@IndigoClare]

Are releases happening more frequently?! This is good!

[@zipporahngigi4532]

Once a week. He was late by a couple of hours last week and that's why we're excited

[@jondiaz3475]

There are so many bad money management examples out there, he could probably drop a video hourly.

[@IndigoClare]

@@jondiaz3475 true.

[@nickbegnaud]

Will out of state guests still do the remote calls or is the show helping them get to the studio you're filming in? I do prefer these face to face interviews, but I wonder if it's going to limit your guests that can make it to NY

[@LabradorsAreGoodDogs]

I would like to see both formats actually. I like the fact that they can get things onscreen in the remote calls, and they can go through the numbers a bit more. But I do like the face to face ones for the more emotional stuff.

[@Lili-p1b5t]

I also like the remote format. I hope we will get both formats in the future. I do think that partners being in different rooms might allow them to speak their minds more.

[@jr5557]

I like the table

[@kirbiejohnson4475]

no you didn't leave us hanging, Ramit. This is good. I don't find it so odd that Paul looks to material things the way he does. Maybe, the things take the place of the affection he didn't get from his parents? I don't know, i just think when you don't get those hugs, or affirmation from parents, things become the emotion that we run too.....

[@panchalvsjeeps]

About time you got face to face conversation, makes for better engaging content.

[@themusic6808]

I found it interesting that Paul describes himself early on as thinking he’d be a wealthy breadwinner who’d live a materialistic millionaire lifestyle but says “that was way back then”, yet it’s very clear in adulthood as soon as he realizes life hasn’t turned out that way he overcompensates by spending money that he doesn’t have on his credit card to buy things that make him feel rich. It also explains his habit of brushing things off and re-assuring his wife not to worry when she has every reason to, as that’s something a high earning breadwinner or financial provider would often do since they have the financial leverage and means to get away with it. The sooner he can come to grips with their situation, let his guard down and take their finances as seriously as her the better off they’ll be.

[@thegamingcaffe]

Why do people care about other people coming over to THEIR house and judging it? You pay for the house, you're the only one that has to like it. If they don't like your space, they can leave.

[@bookwormbon482]

There are a lot of sponsors in this video, its jarring. Is it possible to reduce the frequency/ amount of these please?

[@beea4456]

Advertising fatigue!

[@streetguru6240]

Keep em coming

[@GhostJ3272]

“The things you own, end up OWNING you” Tyler Durden “Fight Club”

[@amruthag7322]

Patriarchy I guess is why men have this notion to be a provider which is not fair for men though . It’s very stressful . but some women need is a partner so that both can sit and discuss what can be done better to improve ourselves . I thought I see it only in Asian cultures and Mediterranean etc but it’s more than I thought .

[@LismoreLady]

$800 a night for a hotel is wild to me! That’s about €740 and that’s about the total price we paid for a four night B&B hotel stay in Kraków and return flights from Dublin for 2 this week. Of course we spent more on eg. tours to Auschwitz-Birkenau and the Salt Mines, and lovely dinners on the Market Square terrace restaurants and cocktails 🍸 and beer 🍺 in the Jazz Rock Café. We wandered the beautiful old town and are having a lovely break and we’ll probably do another city break next month or soon after. I know Poland isn’t Florida price wise but my take away from this is he’s spending money he doesn’t have and is paying a fortune in CC interest. (We pay off ours every month so we’re the kind of demographic the CC companies hate!)

[@thesattfam718]

Not me with a truck and boat😅😅

[@stevemaurer2259]

Those chairs don’t look comfortable for some reason 😂

[@arh1234]

I've sat in similar chairs that were very comfy - I anticipate Ramit would have checked.

[@janeaustere]

Morgan is beautiful!

[@rhondavigil795]

I love a good budget!😊

[@camdenmounts1473]

7:38 wanna be a marine biologist hahahaha

[@lasdamaichon]

I love your content and am happy to key in on most of your ads. A lot of the stuff you advertise would potentially be useful to me and is relevant to the show. I’d rather not hear drug ads though. That stuff is way too controversial in my world for many good reasons. Ads relevant to content also give me reason to trust the endorsement. When ads are not relevant I find them annoying.

[@tomaszp2027]

F2F interview again, let's go

[@mbens9995]

I like it because lighting and sound is better, but I also always found the background of the home to be interesting too…