I think it's really upset because he wants me to be more positive and he wants to be

able to do things with his money and sorry it makes me feel bad it's okay it makes me feel

bad that I can't like give him those things I can see it in her face I can see her calculating

before we even look at like hotel prices or like like no prices at all I can see or

already come to the conclusion that we can't afford it I think it's really frustrating

I want to be free like I feel like I have this chain around me and I can't live my life

because if I buy something nice or I do something for our apartment I just have this

voice in the back of my head like why are you buying this why aren't you paying off your debt

we talk a little bit on surface level about money but I don't think we've ever really talked

like this and so it's kind of the first time I'm hearing it welcome to I will teach you to be rich

I'm Ramit Saiti and my guests today are Shina and Peter who are both climbing their way out of

substantial debt for today's episode I'm gonna focus on Shina's debt because it's causing both

of them a lot of stress Shina has already paid off tens of thousands of dollars and she also knows

exactly when the rest will be paid off but she just can't seem to stop feeling bad about money

she thinks about it all the time when she's at the grocery store when she's eating out

and also when she and Peter are talking about their future together now within minutes

I knew there was something a lot deeper than the debt itself remember this is almost never a

math problem let's start with her family and as we go along listen for the clues

we never really talked about money looking back now as an adult I see that there was a lot of

bad credit card usage my mom she actually just told me that she cut out of her credit cards

yesterday I know like when I would help my grandmother pay her bills I know she had a large amount

of debts on her credit cards and she would only pay the minimum but I remember thinking like

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