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Today's question comes from Jackie in Utah. Buckle up, John. My husband and I are 47 years old,

and we're both impulsive spenders. Hey, yo. I recently came across your podcast. Hold on. Can we start

right there? Yeah. That's some self-awareness. I respect that.

Okay.

James, I know we got to go through this question, but I just got to start right here.

We'll get there eventually.

We are both impulsive spenders.

This is not a diagnostic label.

Like, we are both 5 foot 8, right? Just a fact fact so we can't reach high things on our cabinets that would be a logical sentence we are both impulsive spenders is not an

empirical fact the way this is laid out this is actually my husband I are 47 years old and we both act like children.

There it is. We choose to be emotionally immature with our spending habits. And I haven't read the

rest of this. I'm just so sick of the way we have taken adjectives and nouns and created them

as identity verbs. Like we've've created them i'm an impulsive

spender what can you do what can you do no you're an impulsive child all right i will not interrupt

again unless i have to go ahead thank you for that john that was a very helpful redefinition

here we go i recently came across your podcast and we're both fired up about getting

out of debt. I'm having some real fear and doubt about myself and whether if I'll be able to change

my habits and control my spending. Growing up, my family didn't have very much money. So I have

always had a scarcity mindset and I know that's where my impulse spending comes from. My husband isn't as much of a

spender as I am. He came from a financially stable home, but they never followed a budget. The person

I don't trust to be able to make these financial changes is myself. I've tried to change in the

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