0:00 Please remember: These are real people who had the courage to come on my podcast and ask for help. Would you be willing to come on this podcast and share every detail of your financial life? Feel free to leave comments based on what you think, but remember that we are here to help in a supportive way, not to demean and criticize.
Will the transcripts be updated? My link for the podcast follow ups stopped working a couple weeks ago and the podcast page only goes to episode 81 now.
@ramitsethi my wife and I just watched this episode. Easily one of our favorites and favorite couple on this show. They’re such good people that just needed some extra help. Now that it’s been 11 months, how are they doing on their journey?? Can you do a follow up episode on them??
I love how this couple treat each other. They are so kind and listen closely to each other. Also, Matt thinks he’s not smart, but I’ve listened to every single IWT episode and I think he might be the most thoughtful, self-aware, humble and articulate man who has been on this podcast so far. Thank you to both of you, Matt and Asha, for sharing your story and struggles for so many of us to learn from.
This is EXACTLY what I came here to comment. I don't think I have heard an episode where both people in the couple were so open and welcoming to feedback but also able to self reflect and readily take ownership of their own mistakes. It was amazing! I loved listening to this couple.
Yes! The man's feedback was so well written and insightful. He is a beautiful soul, she has gone through so much and is bravely moving forward with her life, and they both demonstrate what true love is. Loved this episode!
I’m surprised to see this. After seeing myself on camera sticking my finger in my ear like I forgot what I was doing. I learned a tremendous amount from this experience and we really appreciate all of the kind and thoughtful things people had to say about the episode.
Matt is transparent, vulnerable, empathic, and intelligent. The nursing profession will be lucky to count him as a member! Matt, I hope you learn to see yourself through Asha's eyes (or any of the commentor's here!) Both Matt and Asha had me laughing and crying. Asha, I'm wishing continued health and happiness to you both.
Thank you for saying this. It’s something I’m constantly working on and how hard I’ve worked at acknowledging myself is one of the few things I’m truly proud of.
@@MattyGaylordMatt, you are an inspiration to me as a husband. I married my best friend last year after being together for 10 years. If she got sick I like to think I would approach it how you did with Asha. This video had me in tears. Thank you for sharing your story and bless you both ❤
yea im black and many white folks have said this around me and I always correct them. its a awful way to label oneself. for some many reasons it seems ok to do. they are saying it about themselves and of course their situation is far more advantageous than others. but it becomes a way to play small and use that as an excuse to self sabotage, or not try etc. reminds me of ramits label he gave himself as the skinny indian. he admits it was a self fulfilling prophecy. words are powerful and even more so when it is about oneself
Exactly. I grew up in an upper middle class family, but I’ve also been poor and have lived in some really run down places because that was all I could afford. I met amazing people from all walks of life, including people who lived in trailer parks, and none of them are trash.
As a fellow RN, I can tell Matt is going to be an amazing and compassionate one, as that is what our profession is all about. This episode almost had me in manly tears.
I found my highschool sweetheart on Facebook, we got 9 years together, then he passed unexpectedly. I wished I would have done what they did, but I'm a saver. I always said we don't have enough money to go on vacation yet. The month before he passed we planned a fun road trip to see his family with fun things to do on the way. We never got to go. I never contemplated suicide but I did feel like my life was over. It's been 1 1/2 years, still picking up the pieces.
This was hands down the best episode I have watched/listened to. It really captured the complexity of life and money. I was moved to tears and will be reflecting on this episode for some time. I wish them both the best and thank them for the courage to talk so candidly about all of their experiences.
As a formerly poor person, I have also said MANY TIMES "IM NOT AFRAID OF POVERTY, I VE BEEN THERE AND I KNOW HOW TO SURVIVE" It is even more comforting when you're the only person youve ever known who has overcome it. To others it might sound horrible but to us it makes us feel somewhat superhuman. But you are right that we see money as ephemeral and somewhat disconnected from planning or working hard. I've had to come to these things on my own having married someone who grew up middle class. We're solidly upper class now and have done everything we could to rework our relationship to money.
I love how Ramit uncovers peoples stories and feelings and does not just focus strictly on the numbers. Hes like the Gandalf of personal finance. Straight wizzard. Amazing
This episode was a banger 🔥. I think this couple showed a lot of self awareness and are in a great position to really be successful. Wishing them the best
Love how Matt and Asha are as a couple. There's real love and respect between the two. Matt is truly compassionate, empathetic and caring. He has everything a partner needs in a romantic relationship. Kudos to both!!
As an oncology nurse, I can see how they convinced themselves of yolo however I also see the other side of patients coming in and their penniless and can’t afford care or medicines, it’s heartbreaking either way! This was a tearjerker for sure, they’re a lovely couple and I wish them well!
Matt's story is so similar to my father's. The way that he loves Asha, he reminds me of how my dad loves my mum. My dad grew up with very little and didn't eat everyday either. Really touched by this couple.
This episode had me in tears from beginning to end. Thank you Matt and Asha for sharing your story - Matt, you are such a good man, I see why Asha’s family is so grateful for your presence!
Until about 45 minutes in... I thought they were making $60,000/year between them! They were acting completely broke! As a RN, I can tell that Matt is going to make a great nurse! My husband and I have agreed that we no longer buy each other material gifts (aside from small things like flowers or a small token). We spend our money on experiences together instead. We have everything we need and we don't want to collect more junk.
When we completed the application and when I initially filled out the CSP. We were making about $100k combined. The numbers were 110% fixed costs and I was shocked and scared out of my mind thinking about what that would mean. We were fortunate that the business venture gained traction. If it had not ,this conversation would have been entirely different.
@@Kevintendo Things have been variable over the past 6 months. A few health issues have come up and we've navigated those, but it has been the toughest quarter of our relationship. Luckily, we got it together financially before the next period of stress and surgeries came to be and I'm happy to say we are credit card and loan free sans the house and vehicles. Had we not been the stress might have broken both of us. But we made it through, and things are on the upswing again.
Absolutely loved this episode! It was good to listen to how he was raised and how he felt Asha was dating beneath her. How her parents were not in support of him, but then his display of love and affection showed them he was perfect for their daughter and thus came acceptance. As someone who grew up with the most basic of provisions, and having to make a way in this world on my own without familial support and guidance, I get how he could feel not good enough. Let me just say sir, YOU ARE MORE THAN ENOUGH! He mentioned he’s not smart, and how her family are all smarter than him. Sir! You have a HS diploma and managed to earn six figures. You’re smarter than you think. I wish them all the BEST!
I agree 100% . I know there are many stereotypes about indian parents (mostly true😆) but as a high school passout and probably the only one to do so in my entire clan, I can tell you.. Once I started making decent money, all the relatives appreciated it much more than they appreciated my cousins with engineering and doctorate degrees. My mom jokingly calls me her high return on investment child. So I'm sure Asha's parents noticed that about Matt too and that's why they agreed to marriage. We Indians do love a fancy degree, but that doesn't mean we don't respect the hard work and potential, above all the ROI, how can anyone overlook, getting such a high EQ son-inlaw with money making potential and grind as settling beneath. I think Asha made a great choice and her parents know it too (they just won't say it often, again not in our culture to show appreciation in words) . Matt should be proud of himself, coz we all know Asha is proud of her choice and that shows in her smile
I just want use this comment to express my appreciation to Matt and Asha for coming on this podcast and being open about their financial & life situation so that the rest of us could benefit and learn from this situation. It was probably super difficult for them to come on this podcast to talk about deeply private & sensitive situations people would usually never talk about in public.
I listened to this on my phone but had to come on UA-cam JUST to add to the plethora of comments. I was so moved by this episode. I am in awe and inspired by the vulnerability and courage this couple displayed. They care deeply for each other and are a beautiful couple doing beautiful things in the world. I wish them the best on their journey. And bravo, Ramit, for orchestrating such a deep and meaningful conversation on money that not only moved this couple but thousands of listeners too.
This episode was the best yet. Huge kudos to Matt, he displays such a high level of awareness in himself and such a level of love for Asha. I can’t imagine what Asha went through and she is so strong. Really hope for the best for these two. Thanks for the deep and interesting podcast Ramit, nothing else like this out there
Thank you Ramit, wow, this was literally my favorite episode. Matt is an amazing man, growing up as he did, making the leap to work for NATO and travel the world, and allowing his world view to change. I have met a lot of people with similar backgrounds when I worked offshore and they are mostly stunted in growth, unwilling to see a world beyond their small town and circumstances they were raised in. It was amazing to see him hear your perspectives and be open to shifting his viewpoint and make adjustments to his relationship with money and his partner. It's also amazing to see so many couples come on the show who make so much money, but are unable to succeed with money due to their money mindset. It has always baffled me that 99% of people are unwilling to spend 10 dollars on a book and completely change their financial life, but your podcast really helps me see why. I have literally given your book to friends and told them it made me a half a million dollars and they still can't be bothered to read it, truly our mindset is so powerful. Keep up the amazing work! I really hope you will do 1 or 2 year follow ups with some of your guests, that would be amazing to hear!
Thank you for saying this. It’s probably the one thing I really pride myself on and it felt really great to be seen by so many people and have them notice how hard I’ve worked on myself. We are hoping for a follow up in the future and really want to share the rest of the story with all the folks who care enough to listen.
I've binge watched about 7 episodes now and this was my favourite. Literally teary eyed at the end. Be encouraged Matt and keep well Asha. You are such light in this world, both of you. Matt - you sell yourself way to short. Asha being incredible as she is, would not be with you if you weren't absolutely amazing. You love her so well and your solid-Ness will keep you going until you're out of debt completely and are beyond your current troubles. You have overcome so much. All the best Matt and Asha.
This story was very emotional and powerful for me. What a lucky couple to have survived such trials and still be so clearly in love. I wish them all the best. God bless.
I listened to this episode, but then had to pop over to YT to put faces to this sweet couple. I really appreciate your insights beyond the numbers. In this episode in particular, your understanding and compassion shine through.
Matt and Asha are amazing! What a great episode, I experienced both happy and sad tears during this. I related so much with Matt and his upbringing. Seeing their hope gives me hope!
I love financial planning channels, but what sets this one apart is the level of compassion. I just watched your Netflix series, and your compassion shines out there, too. Its wonderful to see such a human, well-rounded approach to personal finance. Thank you for your content!
That Matt went along thinking he was going to end his life if he lost Asha...I can somewhat relate to this..although I'm 68 and at the last 1/3 of life. The heartbreak of losing someone you love and are so connected to skews our thinking. Matt and Asha were courageous to speak publicly about their life. They gave a gift to all who listen. You have such a way with people Ramit...I wish them both the best.
What a beautiful couple. Wow, Matt. It’s not too often any of us see a man who can be vulnerable, honest, introspective, and wise. And his letter to Ramit at the end was perfect. My heart hurt hearing him mention suicide twice during the episode, though.
The most humble couple with beautiful souls. Wishing them the best and prolonged health. Matt if you're reading these comments try not to go towards dark thoughts. It's a beautiful world with many nice people that can help you and vice versa. We need more pure souls to help better our trajectory. Stay strong brother.
Their story is an example of how good people sometimes just get the $#!t end of the stick. Life just isn't fair sometimes. What a beautiful and sweet couple that I could relate to in so many ways. It's really such a gift that they have each other, the love between them is palpable. Thank you Matt and Asha for sharing your story with us. I wish you both the very best. ❤
This episode was so surreal to listen to. Asha and myself have a similar story - I've had open heart surgery as an adult and additional medical procedures at a very young age.... some of the most important surgeries and procedures happened by the time that I no longer had the umbrella of health insurance coverage from my parents. HDHP health plans depleted any savings I could ever make and I began a sinking fund YoY for my Out of Pocket (OOP) maximums around 4 years ago. This has helped me be able to stay on top of my finances in the last few years. It totally sucks to pay up to $5,000 every year (going on $25,000+ spent on healthcare instead of a home or other debt since turning 26 years old); but perspective is everything. I truly could have it worse. Ramit - thank you for sharing the story that Asha and Matt have. Asha, all my love and well wishes to you for a healthy future. I think you both will be so happy to look forward to the future you didn't think you'd have together.
It can always be worse. This doesn’t make your experience any less valid. Knowing that every single year we are going to pay the max out of pocket makes it very hard to not be bitter. Especially when we see people around us who have never so much as heard of a co pay or spent hours and hours on phone calls arguing with insurance companies.
I definitely can’t wait to hear this. I was misdiagnosed with cancer and we watched over 60 people die since Covid 2020. All of my spending inhibitions went out of the window; we spent every dime and are now trying to claw our ways out of this circumstance.
Wow, way to make me cry today! For both their circumstances that they've overcome as well as how kind and encouraging you are. I hope Matt continues to gain confidence and they both have good health.
Thank you. I’m a firm believer that life experience and appreciating people’s struggles really makes a quality healthcare provider. We see it constantly in practice and there’s a world of difference between those who get it and those who don’t.
Ugh, I’m only a quarter of the way in and can’t stop crying 😢. Their love, bond and support for each other through good and bad times is truly amazing.
I really love this couple. They’re very kind to each other, and you can tell they love and respect each other. The guy is very humble (and maybe has low self-esteem due to his upbringing). She’s a brave, strong woman. I wish them both the best of luck and good health!
Great episode. I hope this couple gets to enjoy a looong prosperous and healthy life together. I am still half in, but as a European watching this... I feel most of what happened to them, was not their fault to start with. In a more "socialist" society Matt would most likely not have grown up in a trailer, he would have been able to study (if he wanted to, he is definitely smart enough to so do), Asha wouldn't get into medical dept (we have no medical depts, and people get a health-kind-of- pension to help them while they recove before going back to work!). I must admit that I am also surprised/confused on the role Asha's parents played in the economical aspect of her recovery. Or how her rich parents "allowed" Matt to sacrifice all his money prospects to support her, while it is clear that they could have taken some of this burden. But since we don't have their version, I don't feel is fair to judge them. Just my thoughts about this episode. Also their love and bond can only lead them to a beautiful life. I have no doubts.
It makes me so sad that people have enormous financial burdens placed on them for healthcare, when the health scare is alsredy heavy enough. I live in Canada, and am grateful for our free healthcare system! Socialism is not good in almost every area of society, but when it comes to socialized healthcare, I think we've hit the sweet spot.
What a beautiful couple. This is true love. You both have so much love and respect for eachother. I wish you both all the success, happiness and health. I'm sure you both are amazing healthcare professionals.
Hard thing with this dissonance reduction. It took me a long time to realize I may take the step by step approach concerning my candy overeating, and talk to myself : All right, now you're full but you want more. You'll only stop when you get sick. Continuing to feel good is not the way. What if you do some weightlifting for several minutes, then see how you feel ?
I watch A LOT of personal finance videos, and this episode is absolutely top notch content. I love this couple; they're so open, honest, humble, and just generally likeable human beings, and the deep love they have for each other is plain as day. I can't even believe that was an hour and a half, it was worth every second.
Such a great episode and I can relate, my husband was diagnosed with a rare form of nasal cancer in Feb 2020, multiple surgeries, all was going good, then we get hit with it's back AGAIN and without this crazy surgery you have 6 months to live, this was December 2021, well we kind of starting living a day at a time and enjoying life, we got a second opinion and he decided to follow his gut feeling not to go through with the surgery, thank God he's healthy and thriving, but fast forward and now I myself carry close to 15k in credit card debt, just stated living life, some personal health issues that I had to put on the card, surgeries, dental work and here we are, but since I came across your channel, you've opened my eyes more, i was already looking at the future and how I don't like having this debt, but you've encouraged me to want to start hustling again on the weekends and put that money towards my debt. Thank you
Great episode, a great couple with an interesting story. Agree with all the comments on Matt - I find the best shows are when the couple roughly talks equally and are connected, and Matt was very self-aware and humble. The two have had a hell of a life. I wonder where they live - Matt's drawl made me think the south or Appalachia.
Such a heartwarming conversation. Matt, you're bloody amazing, and you did everything right. Asha, so glad you're healthy and happy now. More power to you both, I'm super confident you'll both get your financials in order. Life throws curveballs sometimes and there's very little we can do about it, but you both make such a strong couple and I hope you're doing well now.
Qué gran episodio! Ram llevas la conversación mas allá de los números y las finanzas, tener empatía y guiar a la audiencia a que la tenga es uno de los regalos que poca gente he visto que pueda inyectar en otros, especialmente en social media. Esa pareja está lo máximo!!!! Que historia tan real, llena de sube y bajas y así es la vida, pero poder afrontarla y tomar los consejos para un futuro mas provisorio es algo que aprendí junto con Matt y Asha. Gracias por compartir y lo mejor está por venir. Este es mi primer episodio y me enganchó. =)
Omg! I just love Matt, and I have not gone through the whole video. So much love, care and respect for each other - you make me believe in humanity and profound feelings for another person.
You are amazing bringing us the beautiful stories and opening the curtain into what has been culturally taught to not speak about. We are learning so much from these interview. Thank you so much to your guests will to let us in. We can only from each other. ❤
Haha, as an Asian mom, I literally lie to my daughter every single day. “ if you don’t take bath , the spider gonna bite your stinky toes 😂” She would go to take bath immediately. It works all the time so far. She is almost 3.
This has been my favorite IWT podcast yet! I’ve been catching up with all of Ramit’s content over the last couple of months, and these real stories are awe inspiring. I wish these 2 the best! Their story is incredible!
I have watched many of these but boy, do I like and admire the couple the most. Some of the couples have been likable but these two are the best! I just want them to succeed and have a long healthy life.
What a beautiful love story they have. They are each other’s true love as well as inspiration. It was easy to see with a bit of guidance they’d get to the right place with their finances
I hope they will have a long and happy life together. I am a 74 year old widow who was married for 51 1/2 years when he passed from Agent Orange complications. He didn't work for 30 years but I had a decent job and I worked until I retired. We had our ups and downs but we loved and respected each other to the end. No kids so I go on alone. I am comfortable financially with an income of about $85k. Only debt is my home and savings of almost $95k.
I wanted to cry this entire episode just hearing about their incredible relationship and their emotional maturity that they approach their relationship with. How beautiful.
I love them. They’re going to be just fine ❤. What a beautiful love. I grew up in poverty, so I have his same mindset that I can survive anything, but living in poverty also taught me to work hard to never struggle to experience poverty again.
Hi Ramit, I just started to watch your content...These are amazing and it sends light on real REAL situations we can relate too. Good on ya! Also, you're right, we as parents always lie to our kids LOL. We say we'll take our kids to the police all the time...AND IT WORKS!!!!
0:00 Please remember: These are real people who had the courage to come on my podcast and ask for help. Would you be willing to come on this podcast and share every detail of your financial life? Feel free to leave comments based on what you think, but remember that we are here to help in a supportive way, not to demean and criticize.
Will the transcripts be updated? My link for the podcast follow ups stopped working a couple weeks ago and the podcast page only goes to episode 81 now.
Ramit, someone is impersonating you in the comment section!
thank you for making your podcast available on YT! G*d bless your guests sharing their stories
Could you send your guests good headphones? Many are hard to hear
@ramitsethi my wife and I just watched this episode. Easily one of our favorites and favorite couple on this show. They’re such good people that just needed some extra help. Now that it’s been 11 months, how are they doing on their journey?? Can you do a follow up episode on them??
I love how this couple treat each other. They are so kind and listen closely to each other. Also, Matt thinks he’s not smart, but I’ve listened to every single IWT episode and I think he might be the most thoughtful, self-aware, humble and articulate man who has been on this podcast so far. Thank you to both of you, Matt and Asha, for sharing your story and struggles for so many of us to learn from.
This is EXACTLY what I came here to comment. I don't think I have heard an episode where both people in the couple were so open and welcoming to feedback but also able to self reflect and readily take ownership of their own mistakes. It was amazing! I loved listening to this couple.
Yes! The man's feedback was so well written and insightful. He is a beautiful soul, she has gone through so much and is bravely moving forward with her life, and they both demonstrate what true love is. Loved this episode!
I’m surprised to see this. After seeing myself on camera sticking my finger in my ear like I forgot what I was doing. I learned a tremendous amount from this experience and we really appreciate all of the kind and thoughtful things people had to say about the episode.
All of this❤❤❤
I agree ❤️🙏🏾
Matt is transparent, vulnerable, empathic, and intelligent. The nursing profession will be lucky to count him as a member! Matt, I hope you learn to see yourself through Asha's eyes (or any of the commentor's here!)
Both Matt and Asha had me laughing and crying. Asha, I'm wishing continued health and happiness to you both.
Same thoughts here ✋🥲
Thank you for saying this. It’s something I’m constantly working on and how hard I’ve worked at acknowledging myself is one of the few things I’m truly proud of.
@@MattyGaylordMatt, you are an inspiration to me as a husband. I married my best friend last year after being together for 10 years. If she got sick I like to think I would approach it how you did with Asha. This video had me in tears. Thank you for sharing your story and bless you both ❤
Matt is the man. In sickness and in health till death. Literally. She is a fighter too. There's no place to go but up. Love this couple.
It broke my heart to hear Matt call himself trailer trash. No one is trash because of where they live.
Appreciate this comment ❤️
yea im black and many white folks have said this around me and I always correct them. its a awful way to label oneself. for some many reasons it seems ok to do. they are saying it about themselves and of course their situation is far more advantageous than others. but it becomes a way to play small and use that as an excuse to self sabotage, or not try etc. reminds me of ramits label he gave himself as the skinny indian. he admits it was a self fulfilling prophecy. words are powerful and even more so when it is about oneself
Isn't that the definition of trailer trash tho
@@KennedyIvy the term itself is offensive.
Exactly.
I grew up in an upper middle class family, but I’ve also been poor and have lived in some really run down places because that was all I could afford.
I met amazing people from all walks of life, including people who lived in trailer parks, and none of them are trash.
As a fellow RN, I can tell Matt is going to be an amazing and compassionate one, as that is what our profession is all about. This episode almost had me in manly tears.
RN Matt! You can do this--Nursing is hard, but it builds grit and integrity-that will last a lifetime!
those are just called tears sir lol
This couple is so rich in the love, compassion and respect they have for each other. This was the best episode so far!
I found my highschool sweetheart on Facebook, we got 9 years together, then he passed unexpectedly. I wished I would have done what they did, but I'm a saver. I always said we don't have enough money to go on vacation yet. The month before he passed we planned a fun road trip to see his family with fun things to do on the way. We never got to go. I never contemplated suicide but I did feel like my life was over. It's been 1 1/2 years, still picking up the pieces.
Praying your strength and endurance during your bereavement.
😢 sorry
Please stay strong ❤
This was hands down the best episode I have watched/listened to. It really captured the complexity of life and money. I was moved to tears and will be reflecting on this episode for some time. I wish them both the best and thank them for the courage to talk so candidly about all of their experiences.
Matt is the man, I’d love to buy that guy a beer. Incredibly endearing couple. I wish you both a lifetime of happiness.
As a formerly poor person, I have also said MANY TIMES "IM NOT AFRAID OF POVERTY, I VE BEEN THERE AND I KNOW HOW TO SURVIVE" It is even more comforting when you're the only person youve ever known who has overcome it. To others it might sound horrible but to us it makes us feel somewhat superhuman. But you are right that we see money as ephemeral and somewhat disconnected from planning or working hard. I've had to come to these things on my own having married someone who grew up middle class. We're solidly upper class now and have done everything we could to rework our relationship to money.
Yep! I myself have said, "I ain't scared of being broke". It means I survived it once and I'll survive it again.
Beautiful. Congratulations.
Huge contrast between this husband and the guy who put the 1 million in the oil investment. These videos are great and provide incredible lessons
I love how Ramit uncovers peoples stories and feelings and does not just focus strictly on the numbers. Hes like the Gandalf of personal finance. Straight wizzard. Amazing
This episode was a banger 🔥. I think this couple showed a lot of self awareness and are in a great position to really be successful. Wishing them the best
This was a tearjerker. Very likeable and loving couple. I wish them much success together.
Love how Matt and Asha are as a couple. There's real love and respect between the two. Matt is truly compassionate, empathetic and caring. He has everything a partner needs in a romantic relationship. Kudos to both!!
As an oncology nurse, I can see how they convinced themselves of yolo however I also see the other side of patients coming in and their penniless and can’t afford care or medicines, it’s heartbreaking either way! This was a tearjerker for sure, they’re a lovely couple and I wish them well!
Matt's story is so similar to my father's. The way that he loves Asha, he reminds me of how my dad loves my mum. My dad grew up with very little and didn't eat everyday either. Really touched by this couple.
Matt is by far my favorite guest on this podcast. What a stand up guy, wishing this couple the best!
This episode had me in tears from beginning to end. Thank you Matt and Asha for sharing your story - Matt, you are such a good man, I see why Asha’s family is so grateful for your presence!
Until about 45 minutes in... I thought they were making $60,000/year between them! They were acting completely broke! As a RN, I can tell that Matt is going to make a great nurse! My husband and I have agreed that we no longer buy each other material gifts (aside from small things like flowers or a small token). We spend our money on experiences together instead. We have everything we need and we don't want to collect more junk.
When we completed the application and when I initially filled out the CSP. We were making about $100k combined. The numbers were 110% fixed costs and I was shocked and scared out of my mind thinking about what that would mean. We were fortunate that the business venture gained traction. If it had not ,this conversation would have been entirely different.
@@MattyGaylordthanks for giving a follow up comment! How are things half a year later?
@@Kevintendo Things have been variable over the past 6 months. A few health issues have come up and we've navigated those, but it has been the toughest quarter of our relationship. Luckily, we got it together financially before the next period of stress and surgeries came to be and I'm happy to say we are credit card and loan free sans the house and vehicles. Had we not been the stress might have broken both of us. But we made it through, and things are on the upswing again.
@@MattyGaylord that’s fantastic to hear!! Keep up the amazing work, y’all are an inspiration!
Absolutely loved this episode! It was good to listen to how he was raised and how he felt Asha was dating beneath her. How her parents were not in support of him, but then his display of love and affection showed them he was perfect for their daughter and thus came acceptance. As someone who grew up with the most basic of provisions, and having to make a way in this world on my own without familial support and guidance, I get how he could feel not good enough. Let me just say sir, YOU ARE MORE THAN ENOUGH! He mentioned he’s not smart, and how her family are all smarter than him. Sir! You have a HS diploma and managed to earn six figures. You’re smarter than you think. I wish them all the BEST!
And work for Nato and the grind to go to nursing school
I agree 100% . I know there are many stereotypes about indian parents (mostly true😆) but as a high school passout and probably the only one to do so in my entire clan, I can tell you.. Once I started making decent money, all the relatives appreciated it much more than they appreciated my cousins with engineering and doctorate degrees. My mom jokingly calls me her high return on investment child. So I'm sure Asha's parents noticed that about Matt too and that's why they agreed to marriage. We Indians do love a fancy degree, but that doesn't mean we don't respect the hard work and potential, above all the ROI, how can anyone overlook, getting such a high EQ son-inlaw with money making potential and grind as settling beneath. I think Asha made a great choice and her parents know it too (they just won't say it often, again not in our culture to show appreciation in words) . Matt should be proud of himself, coz we all know Asha is proud of her choice and that shows in her smile
I just want use this comment to express my appreciation to Matt and Asha for coming on this podcast and being open about their financial & life situation so that the rest of us could benefit and learn from this situation. It was probably super difficult for them to come on this podcast to talk about deeply private & sensitive situations people would usually never talk about in public.
I listened to this on my phone but had to come on UA-cam JUST to add to the plethora of comments. I was so moved by this episode. I am in awe and inspired by the vulnerability and courage this couple displayed. They care deeply for each other and are a beautiful couple doing beautiful things in the world. I wish them the best on their journey. And bravo, Ramit, for orchestrating such a deep and meaningful conversation on money that not only moved this couple but thousands of listeners too.
This episode was the best yet. Huge kudos to Matt, he displays such a high level of awareness in himself and such a level of love for Asha. I can’t imagine what Asha went through and she is so strong. Really hope for the best for these two. Thanks for the deep and interesting podcast Ramit, nothing else like this out there
Thank you Ramit, wow, this was literally my favorite episode. Matt is an amazing man, growing up as he did, making the leap to work for NATO and travel the world, and allowing his world view to change. I have met a lot of people with similar backgrounds when I worked offshore and they are mostly stunted in growth, unwilling to see a world beyond their small town and circumstances they were raised in. It was amazing to see him hear your perspectives and be open to shifting his viewpoint and make adjustments to his relationship with money and his partner.
It's also amazing to see so many couples come on the show who make so much money, but are unable to succeed with money due to their money mindset. It has always baffled me that 99% of people are unwilling to spend 10 dollars on a book and completely change their financial life, but your podcast really helps me see why. I have literally given your book to friends and told them it made me a half a million dollars and they still can't be bothered to read it, truly our mindset is so powerful.
Keep up the amazing work! I really hope you will do 1 or 2 year follow ups with some of your guests, that would be amazing to hear!
Thank you for saying this. It’s probably the one thing I really pride myself on and it felt really great to be seen by so many people and have them notice how hard I’ve worked on myself. We are hoping for a follow up in the future and really want to share the rest of the story with all the folks who care enough to listen.
I love having no worries about this couple's future. They just have a problem to solve, and it feels like they can make it through anything together.
This couple is a beautiful example of working things through together - they should be proud of themselves. 💗
I'm so glad they're both still with us! They seem like beautiful souls.
Absolutely. Watching them makes me believe in love again. The compersion is strong here.
This was such a great episode. Rooting for Asha and Matt! You can tell how deeply they love each other
I've binge watched about 7 episodes now and this was my favourite. Literally teary eyed at the end. Be encouraged Matt and keep well Asha. You are such light in this world, both of you. Matt - you sell yourself way to short. Asha being incredible as she is, would not be with you if you weren't absolutely amazing. You love her so well and your solid-Ness will keep you going until you're out of debt completely and are beyond your current troubles. You have overcome so much. All the best Matt and Asha.
One of my favorite episodes so far. Great couple and a super interesting story.
Matt's a peach, and he'll be a fantastic, empathetic, hard-working, kind nurse. His life experience will benefit his patients immensely.
Incredibly refreshing to see a couple that fights for and supports one another. Very moving episode and really rooting for them to make it!
I am team Asha&Matt! They are powerful overcomers.
This story was very emotional and powerful for me. What a lucky couple to have survived such trials and still be so clearly in love. I wish them all the best. God bless.
Love this couple! He is going to be an incredible, caring nurse!!
I listened to this episode, but then had to pop over to YT to put faces to this sweet couple. I really appreciate your insights beyond the numbers. In this episode in particular, your understanding and compassion shine through.
Matt and Asha are amazing! What a great episode, I experienced both happy and sad tears during this. I related so much with Matt and his upbringing. Seeing their hope gives me hope!
I love financial planning channels, but what sets this one apart is the level of compassion. I just watched your Netflix series, and your compassion shines out there, too. Its wonderful to see such a human, well-rounded approach to personal finance. Thank you for your content!
Hearing a man be so self aware and articulate is honestly amazing. I hope nothing but the best for these two. What a healthy relationship! ❤
That Matt went along thinking he was going to end his life if he lost Asha...I can somewhat relate to this..although I'm 68 and at the last 1/3 of life. The heartbreak of losing someone you love and are so connected to skews our thinking. Matt and Asha were courageous to speak publicly about their life. They gave a gift to all who listen. You have such a way with people Ramit...I wish them both the best.
What a beautiful couple. Wow, Matt. It’s not too often any of us see a man who can be vulnerable, honest, introspective, and wise. And his letter to Ramit at the end was perfect. My heart hurt hearing him mention suicide twice during the episode, though.
Coming from a family who also did not manage money well, I find these videos so healing....
The most humble couple with beautiful souls. Wishing them the best and prolonged health.
Matt if you're reading these comments try not to go towards dark thoughts. It's a beautiful world with many nice people that can help you and vice versa. We need more pure souls to help better our trajectory. Stay strong brother.
Their story is an example of how good people sometimes just get the $#!t end of the stick. Life just isn't fair sometimes. What a beautiful and sweet couple that I could relate to in so many ways. It's really such a gift that they have each other, the love between them is palpable. Thank you Matt and Asha for sharing your story with us. I wish you both the very best. ❤
This episode was so surreal to listen to. Asha and myself have a similar story - I've had open heart surgery as an adult and additional medical procedures at a very young age.... some of the most important surgeries and procedures happened by the time that I no longer had the umbrella of health insurance coverage from my parents. HDHP health plans depleted any savings I could ever make and I began a sinking fund YoY for my Out of Pocket (OOP) maximums around 4 years ago. This has helped me be able to stay on top of my finances in the last few years. It totally sucks to pay up to $5,000 every year (going on $25,000+ spent on healthcare instead of a home or other debt since turning 26 years old); but perspective is everything. I truly could have it worse.
Ramit - thank you for sharing the story that Asha and Matt have. Asha, all my love and well wishes to you for a healthy future. I think you both will be so happy to look forward to the future you didn't think you'd have together.
It can always be worse. This doesn’t make your experience any less valid. Knowing that every single year we are going to pay the max out of pocket makes it very hard to not be bitter. Especially when we see people around us who have never so much as heard of a co pay or spent hours and hours on phone calls arguing with insurance companies.
Oh goodness! When he said "if she goes I'm going too" I LOST it! 😭😭😭
I definitely can’t wait to hear this. I was misdiagnosed with cancer and we watched over 60 people die since Covid 2020.
All of my spending inhibitions went out of the window; we spent every dime and are now trying to claw our ways out of this circumstance.
Wow, way to make me cry today! For both their circumstances that they've overcome as well as how kind and encouraging you are. I hope Matt continues to gain confidence and they both have good health.
Y’all got the best relationship for situations like this. I got faith that these two will come out on top and be able to enjoy the journey.
They're literally the sweetest couple! Hope they're in a better place and still together in this life
This couple is so precious ❤. I’ll be praying for them. Matt, I’m an RN of 30+ years. You’re gonna be a rock star 🌟. Believe it!!
Thank you. I’m a firm believer that life experience and appreciating people’s struggles really makes a quality healthcare provider. We see it constantly in practice and there’s a world of difference between those who get it and those who don’t.
Ugh, I’m only a quarter of the way in and can’t stop crying 😢. Their love, bond and support for each other through good and bad times is truly amazing.
I really love this couple. They’re very kind to each other, and you can tell they love and respect each other. The guy is very humble (and maybe has low self-esteem due to his upbringing). She’s a brave, strong woman. I wish them both the best of luck and good health!
Absolutely my favorite episode, what a rich and beautiful story, I wish them the best
Great episode. I hope this couple gets to enjoy a looong prosperous and healthy life together. I am still half in, but as a European watching this... I feel most of what happened to them, was not their fault to start with. In a more "socialist" society Matt would most likely not have grown up in a trailer, he would have been able to study (if he wanted to, he is definitely smart enough to so do), Asha wouldn't get into medical dept (we have no medical depts, and people get a health-kind-of- pension to help them while they recove before going back to work!). I must admit that I am also surprised/confused on the role Asha's parents played in the economical aspect of her recovery. Or how her rich parents "allowed" Matt to sacrifice all his money prospects to support her, while it is clear that they could have taken some of this burden. But since we don't have their version, I don't feel is fair to judge them. Just my thoughts about this episode. Also their love and bond can only lead them to a beautiful life. I have no doubts.
Outstanding comment
It makes me so sad that people have enormous financial burdens placed on them for healthcare, when the health scare is alsredy heavy enough. I live in Canada, and am grateful for our free healthcare system! Socialism is not good in almost every area of society, but when it comes to socialized healthcare, I think we've hit the sweet spot.
Whoa this is the best episode!❤️❤️❤️❤️
What a beautiful couple. This is true love. You both have so much love and respect for eachother. I wish you both all the success, happiness and health. I'm sure you both are amazing healthcare professionals.
This was a really amazing podcast! Thank u to Matt and Asha for sharing your story. Wishing u both all the very best! :)
I love these two!
And I’m so glad that Asha is better now. They are lovely-both of them.
This couple ❤ Loved this episode and these two in general
I watched almost all episodes and this is my favorite one. I loved Matt, he is awesome. I wish this couple all the best
I really enjoy this episode, they seem really good people, I’m happy that she’s fine now, what a lovely couple
This couple is so awesome. I truly think they can do anything together. I wish them every good thing.
Hard thing with this dissonance reduction. It took me a long time to realize I may take the step by step approach concerning my candy overeating, and talk to myself : All right, now you're full but you want more. You'll only stop when you get sick. Continuing to feel good is not the way. What if you do some weightlifting for several minutes, then see how you feel ?
Such a great episode, I laughed and I cried! All the best to Matt and Asha. Thanks Ramit for being so understanding, compassionate and helpful.
I watch A LOT of personal finance videos, and this episode is absolutely top notch content. I love this couple; they're so open, honest, humble, and just generally likeable human beings, and the deep love they have for each other is plain as day. I can't even believe that was an hour and a half, it was worth every second.
Such a great episode and I can relate, my husband was diagnosed with a rare form of nasal cancer in Feb 2020, multiple surgeries, all was going good, then we get hit with it's back AGAIN and without this crazy surgery you have 6 months to live, this was December 2021, well we kind of starting living a day at a time and enjoying life, we got a second opinion and he decided to follow his gut feeling not to go through with the surgery, thank God he's healthy and thriving, but fast forward and now I myself carry close to 15k in credit card debt, just stated living life, some personal health issues that I had to put on the card, surgeries, dental work and here we are, but since I came across your channel, you've opened my eyes more, i was already looking at the future and how I don't like having this debt, but you've encouraged me to want to start hustling again on the weekends and put that money towards my debt. Thank you
What a beautiful couple with great communication! It was such a beautiful story, had me in tears
I fell in love with Matt! So self aware & honest. What a beautiful couple & story! ❤
Great episode, a great couple with an interesting story. Agree with all the comments on Matt - I find the best shows are when the couple roughly talks equally and are connected, and Matt was very self-aware and humble. The two have had a hell of a life. I wonder where they live - Matt's drawl made me think the south or Appalachia.
Your health is your wealth, these guys deserve the best they have the most important thing each other 💕 hope they make it !!!
First time watching on youtube instead of podcast. I really like the use of visuals for numbers.
Highlights for me are their intellectual honesty, self-reflection, and the love and respect they show each other. Wow. I loved this episode.
Such a heartwarming conversation.
Matt, you're bloody amazing, and you did everything right. Asha, so glad you're healthy and happy now.
More power to you both, I'm super confident you'll both get your financials in order. Life throws curveballs sometimes and there's very little we can do about it, but you both make such a strong couple and I hope you're doing well now.
Qué gran episodio! Ram llevas la conversación mas allá de los números y las finanzas, tener empatía y guiar a la audiencia a que la tenga es uno de los regalos que poca gente he visto que pueda inyectar en otros, especialmente en social media. Esa pareja está lo máximo!!!! Que historia tan real, llena de sube y bajas y así es la vida, pero poder afrontarla y tomar los consejos para un futuro mas provisorio es algo que aprendí junto con Matt y Asha. Gracias por compartir y lo mejor está por venir. Este es mi primer episodio y me enganchó. =)
Omg! I just love Matt, and I have not gone through the whole video. So much love, care and respect for each other - you make me believe in humanity and profound feelings for another person.
You are amazing bringing us the beautiful stories and opening the curtain into what has been culturally taught to not speak about. We are learning so much from these interview. Thank you so much to your guests will to let us in. We can only from each other. ❤
Haha, as an Asian mom, I literally lie to my daughter every single day. “ if you don’t take bath , the spider gonna bite your stinky toes 😂” She would go to take bath immediately. It works all the time so far. She is almost 3.
This whole thing was just so beautiful from start to finish! Thank you all for sharing this journey!
Matt and Asha, I’m rooting for y’all!! Cherish each other ❤😊
This has been my favorite IWT podcast yet! I’ve been catching up with all of Ramit’s content over the last couple of months, and these real stories are awe inspiring. I wish these 2 the best! Their story is incredible!
I have watched many of these but boy, do I like and admire the couple the most. Some of the couples have been likable but these two are the best! I just want them to succeed and have a long healthy life.
What a beautiful love story they have. They are each other’s true love as well as inspiration. It was easy to see with a bit of guidance they’d get to the right place with their finances
Love this couple. This is so real.
I hope they will have a long and happy life together. I am a 74 year old widow who was married for 51 1/2 years when he passed from Agent Orange complications. He didn't work for 30 years but I had a decent job and I worked until I retired. We had our ups and downs but we loved and respected each other to the end. No kids so I go on alone. I am comfortable financially with an income of about $85k. Only debt is my home and savings of almost $95k.
Awesome couple. May you have a wonderful life going forward. God Bless.🙂🇨🇦
Well I can’t get mad this two. Ugh best luck to them and it’s a beautiful story. Despite the somewhat of carelessness of their finances.
I love their energy, wishing you all the best
I wanted to cry this entire episode just hearing about their incredible relationship and their emotional maturity that they approach their relationship with. How beautiful.
Hands down my favorite episode so far!
Once again, this is the GOAT Podcast
The most beautiful Conversation! What an incredible love story!
What a beautiful, loving couple. Praying for them to persevere through this and spend the rest of their days together. Love their love!
This is the best episode I have watched by far ❤
I love them. They’re going to be just fine ❤. What a beautiful love. I grew up in poverty, so I have his same mindset that I can survive anything, but living in poverty also taught me to work hard to never struggle to experience poverty again.
Hi Ramit, I just started to watch your content...These are amazing and it sends light on real REAL situations we can relate too. Good on ya! Also, you're right, we as parents always lie to our kids LOL. We say we'll take our kids to the police all the time...AND IT WORKS!!!!
Beautiful humans. Beautiful story. Wishing them well for the future. ♥♥