cover of episode 193. “I’ve filed for bankruptcy twice. Will I ever stop spending?” (Part 1)

193. “I’ve filed for bankruptcy twice. Will I ever stop spending?” (Part 1)

2025/1/28
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I Will Teach You To Be Rich
AI Deep Dive AI Chapters Transcript
People
J
James
领导Root Financial从小规模公司发展成为全国性公司，专注于目的驱动的财务规划。
L
LaKiesha
R
Ramit
Topics
LaKiesha: 我过去过度消费，没有为未来打算，现在非常后悔。我欠了很多债，甚至申请过破产。我的童年经历和母亲的理财方式影响了我对金钱的看法，让我觉得钱是可支配的，没有必要为未来做打算。我缺乏责任感，没有为未来做好规划，也没有人监督我。现在我意识到问题的严重性，并希望改变。 我曾经因为在亚马逊上购买太多东西而感到尴尬，也曾经因为冲动消费而后悔。我购买物品是为了获得满足感和成就感，即使有些东西我并不需要。我试图与过去的经历脱节，但仍然感到不安，因为我意识到我的童年经历影响了我现在的理财方式，并且可能还有其他我没有意识到的影响。 我母亲是一个赌博成瘾者，她曾经因为经济犯罪入狱，这对我产生了很大的影响。我曾经因为母亲从我的账户中取钱去蒂芙尼买生日礼物而感到非常愤怒和失望，这让我无法信任她。 现在，我意识到我需要改变，我需要为自己的未来负责，我需要有人监督我，帮助我克服过度消费的习惯。 James: 我过去的理财方式是努力工作，勉强维持生计，这源于我父亲的教导。我父亲教导我努力工作，但没有教我如何理财和储蓄。我害怕做决定，害怕储蓄和投资，这导致我积累了大量的债务。 我经常阻止LaKiesha的冲动消费，但我的方式可能并不正确。我意识到自己应该改变与LaKiesha沟通的方式，不应该像父亲一样对她进行说教。 我童年时期的财务经历，以及我父亲的理财方式，都影响了我现在的理财观念。我父亲在中年时职业转型，导致家庭经济状况下降，这让我更加重视财务安全。 现在，我意识到我需要改变，我需要与LaKiesha一起制定财务计划，共同努力改善我们的财务状况。 Ramit: LaKiesha和James的财务困境源于他们各自的童年经历和理财观念。LaKiesha的过度消费与她童年与母亲一起购物的经历有关，而James的财务保守则源于他父亲的教导。他们需要意识到过去经历对他们现在行为的影响，并学习如何更好地管理财务。 LaKiesha需要克服“我能逃脱吗”的思维模式，并为自己的未来负责。James需要学习如何更好地与LaKiesha沟通，并帮助她克服过度消费的习惯。他们需要共同制定财务计划，并为未来的生活做好打算。 通过分析他们的财务状况和童年经历，我们可以帮助他们找到问题的根源，并制定相应的解决方案。他们需要学习如何储蓄、投资，并建立健康的理财观念。

Deep Dive

Chapters
LaKiesha (38) and James (45) are struggling with overspending, accumulating significant debt that even led LaKiesha to file for bankruptcy. They are trying to build a future together but have vastly different financial values. Ramit will help them create a shared financial vision and overcome their challenges.
  • LaKiesha filed for bankruptcy twice.
  • They have a combined debt of $190,000.
  • James's fixed costs are 67%, while LaKiesha's are 69%.
  • They have zero savings and zero investments.
  • They spend $450 monthly on cigars and alcohol.

Shownotes Transcript

Despite their best intentions, LaKiesha (38) and James (45) have fallen into a cycle of overspending—convincing themselves that wants are needs and that enjoying money now outweighs planning for the future. Their lack of financial foresight has left them without a safety net, and the weight of their debts has even led LaKiesha to file for bankruptcy.

Recently, they moved in together; but with that fresh start comes the baggage of their complicated financial pasts. Trust has been tested, and they’re being forced to confront their differences in financial values and upbringing. Can they break free from the habits that have kept them stuck?

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Links mentioned in this episode

• Get my new book: Money for Couples)

Connect with Ramit

• Download the Conscious Spending Plan)

• Listen to my book—now on Audible)

• Get my no-numbers journal)

• Other episodes)

• Instagram)

• Twitter)

• YouTube)

If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here).

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