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Money For Couples

133. "She has $7k in cc debt—just 3 months after I paid it off for her" (Part 1)

Money For Couples

Ramit Sethi

Relationships, Society & Culture, Investing, Business

4.63.1K Ratings

🗓️ 5 December 2023

⏱️ 60 minutes

🧾️ Download transcript

Summary

Becki is 42, Dustin is 36. Becki moved to North Caroline from California two years ago, into Dustin’s house but is feeling disconnected from her family, like the space is still his, not shared. Her troubling credit card history keeps them from getting married and building a future together. This episode is brought to you by: Superhuman | Get a free month of lighting fast email at https://try.sprh.mn/ramitsethi. Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. Babbel | Right now, when you purchase a 3-month Babbel subscription, you’ll get an additional 3 months for FREE. Just go to https://Babbel.com and use promo code RAMIT. Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show Get Money Coaching with Ramit Download the Conscious Spending Plan Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube Submit a question for the newsletter iwt.com/askramit 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.

Transcript

Click on a timestamp to play from that location

0:00.0

Why are you still putting things on your credit cards that we aren't you aren't paying off every month?

0:12.0

I'm not going to bring all of mine to the table to piss it away.

0:17.7

Because that's what's happened for two years.

0:20.3

We've made $180,000 and we have nothing except you live with me in my world that I help facilitate and try to make your life easier.

0:32.0

In a way I feel sometimes like I pay a tax for you living here.

0:38.0

If we're just going to continue down this like road of parallel lives, if we're not going to do this and if we're not

0:45.9

going to become this team and like really attack life and create this like

0:50.8

extraordinary life.

0:58.0

Then I have to rethink why I'm here.

1:07.6

Becky's 42 years old Dustin is 36. They've been together for four years. They're not married and she moved from California to North Carolina into his house. Becky feels like they are not making progress

1:16.8

in their relationship. And of course money is playing a huge role in this. Now before I speak to a couple I review their

1:24.3

applications I look at the notes but I try not to make any judgments because I

1:27.8

want to hear their stories. In this case Becky was the one who filled out the

1:31.5

application.

1:32.6

She mentioned she was frustrated that he hasn't proposed, frustrated that she moved across

1:36.8

the country leaving all her friends and family behind, frustrated that they keep their

1:41.1

money separate, and he never seems to have money to improve

1:44.3

their house even though he has money for other things. Before we dive into this

1:49.2

episode I want to make sure you're signed up to get my 2023 gift guide this Saturday on my newsletter

1:55.4

I'll be sharing the system for giving amazing gifts, how I automatically

1:59.5

save for them, how I find unique gift ideas, and of course, three holiday gifts that I'm excited to give

2:06.4

this year. You can only get it this Saturday, December 9th by making sure you are signed up

...

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