cover of episode 3. “My husband is going broke, but he won’t let me help”

3. “My husband is going broke, but he won’t let me help”

2021/8/6
logo of podcast I Will Teach You To Be Rich

I Will Teach You To Be Rich
AI Deep Dive AI Chapters Transcript
People
C
Calvin
C
Chantha
R
Ramit Sethi
Topics
Calvin：一直以来都想成为家庭的经济支柱，承担所有开销，但由于入不敷出，导致他非常焦虑，总是精打细算，寻找最便宜的选择。他这种行为模式源于他童年的经历，从小目睹父母财务状况不佳，并承担了超出年龄的财务责任，这让他对金钱非常敏感，并将其视为需要解决的问题，而不是享受的东西。他希望能够独立承担所有责任，即使这意味着他需要承受巨大的经济压力和精神负担。 Chantha：认为Calvin应该和她一起分担家庭开支，而不是独自承担所有压力。她认为他们应该在享受生活的同时，保持合理的储蓄。她对金钱的看法与Calvin不同，她更看重方便和舒适，愿意在一些方面进行一些额外的支出。她理解Calvin的焦虑，并希望能够帮助他找到平衡点。 Ramit Sethi：指出金钱问题不仅仅是数学问题，更深层次的是心理问题。他引导Calvin和Chantha去反思他们对金钱的看法，以及他们童年经历对他们金钱观的影响。他鼓励他们制定共同的理财规则，并找到一个平衡点，既能满足他们的需求，又能保持合理的储蓄。他帮助他们从长远角度看待财务状况，并鼓励他们享受生活。 Chantha：她认为Calvin应该和她一起分担家庭开支，而不是独自承担所有压力。她认为他们应该在享受生活的同时，保持合理的储蓄。她对金钱的看法与Calvin不同，她更看重方便和舒适，愿意在一些方面进行一些额外的支出。她理解Calvin的焦虑，并希望能够帮助他找到平衡点。 Calvin：一直以来都想成为家庭的经济支柱，承担所有开销，但由于入不敷出，导致他非常焦虑，总是精打细算，寻找最便宜的选择。他这种行为模式源于他童年的经历，从小目睹父母财务状况不佳，并承担了超出年龄的财务责任，这让他对金钱非常敏感，并将其视为需要解决的问题，而不是享受的东西。他希望能够独立承担所有责任，即使这意味着他需要承受巨大的经济压力和精神负担。 Ramit Sethi：指出金钱问题不仅仅是数学问题，更深层次的是心理问题。他引导Calvin和Chantha去反思他们对金钱的看法，以及他们童年经历对他们金钱观的影响。他鼓励他们制定共同的理财规则，并找到一个平衡点，既能满足他们的需求，又能保持合理的储蓄。他帮助他们从长远角度看待财务状况，并鼓励他们享受生活。

Deep Dive

Chapters
The episode begins with Ramit Sethi announcing his new book and discussing how childhood financial experiences influence adult money management, setting the stage for the main topic.

Shownotes Transcript

Calvin feels he needs to be the “man of the house” and pay for everything. There’s just one problem: He can’t afford it. Every month he’s in the red, leading him to be anxious around money.

Chantha likes to spend money on nice things and feels Calvin is too cheap with his money. The two of them feel stuck because of their different views on money. And, to make things even more complicated, Calvin – by conventional definitions – is rich. He and Chanta bring in $250k a year, and based on their savings rate, they’re on track to become multimillionaires.

As you listen, notice their backgrounds. What led Calvin to feel this way about money? What motivates a husband to take on such a burden and how can Chantha and Calvin find a middle ground of comfort where they can build a future together? Pay particularly close attention to our discussion around vacation at the end of the episode.

Connect with Ramit

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