cover of episode 201. “I make $40k… but I own 100+ suits”

201. “I make $40k… but I own 100+ suits”

2025/3/25
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I Will Teach You To Be Rich

AI Deep Dive AI Chapters Transcript
People
A
Antonio
C
Cassandra
D
Devonte
N
Nick
通过创意和专业服务,在节日季节赚取额外收入的专家。
P
Pam
R
Ramit
Topics
Antonio: 我是一名注册护士,年收入6.5万美元。Devonte是一名学生,兼职和经营清洁业务,年收入4万美元。我们最近买了一套房子,面临许多未预料到的额外开支,导致储蓄目标难以实现。Devonte在花钱方面比较大手大脚,喜欢买西装,大概有100件。我们都希望实现财务自由,能够环游世界,并认为买房是迈向财务自由的第一步。我们对财务目标基本一致,但Devonte的消费习惯有时会影响我们的储蓄计划。 Devonte: 我喜欢买西装,因为这能让我在各种活动中留下好印象。我来自低收入家庭,从小没有足够的钱买新衣服,所以现在我有能力买自己喜欢的衣服时,我会尽量让自己看起来更好。我理解Antonio的顾虑,并尝试改变自己的消费习惯,例如减少购买西装的数量,并用卖西装的钱来偿还债务。 Ramit: 年轻夫妇在23岁就开始关注财务规划非常棒。他们应该庆祝自己的进步,而不是只关注不足之处。他们需要制定更具体的财务目标,并调整消费习惯,以实现财务自由的目标。他们应该明确定义财务自由的含义,并制定相应的计划。同时,他们需要在财务方面进行更有效的沟通,并找到平衡点。

Deep Dive

Shownotes Transcript

Today’s episode takes us to New York City, where I sit down with not two, but three couples live on stage at my Money for Couples event.

First, meet Antonio (23) and Devonta (23), a young couple who in their 20s are already ahead of the game—earning money while finishing their degrees, having real conversations about finances, and even purchasing a home together.

Next, we meet Pam (38) and Nic (40), who are struggling with a classic money dynamic: one partner earns significantly more and wants to “rescue” the other from financial stress. But as they discover, money alone can’t solve deeper issues of self-worth and financial confidence.

And finally, for the first time ever on this show, a very special surprise guest joins me on stage. You don’t want to miss this!

This episode is brought to you by:

Leesa | Go to https://leesa.com) for 20% off sitewide PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners.

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Links mentioned in this episode

Order my new book: Money for Couples)

Connect with Ramit

Get Money Coaching with Ramit)

Download the Conscious Spending Plan)

Listen to my book—now on Audible)

Get my New York Times best-selling book)

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).