“I stress over money—but we’re seeing Taylor Swift in France tomorrow”

00:00 Download the Conscious Spending Plan so you can use your money GUILT-FREE: iwt.com/csp-youtube Please remember: These are real people who had the courage to come on my podcast and ask for help. Would you be willing to come on this podcast and share every detail of your financial life? Feel free to leave comments based on what you think, but remember that we are here to help in a supportive way, not to demean and criticize.

To the angel, absolute angel, sound engineer. The voices in this are crystal clear, soft, & pleasant. Please never stop engineering sound.

This episode hit home for me. Just left a 3 year relationship with a guy who left a stable job to be self-employed. After 2.5 years he was broke and spent his time writing blogs instead of actively seeking new clients. I was losing respect for him due to his lack of proactiveness and poor decision making. I didn’t want to end up supporting 2 people. Seeing this couple, I’m so glad we didn’t get married. There would have been so much resentment.

Ramit's facial expressions while he politely hints that Steve is basically a toddler . . .. priceless.

Parents, let your children struggle! Allow them to fail. This is what happens to kids who never failed. Failure is where learning happens and where the muscle to pull ourselves up comes from.j

What I see in Steve is what a friend describes as "weaponized helplessness".

Word of advice: Having a large property with a food garden is incompatible with travel during the growing season, unless you know someone who can care for it while you're away.

I lived this life for 15 years until I had to walk away even though I "loved" him. My counselor gave me some of the best advise... "Sometimes you have to love people from a distance because if not they will destroy you mentally and financially." Here is the nuts and bolts of it. She either loves him enough to be okay with him not working and helping and let it go or loves herself enough to walk away and do better for herself. I had rather struggle alone than struggle with the weight of two people.

It sounds like Steve is living his rich life already while Taylor is not living her rich life. That is why he hasn't changed.

Speaking from experience, please get yourself counseling Taylor to find your way. You are better than this, what is your rich life? he is holding you back besides going on fun trips. I married a med school classmate that ended up flunking out after his mom died. I gave him ample time to recover but he never got a job again, paid for his med school loans had two kids with him and he chose to be a stay at home dad except he wasn't taking care of the house we bought, never mowed the lawn, and wasnt really a good stay at home dad either. His choice was to take "legal" recreational drugs no doubt because he was depressed but after 3.5 years of marriage and almost 9 years together. I called it quits 3 months after my 2nd child was born and filed for divorce. Please don't be me and expect them to rise to the occasion with even more responsibility because he is not even cutting it now before a house and kids. Sorry Steven you need to be a drifter and let her go.

Steve is comfortable. There’s a few things here: he’s clinically depressed but so are many people and they still have to make a living. Additionally, he’s been living a life of luxury and the idea of him going to work a 50k job hurts his ego. The last thing is she’s his safety, she’s his mother. She’s taking care of him. No incentive to get a job.

Oh my gosh Taylor is so inspirational to me! From details of her subway rides with the calculator "every day" thinking she would never go from $40k to over $100k, to recalling the process of trying to get a better job and starting her practice, building her confidence, to saying she's proud of herself -- I was so grateful to watch this episode! After their house discussion (47:14) I did not think she sounded like a mom, but like an ADULT -- planning, taking responsibility, thinking things out realistically, doing the difficult work to GROW. It takes time to change, and her follow-up showed her same adult work ethic and commitment to doing the work needed to get where they want to go. Bravo Taylor. Keep going for your rich life!

This man said mushrooms 😭😭😭 this is going to be a ride.

I try not to buy much but Ramit is out here inadvertently selling me high quality sweaters.

What I've seen in 53 years: When children have never been given a chance to fail, will ultimately fail at something in adulthood and be pretty devastated by it. It seems that Steve's catalyst of failure was his job reducing his pay by 60% and he's still licking his wounds. The one event kinda crushed him and crushed his motivation for further challenges. He's lost his trust in himself, he even said this. Hopefully the couple can work thru their issues. Thank you, Ramit for another great session.

Watching the couple do the CSP behind the scenes was a nice perspective. You can see that the conversation they have in private is more honest, less civil, and slightly disrespectful than when Ramit is present.

This man shows a LOT of signs of clinical depression. My guy, if you are reading this, please consider seeking some help to explore that possibility. Even if it isn’t the case, you will be showing yourself some big self-love by taking that step. Spoken from experience; just give it a try and see what happens. Wishing the best for you both.

I pray God keeps this kind of love far far away from me. A whole marriage and you’re still functioning as individuals. You can’t change him girl…

This is not a money problem. This is a relationship problem. I don’t understand why either of them wants to be married to the other.

Steve did NOTHING except talking about concepts. Nothing in his follow up has a CONCRETE sense to it. He needs to take ACTION! " i want" "i want" "i want"....