cover of episode 192. “We spend 98% of what we make—Where is it all going?”

192. “We spend 98% of what we make—Where is it all going?”

2025/1/21
logo of podcast I Will Teach You To Be Rich

I Will Teach You To Be Rich
AI Deep Dive AI Chapters Transcript
People
D
Deepika
J
Justin
No specific information available about Justin.
R
Ramit Sethi
Topics
Justin: 我过去只关注眼前，没有长远规划，副业发展缓慢，与家人合伙经营的录音棚生意也因为缺乏明确的财务目标和分工而进展不顺。我的收入大部分用于家庭开支，对财务问题缺乏主动性，习惯于通过加班来解决财务问题。 Deepika: 我对财务问题很焦虑，一直努力追踪开支，但找不到钱花在哪儿，导致我们陷入循环负债。我更关注未来，希望买房，为儿子存钱，但Justin对财务缺乏规划，导致我们缺乏共同的财务愿景。 Ramit Sethi: Justin和Deepika的财务状况与他们的高收入水平不符，主要问题在于缺乏明确的财务目标和计划，以及不健康的消费习惯和财务沟通。他们需要制定一个清晰的财务计划，包括明确的储蓄、投资和债务偿还计划，并改善沟通，共同做出财务决策。

Deep Dive

Chapters
Despite high incomes, Justin (40) and Deepika (32) feel trapped in a cycle of credit card debt and struggle to identify their overspending. Deepika dreams of homeownership, but their lack of a shared financial vision hinders their progress. The episode explores their money psychology and challenges them to change their habits.
  • High income but living paycheck to paycheck
  • Credit card debt cycle
  • Lack of shared financial vision
  • Struggle with money psychology

Shownotes Transcript

Justin (40) and Deepika (32) are stuck in a frustrating financial loop: despite their high income, they feel like they’re living paycheck to paycheck. Deepika dreams of buying a house someday, but the couple can’t seem to identify where their money is going—or how to escape the cycle of credit card debt. Justin has a side hustle that he’s eager to grow, but he’s struggling to get the same level of commitment from his business partners. For years, they’ve been focused on survival, not dreaming about the future. Now, they’re realizing that their lack of a shared vision for their finances is keeping them from the life they want. Can Justin and Deepika kick their old habits, create a better strategy for managing their money, and finally start living their Rich Life?

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• Order my new book: Money for Couples)

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