cover of episode 149. “We have no savings but bought our kid a $500 toy for Christmas” (Part 1)

149. “We have no savings but bought our kid a $500 toy for Christmas” (Part 1)

2024/3/26
logo of podcast I Will Teach You To Be Rich

I Will Teach You To Be Rich
AI Deep Dive AI Chapters Transcript
People
E
Elizabeth
J
John
一位专注于跨境资本市场、并购和公司治理的资深律师。
R
Ramit Sethi
Topics
Elizabeth: 我们结婚13年，仍然住在结婚时买的房子里，还在进行昂贵的装修。收入比结婚时高，但财务状况却更糟糕，我们无法储蓄，经常借钱消费，甚至用先买后付的应用来支付圣诞节礼物。我为女儿购买了一个500美元的玩具，这让我们更加负债累累。我使用记事本记录账单，并根据收入情况决定哪些账单需要优先支付，这种方式让我感到焦虑和悲伤。我们经常因为财务问题而争吵，我感到自己未能为家庭提供足够的支持，并对未来感到担忧。 John: 我认为妻子的财务管理方式混乱，并为其感到难过。生活中意外事件会影响财务计划，导致我们反复陷入困境。我曾经负责支付账单，但后来改为与妻子分担，但我们的沟通不足，导致财务状况更加糟糕。我妻子总是说“我会想办法的”，这让我感到无力。 Ramit Sethi: 这对夫妻在财务管理和决策方面存在混乱，并缺乏控制感。他们过度消费，缺乏财务规划，也没有积极的行动来改善现状。他们的问题在于无法控制自己的消费行为，而不是外部环境的影响。他们需要共同努力才能解决财务问题，而不仅仅依靠一方。他们需要改变消费习惯，并制定合理的财务计划。

Deep Dive

Chapters
Elizabeth and John discuss their financial struggles, including living paycheck to paycheck, being in debt, and their inability to save money despite increased income over the years.

Shownotes Transcript

Elizabeth and Jonathan are in their mid-thirties, have been married for 13 years, and share a young daughter. They bought a starter home after getting married, but expensive renovations are still underway. They struggle with debt and spend a lot on their child. They’re wondering—is this it?

This episode is brought to you by:

Viator | Download the Viator app and use code VIATOR10 for 10% off your first travel experience with Viator.

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.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).

Superhuman | Get a free month of lightning fast email at https://try.sprh.mn/ramitsethi).

Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit).

Links mentioned in this episode

• “We’re broke, but I spend $350/mo on clothes” (Part 2))

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show)

• Get Money Coaching with Ramit) 

• Download the Conscious Spending Plan)

• Listen to my book—now on Audible)

• 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).