cover of episode 165. “I make 10x my husband’s income. Will we ever feel like equals?”

165. “I make 10x my husband’s income. Will we ever feel like equals?”

2024/7/16
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I Will Teach You To Be Rich
AI Deep Dive AI Chapters Transcript
People
G
Gina
J
James
领导Root Financial从小规模公司发展成为全国性公司，专注于目的驱动的财务规划。
R
Ramit Sethi
Topics
Gina: Gina 感到自己承担了家庭大部分财务责任，包括储蓄、投资和日常开支的规划，希望与丈夫 James 在财务方面更加平等，并分享财务决策。她认为 James 应该更积极地参与家庭财务管理，并承担更多责任。她虽然收入远高于 James，但她并不介意承担大部分开支，但她希望 James 能够有能力承担自己的部分责任，而不是依赖她。她希望他们能够在财务上更加平等，并共同规划未来。 James: James 由于收入的不稳定性，以及童年时期形成的匮乏心态，导致他在财务方面较为被动。他承认自己对财务参与度不足，并为此感到自卑和沮丧。他希望能够更多地参与家庭财务决策，并能够定期进行投资，但他同时也担心增加开支会影响他的财务状况，并害怕失去客户而不敢涨价。他希望能够在财务上更独立，并为家庭做出更多贡献。 Ramit Sethi: Ramit Sethi 作为理财顾问，分析了 Gina 和 James 的财务状况和心理状态。他指出 Gina 的高收入可以解决很多财务问题，但他们需要更有效的财务规划和沟通。他建议他们建立共同账户，设定具体的投资目标，并改善彼此的财务心理。他认为 James 需要克服匮乏心态，积极提升收入，并承担更多财务责任。同时，Gina 也需要更清晰地表达自己的需求，并与 James 共同承担家庭责任。 Gina: Gina 认为高收入让她能够享受生活，但她并不希望因此而让 James 感觉被边缘化。她希望 James 能够更积极地参与财务规划，并承担相应的责任。她愿意与 James 分享财务决策，并共同规划未来。她希望他们的关系能够更加平等，并共同创造美好的生活。 James: James 承认自己对财务参与度不足，并为此感到自卑。他希望能够更多地参与家庭财务决策，并能够定期进行投资，但他同时也担心增加开支会影响他的财务状况，并害怕失去客户而不敢涨价。他希望能够在财务上更独立，并为家庭做出更多贡献。他意识到自己的匮乏心态影响了他的财务决策，并希望能够改变这种心态。 Ramit Sethi: Ramit Sethi 指出 Gina 和 James 的财务问题不仅仅是数字上的问题，更是心理和沟通上的问题。他建议他们进行更深入的沟通，明确彼此的需求和期望，并共同制定财务计划。他强调了高收入并不意味着可以忽视财务规划，反而需要更谨慎的管理。他鼓励他们建立共同账户，并设定具体的投资目标，以实现财务上的共同进步。

Deep Dive

Chapters
The episode explores the financial dynamics in a couple's relationship where one partner makes significantly more than the other, discussing the implications on their lifestyle, savings, and relationship.

Shownotes Transcript

Geena is 44 and James 39. They live in Brooklyn where she works as a corporate attorney and he’s a freelance musician—resulting in a 10x income disparity. They travel a lot, but do they invest enough to retire with the lifestyle they want? And does James bring enough to their relationship?

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Links mentioned in this episode

• Join Earnable Live)

• “My boyfriend is perfect… except he’s broke” (Part 1) #64)

• “I make $200k/month. He makes $2k. Who pays for dates” (Part 2) #65)

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