cover of episode 208. “We make $157K at 22, but we’re afraid to spend money”

208. “We make $157K at 22, but we’re afraid to spend money”

2025/5/13
logo of podcast I Will Teach You To Be Rich

I Will Teach You To Be Rich

AI Deep Dive Transcript
People
J
Javi
M
Marco
技术播客主持人和苹果产品专家
R
Ramit
Topics
Javi: 我认为我们应该公平地分摊租金,给你更多的喘息空间,这样可以帮助我们平衡一些成本。但我不想让你陷入糟糕的财务状况,让你支付更多,或者即使你想支付更多,我也不想因为我们支付更多而让你感到压力。我希望我们能为我们想要实现的未来目标储蓄和投资,我不想让你因为支付你不应该支付的费用而让你无法实现这些目标。 Marco: 我们的收入差距太大了,我觉得我贡献得不够多,你会支付非常多。我太骄傲了,无法接受这一点,让这种情况发生。在金钱方面,我总是问问题,而不是说我认为应该怎么做,因为我对金钱的知识不够自信,我不想在一个我觉得我不应该做主的空间里做出决定。我总是想着把钱存起来,弥补我过去没有储蓄的时光。

Deep Dive

Shownotes Transcript

Javier (22) and Marco (22) are young, ambitious, and financially disciplined—but the future they dream about together is being challenged by how they handle money today.

They earn a combined income of $157,000, already have more than $60k invested, and live in New York City with shockingly low fixed costs. But despite their impressive financial habits, they’re stuck in a cycle of miscommunication. Javier wants to be cautious now to make big moves later, while Marco wants to split everything 50/50, even if it slows down their long-term progress.

With their income gap and no shared plan for spending, saving, or investing, can they plan for a wedding and build their future together?

This episode is brought to you by:

Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit)

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT)

Facet | Facet is waiving their $250 enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to https://facet.com/ramit) to learn more about which membership option is best for you.

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).

Upwork | Visit https://Upwork.com) to post your job for free and connect with top talent ready to help your business grow.

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.