cover of episode 205. “I've been homeless before…I'm terrified to spend money”

205. “I've been homeless before…I'm terrified to spend money”

2025/4/22
logo of podcast I Will Teach You To Be Rich

I Will Teach You To Be Rich
AI Deep Dive AI Chapters Transcript
People
J
Jennifer
R
Ramit Sethi
S
Steve
以深入的技术见解和长期的内容创作影响力，成为PC硬件和游戏社区中的重要人物。
Topics
Ramit Sethi: 我观察到你们在财务方面存在分歧，这与你们各自的成长经历和对金钱的不同理解有关。Jennifer 渴望追求更多，而 Steve 则因为童年创伤而对金钱感到焦虑和缺乏安全感。解决问题的关键在于理解彼此的感受，建立信任，并共同制定一个财务计划，平衡安全感和享受生活。 首先，你们需要了解彼此的财务状况，并共同制定一个理财计划。这包括设定共同的目标，例如投资和储蓄，以及如何分配家庭开支。 其次，你们需要坦诚沟通，理解彼此对金钱的看法和担忧。Jennifer 需要理解 Steve 的焦虑源于他的童年经历，而 Steve 需要理解 Jennifer 对追求更好生活的渴望。 最后，你们需要学习如何平衡安全感和享受生活。这需要你们共同努力，找到一个适合你们的平衡点。 Jennifer: 我一直努力让 Steve 参与到家庭财务决策中，但我发现我的方法并不奏效。我渴望拥有更好的生活，并与 Steve 一起创造美好的回忆。然而，Steve 因为童年经历而对金钱感到焦虑，这让我感到沮丧。我希望我们能够坦诚沟通，理解彼此的感受，并共同制定一个财务计划，平衡安全感和享受生活。 我意识到我过去的方法过于强势，我需要学习如何更好地与 Steve 沟通，并尊重他的感受。同时，我也需要学习如何更好地管理自己的消费习惯，避免过度消费。 我希望我们能够建立一个健康的财务关系，这将有助于我们建立更强的信任和更紧密的联系。 Steve: 我因为童年经历而对金钱感到焦虑和缺乏安全感。我害怕失去我所拥有的一切，这让我在财务决策上非常谨慎。我意识到我的谨慎有时会阻碍我们共同进步，我需要学习如何更好地与 Jennifer 沟通，并信任她。 我需要克服童年创伤带来的影响，这需要时间和努力。同时，我也需要学习如何更好地管理我的财务，并为未来做好规划。 我希望我们能够建立一个健康的财务关系，这将有助于我们建立更强的信任和更紧密的联系，并一起创造美好的未来。

Deep Dive

Chapters
Jennifer is frustrated with Steve's financial conservatism, fearing it will lead to a bleak future. She uses the example of working at Publix in retirement to illustrate her concerns, but it doesn't resonate with Steve.
  • Jennifer is frustrated by Steve's reluctance to make financial decisions.
  • She fears his inaction will lead to a bleak financial future, symbolized by working at Publix in old age.
  • Steve is perceived as indecisive and overly cautious with money.

Shownotes Transcript

Jennifer (37) and Steve (41) have been dating for over five years, but they’ve never spent more than $100 on a shared purchase.

Jennifer is a self-made business owner with a clear vision for the future, while Steve is cautious, financially conservative, and still haunted by a turbulent past that included losing both parents and living out of his car. Despite a solid income and nearly $200,000 in savings, Steve can’t shake the fear of financial collapse. Jennifer, meanwhile, is growing resentful. She wants a partner who dreams big and makes bold moves with her—not someone who second-guesses a $10 purchase.

Can they confront the past, align on a shared vision for their future, and finally start acting like teammates?

This episode is brought to you by:

ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit) then find and book a top-rated doctor today.

Superhuman | Get a free month of lightning fast email at https://try.sprh.mn/ramitsethi)

Aura Frames | Use promo code RAMIT to get $35 off the best-selling Carver Mat frames at https://auraframes.com)

Fabric by Gerber Life | Join the thousands of parents who trust Fabric to protect their family. Apply today in just minutes at https://meetfabric.com/ramit).

Next Level Wardrobe | Take their free styling quiz and elevate your style at https://nextlevelwardrobe.com/ramit)

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).

Produced by Crate Media).