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
4 ай бұрын
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
4 ай бұрын
Thank you for this important reminder! I hope you and your family are doing well! ❤️
@postmorbus
4 ай бұрын
@@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
4 ай бұрын
I think I’m going to get that type of insurance when I renew. B/c you are right, things can quickly.
@yohanaortiz7314
4 ай бұрын
How did you go about getting your disability insurance?
@WTF-sh4is
4 ай бұрын
Wow that’s a powerful example! Learning lesson for us all! Thank you for sharing
@sct4040
4 ай бұрын
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
3 ай бұрын
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
4 ай бұрын
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.
@lathaniabutler1404
4 ай бұрын
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
4 ай бұрын
Agreed! 👍🏼
@zipporahngigi4532
4 ай бұрын
I concur
@AS-kf1ol
4 ай бұрын
Yea them have physically separate chairs actually helps
@Ghlknxmk
4 ай бұрын
Totally! Impressed at how quickly he listened to feedback on the last video.
@maxime_vhw
4 ай бұрын
Honestly i preffered the zoom style meetings.
@AnusiaLA
4 ай бұрын
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
4 ай бұрын
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
4 ай бұрын
@@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
4 ай бұрын
He's an idiot, he was lucky with you.
@krista4118
4 ай бұрын
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
4 ай бұрын
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!
@nosirrahm
4 ай бұрын
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
4 ай бұрын
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
4 ай бұрын
The most addicting content on KZitem!
@Glutenfree123
4 ай бұрын
Literally
@EcomCarl
4 ай бұрын
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. 👍
@naimahabdullah-gulley4405
4 ай бұрын
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.
@kellibarnes2371
4 ай бұрын
😍 Liked this format better because I could see everyone's faces throughout. Thank you for sharing!
@dawnkoplitz1825
4 ай бұрын
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
4 ай бұрын
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
4 ай бұрын
@@PurpleStarsaverThanks for validating me.
@laurao3274
4 ай бұрын
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
2 ай бұрын
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
2 ай бұрын
@@TheChrisED I don't think he’ll admit there's anything wrong, so there isn't a reason to change. 😢
@chaselesser3191
4 ай бұрын
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
4 ай бұрын
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
4 ай бұрын
That s an amazing idea. They should collaborate 😍 Like good cop - bad cop 😅
@Aquaria2291
4 ай бұрын
@@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.
@sydney-my4zn
4 ай бұрын
the look into the camera when morgan said the financial planner from her workplace tried to sell her whole life insurance 🤣
@janebaker4912
4 ай бұрын
And time stamp?
@swithheld9905
4 ай бұрын
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
@richheruk
4 ай бұрын
Cancel my meetings, Ramit just dropped a video.
@mspro9032
4 ай бұрын
For real
@kemi1486
4 ай бұрын
😂🗣️🤗🗣️🤓🗣️
@FaivenFeshazion
4 ай бұрын
😂😂😂😂
@chrisk4053
4 ай бұрын
He seems childish with his spending.
@alexisballard1459
4 ай бұрын
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
4 ай бұрын
Agreed, complete man child😂
@ms.z461
4 ай бұрын
Thanks for posting on time. I see and appreciate the effort
@ramitsethi
4 ай бұрын
Thank you. My colleagues do an amazing job and we all appreciate you watching and sharing the pod!
@Kevintendo
4 ай бұрын
Jeez why the backhanded compliment lol basically complaining about the last upload being late haha
@elisedesignss
4 ай бұрын
23:01 Ramit: "Your partner does not want you reassurance. They want your competence." Me: TELL EM, RAMIT!
@genesisjpadilla
4 ай бұрын
I think this is my favorite show
@ramitsethi
4 ай бұрын
Thank you for watching
@jaynez9027
4 ай бұрын
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
4 ай бұрын
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!
@judyfabion8849
4 ай бұрын
I'm sure there are many people watching this episode who wished that their household income was $14,000/mo.
@Dan16673
4 ай бұрын
Still not enough
@Dan16673
4 ай бұрын
That's gross also which still ain't much
@davidbrooks8809
2 ай бұрын
@@Dan16673😢😮
@williamsullivan8544
2 ай бұрын
@@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
2 ай бұрын
@williamsullivan8544 dual income at 168? Maybe if your 22 or 23. Not as a full adult
@trackee2024
4 ай бұрын
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!!!
@lyndalamb3221
4 ай бұрын
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!
@msmong123
4 ай бұрын
Morgan man you lived my life !! I can remember at least 2 cars being repoed for my parents who definitely lived above their means
@aounjafarey1036
4 ай бұрын
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.
@dacokc
4 ай бұрын
I want to do lots of things. But if I don’t have the money I don’t do them…
@abramsrob
4 ай бұрын
😂
@sct4040
4 ай бұрын
Correct, that’s how a responsible adult makes decisions. If I don’t have the money, I don’t spend it.
@evann8382
4 ай бұрын
That moment when you realize it’s a 2 part episode and you won’t be getting a new story next week 😢
@TradeWise1000
4 ай бұрын
Lol, thanks for this the moment I read this is the moment. I just wait for next week.
@arh1234
4 ай бұрын
I love the two-parters. I feel like the discussions tend to be especially interesting
@Reggiescrew
4 ай бұрын
Thanks for the heads up 👍🏾
@Aquaria2291
4 ай бұрын
@@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. 😂
@slaychildhoodmoneyscripts
4 ай бұрын
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.
@WhyDoWeStay_
4 ай бұрын
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!!
@AG-ty4ih
4 ай бұрын
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
4 ай бұрын
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
4 ай бұрын
@@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
4 ай бұрын
@@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
4 ай бұрын
@@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
4 ай бұрын
@@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.
@jem9893
4 ай бұрын
Thank you so much for providing this content...These weekly podcast releases create regular self-reflection opportunities for me!
@thetuningroom
4 ай бұрын
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
@MilKreegz
4 ай бұрын
Hey baby wake up new Ramit vid just dropped.
@holamissmusica
4 ай бұрын
Paul should be on the thumbnail with the quote, not Morgan.
@ouchman2099
4 ай бұрын
"you teach me how to be rich and I teach you about N U G G S"
@chellybaby
4 ай бұрын
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
4 ай бұрын
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
4 ай бұрын
i liked seeing their backgrounds / house - more clues about who they are
@chellybaby
4 ай бұрын
@@wastingtimetay yeah! I also loved Ramit’s interludes
@theChef1337
4 ай бұрын
Back again with the 2 parters. Killin me dude
@danielvee2441
4 ай бұрын
If a pharmaceutical company pays to be a sponsor, that means you've made it. Congrats.
@sct4040
4 ай бұрын
Claritin D gave me heart palpitations, don’t take it. ‼️
@n.sch.8455
4 ай бұрын
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!
@tyerrascott6596
4 ай бұрын
I'm so upset. Didn't realize the post date. I'm so invested lol. I'll be back next week!
@zurijones8715
2 ай бұрын
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.
@Camp_MTG
4 ай бұрын
Loved the video! ... But not the split episode! Much prefer one long one
@Rendani
3 ай бұрын
I really like the in person format. This is high quality.
@yukitamura9228
4 ай бұрын
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
4 ай бұрын
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!
@MsJai_1
4 ай бұрын
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.
@aprilm9379
4 ай бұрын
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
4 ай бұрын
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.
@IndigoClare
4 ай бұрын
Are releases happening more frequently?! This is good!
@zipporahngigi4532
4 ай бұрын
Once a week. He was late by a couple of hours last week and that's why we're excited
@jondiaz3475
4 ай бұрын
There are so many bad money management examples out there, he could probably drop a video hourly.
@IndigoClare
4 ай бұрын
@@jondiaz3475 true.
@MrIshouldbeatwork
4 ай бұрын
44:46 funniest turn to look at camera after hearing whole life insurance
@StaciaBielka
4 ай бұрын
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
@sct4040
4 ай бұрын
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.
@themusic6808
25 күн бұрын
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.
@KineticsWithKatelyn
4 ай бұрын
I watch Caleb Hammers channel too much, I keep expecting him to yell at them 😂
@nickbegnaud
4 ай бұрын
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
4 ай бұрын
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
4 ай бұрын
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.
@Allybaba55
4 ай бұрын
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.
@Capycorg
4 ай бұрын
Wish they would've talked about the debt - how much is CC debt vs. mortgage? Feel like that makes a difference.
@badboy2day2011
4 ай бұрын
Love your show, i sure would like to see an interview with a 40's hispanic family.
@streetguru6240
4 ай бұрын
Keep em coming
@lasdamaichon
4 ай бұрын
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
4 ай бұрын
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!
@janebaker4912
4 ай бұрын
A teacher and an engineer...thats the frugal couple combo!!
@nathanbryant6629
3 ай бұрын
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!!!"
@panchalvsjeeps
4 ай бұрын
About time you got face to face conversation, makes for better engaging content.
@swithheld9905
4 ай бұрын
hmmm...i think the real question is how much is this guy spending on weed? he's way too laid back about very important things.
@stevemaurer2259
4 ай бұрын
Those chairs don’t look comfortable for some reason 😂
@arh1234
4 ай бұрын
I've sat in similar chairs that were very comfy - I anticipate Ramit would have checked.
@amruthag7322
4 ай бұрын
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 .
@janeaustere
4 ай бұрын
Morgan is beautiful!
@LismoreLady
4 ай бұрын
$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!)
@laurencetummings3913
4 ай бұрын
Still not vibing with the format, missing some of that comfort the guest feel in their own homes.
@awb19892
4 ай бұрын
k
@GhostJ3272
4 ай бұрын
“The things you own, end up OWNING you” Tyler Durden “Fight Club”
@to4178
4 ай бұрын
42:06 Nothing crazy just a couple thousand………
@lasdamaichon
4 ай бұрын
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.
@jeromehenry4484
4 ай бұрын
Interesting that husband says wife reminds him of his mother. And wife married a man just like her father. Yet they probably wanted to marry the exact opposite.
@rosegirl9874
4 ай бұрын
This table is too big for the frame.
@thegamingcaffe
4 ай бұрын
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.
@NishanthaU
4 ай бұрын
Good visual cuts
@brittanybaker7937
4 ай бұрын
Paul's body language looks like he was forced to go to this and he doesn't really buy what Rammit is saying.
@Theimmigrantseries
4 ай бұрын
See myself in this couple
@TheMetalGaia
3 ай бұрын
Episode kept tripping me up because my name is Morgan 😂 even though I knew I was watching a video
@cluelessxbelle
4 ай бұрын
Next week?! *froths at the mouth and waits 584,220 seconds*
@TeKnoVKNG23
4 ай бұрын
You can "enjoy your money" if you work a lot, you just have to plan/budget for that enjoyment and not just go blow money on credit cards because you are stressed out. I've never really understood this guy's mentality...if you're going to go on vacation, how is it even fun if you have to finance the entire thing. You can't even enjoy it or really have a good time because the entire time you're just racking up more debt. Unfortunately it seems like this guy felt like his parents did him wrong by not buying him everything with their money and now he feels entitled to have it all. Crazy to, because if they have the money to make those bulk payments on the credit cards, they could have just set aside the cash ahead of time and paid for the vacation as they went instead of putting it on credit.
@mandypdx
3 ай бұрын
I didn’t know what “nugs” meant either:)
@2009Holleywood
4 ай бұрын
He may have ADHD or authority defiance because the impulse control and not being able to be told what to do is a problem
@ryanpotter5002
4 ай бұрын
This is great 👍
@yeeefaaan9627
4 ай бұрын
I’m so tired of people blaming their parents for everything they did. It amazed me when parents are good with money but are still responsible for whatever their kids bad money behavior. And then if the parents are bad with money they’re also blamed. Why?
@chellybaby
4 ай бұрын
I absolutely love Viator!
@Kingtexaschaos
4 ай бұрын
In the grand scheme of things, their balance sheet is not that bad. I was expecting to see -$300k net worth similar to the last couple. Honestly, once they start investing and saving, they should be on their way.
@Dan16673
4 ай бұрын
It's the house though which us a forced savings account
@noumansial5645
4 ай бұрын
Stop with the clffhanger endings
@nyachanpal8633
2 ай бұрын
I’m not sure why but I feel like men over time have become more like children when it comes to finances. It seems like it’s all play leaving their wives to take care of everything.
@Bts999-3
4 ай бұрын
Wish my man would watch/listen to you.
@ryanpotter5002
4 ай бұрын
Second half!!!!!! Ahhhh
@verb0ze
4 ай бұрын
The irony... Both used the dame strategy of doing the opposite of their parents 😂. he grew up with parents who were diligent with their money and decided to do the opposite. She grew up with parents who were reckless with money and she decided to do the opposite.
@MaggieAnaya
4 ай бұрын
The sponsorship intermissions are getting way too long. Used to love the show but it’s essentially the same story repackaged a different way. Just saying this can easily be delivered in half the time.
@ramitsethi
4 ай бұрын
Thanks for the feedback. I have no interest in delivering things in half the time. One of the greatest gifts I have is allowing people's stories to unfold naturally. Getting to the root issues takes time and I'm proud to be able to spend it with each couple.
@uchewb3
4 ай бұрын
You can easily skip them. Theres a progress bar for the ads which most other youtubers dont do
@christyhilton1
4 ай бұрын
@@ramitsethi I absolutely love the way you take your time with couples - so generous and gives a very positive vibe to the show. Thank you!
@kaputasri
4 ай бұрын
Just put it on 2x playback speed.Easy peazy.
@MaggieAnaya
4 ай бұрын
@@kaputasri It’s that moment when I have to speed up x2 to get through ads or to get to an interesting part that I realize I’m no longer interested in the content. It was a great show, I’ve recommended it to a lot of people that I felt could benefit from the message, but like I said there’s only so much you can watch a dumpster fire or a car wreck before you realize you have more important things to do than listen to people publicly share intimate and often humiliating decisions that led them to this point under the premise we learn from their mistakes. The show brings value to those who need to hear it, message received. 👍
@novaricos
4 ай бұрын
'nugs' is probably short for 'nuggets', as in gold nuggets.
@lowlowseesee
4 ай бұрын
Nugs is weeeeeed Ramit😂😂😂😂👄😼
@nae4830
4 ай бұрын
Both backgrounds just proves it still doesn’t matter. :/
@coastergirl98
Ай бұрын
Drugs are nice. Drugs, at least weed, helps you forget how much being alive fucking sucks.
@KellyBoettcher-qo9tx
4 ай бұрын
You would tell someone with a chest wound they will be fine. Not freak them out by saying" oh my gosh your gonna die" think about it.
@drewfortenberry7655
4 ай бұрын
I just need to know where to buy those carpet chairs.
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