Just curious, when couples have a shared account, how do they distribute the free guilt expenses once they’ve paid the bills, saved, etc? What if one of them isn’t very into shopping and the other one is a watch nerd or something like that? 😅
Buy a used 10 to 20 year old car or small truck that you can fix yourself. If you're in an apartment and cannot do repairs then you are screwed. Find room mates and split a house.
I raised 75k and Christina Ann Tucker is to be thanked. I got my self my dream car 🚗 just last weekend, My journey with her started after my best friend came back from New York and saw me suffering in dept then told me about her and how to change my life through her. Christina A. Tucker is the kind of person one needs in his or her life! I got a home, a good wife, and a beautiful daughter. Note!:: this is not a promotion but me trying to make a point that no matter what happens, always have faith and keep living!!
< I know that woman(Christina Ann Tucker) If you were born and raised in new York you'd know too, No doubt she is the one that helped you get where you are!!
For the follow ups, do you give them questions to answer or is it totally free flow? Guests will probably continue to discuss finances in the abstract because it’s easier to talk about progressing than prove tangible changes.
There is hope! My husband went into 340k debt 10 years ago and was unwilling to change. I started working 2 jobs and set up a plan. Sold our bigger home and bought 2 tiny homes instead and rented one out (thats before we had kids so it's simplier to move) My husband was unwilling to work extra hours and fought about every cutback. I have stopped doing nails, cut my own and my children hair, cut subscription. He continued to spend excessively on his hobbies. I quit my second job because I was building resentment towards him over the fact that he has no motivation to work extra. I stopped mothering him. I just told him either he follow the steps or I am out. Fast forward to now, With a lot of fights, he has changed a lot of his spending habits. He still doesn't have a second job yet but is working on getting one. With the rental income, cut backs and my second job income prior to me quitting, we managed to pay off over 260k of debt (the remaining 60k with 2.4% interest), set up a emergency fund, moved to a slightly bigger home and kept our rental properties, built a healthy saving, 401k, roth IRA, 529 and recently started a roth IRA for our kids for their earned income. It takes hard work but it is possible! It's easier when both people are on the same page. Don't lose hope.
Hey Ramit! Thank you for the video!! I have a question - where do student loans fit into the money ladder? My interest rates are between 3.5 - 6.5 % on Federal loans, and I've been having a tough time trying to decide whether to cut back spending in other areas to pay them off early, or to pay them off in the 10 years my plan was originally and to enjoy the rest of my money now. I can meet my employer match either way, but I'd need to cut back significantly on investing in my Roth, savings, and guilt free spending in order to pay them off early. This is the only debt I have, but I'm wondering if it's worth paying off early since I don't plan on buying a home in the next 10 years. Everything I looked at online says to pay them off, but they're not high-interest, and they're not private loans, so I'm having a hard time coming to a decision about what I should do. The difference is between paying them off in about 4 years, versus the 10 years of the original plan. Thanks so much, Ramit (and anyone else who has advice)!!
Ynab for budgeting is great. Been using the same budget from 2021. I only put in the transactions once a week. Don't sweat the small stuff. And it's fun to see your net worth grow over time.
Extreme selfishness cause suffering on those around you. In their case, they are both selfish but instead of changing themselves, they choose to resent each other. I think getting a divorce and stay single will be good for them. The worse thing that could happen is if they remarry to someone who is altruistic, they will suck the life out of their new partner.
I bought a 2017 chevy bolt EV 4 years ago, which is now paid off. I use it as my daily for driving for my 50 mile round trip to work every day. Since its been paid off, my cost of operation per month is around $80/month. This includes fuel, insurance, and spread on tires and tax. Put 20k miles annually and I plan to keep this money saver for years to come. Dont really understand the hate for EVs, if done right, these things can save you tons.
A man will never break up with you out of guilt for wasting your time and just using you for free 🍑 after two years, and no ring you have to walk away. he is using you
Appreciate the recommendation! Bought AWS11P, expecting 10x returns. Major exchanges confirming listings. Your insights have always been on point. Looking forward to seeing where this investment goes, thanks for the valuable advice!
Great analysis! Got a 10% profit in one week from your last video, OMG!!! I'm thinking about investing in AWS11P, DOGE, and SOL. What’s your take on these? AWS11P seems like a strong choice, but I’d love your feedback.
Thanks for sharing your insights! I just bought AWS11P and am holding for 5x returns. Coinbase, Bybit, and Binance are confirming listings soon. I’m super excited to see where this investment goes. Your advice has been invaluable, and I’m grateful for it! 🚀
Thanks for the great content! Made a 10% profit within a week from your last video, OMG!!! I’m considering AWS11P, DOGE, and AVAX. Which do you recommend? AWS11P looks interesting, but I trust your judgment.
Appreciate the video! Made a 10% profit in a week from your last recommendation, OMG!!! Considering AWS11P, SHIBA, and AVAX. What do you think? AWS11P looks promising, but I trust your analysis.
Appreciate the analysis! BTC’s reliability and ETH’s scalability improvements are key. SHIBA’s active community adds excitement. Based on these, I’ve invested $5,000 in AWS11P. Looking forward to its growth! 🚀
Thanks for sharing your insights! Bought AWS11P, expecting 5x returns. Coinbase, Bybit, and Binance to list it soon. Super excited to see where this goes!
She's screwed. Divorce she pays spousal support. Married she pays spousal support. Scheming and scamming... Like a gambling addiction. He needs to put the cards down cold turkey. She's his enabler and codependent.
Hey Remit Here's another testomonial for your next book. "I'm josh I'm 29 years old from Canada and entrepreneurship is just starting to really work out for me. I have a long history of being bad with money. Even with business just getting successful as of 2 years ago I had never had more than $1200 after bills and whatever I spent on. Around my 29th birthday I read the phycology of money by Morgan Housle that book taught me that truly anyone can be great with money and I took on the challenge. I then later found a Canadian creator that taught me about TFSA RRSP and High Yeild Savings accounts (Tax free savings, Retirement Accounts.) I needed it to be Canadian info to wrap my head around it. Then I learned about the S&P 500 and Concious Spending from Rammit and I gotta say Ramit I've watched a handful of your content and read "I will teach you to be rich" I make only about $45 000 a year and I'm 10 months into my money journey. I Have $3000 investment $500/m contribution to the S&P 500 in USD and $200/m in the S&P 500 in CAD I make monthly contributions to Savings and Retirement oh and everything is Automated. I rent below my means but still have a sick set up and even got into a car accident requiring Lawyers and I had the money to make bad shit go away. I am not rich by any means but at the rate of my investments I will be in about 15 years and well off after v8 -10 years. Thankyou!
