“I make 5x my bf’s salary-but I’m about to lose my job”

Поділитися
Вставка
  • Опубліковано 24 вер 2024
  • Ramit Sethi of I Will Teach You To Be Rich talks to Mindy, a 39-year-old software consultant, and Victor, a 25-year-old boxing gym owner. They have fundamentally different views on money, and it’s causing tension in their relationship. Mindy wants an equal partner, but Victor struggles to talk about money-and they won’t get married until they’re on the same page.
    💡 RAMIT’S PODCAST NEWSLETTER
    * I share new ways to think about money every Saturday. Get the emails here: iwt.com/podcas...
    🙌 GET HELP FROM RAMIT SETHI
    * Pre-order my upcoming book: Money for Couples: iwt.com/moneyf...
    * Sign up to attend a live event on my book tour: iwt.com/tourwa...
    * Take control of your money with the Conscious Spending Plan: iwt.com/csp-yo...
    * Optimize your credit cards with the 1st chapter of my book: iwt.com/chapte...
    * Join my Money Coaching program for monthly help: iwt.com/moneyc...
    * Listen to my book-now on Audible: amzn.to/48zko28
    * Get my no-numbers journal: amzn.to/3j6Tmuf
    🤳 CONNECT WITH RAMIT SETHI
    * Instagram: / ramit
    * X: / ramit
    ✅ SUBSCRIBE SO YOU DON’T MISS ANY EPISODES
    / ramitsethi
    THIS EPISODE IS BROUGHT TO YOU BY
    Trust & Will | Secure your assets and protect your loved ones. Get 10% off plus free shipping on your estate plan documents by visiting trustandwill.c....
    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 drinklmnt.com/....
    99 Designs by Vista | Get $50 off your first design contest at 99designs.com/....
    DeleteMe | If you want to get your personal information removed from the web, go to joindeleteme.c... for 20% off.
    Our Place | Use code RAMIT to receive 10% sitewide at fromourplace.com.
    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: iwt.com/apply
    Produced by Crate Media.

КОМЕНТАРІ • 409

  • @ramitsethi
    @ramitsethi  15 годин тому +12

    00:00 Download the Conscious Spending Plan so you can use your money GUILT-FREE: iwt.com/csp-youtube
    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.

  • @whenwear7480
    @whenwear7480 11 годин тому +184

    I’m baffled by why so much time was spent talking to the 25 yo about his financial goals and no time talking to the 39 yo who is about to lose her jobs in 3 months, with seemingly no prospects in the pipeline and very little savings to keep them afloat. Honestly, it feels like she’s distracting herself by focusing on him.

    • @theyoungazn
      @theyoungazn 9 годин тому +5

      My thought too.

    • @chadDickerson-s8m
      @chadDickerson-s8m 9 годин тому +31

      She wants a 25-year-old who is still figuring out life to step up and protect and provide for her, but he hasn’t developed those skills yet. He’s still growing. She chose the wrong partner and is stuck in a cycle, expecting someone without the necessary experience to save her. That’s unfortunate.

    • @whenwear7480
      @whenwear7480 9 годин тому +10

      @@chadDickerson-s8m In my experience, expecting anyone to save me was where I messed up.

    • @garyish
      @garyish 8 годин тому +6

      Exactly. Smells major deflection strategy. He’s not good for a 25 year old but she’s terrible for a 39 year old

    • @gigimunguia5136
      @gigimunguia5136 4 години тому

      I think she's waiting for him to step up. Yeah, I'm not sure that's going to happen.

  • @jaykay360
    @jaykay360 15 годин тому +328

    Lmfao 39 and 25! These are VASTLY different phases of life. It's lowkey like a highschooler being annoyed at a kindergartener for not acting "grown up" 😂😂😂

    • @janettacoronte860
      @janettacoronte860 14 годин тому +32

      She has been raising him since he was 19.

    • @Kinsale101
      @Kinsale101 14 годин тому +47

      *grooming

    • @AAPAI_24
      @AAPAI_24 13 годин тому +23

      @@Kinsale101 Honey , no. An adut with an adult. Take your prejudice elsewhere.

    • @AF2277S
      @AF2277S 13 годин тому +40

      @@janettacoronte860”has been raising him” you mean grooming him the whole time? If this was a 33 year old man and 19 year old women that is exactly what people would say

    • @orhbo0
      @orhbo0 13 годин тому +12

      @@AF2277Sno, they would say the girl wants a sugar daddy

  • @cocoachera
    @cocoachera 13 годин тому +300

    I don't understand why there's confusion...they aren't a match. That's very clear. People really do make relationships complicated for no reason.

    • @ntimn8r
      @ntimn8r 10 годин тому +7

      You're 100% right.

    • @Crimzin8
      @Crimzin8 7 годин тому +5

      They should have compared Zodiac signs before they got together I guess. 😅

    • @arpitakodagu9854
      @arpitakodagu9854 7 годин тому +18

      @@Crimzin8 She should have not expected a 25 year old to act like a 39 year old.

    • @fumanchu9701
      @fumanchu9701 7 годин тому

      He’s in it for the poon-tang 😂

    • @IngridGreen
      @IngridGreen 5 годин тому

      @@arpitakodagu9854 if they've been dating for 6 years, and he's now 25...

  • @aas55
    @aas55 14 годин тому +127

    It’s interesting to hear Mindy talk so much about investing and saving to start the podcast, then you see the numbers and realize she hasn’t been doing any of those things.

    • @pairofdragonflywings
      @pairofdragonflywings 14 годин тому +10

      But she feels like she "should" be doing these things. So, the shame has it at the forefront of her mind. (I haven't watched anything in this video yet)

    • @SuzanneU
      @SuzanneU 13 годин тому +19

      Mindy said that she had only recently started investing - since she read Ramit's book! Recently is not defined but it's very few years.

    • @Ps7apple
      @Ps7apple 8 годин тому +1

      Yeah, she got to stop like she is a know it all. The number doesn’t reflect that.

    • @Aquaria2291
      @Aquaria2291 2 години тому +1

      ​@@Ps7apple the number only reflects that she hasn't been investing long.
      She might not have been knowledgeable from 18 - 38, but that doesn't mean that she isn't knowledgeable at 39.
      Some people are late bloomers when it comes to personal finance.

  • @Melainesgil
    @Melainesgil 14 годин тому +159

    There is a saying in my country that goes “ when you sleep with a baby, you will wake up wet.”
    Not sure what she, as a 33 year ild was thinking when she decided to start a relationship with a 19-year-old. It is not fair for her to ask him to be her equal. 14 years difference is a huge gap in personal development. They should each find someone more compatible and who is at their same stage in life.

    • @ignaurat
      @ignaurat 13 годин тому +4

      Sounds Dominican!

    • @jwarnstarsmile
      @jwarnstarsmile 11 годин тому +2

      I was 20 and my husband was 32 when we got together. I don't believe it's an age thing, it's the stages in life and values. Do they align, or not. Clearly here they don't align.

    • @denomen3391
      @denomen3391 10 годин тому +11

      @@jwarnstarsmileit’s a little different when the man is older because women are socialized to be more “mature” but that’s still really weird

    • @mrs.quills7061
      @mrs.quills7061 10 годин тому +4

      @@denomen3391yeah I agree even a 10 year gap is weird to me. I’m in my 30s and could never date someone so young. Nor would I expect them to be at the level I’m at financially or emotionally.

    • @jwarnstarsmile
      @jwarnstarsmile 9 годин тому

      @@denomen3391 I'm sorry you feel that way. We've been together for 16 years and it's never been an issue.

  • @claricetweeten2970
    @claricetweeten2970 8 годин тому +72

    I think it would be cool if Ramit had a discussion with his wife on his podcast and they discussed their financial relationship together. They could set an example of what a healthy relationship surrounding finances looks like

    • @mailanphan12
      @mailanphan12 7 годин тому +9

      Yes! I've been saying this for months. Ramit, show us your CSP! :)

    • @michellegreen1072
      @michellegreen1072 Годину тому +1

      All his zeros wouldn’t fit in the screen! 😂😂😂
      Or maybe he can show it like this:$100e9😂😂😂😂

  • @hdsensing
    @hdsensing 12 годин тому +54

    They need to face the reality that they can both be great people...but not the lifelong partners for one another.

    • @majorfomo2
      @majorfomo2 10 годин тому +2

      She can date him but he’s not a life partner to her. He’s not ready for that role.

  • @Faben202
    @Faben202 14 годин тому +84

    Different life stages. I’m 43 and cannot imagine myself with a 29 year old.

    • @AAPAI_24
      @AAPAI_24 13 годин тому +4

      I have been there: but I didn't want marriage or demanded any financial responsibility of him . I had my money and situation, he had his. He did very well for his age, was mature and financially sound. We shres and then had our own expenses. We were a couple but didn't live together or planned to marry (I was out of a long term marriage). It ended when it had to end (i did) but at no point i thought of demanding of him to be someone he isn't.

  • @Alex-lp6bg
    @Alex-lp6bg 15 годин тому +247

    She chose a 14 year younger boyfriend. What did she expect?

    • @DreamsOfLegend
      @DreamsOfLegend 15 годин тому

      EXACTLY... Unless she's REALLY trying to get that VIRILE SPUNK for her eggs that are left

    • @aas55
      @aas55 14 годин тому +47

      Bro they got together when he was 19 and she was 33 🤦‍♂️

    • @joycef8443
      @joycef8443 14 годин тому +4

      @@aas55wow!

    • @SuzanneU
      @SuzanneU 14 годин тому +7

      He chose a 14 year older girlfriend!

    • @AAPAI_24
      @AAPAI_24 13 годин тому +13

      Judgement much? I have a 25 year old nephew that at 24 had already bought his own place. In a region where stable employment is hard to come by and most people live with their parents well into their 30's and 40's. He doesn't have a Bachelor or masters degree but studied a professional qualification and started to work as he studied. It is not a matter of age, it is a matter of knowing what a person wants, having a certain money mindset and going for it. While his mates were out getting drunk, he was focused on getting his place. His girlfriend is almost 6 years older than him. This couple here just have very different money mindsets and aspirations: perhaps a traditional relationship based around marriage is not the best one until they can be clear on each person's roles.

  • @MissGirl1450
    @MissGirl1450 10 годин тому +60

    What in the hell is a 33-year-old woman doing dating a 19-year-old? Forget money. That's a huge power difference. My guess is he stopped maturing at the moment they got together as she stepped in as mother/lover and takes control. Then she gets frustrated he's not mature. I hope he gets out of this relationship so he can grow and mature in a healthy way. This is why big age differences at a young age are so unhealthy. If they met at their current age, it wouldn't be a big deal.

    • @tmi4507
      @tmi4507 10 годин тому +8

      This is a really good point. I never thought of it that way, but it makes complete sense. He needs more of his years in his 20s by himself to mature more. 🎉

    • @Aquaria2291
      @Aquaria2291 2 години тому +1

      I think he's actually doing fine, in regards to maturity.
      He's only 25.
      That's a baby. 🥺
      When I was 25, I was not worried about spreadsheets. I was putting like 7% in retirement and using the rest to go to bottomless brunch and Aruba. 😂
      It is perfectly normal for a young person in their 20s to not be super financially savvy, and to want to focus on enjoying life.
      She wants him to be 39, and he's not.
      If she can't give him the time he needs to grow up, she needs to go be with a man her own age or older, and let him be with a young woman who wants to grow with him.

  • @kman20
    @kman20 15 годин тому +188

    Kind of crazy. She’s starting her prime earning years and he’s just starting his career. They’re in two different places financially

    • @mrs.quills7061
      @mrs.quills7061 10 годин тому +7

      I think the age gap doesn’t help either. My mindset and financial situation was way different than when I was in my 20s.

    • @IQLion
      @IQLion 9 годин тому +1

      I also find it interesting that when she is talking about taking time off, instead of talking about how she will further her career and maybe grow herself for the next job, she is talking about stepping back and figuring out what she wants to do going forward. Sure, I know there are instances where someone may need to reassess. But the fact that she seems to be jumping straight from a high-paying job into consulting (aka running her own business) appears to me that she is trying to get on the same level as him.

    • @dquan731
      @dquan731 9 годин тому

      It’s not about how much you make. It’s about your money mindset. If he was more financially savvy, she would be happier. If he understood how much he makes, how much he spends, saves, and invest, I really think she would be a lot happier.

    • @denomen3391
      @denomen3391 5 годин тому

      @@dquan731 no because she still wouldn’t want the simple life he wants

  • @Rashaadthegr8
    @Rashaadthegr8 11 годин тому +26

    Newsflash if we are not married my money is Not your money.

  • @slaven18
    @slaven18 14 годин тому +178

    So, they started when he was 19 and she was 33? What did she expect? 14 years is very big gap in career development, but also in personal development. Especially when younger person is still in early to mid 20s. They are in totally different phases of their lives.

    • @saeedhossain6099
      @saeedhossain6099 11 годин тому

      she groomed him, saw a poor victim and took advantage.... it's pretty textbook.

    • @mrs.quills7061
      @mrs.quills7061 10 годин тому +6

      That’s what I was thinking too that’s a super big age gap with different expectations. Not just financially, but emotionally and your mindset is different. I’m in my 30s but in my 20s I was a different person and how I navigated the world.

    • @nocturnalresident
      @nocturnalresident 10 годин тому +1

      Bizarre.

    • @arpitakodagu9854
      @arpitakodagu9854 7 годин тому +6

      Call her what she is. A 33 year old man dating a 19 year old would be called a predator.

    • @saeedhossain6099
      @saeedhossain6099 7 годин тому

      @@arpitakodagu9854 agreed, I said something to the same effect and UA-cam auto censored it. she saw a mark and decided to pounce on them, regrets the payout wasn't as big as they hoped.

  • @nickbegnaud
    @nickbegnaud 14 годин тому +37

    He's in his mid-twenties. Despite the dreamer mindset, he already sounds like he's getting realistic about his future especially for the industry he's in. He'll get to where he needs to be, but her timeline seems like she wants someone ready for their forties

  • @blurrydog1
    @blurrydog1 12 годин тому +33

    Been together 6 years? 19 yr old and 33 yr old? how did they even meet 💀

    • @Britt4880
      @Britt4880 9 годин тому +7

      Right like was she patrolling high school graduation ceremonies 👀

    • @Aquaria2291
      @Aquaria2291 2 години тому +2

      I wonder if she met him on vacation. Like if she went to PR and met him there and he moved to the mainland for her.
      I wish Ramit would have asked.
      I feel like he left so many stones unturned this time lol.

    • @FearhandWinner
      @FearhandWinner Годину тому +2

      @@Aquaria2291Caleb would have gotten to the bottom of it

    • @Andrea-v5b
      @Andrea-v5b 20 хвилин тому

      @@FearhandWinner period lol 😂

  • @tylersanders2388
    @tylersanders2388 13 годин тому +32

    She was 33 and started dating a 19 year old. She is not going to get the financial security she is asking for with such a young guy. He seems like he is making strides to become better. She needs to save up her own emergency account and safety net as the much older one

  • @Mushroompanda648
    @Mushroompanda648 7 годин тому +15

    I love how everyone in the comments watched this episode and came to the same conclusion: why are these people together?! The age gap alone is cringy but the fact that they have differnt life goals is a red flag. Its time to move one and find someone they are more compatible with.

  • @chadDickerson-s8m
    @chadDickerson-s8m 9 годин тому +12

    She wants a 25-year-old who is still figuring out life to step up and protect and provide for her, but he hasn’t developed those skills yet. He’s still growing. She chose the wrong partner and is stuck in a cycle, expecting someone without the necessary experience to save her. That’s unfortunate.

  • @wendyp3613
    @wendyp3613 12 годин тому +77

    Their incompatibility is not just the age gap AND the finances (which is a LOT), it is also goals, lifestyles and life stages, expectations, communication issues. and it's been 6 years! Also-- hate to admit but he's pretty consistent with who he is; she is contradicting!!!! She needs to find a teammate who meets her expectations and more in line with her goals. He too! Good pod. Different couple/issues.

    • @denomen3391
      @denomen3391 4 години тому +1

      Couldn’t help but notice when Ramit asked them about their individual rich lives, Victor still included Mindy and what she wanted while she only mentioned what she wants and dragging him with her even if he doesn’t like it. She answered the question properly but it really shows how differently they think

  • @fightsportspace7327
    @fightsportspace7327 6 годин тому +29

    I’m only 15 minutes into the video but why is Ramit skipping over the fact that Victor pays 78% of his income on fixed costs, while Mindy only pays 48%? 🤔 🤨

    • @bintejaved6906
      @bintejaved6906 3 години тому

      I was thinking the same thing

    • @racquelholness169
      @racquelholness169 3 години тому

      but all the savings for holidays etc is 100% on her though

    • @destinyschild5768
      @destinyschild5768 3 години тому

      Yea Ik…

    • @bintejaved6906
      @bintejaved6906 3 години тому

      @@racquelholness169 she is the one who wants to go on the vacation and he makes a lot more than him .. idk

    • @Aquaria2291
      @Aquaria2291 2 години тому

      ​@@racquelholness169 he doesn't even want to go on vacation, he wants to stay home. 😂

  • @AccordingtoNicole
    @AccordingtoNicole 7 годин тому +8

    He's 25. She's old enough to be his teen mom and that's exactly what she is.

  • @o0usf0o
    @o0usf0o 11 годин тому +27

    At 25, i was broke as s**** too.... probably less direction then this guy as well. hes still trying to figure things out and that takes time.

    • @Aquaria2291
      @Aquaria2291 2 години тому

      Okay!
      I was broke asf with 10 housemates, having the time of my life using whatever money I had on guilt-free spending. 😂

  • @danada45
    @danada45 15 годин тому +36

    25 year old boyfriend??? Bruh...

    • @tomaszp2027
      @tomaszp2027 13 годин тому +6

      33 and 19 yo to start with. Dude...

  • @TatianinDen
    @TatianinDen 15 годин тому +52

    Mama talks to her “son” …she wants security asking it from person who is 14 years younger… do you remember yourself as 25 yo? You are basically still a child at this age…

    • @GiftofGod289
      @GiftofGod289 11 годин тому +4

      Just a couple hundred years ago, at 25, men conquered entire continents with pointy sticks, explored the seas on little more than wooden rafts, and built wonders of the world and great civilizations with stones and wood.
      25 is plenty old enough.

    • @TatianinDen
      @TatianinDen 11 годин тому +3

      @@GiftofGod289 maybe … hundreds years ago…don’t see this now in modern times

    • @cognitive-botanical-therapy
      @cognitive-botanical-therapy 10 годин тому

      yikes

    • @garyish
      @garyish 8 годин тому +2

      @@TatianinDen even possible today.. I was at my 2nd job at 25 and already had 15k in savings.. I am 39 now so basically this woman’s age and I am a millionaire.
      Tbh, she’s a bigger disaster than him if she’s worried about losing a job and has no emergency funds to cover. Everybody loses a job at some point.

    • @TatianinDen
      @TatianinDen 6 годин тому +1

      @@garyish good for you! Bravo!

  • @garrywilliams1696
    @garrywilliams1696 14 годин тому +26

    An epiphany kinda... people spend untold hours scouring tiktok, Instagram, X and can tell you all about politics or Diddy crap but you ask them what they make a year and they are clueless? What's their aprs on debts, dunno....it's wild AF.

    • @JF-vw9lv
      @JF-vw9lv 10 годин тому +1

      There are two types of people....people who use resources such as time, the internet etc to their advantage and people who squander the same resources.

  • @rebeccawcleung
    @rebeccawcleung 7 годин тому +11

    I think it's on her, to be honest... who in the right mind at 33 would have a 19 years old boyfriend?? What did you expect?

  • @ShravanAvyuktaVlogs
    @ShravanAvyuktaVlogs 9 годин тому +11

    Money For Couples!!!! PERFECT. Way to go Ramit. Awesome rebranding.

  • @MoneyMindsetCoach3
    @MoneyMindsetCoach3 13 годин тому +22

    They really don’t seem very compatible to me, she wants to travel he likes routine, she gets bored with routine?

  • @maximusdecimusmeridius5438
    @maximusdecimusmeridius5438 12 годин тому +16

    They aren’t even married so no combining income

    • @Hiding11
      @Hiding11 11 годин тому +2

      Absolutely! @ramit?

  • @TonyCox1351
    @TonyCox1351 11 годин тому +21

    In general, most gym owners are broke. I’m not knocking it, I used to be in the industry, it’s a tough one. But if you date a gym owner you should expect most of the time they are barely scraping by.

  • @Orbit949
    @Orbit949 8 годин тому +16

    I would like to know how she handled money at age 25, by the look of it, she also didn’t value saving and investing at that age. She’s playing catch up
    Edit: after finishing the video, I guess there isn’t use in dwelling on the past. If they are setting boundaries and working on their relationship with themselves and money -good for them. Good luck to both. It’s hard out here

  • @Tealzeal
    @Tealzeal 9 годин тому +11

    this was a really great episode. the "love isn't enough" parts really resonated. i think this was such an important message to have the hard conversations with our partners! that's the only path towards either getting aligned or deciding that this isn't the relationship they want to grow old in. either option is fine but avoidance of the real issue is not. thanks to the guests for letting us observe this difficult realization/discussion.

  • @trevorkruse
    @trevorkruse 12 годин тому +15

    Staying single is so much easier

  • @jcabslovesu2
    @jcabslovesu2 5 годин тому +7

    I am confused as to why we are even talking about their finances together when they aren’t even married yet. Victor is also very young compared to her. He will eventually feel the need to figure out his finance when he reaches late 20s to early 30s. She is already in her 39 and expects a 25 years old to mature faster to be on her level??? Read the room lady, This will never happen. GROW UP
    I THINK she wants him to earn a lot of money so she can go travel every month. While he is earning good for his age especially in Ohio. IF she wants to travel, earn money, she needs to leave this man alone!

  • @albshel
    @albshel 11 годин тому +7

    It almost felt that Ramit was trying to get them to break up. Like, he doesn't think they are good together. But he stopped just short, saying that they should assess the future of the relationship, and whether they see themselves getting married, and if not should they remain together.

  • @nerdcave0
    @nerdcave0 12 годин тому +12

    When Ramit asks if she'd be ok with this dynamic continuing for the next 20-30 years, she gives a very decisive "absolutely not." I think that's what he means by "get impatient with your life," except apply that fire to now.

    • @stevemaurer2259
      @stevemaurer2259 9 годин тому

      Kinda wondered that too, especially when she retires 14 years before him and has nothing going on while he’s working and scraping by

  • @carioca1983
    @carioca1983 8 годин тому +7

    They are absolutely and unconditionally incompatible. The best solution for them would be to separate. Period. They have different interests and goals in life. They are in very different phases of life. Sorry to say, but they are not meant to be with each other.

  • @Tammy.822
    @Tammy.822 13 годин тому +14

    Large age gap aside (although I'm not sure what a 33 year old expects when they start dating a 19 year old), I don't think they're compatible. They don't view money or life the same. What's even the point?

    • @maijaelysian
      @maijaelysian 12 годин тому +5

      and what’s crazy is. The compatibility is highly due to the age gap that we can try to ignore. It’s not something that’s excusable and is the main factor in this.

  • @Andrea-v5b
    @Andrea-v5b 9 годин тому +8

    He’s 25 his frontal lobe has barley developed she’s 39. I’m 31 and would feel like I’m emotionally mentally taking advantage of someone. They’ve been together for 6 years. So that means… he was 19 and she was 33… uhhh…

  • @KiingM
    @KiingM 12 годин тому +24

    What happened to the CSP at the beginning!!!! Also love the title change, makes sense to me.

  • @ritalally7018
    @ritalally7018 14 годин тому +20

    Sorry to say and no dis respect but I think the difference in age, maturity and what they want out of life is too great and they will end up parting ways. This is not a huge issue for a 25 year old man but it is for a 39year old woman so for her in particular, maybe some counselling to really analyse what she wants and if all the imbalances are too much then a break up sooner rather than later might be best for both. Best of luck to them.

  • @bibiblocksberg2081
    @bibiblocksberg2081 7 годин тому +6

    This guy doesn't need a therapist - he's happy. 😂

  • @gomezdiana84
    @gomezdiana84 14 годин тому +14

    If I didnt already absolutely love Ramit, I do now after he said in the ad that hes not good at design but is good at dealing with trolls that tell people having more than a kid is irresponsible. Ramit... I appreciate you soooo much! ❤- mom of 4 and loving it.

  • @isaiassoares7023
    @isaiassoares7023 14 годин тому +14

    Age and cultural differences and earnings are going to be very difficult to overcome.

    • @AAPAI_24
      @AAPAI_24 13 годин тому

      I would say mostly cutural differences and money mindset. Her expectations are difficult to match

  • @bleepbloop4826
    @bleepbloop4826 8 годин тому +6

    I think when she loses her job that will probably be the breaking point of their relationship. Like how are they going to make this work when her money goes down? She will want to buckle down and be tighter with money and he's probably just still thinking about having money in the moment (which is very common for people in their 20s).

  • @anakitasmiles3261
    @anakitasmiles3261 13 годин тому +8

    Age is not always a factor, but it typically is. They have different approaches to finances and want different things in life. What she wants in a partner is the maturity and foresight to think about the future, but unfortunately most men in their mid-20s arentlike this

  • @amyoates106
    @amyoates106 5 годин тому +4

    It's amazing to me as I watch these podcasts how important it is to be on the same page regarding finances yet how much most couples are not and what the consequences really are!

  • @MsJai_1
    @MsJai_1 15 годин тому +53

    YIKES! This should be interesting - major age gap, vastly different incomes and lifestyles.... HE WAS ONLY 19, and she was 33?!
    Realistically, I do not see them being together for much longer because this is 10% about finances and 90% about them being an unhealthy mismatch!

  • @BoredFlamingo2020
    @BoredFlamingo2020 3 години тому +3

    What a great look into how money psychology really isn’t that obvious and can cloud so much of our judgement in our relationships. It was heart wrenching to watch a couple talk about maybe having to breakup to be successful individuals.

  • @Edward-hn8ed
    @Edward-hn8ed 14 годин тому +26

    Ol girl out here cougin.

    • @Ang-wu2bt
      @Ang-wu2bt 14 годин тому +5

      Best comment ❤

    • @ylee5050
      @ylee5050 10 годин тому +2

      😂

    • @JF-vw9lv
      @JF-vw9lv 10 годин тому +2

      Better trademark "cougin" otherwise I'm stealing it and slapping it on some t-shirts

  • @dawnt5587
    @dawnt5587 13 годин тому +13

    They are not compatible.

  • @a-moon
    @a-moon 14 годин тому +4

    I think reassurance comes also from a belief that woman can only overreact. So, if you think she is overreacting, it makes sense that he is trying to reassure her because.
    Not saying he is a bad person. I think it is one of those cultural scripts that most of us carry

  • @justxdruu
    @justxdruu 11 годин тому +10

    What did she think would happen choosing someone that much younger, financially & mentally they are in different stages of life

  • @SaveNStuffwStephanie
    @SaveNStuffwStephanie 12 годин тому +13

    Underlying issues outside of money 💰. Its a mother/son dynamic

  • @anjalianthony1656
    @anjalianthony1656 12 годин тому +26

    She needs to release this poor man from her relationship trap and find someone closer to her age and life stage.
    He is in his mid-20s & is entitled to take his time, make mistakes and to figure out his own finances without the pressure of having to support her.

  • @uhnonymous2374
    @uhnonymous2374 12 годин тому +19

    Not enough conversation around the predatory age gap. There's a huge power dynamic and she's definitely using it to mentally manipulate him. He is a victim.

    • @anjalianthony1656
      @anjalianthony1656 12 годин тому +6

      Totally agree - I find the age gap creepy! Why can’t she find some closer to her age and who is more ready to get serious about their finances!

    • @nono99136
      @nono99136 11 годин тому +1

      Yawn... They're both adults, get over it.

    • @anjalianthony1656
      @anjalianthony1656 11 годин тому +5

      @@nono99136 lol. Then why is she complaining that her toy boy isn’t serious about his finances!

    • @JF-vw9lv
      @JF-vw9lv 10 годин тому +3

      ​@@anjalianthony1656He is an adult and can leave anytime. If at 19 he had murd-red someone he would be convicted as an adult and sent to an adult prison....so he was and is old enough to decide to date someone older.
      Her problem is she has a 15 year head start and expects him to be at the same place as her.

    • @MissGirl1450
      @MissGirl1450 10 годин тому +3

      Yep, if the genders were reversed there would be more talk about a controlling relationship.

  • @MrJamesmac1200
    @MrJamesmac1200 10 годин тому +8

    I rarely comment on these videos but like many of the commentators on this video, these two are not a match. I'm 45 years old and my goals and ambitions when I was his age were different from now. She is too much like a motherly figure to him. Also, does he want kids? Both of them seem cool, but as a couple, I don't believe it'll work.

  • @gigimunguia5136
    @gigimunguia5136 4 години тому +2

    I have a 25 year old son. No ma'am, he's still maturing. He's still a baby. It's just a phase, please walk away now. It doesn't get better.

  • @princessrico19
    @princessrico19 13 годин тому +9

    I think they need to separate. She needs an older, steady man who already "figured it out".. I mean, he is very young. But hey, who knows if he "figure it out"

  • @JoseRobertoLopes-rr9kp
    @JoseRobertoLopes-rr9kp 11 годин тому +4

    Ramit always does his best! Good job!!!

  • @alexiscalderon5343
    @alexiscalderon5343 4 години тому +4

    When Mindy talked about the kind of person Victor was and began crying it was absolutely beautiful. I'm hoping they can solve their issues.

    • @Aquaria2291
      @Aquaria2291 2 години тому

      He's a good man, Savannah!! 😭😭😭😭

  • @destinyschild5768
    @destinyschild5768 3 години тому +2

    Something I learned about this and similar couples like this on the channel is be careful who you get into relationships with. Just because you love and care about this person it doesn’t mean you’re compatible. For Mindy and Victor to continue the relationship would require a lot of compromising from one partner (most likely Mindy) because they’re not on the same page and Victor can’t help his age and lack of experience. I really concerned for Mindy when she’s not receiving a paycheck anymore. I wish Ramit spoke more about that and asked if she has an emergency fund and how much does she expect to depend on Victor…

  • @BingingInPeace-ev3bp
    @BingingInPeace-ev3bp 5 годин тому +6

    Not gonna comment on the age gap b/c it’s been commented to death BUT I’ve been the younger one in several relationships and I was the more financially savvy one.
    What I did learn from these relationships is that I didn’t want to get married and that I didn’t want to legally combine money but I wanted to share a life with that person and that did require us to discuss money.
    I think those who consider this couple’s interview invalid because they are living together and not married, that’s silly. Marriage is not very everyone. Marriage isn’t forever. Sure it creates a legal framework for dealing with money but people get hosed in divorces all the time. My point is that many people live together and their unions are just as valid as any other relationship combo. Plus marriage rates are going down so Ramit is smart to not include a couple that for sure a part of his audience can relate to.

    • @bcomvideoactivity
      @bcomvideoactivity 4 години тому +2

      I dont mind that Ramit is doing an interview with this couple for the reasons you mentioned above. However it feels really silly to have a whole conversation around ‘household income’ with an unmarried couple. They have not committed to a shared life/vision/each other yet, hence arent morally or legally bound to be responsible for the other person, make sacrifice, prioritize the other person well being. their incomes and expenses should be reviewed separately, and they can talk about whether shared visions and goals are possible.

    • @bcomvideoactivity
      @bcomvideoactivity 4 години тому

      unmarried couples arent invalid - obviously married couples start out as an unmarried one first. Im not even saying one is better than the other - there are bad marriages and amazing relationships. But a dating relationship is just not the same in nature as a marriage relationship.

  • @jasminl8742
    @jasminl8742 10 годин тому +13

    This was disappointing to watch. How can you ask the low earner who is just getting started in their career to take charge of their finances when the high earner loses their job. And they’re not even married! Yes you live together but why live with someone if you are so unhappy with how much they earn. I feel bad for this guy because it feels like he’s being told he’s not doing enough and getting the blame for not living up to expectations of the high earner who has 14 years of more experience and wants a more expensive lifestyle. It takes time to get comfortable with money you can’t just flip a switch. If you want that fancy travel lifestyle find it with someone who can reasonably afford it and actually wants it don’t bully someone into getting there.

  • @tmi4507
    @tmi4507 10 годин тому +10

    My main question to her being 39 years old is why is it so hard for you to rip the band aid off and just let him go if the relationship isn’t working.
    After a point you have to decide whether the person on the other end of the finances is worth your time and energy. If all you can focus on is the money then it becomes extremely difficult.
    During the beginning of the video it feels like she almost resents him at times for not having the same motivation about money. Did any of us at 25 years old have an understanding of money. I know for me personally it wasn’t until I was about 29 when I really started caring about money or retirement.
    Overall you just really have to remember that on the other end of your relationship there is a person and you have to decide whether that person is worth the fight.

    • @michellegreen1072
      @michellegreen1072 Годину тому

      We had ready purchased a house and saving for retirement at age 26.
      We were financially on the same page.

  • @mrsterious5845
    @mrsterious5845 12 годин тому +5

    Some research suggests the human brain doesn't fully "mature" until age 26.
    If so, Victor is still growing up, while Mindy is at a completely different stage of life.
    However, even if they were closer in age (2 or 3 years max), and all else being equal (mindset, expectations, etc) , the incompatibility would still be glaring, so that's not necessarily down to the age gap.
    I wonder if they are both trying to hold onto their relationship hoping the other comes around to their perspective. Probably not happening.
    Neither is the "bad" person or wrong here.

  • @Chikou14219
    @Chikou14219 3 години тому +2

    She is incredibly unserious. Girl, you are 39 years old. It’s time to focus

  • @mamalovesthebeach437
    @mamalovesthebeach437 8 годин тому +3

    Sort of sad that Victor feels pushed to “rise” to the level of Mindy’s mindset. He could gain a lot by learning and investing. She could gain a lot by relaxing while still being conscientious about saving and investing. It took years for my husband to take finances more seriously. He’s only three years younger than me (we met at 59 and 56) but had a very different mindset about money. He did shift and we now work in partnership, but it took years. If you’re a business owner, you must know where your money is going! I’m not hung up on the age difference, but if they don’t have basic values in line, it’s going to always be a struggle and a fight.❤

  • @adamp6320
    @adamp6320 3 години тому +2

    Half your age and add 7. That's the youngest life partner you should have. He's too young for her if she wants "an equal partner", he is emotionally and financially her junior.

  • @vividneon
    @vividneon 8 годин тому +2

    What would a 33 year old woman see in a 19 year old? I’m 25 and the thought of dating a 19 is just so strange to me! Add on 8 years and dare I say it’s gross!

  • @Capycorg
    @Capycorg 3 години тому +2

    Same net and gross pay in the CSP are how he ended up with IRS debt. No judgement, I've been there! Victor needs to put aside 25% of his revenue for taxes.

  • @elaineb6322
    @elaineb6322 4 години тому +2

    Despite the age difference, they are committed to each other. Let’s hope they can work together to straighten out their finances and instead saying they should breakup.

  • @masharoma
    @masharoma 3 години тому +2

    he is young and smart and willing to learn. Best of luck!

    • @joamitch
      @joamitch 2 години тому

      Thank yooooou!!! Everyone is stuck on the age difference and when they got together (yeah, that happened), but not once did he say anything that alluded to not wanting to change. That is HUGE compared to some of the men (yeah, I gendered it) who come on this podcast and want to keep their toys and their lifestyle and ignore reality. He has time to get there. Not sure she has the patience or time to wait, though.

  • @Sortofwriter
    @Sortofwriter 2 години тому +3

    Why isn’t she job hunting and “figuring out what she wants to do” now while she still has income? And I’m sorry - he’s a sweetheart but he’s a child. I don’t get this relationship at all.

  • @shinniex
    @shinniex 10 годин тому +6

    He said he want to make enough money to be happy and have enough time for himself and his friends. There it is…🤦🏻‍♀️

  • @kelmike060404
    @kelmike060404 7 годин тому +4

    I am a completely different person than I was at 25 my priorities were different than I was at her age

  • @acceleration1146
    @acceleration1146 3 години тому +2

    Girl 39? What are you thinking? Of course he can dream he is only 25! He will get there when he is 40-50 but you might not be in the picture by then. Gosh leave young people alone they have a long way to go.

  • @MarieArter
    @MarieArter 10 годин тому +2

    I learn a lot from Ramit and his guests. Just concerned that lots of folks are on this financial journey alone. The most recent data available shows that 46.4% of U.S. adults are single, nearly every other adult 18 or older.

  • @yandirn2478
    @yandirn2478 5 годин тому +1

    She knows what it is. That’s why she’s so tearful. The need to breakup.

  • @FunStuffBuddy
    @FunStuffBuddy 12 годин тому +3

    Last follow up - “I learned a lot, and I just want to learn more.” Huh? Has any work been done post-show…like at all? No specifics of any kind at all.

  • @acstokes7797
    @acstokes7797 11 годин тому +3

    oh no, not the planet fitness branding😂

  • @cathybawlf7282
    @cathybawlf7282 8 годин тому +1

    Love the new branding Ramit, especially the CSP

  • @pimpnamedslickback7780
    @pimpnamedslickback7780 12 годин тому +2

    They really arent a match im sorry. He seems like he's still "figuring it out" in life, while she's set and knows what she wants. Also the age and wealth gaps are massive they're literally in two different worlds. That big off a gap creates some power dynamics and will always create tension

  • @maximusdecimusmeridius5438
    @maximusdecimusmeridius5438 12 годин тому +4

    For a high income they don’t have much money

  • @rocioiribe5841
    @rocioiribe5841 6 годин тому +2

    this was hard to watch, there's not a single spark of recognition in his eyes. his answers seem so shallow and i've known him for one hour....
    oh baby girl, you've lived with this for SIX YEARS?? beyond the age difference or the relationship, just the idea of having spent THAT MUCH TIME on anything that still isn't going anywhere or gaining any traction, move on. life is too short.

  • @michellegreen1072
    @michellegreen1072 Годину тому +1

    I don’t like to travel either. So that can’t be apart of my Rich Life. 😂😂😂

  • @candecarro
    @candecarro 10 годин тому

    It’s so interesting to me that the two of them have exactly matching smiles. I can’t think of anything that would be more of an attraction and might be the glue that will ultimately hold them together.

  • @o0usf0o
    @o0usf0o 10 годин тому +1

    The age discrepancy needs a lot of planning as well… when he’s 59 and can access his 401k, she’ll be 73! Is that really what you want?

  • @emmanueljimenez8759
    @emmanueljimenez8759 14 годин тому +2

    Sorry but we just watch a "divorce in pause". This will not work.

  • @KaylaDixon-q7m
    @KaylaDixon-q7m 13 годин тому +4

    “Where are those people? Where do they live?” Honestly, everywhere.

  • @Bynming
    @Bynming 13 годин тому +9

    Ugh. One of those "i want unlimited money" types, and she gets with a much younger guy. Insufferable.

  • @sylviamurray7467
    @sylviamurray7467 10 годин тому +2

    They seem to have very different life goals and expectations. This will be very challenging for a life partnership. Maybe it is best to be good friends, but not life partners.

  • @tmi4507
    @tmi4507 7 годин тому +2

    Is it just me or does she seem like she loves the idea of him more than the person? I’m rooting for them, but it kinda feels like they should take a break/separate for a couple months and reassess their own wants and values in life. Then maybe see if their values align.
    For her to be 14 years older (with the age he is at) is incredibly hard because she is simply at a different stage of life than he is.
    I could totally see someone like her being with a guy in his mid to late 40s because a guy that age would for sure be on the same life path as she is.

    • @ИринаНазарова-л6з
      @ИринаНазарова-л6з 6 годин тому +2

      Exactly! He expressed his vision of a rich life. It’s drastically different from what she’s pushing him towards.

  • @Aprilisnoisy
    @Aprilisnoisy 4 хвилини тому

    Ramit, in all your videos, i truly enjoy your laughter the most lol

  • @CAGChannel1
    @CAGChannel1 9 годин тому +3

    Do they want kids? If so, this might work awesome if he is the super caring guy she proclaims him to be. He may be able to be the “ more home” parent when kids were young. Just a thought I’m sure they have had because she’s said she wants “ forever.” Not sure if they want kids or not, obviously.

  • @AF2277S
    @AF2277S 13 годин тому +2

    I don’t know if it’s that you cut bits of the conversation out or your future self talking is brining up points that are made later in the conversation. You say how “he said this and she says {insert reasonable response}” but we never heard her say it. I’m talking about the “ we could be okay if we do it together comment”.
    I do find it odd that in this scenario you seem to be far more focused on her side being the more right way of thinking. As if the compromise shouldn’t be on her end. The compromise is he cares about money bit more than he does now and she needs to move out of the content concern about money to one that makes her less of a slave to spreadsheets

  • @MoneyMindsetCoach3
    @MoneyMindsetCoach3 14 годин тому +5

    You don’t combine finances if you aren’t married🤔

    • @tomaszp2027
      @tomaszp2027 13 годин тому

      I mean you could have a shared fixed cost account if you live together but that's it.

    • @MoneyMindsetCoach3
      @MoneyMindsetCoach3 13 годин тому

      @@tomaszp2027 yes to pay household expenses, yes i agree

  • @stephaniemejia4324
    @stephaniemejia4324 14 годин тому +1

    Rebranding w a new name. I dig it!

  • @AF2277S
    @AF2277S 13 годин тому +2

    “I know those people exist but where do they live” might be the most out of touch statement ever 😂. Honestly I’m all for people making money, I love the idea of people do whatever they want with it but comments like that are the reason people need to sometimes get hit hard financially before they make a lot of money.

    • @nicolevelez8669
      @nicolevelez8669 12 годин тому

      I know- I raised my hand

    • @jenbar308
      @jenbar308 8 годин тому +2

      I took that comment differently. I thought she was saying that people who say “I wish I had $175k a year, I would never worry about money” probably don’t live in high cost of living areas where that doesn’t go as far as you think.