“Was it a huge mistake to sell our house?”

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  • Опубліковано 12 гру 2024

КОМЕНТАРІ • 316

  • @ramitsethi
    @ramitsethi  3 дні 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.

  • @latenightreviewer
    @latenightreviewer 3 дні тому +204

    I have to say, this episode was very numbers focused and it was a different way of tackling their issues. A lot of their concerns were just about strategy and alignment, but they seem to be healthy in all the other ways it matters. It’s nice when it can just be “our money ship needs to get course corrected”.

    • @lysec9672
      @lysec9672 2 дні тому +9

      @@latenightreviewer I really appreciated the focus on the numbers but I was a bit worried he would lose them at different stages of the conversation. They seemed to be level headed enough to get straight to the nuts and bolts of it all. They didn't even dive into their childhood experiences around money; at least not in the edit.

    • @littlebrothermoneywithmich6178
      @littlebrothermoneywithmich6178 16 годин тому +1

      Agreed. Seemed like a very mature couple. They just needed a little push to allow for more family cohesion. One of the best episodes I've seen.

  • @spatty2589
    @spatty2589 2 дні тому +60

    This was the best show I’ve seen in a long time. The couple was just confused but in agreement. They needed your tools, your CSP to change their money mindset. Ramit really made a difference to this couples, finances and future.

  • @FloatingWeeds2
    @FloatingWeeds2 2 дні тому +25

    This goes to show us that he isn't just playing up drama in order to get clicks. When it's just numbers, that's what we focus on. I love it. This is my favorite personal finance channel by far. Such a wide range of different subjects and diverse set of experiences that are brought to the table to be analyzed, interpreted, and corrected. This dude is pretty smart. Big fan.

  • @Jai_BestLife
    @Jai_BestLife 2 дні тому +49

    This was a solid episode. I'm really glad that they're focused, and not making "sloppy" spending decisions! Wish them the best.

  • @xheyxitsxsamix
    @xheyxitsxsamix 3 дні тому +86

    Only 3 minutes in, but $2k/month for a nanny actually is pretty cheap - at least where I live (large city). Childcare costs in this country are out of control. Luckily my husband and I planned for this expense years before we started to have kids, but not everyone can do that.

    • @acd1168
      @acd1168 2 дні тому +1

      Yup. I was like that nanny is very generous. That’s nothing

    • @Sortofwriter
      @Sortofwriter 2 дні тому +3

      Plus why only one more year of the nanny if they just had a baby?

    • @MomGetsMoney
      @MomGetsMoney 2 дні тому

      Yes I wish they explained that more. Is that a nanny share? Au pair? Part time? You can’t pay a full time nanny only $24k a year.

    • @buckwildz
      @buckwildz День тому

      ​@Sortofwriter they might be using the nanny only for the first couple years and then day care when the baby is older.

  • @lysec9672
    @lysec9672 3 дні тому +56

    I really hope they delay buying a house as long as possible and would love another follow up from them in a year or so.

  • @raisingwings6951
    @raisingwings6951 3 дні тому +74

    What a wonderful couple! I will not be surprised if they do end up with over 6 million dollars for retirement, now that they can see the big picture of their finances. They are high earners, they can do it!

  • @grocio.18
    @grocio.18 3 дні тому +70

    Love this episode. They started to work with Real numbers!!!! Also, I think it would be useful to be more realistic when it comes to the kids budget. Day care almost always becomes private school or extra curricular activities. Kids expenses (investments in their education) will always keep coming, they won’t stop once the kids become a little older. Just something to keep in mind!!

    • @Natalie_11188
      @Natalie_11188 3 дні тому +9

      Yes. Children expenses may change (from caregiving to education) but they rarely go DOWN until the child is out of your home and EMPLOYED.

    • @rachels5245
      @rachels5245 3 дні тому +9

      Most children go to public school

    • @laurenm.6320
      @laurenm.6320 2 дні тому +3

      After school and summer care. Extracurriculars.

    • @saraho3606
      @saraho3606 День тому +1

      It will always go up, they only get more expensive

    • @TheSharmam
      @TheSharmam День тому

      yes, i agree. generally people feel that post day care / nanny, it will get cheaper, but it doesnt. it just gets diverted to activities, extra tuitions etc! :(

  • @tomaszp2027
    @tomaszp2027 3 дні тому +49

    Just add the row for pre-tax investments and you won't have to ask every time, like in @40:00

    • @alexpethick3762
      @alexpethick3762 3 дні тому +6

      100%. This doesn’t overcomplicate things, it actually clarifies.
      Less important: You could also put a simple field to calculate housing costs as a percentage of total fixed costs too

    • @tammy8050
      @tammy8050 2 дні тому +3

      I would LOVE this as a state employee we have pre-tax contributions and matches. Thank you, Ramit! WIthout this it makes the CSP a little off-balance with investments.

    • @o0usf0o
      @o0usf0o 2 дні тому

      Came here to say the same thing for the millionth time! 😂

  • @snatchmatch
    @snatchmatch 3 дні тому +77

    I really like the new intro music, not that stressed anymore

  • @jenbar308
    @jenbar308 2 дні тому +29

    Ava and Chris, don’t forget that once you no longer need a nanny, you might still have before/after school care and summer care. Cheaper than nanny/daycare but childcare will not go to zero!

    • @Nicole-ze4vc
      @Nicole-ze4vc 2 дні тому

      Man ain’t that the absolute truth. After school, summer breaks, winter breaks. Even with grandparents helping!

    • @TheSharmam
      @TheSharmam День тому

      it never does. cause big kids need other things such as books, supplies for school, activities, after care, tuitions,

  • @jasminl8742
    @jasminl8742 2 дні тому +5

    Nice to see a couple that listened and didn’t make huge excuses or cast blame to one another❤

  • @ivanpadilla4479
    @ivanpadilla4479 3 дні тому +15

    23:24 thank you Ramit for your phrasing of this. So many times we call ourselves “failures” (to put it nicely) and forget the road travelled already.

  • @venivediveciprather4741
    @venivediveciprather4741 3 дні тому +18

    You changed their future with just a little time. I wish I had this podcast before I turned 50

  • @Lesmith82
    @Lesmith82 3 дні тому +23

    Talking in circles because they are keeping things abstract- reminds me of the first 17ish years of my marriage! As for “How can you make this decision without looking at the numbers?” - For me, it didn’t help being raised with privilege and means, taught that to talk about money was taboo and materialistic, and scared that money management was complex math. My husband and I are so glad to have found a better way forward. Looking closely at our money doesn’t make us bad; it’s liberating!

  • @ebelen1
    @ebelen1 2 дні тому +12

    Great episode. A little worried about the gentleman in the beginning but both clearly love and respect each other. Love the partnership. Great facilitation Ramit!

  • @jenbar308
    @jenbar308 2 дні тому +11

    I was so happy to hear they’re doing YNAB, because it aligns so much with what they were talking about doing with their money. YNAB aligns very well with Ramit’s philosophy.

    • @dawnkoplitz1825
      @dawnkoplitz1825 День тому +1

      I love YNAB! It helps you plan your spending, live within your means and see how much you spend on the items you’re concerned about! It can also show you your loans (debts), investments, and net worth.

  • @charitywillard4875
    @charitywillard4875 3 дні тому +8

    So glad this couple came on today. I’m selling my house next year to move across the country for a job. This episode is helping me focus on long term goals for the profit I’ll receive.

  • @NancyLiliG
    @NancyLiliG 2 дні тому +7

    This episode was awesome. I love the questions they asked. I’d love to see a follow-up in a couple of years to see how they’ve grown.

  • @jonchase1076
    @jonchase1076 3 дні тому +19

    I’m amazed that they had $85 coming in and didn’t think about putting part of that towards the emergency fund

    • @TheMisternyan
      @TheMisternyan 3 дні тому +7

      I think that's the mentality of a lot of people who live paycheck to paycheck (which is actually the majority of Americans). The idea of an emergency fund never even crosses their mind. Just put it on an "emergency credit card" and they'll figure it out eventually, maybe.

    • @jonchase1076
      @jonchase1076 3 дні тому +2

      But they watch the show before they go on it. They’ve been exposed to the concepts, but they don’t apply it to their own lives

  • @hunniebun6240
    @hunniebun6240 2 дні тому +5

    The part that is missing for me in every episode is HOW? It’s so easy to reduce a number on a spread sheet for groceries or misc spending, but for busy working parents the reality of sticking to the new budget month after month and year after year is actually REALLY difficult. It often means changing your meal planning and food your eat - less eating out when you are busy and exhausted - which equals more physical and emotional labour. There are also always things that pop up - new clothes when old ones are out grown, being invited to 7 kids parties in one month etc. The reality is always much more difficult than just moving numbers around in the CSP. And to be realistic…those things most often fall to the mom.

    • @tomaszp2027
      @tomaszp2027 2 дні тому +1

      For that you have to look at what you're buying. Sometimes it's easier and generic advice will work fine (work on promos, buy in bulk, use a freezer).
      But then you have to cut on something - cheaper protein, fewer wants, less alcohol.

    • @beaut0ne
      @beaut0ne 2 дні тому

      YNAB Rule 3- roll with the punches

    • @dawnkoplitz1825
      @dawnkoplitz1825 День тому

      You’re exactly right! I think there has to be a lot more saying “no” by the parent(s). And the parent(s) have to say “no” to themselves too.

    • @TheSharmam
      @TheSharmam День тому +1

      kids parties comment killed me. I really wish the gifting culture for kids needs to stop. I have been to 3 parties in a month and 2 baby showers and 1 gender reveal. i mean, come on!!! I never had any one of those and only when my kids turned 3, i had first party and asked people to bring consumable goods. and not plastic , meaningless toys that will go in landfill

  • @jonchase1076
    @jonchase1076 3 дні тому +317

    Need more Black couples on this show!

    • @mangomadnnesss
      @mangomadnnesss 3 дні тому +43

      Tell them to sign up

    • @laundrygoddess4
      @laundrygoddess4 3 дні тому +32

      How are their finances different?

    • @rejguon2378
      @rejguon2378 3 дні тому +29

      Not really relevant

    • @jonchase1076
      @jonchase1076 3 дні тому +85

      @@laundrygoddess4 It’s about seeing people who look like you with similar problems. It really helps

    • @holisticallyme556
      @holisticallyme556 3 дні тому +25

      How are their finance different to me as ginger? 🤦‍♀️🤷‍♀️

  • @mainsocial1105
    @mainsocial1105 2 дні тому +5

    Loved this episode and how the couple were so into getting to a better place! They were so engaged in this process and it was great to watch!

  • @user-vf8th7pu6k
    @user-vf8th7pu6k 3 дні тому +5

    Love the intro music! Thank you for taking our feedback ❤

  • @amandascharf3870
    @amandascharf3870 3 дні тому +7

    Love this episode!! And with their CSP, YNAB, and a shared vision they will do GREAT things!!

  • @SemiViral
    @SemiViral 3 дні тому +18

    Great episode!

  • @thewriteplaceforme6874
    @thewriteplaceforme6874 2 дні тому +4

    Love the follow-ups! And i wouldn't mind seeing them again next spring to see how they're doing and how running the numbers on a house is going at that time.

  • @evanlawler34
    @evanlawler34 3 дні тому +54

    This episode highlight how much better a CSP is than a budget

    • @michaeldew7904
      @michaeldew7904 3 дні тому +7

      How? They don’t have a budget or CSP. I know they do now because of the show, but only had a tracker before.

    • @evanlawler34
      @evanlawler34 3 дні тому +14

      @@michaeldew7904 hey Michael, I was specifically referring to this portion of the show where they reviewed their current monthly budget 10:53
      At this point, they struggled to draw conclusions about what to do moving forward despite having all the information in front of them. Later on in the video, after reviewing their CSP, they had a more clear picture

    • @laundrygoddess4
      @laundrygoddess4 3 дні тому +7

      A csp is a budget.

    • @evanlawler34
      @evanlawler34 3 дні тому +10

      @@laundrygoddess4 if you broadly define the category, I could see how you could feel that way. It has a list of your expenses that you refer to and keep track of, sure.
      However, it has some intentional elements (fixed expense percentages, guilt free spending) that I have seen in Ramit’s videos and in my own personal use that are helpful.
      I imagine it similar to if someone said they enjoy their truck as opposed to a regular car and someone else said that technically a truck is a type of car. Sure, that could be true but clearly this type of car has been modified (and arguably optimized) to serve a certain purpose.
      If you would say that anything with four wheels is a car, and anything that includes your expenses is a budget… then okay the CSP is a budget and a truck is just a car. However, I would say that their distinctions make them different entirely.
      Specifically in this video, I think the difference between a list of expenses vs a CSP are actually quite clear. However, we can certainly disagree and that is okay too.

    • @C.A.1247
      @C.A.1247 3 дні тому

      @@evanlawler34 I think they refer to the fact that Ramit constantly refers to „budgets“ as „tracking the price of broccoli“ and a „CSP“ as looking forward.
      Whereas actually, a budget is indeed looking forward and managing what you can spend on what. „Tracking the price of broccoli“ is just „expense-tracking“, that‘s not budgeting.
      I mean, yes, the CSP is a good and helpful budgeting tool, particularly with the element of looking at percentages, but at the end of the day, it is a budgeting tool.
      So I don‘t understand Ramit‘s focus on „Budget Bad - CSP good“

  • @ST-wo3uw
    @ST-wo3uw 3 дні тому +23

    4 leg reps for 4 kids! 😂 such a cute Mom thing to say! 💕

  • @annoyedlife
    @annoyedlife 2 дні тому +7

    I down sized sold my big waste of money house. now I own my small home. no debt, no credit cards, no car payment. great video

  • @meghan_vlogs
    @meghan_vlogs 3 дні тому +5

    This. This was one of my fav episodes

  • @digitalbecca
    @digitalbecca 2 дні тому +4

    Wow, Eva’s followup - amazing! 😍

  • @norwaybirds3015
    @norwaybirds3015 2 дні тому +2

    Such a great age for them to have this guidance from Ramit. This coaching will help set them up for a bright and stable future with less stress in the relationship. Nobody likes to haggle with partners over money. This clarity of goals and good communication will be key for many things in their life. But feeling comfortable with finances is so important. Very happy for them 😊 well done Ramit as always!

  • @delissa611
    @delissa611 2 дні тому +3

    Awesome episode! Very informative

  • @mykidsaresupercute
    @mykidsaresupercute 2 дні тому +5

    You do not need to spend $250k a year in retirement. You only need about 80% of your normal income. And you can do it for a lot less if you plan right.

    • @Yugiboii
      @Yugiboii 2 дні тому

      More of a want than a need

    • @Leisuregirl2000
      @Leisuregirl2000 День тому

      Or less! If your expenses are $5k a month for example, it doesn't matter what your current income is, you need to have enough in investments to provide for that monthly amount.

  • @craziinancy1
    @craziinancy1 2 дні тому +11

    Just last week I was thinking it would be nice to see some black couples on the show! ❤

    • @jenbar308
      @jenbar308 2 дні тому

      There have been black couples on the show before.

    • @CambieSweets
      @CambieSweets 2 дні тому +1

      It is very nice to see! 😊

    • @CaptPicard81
      @CaptPicard81 День тому +1

      Yes, I appreciated this

  • @Builtforsuccess8119
    @Builtforsuccess8119 День тому +1

    Wow look at that income!! I understand it can be hard to look at the big picture. Great episode once again Ramit!

  • @User55pk46
    @User55pk46 День тому

    This is the best one so far IMO. Very relatable and a great pair.

  • @ohemaa_mac
    @ohemaa_mac 23 години тому +2

    I’m really curious about this. Why are they selling their house?

  • @TuBui2
    @TuBui2 2 дні тому +10

    A chiropractor for kids is wild

    • @TheSharmam
      @TheSharmam День тому

      maybe the kids has some issues. my daughter has terrible eczema and she cries out in pain when i give her a bath. we have tried every creame and seen many many doctors and specialist. We cannot see our kids in pain. we should not judge this.

  • @charmin78
    @charmin78 2 дні тому +2

    “Talking about money should be joyful and routine.”

  • @seungsteele632
    @seungsteele632 23 години тому

    I love how they talk/ consider eachother

  • @LOSTobsession1415
    @LOSTobsession1415 3 дні тому +8

    I wish the discussions about retirement touched upon the possible astronomical costs of care. It either of these two develop serious health issues or dementia, they would need around the clock care eventually. $1.8 million only goes so far if you have to pay for care!

  • @shanicebecton6923
    @shanicebecton6923 День тому +1

    Childcare is insane! My husband and I were so shocked at how much extra we have left over to invest after our son started Kindergarten. We were paying more on Childcare than housing (Mortgage and Utilities!).

    • @TheSharmam
      @TheSharmam День тому +1

      where i live (HCOL), it is $ 2500 / kid and we had 2 kids so we just got a full time nanny who lived with us and helped us in a lot more ways as we were paying her 5k / month, free food and we only charged $500 for her room. internet, utilities everything else was free and she got 4 weeks off in a year. we miss her a lot once our kids started school cause she was doing a lot more than jsut taking care of kids and we didnt even realise it. it was money well spent.

  • @HoustonTom
    @HoustonTom 3 дні тому +3

    07:23 “ I want more” is refreshening honest

  • @rocioiribe5841
    @rocioiribe5841 2 дні тому +3

    legit love how in the weeds this got, the rolling up the sleeves and using the CSP.

  • @GajodeAlfama
    @GajodeAlfama Годину тому

    Loving the new dinamic of the show, that show numbers and psicology of money. Keep up the excellent work.

  • @arh1234
    @arh1234 3 дні тому +2

    Wonderful couple and excellent feedback!

  • @jch22
    @jch22 2 дні тому +2

    What do you say to a spouse who's attitude is "Live in the moment" and doesn't put as much effort in planning for the future?

  • @levimcfadden7276
    @levimcfadden7276 2 дні тому +1

    Always listen to the person with a ledger. Never fight it. People with ledgers are immortal. Everyone knows that.

  • @BingingInPeace-ev3bp
    @BingingInPeace-ev3bp 3 дні тому +29

    So much spam in the comments already. Smh

    • @joycef8443
      @joycef8443 3 дні тому +9

      Yeah, somebody needs to be proactive in getting this garbage outta here.

    • @SuzanneU
      @SuzanneU 3 дні тому

      @@joycef8443Report it! the more people who report, the more likely YT is to take action.

    • @tomaszp2027
      @tomaszp2027 3 дні тому

      @@joycef8443 report it as spam as we usually do

  • @mykidsaresupercute
    @mykidsaresupercute 3 дні тому +8

    Think about how the nanny only makes $2000 a month. How does she live on that?

    • @theeggreat4
      @theeggreat4 3 дні тому

      Probably Nanny’s for two families

    • @jenbar308
      @jenbar308 2 дні тому

      I would hope it’s part-time since the grandparents seem involved and also they mentioned working odd hours

    • @dawnkoplitz1825
      @dawnkoplitz1825 День тому +1

      Exactly!

  • @rikachiu
    @rikachiu 2 дні тому +3

    Remember folks, child care is child care.

  • @damnation358
    @damnation358 2 дні тому +2

    Thank you for this episode Ramit, I can tell they both had a lot of hope by the end of the episode.

  • @holisticallyme556
    @holisticallyme556 2 дні тому +1

    Ramit is so good with people he should focus also now on a framework /programme to roll out to kids in schools to get it from the root when humans are young ❤

  • @michellegreen1072
    @michellegreen1072 2 дні тому +1

    Here’s an idea: Collapse the categories to about 7: Mortgage/Rent, Utilities, Groceries/Household, Transportation, His Expenses/Investments/Savings, Her Expenses/Investments/Savings, and Child Expenses.

  • @dayspringcabaniss
    @dayspringcabaniss 2 дні тому +3

    Am I the only one who thinks they should not have sold their house? They will not be able to get back into the market at current and forseeable rates. There is no reason a couple making over 200k should need to live with their parents.

    • @CambieSweets
      @CambieSweets 2 дні тому +1

      It makes sense if they want to be more aggressive on putting money towards investments and keeping their nanny vs paying towards a mortgage. I would argue that I’ll choose to live with my parent making 200K if it meant millions in my future from compound interest. Time can work for you if you start early vs sinking money into something you won’t even own.

    • @TheSharmam
      @TheSharmam День тому

      i agree with you. as a big spender myself, owning a house taought me discipline as I was scared to lose it. plus it looks like wherver they go , their costs will rise as the lady herself came to the same realization. they should have lived where they are. sure, moving to parents will save money in the short run, but once nanny goes away, they will have surplus and they can save that 2k to put towards a bigger house, say 5 yrs down the line. right now their kids are v small and dont need a huge house.

    • @brianm1603
      @brianm1603 22 години тому

      Agreed, for all of the reasons you mentioned. I was a bit disappointed to have to scroll down so far to see this. The other thing that concerned me was to immediately "spend" the proceeds from the house. The emergency fund and paying off credit cards make some sense, but to reward yourself with a trip seems shortsighted.
      This money is a one time "get out of Jail Free" like thing. When all is said and done, they will have maybe 50k to put down on a house? Not to mention that their current budget does not allow for housing costs. Their housing spend was low ($1700?) and I will be very curious where they will be a year from now.

  • @mhodge0890
    @mhodge0890 3 дні тому +2

    Their doing great for a couple with two kids. Their networth is high as well. They will be fine and kids won’t be in daycare forever

  • @aqueoushumor
    @aqueoushumor День тому

    Loved this episode. This couple has so much respect for each other. I think this conversation really helped them begin to think proactively. They'll accomplish a lot together!

  • @MistaRowland
    @MistaRowland 5 годин тому

    Are there any plans to do a Where Are They Now?/Follow-Up style episode? I’d love to hear about past guests living their rich lives, or dealing with obstacles with tools they learned from Ramit.

  • @Writingintune
    @Writingintune 3 дні тому +3

    It belongs in a museum, Ramit!

  • @kathybrinn7469
    @kathybrinn7469 День тому +2

    I learn a lot from your shows! One suggestion, I wish you would show chapters so if we don’t have a full hour plus to listen, we can listen to what we want. Sometimes I have only 30 min and I start a show with intention to go back and I don’t. Thank you for helping all of us with our money!!

  • @shocka144
    @shocka144 День тому

    Is there an equivalent CSP for the UK?

  • @NicoleJurek488
    @NicoleJurek488 2 дні тому +1

    Enjoyed this episode. They both were very engaged.

  • @GirlFightTalk
    @GirlFightTalk 3 дні тому +22

    Hey Ramit, great episode per usual! I'm buying your book for my parents for Christmas!
    Please avoid giving negative labels like "Negative Nancy"
    The wife is relatively agreeable and respects your input, and she started to adopt the label of "Negative Nancy" around the 1:10:43 mark.
    Just an FYI.

    • @dec1slh
      @dec1slh 2 дні тому +2

      Did he give it or did she give it to herself?

    • @andyndanaemcburney122
      @andyndanaemcburney122 2 дні тому +3

      @@dec1slh I thought she was the first one to say it.

  • @teishabee1993
    @teishabee1993 2 дні тому +1

    Good episode. Very relatable couple.

  • @Jane5720
    @Jane5720 2 дні тому +4

    Why are their fun, social, and out to eat different? They’re spending a lot of money Willy Nilly in that area. $3000 on discretionary income is too much.

    • @TheSharmam
      @TheSharmam День тому

      its the stress of raising kids. it happened to me too and i had to mindfully dial it back in. and be creative about it.

  • @Tabletop_Nonsenseverse
    @Tabletop_Nonsenseverse 3 дні тому +1

    So you are coming to Zurich, Switzerland this January?

  • @ladle24
    @ladle24 День тому

    I used a ledger from when I realized my checkbook register wouldn't let me implement an envelope system until I discovered spreadsheets. I recently found the old ledger and gave it to my kids to doodle in.

  • @Sryker
    @Sryker 2 дні тому +2

    I was denied this surgery in 2005 at age 28. I already had two kids and was recently divorced from an abusive man. The doctor refused because, “ I was still young and might change my mind if I remarried.” I’m 48 now and have been using an IUD since 2005. I remarried in 2010 but never wanted more kids. It wasn’t that long ago that women were routinely declined this procedure even when they had valid reasons.

  • @picofreeflow
    @picofreeflow День тому

    Good Episode!!

  • @nomaam5891
    @nomaam5891 День тому

    Yes! I have high hopes for Ava and Chris. It seemed he was a bit closed off for most of the discussion but the way his body language changed after Ramit’s suggestion of how he would handle the 80K was very promising. I agree they should wait as long as they can to purchase the house so they have time to build up savings and the emergency fund. Good luck and keep us updated!

  • @ingababy5196
    @ingababy5196 День тому

    I really like this couple. I’m rooting for them 👏🏾👏🏾👏🏾❤️🇯🇲

  • @Helen-gy6fj
    @Helen-gy6fj 2 дні тому

    When are you coming to Austin? I would love to see you!!

  • @lagflag
    @lagflag 3 дні тому +5

    This lady needs YNAB or Actual Budget. Only an envelope based budget method would satisfy her

    • @moni-b1t4u
      @moni-b1t4u 3 дні тому

      I bet every dollar app would be fun for her- besides CSP of course

  • @ChapstickChunx
    @ChapstickChunx День тому

    Appreciated this episode even more because of the discussion around the cost of childcare, although theirs is dirt cheap at $2k/mo for a nanny!!

  • @dawnkoplitz1825
    @dawnkoplitz1825 День тому +1

    Everyone wants great childcare, but no one wants to pay for it. That logic doesn’t work. Someone has to take care of the kids and the child care providers are worth every dollar! If you don’t want to pay for it, become a childcare provider in your home and see if it’s as lucrative and easy as you think.

  • @camcommute
    @camcommute 2 дні тому +5

    I absolutely hate the camera cutting from one angle of you to another. jus show one angle with u facing the camera

    • @rory644
      @rory644 День тому +1

      Yea it’s pretty pointless and does nothing to improve the quality of the video in my opinion 🤷‍♂️

  • @FrostyWitchGoddess
    @FrostyWitchGoddess День тому

    I was NOT expecting the actual book ledger 😂

  • @Netizen_101
    @Netizen_101 День тому

    They have great income, almost no debt, the problem is the expenses which is super easy to correct.

  • @vanessacrocker2919
    @vanessacrocker2919 3 дні тому +3

    Thanks so much for another great episode, Ramit. Since learning about the I Will Teach You to be Rich system, I started investing automatically every month and am seeing my savings grow. I’m the first person in my family to know what investing is or to worry about saving for retirement. Now I just have to work on my parents!

  • @mrsliveandlearn
    @mrsliveandlearn 3 дні тому +3

    Their finances have been simplified into just an expense tracker. They need a more sophisticated system which will require they both review the system and the numbers. Her view is too simplistic based off a transaction log and his is based on concept but no real facts. They make too much money for either approach. Big decisions without concrete financial information is foolish. He falsely believes he has an enhanced comprehension of their finances all the while having no real understanding of their finances. He comes off as arrogant and egotistical. Financial household leaders speak with facts, specificity and concrete numbers. Great couple who will have a rich life once they learn to make decisions based upon real financial knowledge and a shared vision.

  • @kingsgold
    @kingsgold 3 дні тому +3

    Good couple, lack of real money management between the two. Lack of dreams, direction. This was really more of an episode focused on teaching budgeting with purpose.

  • @guharup
    @guharup 5 годин тому

    What? Kandahar?

  • @Kibenwa
    @Kibenwa 2 дні тому +3

    People need to stop giving money to chiropractors. And taking them kids? Omggg.

  • @tcwaz
    @tcwaz 2 дні тому +1

    This is meant to be constructive. The show has changed recently. It is harder to follow and seems more disorganized and topics are not in order. There are random clips edited in here and there. It used to seem like more of an organic conversation. It seems like less coaching and more harping on what everyone is doing wrong. The new edgy music? I think it is just missing the mark. I have been listening for several years, so this is just my feedback. Thanks!

  • @swithheld9905
    @swithheld9905 2 дні тому +2

    "kids chiropractor" - YIKES

  • @joycef8443
    @joycef8443 3 дні тому +9

    She smiles all the time…does Chris ever smile? Good thing they are in couple’s therapy.

  • @charmin78
    @charmin78 2 дні тому +2

    I like round numbers in my accounting too! Lol

  • @seedorf1010
    @seedorf1010 2 дні тому +1

    “Numbers are based on other numbers.”

  • @magicllama9614
    @magicllama9614 3 дні тому +2

    Hey Ramit, did you discuss the fact that they MAY NOT need the nanny once they're living with mom and dad? That may be a huge help if mom and dad can assist with child care.

    • @dec1slh
      @dec1slh 3 дні тому +15

      So they are supposed to stay with them for free and also ask for free childcare?????

    • @TheSharmam
      @TheSharmam День тому

      @@dec1slh i agree, its a bit much as it seems mom and dad are still working. it will not be fair.

  • @alexandradarbyshire7433
    @alexandradarbyshire7433 День тому

    3:15! Childcare is high as the sky 😂😂😂😂

  • @hcf4kd1992
    @hcf4kd1992 3 дні тому

    My husband is somehow both of these people in the relationship depending on if I want the thing or he wants the thing . How is this possible

  • @acissej821
    @acissej821 3 дні тому +7

    Wow what’s up with these incessant spam comments

    • @jhgh2000
      @jhgh2000 3 дні тому +11

      Report and move on 🤓

  • @Kevin.Grindel
    @Kevin.Grindel 3 дні тому +3

    I think Remit was a little bias on this one about the home goal. they should have paid off the car as well with the windfall so they would be debt free and could’ve freed up that money.

  • @dreamingofskyrim
    @dreamingofskyrim 3 дні тому +20

    What's up with the Ah sound she adds after so many words?

    • @mirandawalker6600
      @mirandawalker6600 3 дні тому +1

      Riiight. 😂

    • @Nicole-ze4vc
      @Nicole-ze4vc 2 дні тому +5

      I’m betting English is her second language OR she was raised by family who didn’t speak (American) English first. Linguistic changes seem so subtle but they stick out to us clearly!

    • @JuliaCloonan
      @JuliaCloonan 2 дні тому +1

      I was wondering the same thing I wonder what area she’s from. It’s an odd linguistic cue.

  • @janefair7028
    @janefair7028 День тому

    Sound quality is not good on this one. Your voice is typically pleasant sounding in videos. In this one, not so much.

  • @carynmills5922
    @carynmills5922 3 дні тому +10

    Children's chiropractor? What? Why?

    • @mrs.quills7061
      @mrs.quills7061 3 дні тому +5

      Yeah that seems dangerous? Why would a child need that?

    • @rasheedaogburn123
      @rasheedaogburn123 2 дні тому +1

      It’s not dangerous at all. I’ve seen babies get adjusted and it’s fine. You don’t use that much force because it isn’t needed. Actually very beneficial in some situations. -former chiropractic student

  • @mustjustbe
    @mustjustbe День тому

    The look on her face said he didn't get me anything that nice for my birthday