109. Where Are They Now? Netflix Reunion with Donnell and Monique
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Before we start today's show, I have a really exciting announcement that I've been wanting to share for a long time. On January 1st, 2025, I'm releasing a new book called Money for Couples. For the last three years, you've heard me on this podcast speaking to different couples every single Tuesday. I've spoken to over 170 couples on this show about their money psychology, the money messages they heard from their family, the peculiar dynamics that they have around money and where they get stuck.

and how they can get on the same page. Well, behind the scenes, I've been working on the definitive book to help couples get on the same page with money, and that's what I wrote for you. It's coming out January 1st, and in the book, I'm going to share how to talk about money, including the exact words to use, when to talk about it, how to teach your kids about money, even the exact agenda and account setup that my wife and I use in our finances.

I'm going to show the tactics to make instant improvements, like how to set up your accounts to automatically work together and how to assess your financial health.

And finally, you're going to get a deeper understanding of money psychology in your relationship. And you're going to discover why you and your partner see money differently and how to get on the same page. Now, it's one thing to listen to couples or watch couples every single week. I love doing that for you. But it's a whole different thing to be able to have the book and to be able to work through it with your partner. Okay?

I'm so excited to get this book in your hands. You can pre-order it using the link IWT.com slash money for couples and stay tuned for a lot more on this book this year. Again, go to IWT.com slash money for couples to pre-order my new book about getting on the same financial page as your partner. You know, money doesn't have to be boring. I get a lot of questions of people who have set up their accounts who have money being saved and they're like,

What now? What's next? How am I supposed to design my rich life? That is why I created the journal. The journal is something you can do either on your own or with a partner. Imagine yourself 15 minutes in the morning. You have a

cup of steaming tea, and you're sitting down following the prompts that help you envision what your rich life is. What's your perfect week? What's your perfect month, year? This journal is designed as a no numbers journal. It's not technical, but it's going to help you understand what you truly value and also what you don't care about.

I recommend you pick up a copy of this journal. You can do it solo or with a partner and it will help you design your rich life. Get it at any bookstore now.

What surprised you about the experience? That y'all actually was all in our business. Telling you guys out there in America who's listening to this man's podcast, it was to the point where like me and Monique wanted to throw hands. Like it was crazy, you know, like crazy. What do you mean it ain't all of my account information? Well, they gonna get what I give them because that's not none of their business. Ha ha ha.

Oh gosh, I was so difficult behind the scenes. I ignored everybody. I didn't like you. I didn't like production. I told them if I didn't have... No, I think I blocked production at one point. I wasn't ready to give up on you. I don't care if you're trying to ignore me. I know these are uncomfortable conversations. I know you two specialize in ignoring this. That's how you got into all this debt. But I wasn't going to let you walk away. You...

Are you pushing me to talk about this microwave? Is that what this is? The fans want to know. Welcome back to a special episode where I get to catch up with the guests from my Netflix show, How to Get Rich. Spoiler alert, if you haven't already watched all eight episodes, go do that now because we're going to share everything today, including behind the scenes items that never came out during the show.

Today we get to catch up with Monique and Donnell. You might remember them because he was spending $600 a month on video games. They had $200,000 of student loan debt that they were ignoring and they wanted to buy a house. You're going to get to hear what has changed a year later after filming. So let's get into it right now with Monique and Donnell. I just want to know, just starting from the beginning, what has changed since we last saw each other?

Let's go Donnell first and then Monique. We still had some struggles, you know, because we went right in real heavy to pay off some debt and close some accounts.

We were just kind of hurt because we put a lot of money into closing stuff down and getting out of debt where we didn't have anything to kind of back us up. So I started a side hustle. And luckily with the tools that you gave us and the additional money that came in from that, we paid off all of our credit card debt.

Whoa. So you paid off $20,000 of credit card debt? Yeah. Damn. I'll take the win on that. That's amazing. Basically, all our debt is good except for student loans. So combined, we have about close to $85,000 left in student loan debt combined with the two of us. His side hustle has really been helping us out a lot. We've had big chunks of money. How much are you making on the side hustle, Donnell?

Last year, I made $200,000 alone. What? What is a side hustle? I'm a finder. Basically, I knew you was going to ask that. Isn't that a show? Everybody asks that. What is a finder? No, no. Only show we've been on is yours. Oh, wait. First off, congratulations. Thank you. Much success. You've been helping a lot of people. Thank you very much.

But basically, all I do is for PA, Jersey and Delaware, whatever money is in the treasury, hold the people. I find the people, connect them with the money and I charge a fee. What fee? And I wrote it. What's the fee? 10%.

And it's called a finder? Yeah, either a finder, an asset locator, whatever you want to call it. Yeah, yeah, yeah. I took a note from your book and I wrote an e-book to help people do it because it was so successful with itself. Again, everything that came from your show, it took us to really...

branch out and figure out how to make this work. Wow. Okay, so you made, did you say $200,000 in the last year? Yeah, yeah. And I have literally from January to now, I have about $260,000 coming to me. So I already made what I made last year less in about six months. Who's paying for dinner next time we see each other? So...

Can you remind me, when we were talking, how much student loan debt did both of you have? 10,000.

No, student loan debt. Student loan. That was a joke. All right. Because I'm like, I wish. Wasn't it like 200? Yeah. Yeah. I think. Yeah. A little bit less. Because I think I had maybe 85, 90, something like that on my own. And I had 72. Okay. So the two of those combined. All right. And now...

How much is it? It's about $85,000 combined. So you've paid off $70,000 or so in the last year? Mm-hmm. Plus $20,000 from your credit card? Yeah. Yeah. We could just be holding that money, but we did the right thing and then paid it off. Is this for real? Yeah. No. This is amazing. Yeah. Yeah. Am I the only one smiling on this? Wait, this is my smile, by the way. A lot of people are like, Ramit doesn't smile. I'm like, this is my smile. What? This is crazy.

This is amazing. I'm so proud of both of you. Thank you. I appreciate it. Appreciate it. I'm speechless. This is almost hard to believe, but it's quite amazing. They went from arguing over an old storage unit to paying off tens of thousands of dollars in debt and increasing their income. Amazing.

You know how many people's conscious spending plans I see every week? What's fascinating is the categories of spending, especially the ones where people spend way more than they think they do. For example, subscriptions. Let's take a look at some recent numbers on how much people spend on subscriptions. $100 a month on subscriptions. $205 a month. That's from someone spending 76% of their take home each month on fixed costs.

costs, $211 a month, $147 a month, and $487 a month. This is literally thousands of dollars a year, and most of us have forgotten about all the subscriptions we are actually paying for.

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My team and I create tons of material every single day. Scripts, voiceovers, emails, all kinds of material that we need to be good and we need it to happen fast. And one of the things we use is Grammarly, especially their new AI tool. For example, every Saturday, we send out my podcast newsletter. I break down an anonymous person's conscious spending plan. And I like going really deep to break down the numbers and show you things you might have missed in your own finances.

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Save time with one click and go from editing drafts in hours to seconds. Get AI writing support that works where you work. Sign up and download for free at grammarly.com slash podcast. That's G-R-A-M-M-A-R-L-Y dot com slash podcast. Easier said, done. Monique, I'm so curious, what has changed since we last saw each other?

that much she's still in the space look at that I see that that's amazing tell me

Honestly, being in this space, I think for me, I mean, the money stuff was nice. It was just the whole point of the show, but it was nice. But honestly, being introduced to this space has opened up a lot of doors to help my business. While being here, I was able to be in their artisan cohort program. You know, I think it's like a six week program that helped with that.

building your business. We got to do art shows. I've been able to be a part of vending events and now I get to throw my own vending event. So. Wow.

That's amazing. Do you remember that conversation we had? We were walking around there and I remember we took the full tour. It was pretty cool. We chatted with a couple of people and then we were standing outside and I think you mentioned something like, I'm not sure I belong here. Do you remember that conversation? Yeah. Yeah. I remember. What do you remember about it? The imposter syndrome part. And honestly...

I think I don't remember what month I joined in. I think it was like March. I didn't come in until maybe May. And I didn't even come in doing my own work. Somebody here was offering part-time work. So I was like, I'm going to use this as an opportunity to make myself comfortable being here. So it was just a way of me getting out of my way and saying, you know, just watch the people and, you know,

Now, I mean, everybody's awesome. Like there is, everybody's asking everybody, how can you do this? And everybody's open to be helpful. I love it. It's my favorite place to come. I still remember that vividly. It's one of my favorite parts of the entire experience doing this show. I remember we walked together and then you walk in a little bit on your own and I was just watching. And I remember that imposter syndrome conversation. And I remember vividly saying you belong here.

And so to see you a year later with that background, being there, watching you on Instagram, I'm so happy for you and for you as an artist and an entrepreneur. I think it's amazing. Well, I truly appreciate you for it because this was a step that I probably would have kept looking at and thinking about it and then

And then a year later, looking at it again and then thinking about it again, I think it forced me to jump and just, you know, not worry about the what ifs. All right. Beautiful. Monique, I want to know about your finances. What's going on? We heard from Donnell. What about for you? Here and there. Like, it's still good. I have my good months. Like now I'm starting to ramp up during the summer. It's busier because of all the events that are happening, like weddings and stuff.

Graduations. What's the range that you make per month? Regularly, I make maybe between like $35,000 to $4,000 a month. $4,000? Yeah. Okay. And then like on good months, it's where it's like the $8,000. Whoa. So that's pretty cool. You've had more $8,000 months since we talked. Yes. Amazing. Together as a household, you start making this money. How did you decide what to do with it?

Honestly, we really just looked at the initial conscious spending plan that you gave us, that we did, talking about homework. Because you definitely gave us a lot of homework. That's right. We really just really took a stab at it and went over our credit report and looked at what we can pay down first, initially, when we had the conversation in the restaurant. So we started with the small bills and then worked our way up. It's a huge relief.

you know, off of our shoulders to be able to walk into a store or go online to Amazon and, you know, purchase what I want without fear of Monique. Darnell White.

Why are you opening up the door on Amazon? You know I got to ask. I'll just say... How much did you spend on video games in the last 30 days? Tell me. Tell the truth. Oh, no. Truthfully, I've only been getting free games. So no in-app purchases. Yeah. Seriously? You used to spend $600 a month. I remember. I saw that scene. It's hard, man. You saw it too. I know you saw that. Wait, so you spend...

Nothing on video games? Eh, nothing on video games. You're not going to say nothing on video games. No, no. In the past months. Yeah, tell me, Monique. You've said nothing. But no, I'm really good. Like, he's been, honestly, he's been so caught up in working and doing a whole bunch of stuff that he doesn't really have time to sit around and do as much. So there's less purchases. It's been really important to try and stay on track. It is hard. It's really, really hard. What's the hardest part of it?

knowing that I can do it now, you know, but going like scaling back and making sure that things are in order because now Dilley is in college and we got to pay for that. Wow. Congrats. Okay. All right. How much is that costing per year? What? 19,000? Yeah. Yeah. Yeah.

Are you paying in full? Yeah. Yeah, we don't want her to be stuck with the loans like they were. This is frustrating. Monique and Donnell have decided to pay $19,000 a year, a huge amount, which follows the invisible script in America that you should pay for your kid's college. Maybe, maybe not.

But what really interests me is how much discussion did they have about all the issues around this $80,000 decision? Did they talk about the cost of college? Did they talk about their options, including scholarships, financial aid, work-study, internships?

This single decision is one of the biggest financial decisions they will ever make. But as with many of us, we spend more time looking for the newest restaurant or watching random TV shows than to really dialing in on these six-figure life decisions. One of the worst feelings in life is feeling stuck.

You hear it sometimes with podcast couples here. They feel stuck around their money. I felt stuck in my business. I had made a bunch of decisions years ago and I woke up feeling trapped. So after thinking about it, feeling stuck, not sure what to do, I went to a CEO council that I'm a part of and I just laid it out. And after listening to me, they were like, oh, it's so obvious. You need to change this, move this person over here, change this resource allocation. Boom.

I wish I had done it years earlier. If you feel stuck in your career and you also wish you had a group of peers who could help you get unstuck,

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and join thousands of top senior leaders from companies like Microsoft, Amazon, and Meta who have taken the first step towards accelerating their careers. That's sidebar.com, S-I-D-E-B-A-R.com slash R-A-M-I-T. When I was in my early 20s, I was not into clothes. I wore free t-shirts from tech companies, and I really did not want to seem like I tried too hard.

But I started to realize that clothing is the first thing people see about you. They don't see how nice I am or how much I know about personal finance. They see what I'm wearing. And like it or not, that shapes a lot of how people perceive you.

Now, I take a lot of pride in the clothes I wear. And I love knowing that when I buy something, I'm going to keep it for years and I know that the people who made it were paid well. I actually hired my wife, who runs Next Level Wardrobe, a luxury personal styling company, to style me for my Netflix show and all of my events, including what I wear day to day for more casual outfits.

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Elevate your style using Next Level Wardrobe at nextlevelwardrobe.com slash Ramit. That's nextlevelwardrobe.com slash Ramit. My theme for you was decisive. I wanted both of you to become more decisive. You remember me getting a little frustrated sometimes hearing the spinning and the, what do you remember about your indecision? Can you think of any examples?

It was the whole show. The whole entire thing. But again, we'll go to the storage unit. It was definitely that. Okay, tell me about the storage unit.

What's up with it? Can I clarify for folks? So I wasn't holding on to used baby clothes. You better tell the world right now because there's a lot of people on TikTok, on Instagram. Tell us your message, Donnell. So I was a reseller. I was trying to make a couple of dollars and it was all brand new stuff. It looked like it was trashy in there. How I took the...

the camera view or whatever, but it was all brand new stuff. But anyway, you took that camera, by the way, you took that footage yourself. I just want to emphasize it wasn't some producer. You took your own footage and then people like, is that guy, are those used diapers in there? What's going on in there? That's why I look so bad. Cause I did it myself. We have a camera person, but you, you did the calculations on how much I was spending per year.

based off of what I was making, which was zero. You know, I was just holding that stuff. And, you know, the decisiveness and wanting to get rid of it because, you know, we went back and forth. A lot of people don't know, you know, when the cameras weren't there, like,

Rami was rough and we gave him a hard time, folks. Like a really, really hard time. I was like, you guys were so, you made the decisions right away. I was like, they made us look good. Right. Okay. So tell everybody, because I think they should know. Let's tell them. Oh no, we fought back on the bag. I fought back the...

From the day when I bought back, like, what did you say? Tell everyone. I'm not returning it. This is my bag. I bought something nice for myself. You're not going to make me return it. You did push back a little bit. Fair enough. And I actually didn't know if you took the bag back or not. I did. Because I wasn't there. I took it back and I paid a bill with it. Okay, nice. How'd that feel? Get off of credit cards.

No, it felt awful. Because I knew that at the moment, you know, it was a nice bag and I do like bags, but eventually it would have just been collecting dust because I honestly had just gotten a couple new bags as gifts. So it wasn't... Production? Do we know this? No, this is what we're talking about. The secrets come out. But,

I know that once everything is situated and life is where it needs to be, buying a bag should just be, oh, I'm going to get this bag. That's right. That's exactly right. You know, there's always a... Your tomorrow is going to be bigger than your today. Donnell, share some examples of how you pushed back when it came to my advice. Oh, man. Shoot. What? Again...

Are you pushing me to talk about this microwave? Is that what this is? The fans want to know. That was a big conversation with the fans. It was a big conversation outside of the cameras. It was a big conversation. Tell us about the microwave, Donnell. Um...

So, yeah, I purchased a microwave for like $17. Brand new microwave. It's an expensive microwave. And I wasn't just going to give it up. Like, I wasn't, you know. And, you know, it was, we went back and forth. A lot of, again, folks just don't know. Like, at the restaurant that day, like, we were going to walk out on Robbie. Like, we were going to leave him there. We were not going to finish the show. We were pissed.

But I mean, sometimes the truth stings, you know, and you got to kind of

accepted and look at it from someone else's perspective. Even though you may be in your own little bubble, but in order to really, really progress, you got to be able to take advice from someone that has been able to do it or that can at least show you how to do it. So that was hard. But we gave the microwave to our daughter at her dorm. So it went to use. So her roommate

And we got dropped down the storage unit. So now we're using, instead of a 10 by 30, we're in a 5 by 15. And it's only to hold Monique's wood. So when she does projects and things like that. How much does it cost per month?

$98. And who pays? Where does the money come from? Oh, Monique pays. I love this. That's a great answer. It's a business expense, which tells me you've got your accounts better structured. Monique is stepping up saying, yes, that is awesome. What a great answer. Round of applause. That's amazing. Okay. Lots of insights and clues here. And most of them are positive.

First, that last answer really made me happy when Monique said that she pays for the storage unit out of her business. That simple answer actually tells me that they have done a ton of work into restructuring their finances. I also love that they're open about how difficult of a time they gave me and the production team on the show. They say that they almost quit. Personally, I was never going to give up on them.

And I don't mind if people push back on some of the things that I suggest because it means they're engaged and it shows that change is hard. The opposite of pushing back is to simply disengage, to just give up, to say, I'm not into this and to vanish. That's the worst of all. It means people are not willing to change.

So I have to say, this is why I love being able to do these behind the scenes episodes from the Netflix show, because we film a ton. We have to cut a lot, but I want you to know some of the things that happened behind the scenes that you never saw. Now, I will say one thing that I've noticed on this call, which is that Donnell is what I call a believer. That's a person who believes that success is just around the corner.

And, you know, they'll often talk about the next big deal or the lottery ticket that they bought. You can tell this because he admits he used to be a reseller. Now he has this finder job and believers find it really difficult to follow long term plans because they're not as exciting as the dream of a huge cash infusion. OK, those are the lessons overall. Very positive.

A few years ago, I was at a tea tasting in New York with one of my buddies. I thought it was going to be a normal tea tasting. Suddenly, six people from Japan come in. They pour basically three thimblefuls of tea and we taste it. I've never tasted anything like that. And they tell us if we were to buy that, just the three thimblefuls, it would be $75.

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For a limited time, get up to 15% off and a free quiver with 12 tea samples with my link, peaklife.com slash Ramit. That's P-I-Q-U-E-L-I-F-E dot com slash Ramit, R-A-M-I-T. I was watching this masterclass with director Ron Howard, and he was talking about how he has a checklist for his movies. He's asking himself, are the characters interesting? Are they reactive or proactive? Is it a page turner?

And the funny thing is, we do something similar for this very show. This podcast, we have our own checklist. Do we have great guests? Is there a great story? Does it have a beginning, middle, and the end with stakes?

And if you think about it, we are learning a lot from people like Ron Howard. Imagine if you could apply the lessons from the world's greatest instructors, Ron Howard, the creator of French laundry, Chris Voss, negotiation, and you could apply it to your own life. How much would it cost? Probably cost thousands of dollars just to take a one-on-one class if you could even get it.

but with a Masterclass Annual Membership, it's $10 a month. You get unlimited access to one-on-one classes with over 180 Masterclass instructors, like how to negotiate a raise with Chris Voss or how to manage your relationships with Esther Perel.

You also, of course, get Thomas Keller from the famous French Laundry. And this holiday season, if you give one annual membership, you will get one free at masterclass.com slash Ramit. Right now, you can get two memberships for the price of one at masterclass.com slash Ramit. Masterclass.com slash Ramit. Offer terms apply. What surprised you about the experience? That show actually was all in our business. Like...

Again, pushback. What do you mean needing all of my account information? Well, they're going to get what I give them because that's not none of their business. I was so difficult behind the scenes. But yeah, just I mean, I didn't think that you were actually going to come in and like really look over things and, you know.

go through it, nitpick and all of that. And you did. Every account was looked at and highlighted and talked about. So yeah, that surprised me. I think it was hard. I think...

I think that a lot of, I got a lot of things out of it because I have like social anxiety and regular just generalized anxiety. And I think just like the pressure of the show, I ignored everybody. I didn't like you. I didn't like production. I told them if I didn't have, no, I think I blocked production at one point. But I think that putting myself in this position made me stronger because I survived it, you know? I wasn't ready to give up on you.

I don't care if you're trying to ignore me. I know these are uncomfortable conversations. I know you two specialize in ignoring this. That's how you got into all this debt, but I wasn't going to let you walk away. Never. And so one of the comments I saw a lot on social was people were surprised how invested I got. But I said, how could I not be? We sat down, we ate together. I was in your house.

We walked NextFab together. We got to know each other over a long period of time. How could I not be invested? And when we spent so much time talking about a microwave, and then I kind of got mad at that Philly cheesesteak place. And I was like, how are we still talking about this when we have $200,000 of debt? How can we be focused on this tiny thing when your rich life is so much bigger?

all of the anxiety and the fighting and everything, you know, we hugged it out. And it was just like, I really, we had the time to sit and appreciate what you did for us. And I think that it was a big moment for me.

At that moment, I stopped looking at you as a figure, as a businessman, as someone who's just doing a job to an actual human being who actually cared about our well-being, how we looked at our finances, and everything.

you coming through and allowing us to be a part of this journey that you took. And it was a huge moment for us. Like even when you left and we were still there, we were still talking about it. And it was just big because of, you know,

everything that we went through from day one, from when you came to the house to that last day of shooting, which, you know, telling you guys out there in America who's listening to this man, it was to the point where, like, me and Monique wanted to throw hands. Like, it was crazy. You know, like, crazy. But, again, like, the truth stings. It really does. And one of the things we can appreciate is that you didn't falter. Like, you didn't change anything.

what you said. You know, you didn't change what was behind what you said. It was, you were like, listen, you guys really want to do something and actually come out of this hole

listen. And it's hard to tell adults to listen. It's like our dream is still a house, but we want to make sure that we're setting ourselves up for success in buying a house. So renting is probably more expensive right now than buying a house, but we don't have to pay for repairs. We don't have to pay for taxes and all that other stuff. So we want to make sure that when we go into our house, we can stay in our house.

That's phenomenal. That's phenomenal. Our conversation about renting and owning really got America talking. Did you see that? It's crazy. Some are upset. Some are like, I get what he's saying. It's a lot, but it's good. I love that we're talking about this. We should. It's the biggest purchase we'll ever make.

And this idea that we should just kind of blindly spend all of our money on a house because somebody tells us to, to me, it's absolutely crazy. I'm glad that we were able to have that conversation. Funny enough, I actually think that was one of the easier conversations that we had because I think when it came to you, you both, you wanted to get a house, you still want to get a house. I totally respect it. I want you to do the same. Yeah.

But it was so far off that we had other things we had to deal with first. It's like there was a fire with the bags and the storage unit and the debt. We need to tackle that first and make a plan, even all the accounts, or we could even talk about the house. So I appreciate you coming on that journey with me just methodically, step by step by step. Speaking of that, how many accounts do you now have? Three. Three.

Are you serious? You went from like 20 to 3? Yeah. What did that feel like? That's still strange to me. You know what's strange to me? 20 accounts. That's strange. Hashtag bathroom fries. No, it is because one, it works having a joint account and having...

just the funds that need to go into that account that's paying off something. That works. Okay. Monique, how about you? There was a moment, I think we were at that restaurant, and I had asked if you would consider combining accounts. And if I recall, you just point blank said no.

yeah i will say that he has behaved and i might be the problem child with the joint account this go around tell me um i will like not have my debit card with me and i'll have the joint account and i'll spend something and forget to tell him that i spent it and then he's like oh well the money was supposed to be in there and i was like oh i

I forgot. But I mean, then I fixed it. I transferred it out because our accounts are all with the same credit union. Nice. It's easier to just move everything around. I'm extremely proud of our growth. That was...

Like I said, you came in and you did something nobody was ever able to do. And that was to get her to do a joint account. I was like, all right, that's your superpower right there. But definitely our growth to be able to sit down and talk about money and not have any reservations. So that's huge. And it has played a huge part in where we are now. It sounds like you two have become much more of a financial team. We look at it now like...

Do I really need to pay $220 for a pair of sneakers? Or can I actually put that up and have that money make money for me to where as though I can still get a pair of sneakers, but now I got $220 making me X amount of money per month. Nice. Yeah. Nice. Okay. Yeah, it's just really, really...

You had us to the point where we really had to look at how we were spending our money, how we were managing our money, and how we treated our money. Donnell, were you raised with the belief that making money has to be hard? I wouldn't say I was raised on a belief that making money has to be hard, but I was raised on the visual where...

If you made money, it wasn't an easy thing. Okay. So guess what? I'm teaching you a new way, which is that it actually can be easier than you think. In fact, it can be as easy as setting up automation once and then checking on it once a year. And you can make more money doing that than you would doing all kinds of crazy things that other people try to do. Yeah.

When we hit our first million, then I'll be happy. No, you're not going to be happy when you hit a million. I'll tell you that right now. If you're not happy now, then you won't be happy later. You don't listen to the man. Thank you, Monique. You got to be happy with what you have now. Monique, are you happy? Am I happy? Yeah, I mean, because I know that it'll get better if we're...

You just keep doing the same thing, not doing the same thing, but keep doing the work and you'll reach your goals. As you said just a minute ago, Monique, if you're not happy now, you're not going to be happy later. And the fact of the matter is when you have a million dollars, if you continue this way of thinking, you're going to get there and you will get there. I can show you exactly the month and year you're going to reach that. And

you'll say, well, we could have had 5 million. Well, what about 10 million? And you want to go the rest of your life feeling like that? No. You're like, oh my God, we have a million dollars. Or oh my goodness, we have $200,000. Hell yeah. Or oh my God, we paid off $20,000 in credit card debt. Okay, we'll start there. I mean, honestly, the number of things I can count that you two should be celebrating is like, I can't even fit them on two hands.

The video games, storage unit, the number of accounts, the bag, the business, Next Fab. I mean, I could go on and on. I'm over here, like, this is incredible. A lot of what you were able to install and just break down to us throughout the process, we've taken it and we've been able to get this far. And it's probably what millions of people like the place that they are. So if we could help somebody-

I have a lot of respect for that. It takes a lot of courage to show up

to open up your financials, which in America is one of the most taboo things you can do, and then to ask for help. Because in most of our life, especially as adults, we want to show up as competent, as winning. We know what's going on. And when you have to ask for help, especially with a camera crew around, that's not easy. But I really appreciate you did this. You did it for yourself, but you also have...

incidentally helped millions of people who can see themselves in the two of you. After our call, Donnell sent me an email. Here's what it said. Monique said she didn't think you believed us. So I enclosed the front page of our bank account. I'm going to put that on screen here for our YouTube viewers. It shows their bank account with $176,052 in it. Quite amazing.

I'm very proud of all the changes that Monique and Donnell made. And best of all, they did it together. Thanks for listening. And thanks for watching the show on Netflix. And one last thing. Each week, I share a new insight on money psychology on my private newsletter that I never share publicly. If you would like to get that, it's free. You can sign up at IWT.com slash podcast newsletter.

Thanks for listening to I Will Teach You To Be Rich. I'm Ramit Sethi. Please follow the show on Apple, Spotify, or wherever you listen to podcasts. If you haven't read I Will Teach You To Be Rich, my book, pick up a copy. You can get it at any bookstore or any library, and it will show you the specific tactics for how to build the I Will Teach You To Be Rich system into your personal finances.