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Money For Couples

139. “I’m afraid he’ll leave if I don’t stop stressing about the budget” (Part 1)

Money For Couples

Ramit Sethi

Relationships, Society & Culture, Investing, Business

4.63.1K Ratings

🗓️ 16 January 2024

⏱️ 71 minutes

🧾️ Download transcript

Summary

Sandra is 46. Brad is 48. They have four children and are living a high lifestyle as a result of two generational income explosions tied to Brad’s work in the home lending industry. That variance, though, seeded issues in their money psychology—leading to risky investments and trust issues. This episode is brought to you by: Superhuman | Get a free month of lightning fast email at https://try.sprh.mn/ramitsethi. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. AG1 | Take ownership of your health with AG1. Get one year’s supply of Vitamin D3 K2 and five free AG1 travel packs with your first purchase at https://drinkAG1.com/ramit. 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. Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit. 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

For me, I felt like he wasn't doing his job.

0:05.0

Because his job was to earn money.

0:07.0

Yes.

0:08.0

Sometimes I just say, well, I don't know what else to do.

0:12.0

Like I'm working as hard as I can. I guess that we're just going to be in the red.

0:15.6

I can't do anything about it. I guess we're just going to be broke.

0:18.8

That's where my empathy ends. I get very frustrated with that same conversation over and over and over again.

0:27.0

Whether we've got a lot of money in the bank account or whether we've got very little money in the bank account,

0:31.0

I feel like we're playing a very, very opposite game.

0:35.0

On paper, we're not broke, but it just feels like we are.

0:39.0

I've supported the family for the last 25 years. And then she reminds me about that one year where we had to sign up for

0:47.3

discounted school lunches. And yeah, it can be pretty nasty. Because like I can never hit the number.

0:55.0

And I feel like we try really, really hard.

0:58.0

I just don't think it's even possible.

1:00.0

Meet Sandra and Brad and Brad.

1:05.0

Sandra's 46, Brad is 48.

1:08.0

They have four children and they are living a pretty high lifestyle.

1:12.9

Private school, ballet, sports camps,

1:15.3

they have a bedroom set that costs $25,000.

1:18.6

In the past, they have had a very high income, but things have changed.

1:24.7

When their income went down,

1:27.1

they started to get a lot more stressed out about money.

...

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