“We have 3 kids, $1k saved, $0 invested. Is it too late for us?” 

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

Ramit, I really loved when you took the burden off of Gabriel’s shoulders when he started to worry about the comments on his past and addiction. Honestly, that was so beautiful and made me tear up. He has a beautiful future ahead of him and they have a beautiful future together. I’m excited to see an update. ❤

His wife loves him for real. I'm glad they came out on the other side of his addiction and are rebuilding. Good on him for working on himself.

I would love to hear a 1 year update from this couple!

I don't usually comment, but it is encouraging to see someone own their past, receive advice, and think about their family selflessly. I hope things continue to move forward positively for them!

I loved Gabriel's willingness to admit his missteps not only with lifestyle, but also with spending habits. I also loved Ana's gentleness and patience with him. Wishing their family well.

Only a few minutes in but I have to say the addiction stuff is so relatable! Please don’t feel embarrassed about it. So many people and couples deal with this issue. Myself included. It’s a hard road for all involved but can be overcome. So happy for Gabriel 2.0!

I was with an addict, and I went through all of that. I personally know how hard it is for the addict and the spouse. I have great compassion for both ❤

Ramit, thank you for also having younger people on your podcast too!

Ana you are showing people what it means to be a supportive wife thru the hard times in life! Good job! It makes me want to be a better wife!

My favorite episode yet! Their openness and willingness to adjust and learn was so motivating for me, as well. Their story is inspiring!

Thank you for sharing Gabriel! No one should have anything bad to say at all, keep going, stay strong

Gabriel, overcomming addiction is somthing to be proud of, its a battle and you won, happy for you and your beautiful families future.

Lovely couple, wishing the best for them with their financial journey

Lovely couple…Anna is one strong woman. Gabriel must have strength to over come addiction for 3 years. They would do best to move and live as an independent family. It would be awesome to have Gabriel’s parents on! I wish this family all the best.💜

Anna is a beautiful soul! I love her right off the bat. She and her husband are indeed a team. She must have approached his addiction with love and support.

they seem like a nice couple! It's great that they are on this so that their kids don't make the same mistakes and learn to break the bad cycle. Anna is honestly so patience and sweet and I feel many women in her situation would have walked away from Gabriel's addictions. But its great that Gabriel is ackowledging his situation/mistakes for the sake of his wife and children! Taking personal resonsiblity is hard to do and its great that they are working it on!! Wishing them the best!

Gabriel is great! It’s clear he’s not comfortable speaking “in public” or about this topic to a stranger. BUT he’s doing it! Admits his mistakes and very willing to change and improve for his wife and family. Huge props! 🎉👏🏼

Can you post a picture of that sweater? I'm genuinely curious what a sweater like that looks like

I wish this couple the best of luck, they have the right mindset to come out ahead. Thank you for sharing your story and mad props for being a team for your kids!

Gabriel should give himself more credit! He’s stronger than his impulses and I’m sure Ramit will help him see that

Their story is very similar to our story, thank you all so much 💗👏🌞

So glad they were able to push through ❤️❤️❤️

Gabriel lucked out 1000% in the family department. And I think he knows he has to make the effort to be what they need in return. It is so worth it! Sending best wishes to this family!

Hondas are GREAT!! ❤️Honda and Toyota for life cuz they will last you throughout life!

These two are awesome! So proud of Gabriel for facing his addiction and her for supporting him through this. Get rid of the BMW! Tighten up that budget and you will do well.

My new favorite couple! 🫶🏽 Great attitude

They seem like sweet people. Nice couple. Best wishes to them and their family.

Wow, the power of team work. I am writing notes :)

Gabe, you are so blessed my friend. You're married to a beautiful and supportive wife. You have a loving and supportive family. God is good.

I appreciate this show bringing on the couples rather than just one spouse complaining about the other on a call in show. Because it’s going to take both of them to make a change. Cooperation

I am reading in all the comments that this couple is very mature. I.think i have to watch the whole video to see that

I think it's amazing and encouraging to watch these couples be so transparent and so compassionate with each; and so willing to work together on their goals! As well as, the wonderful Ramit who is also stern, yet compassionate in finding the root cause of their relationship with money and guiding them in a way that they are participating and ultimately taking charge of their own life. 🙂

Anna is so amazing. You can see the love in her. You can also see Gabriel’s determination to be better. It’s beautiful. Great advice Sethi.

Such a sweet couple! So encouraging.Gabriel yo go! Version 2. Your wife is so pretty ❤

No stress, we all learn different and at different points about financials. My mom had this same cut-off, she gets allowances even though shes the bread winner, because my dad wants a nice retirement for then both.

🩵🩷💙 this couple!! I can see them succeeding, they are both so positive & inspiring to reach their goals🌿⭐️🍁

This couple is so lovable, I could just hug them.

Amazing episode! I'm a huge fan of you, Ramit. It's brilliant the way you facilitate the conversations you host. And so inspiring hearing Gabriel! Awesome stuff! Much respect for this family. Ana and Gabriel, you are incredible people and I'm sure you have a beautiful future ahead.

Gabriel and Ana, thank you for your courage and sharing❤❤❤❤ thanks to you we can all learn❤

You guys got this!!!!

Wow very powerful.. you can feel every emotion in this one conversation. I’m rooting for you too!

Honda lover here and I loved on mine from (it’s an 2004) 2006-2020 before passing it off to my younger brother. Those cars will give you its life!! (186k before I retired from it) loved it and now I have a Lexus which I regret getting cause I hate the $500 car payment 😩… if you get a car buy it cash thank me later!!

Ana and Gabriel are inspiring!

Ramit, you look fantastic!

I'm proud of both of you confronting your reality and making the changes for a brighter future!

My spouse and I debated getting a store card in checkout line - we needed a new fridge, and like you we have the credit card on auto pay, had the money. Got a 10% discount, 6 months to pay, set up auto-pay, paid it in 5 months. Saved 10%. But... not too many years ago, got caught with the back interest on a card.

One of my favorite episodes

This one is heartwarming

Let's go Gabriel 2.0!!!!!!!

Loan cards- help people buy big purchases with as little interest. It helps people who don’t have immediate cash to throw, and who has daily, living expenses. Hard for some people to grasp that method. For some it helps. Who would you rather owe, your dad ? Or family or bank ? ( hint) one has more money than the other.

Well done, Ana and Gabriel. One step at a time.

Good job getting sober Gabe ❤❤❤❤❤❤❤❤❤❤❤

I wish they would have talked about their retirement plan though.

I bought a quad too. And my wife knows exactly how much it cost too. Still gets under her skin even though it’s long gone lol

Gabriel, everyone has addictions, some are just more societally acceptable. Huge kudos to you in putting your pride to the side to do what's best for your family (both in kicking your addiction and even just being candid on the podcast). Also amazing job all around to Anna for holding the family together and hopefully she can catch a break and get to breathe soon.

Just 8 minutes into this episode and I have nothing but empathy and respect for this couple. People do judge online, but Gabriel 2.0 has his act together and I'm rooting for you and your family!

Wow, truly one of the best couples! I was used to couples not talking, getting stuck on minor details, having to unpack their traumas, triggers (don't get me wrong, I still learn a lot from those episodes) but seeing two young people ready and truly needing just financial support made my day! They showed how it can be straightforward, easy to communicate, etc. They've done the hard work now they just need support getting to the next level. Such a difference from the last two couples, ty Ramit for having them on the show!

When Ramit said he'd take care of the comments, I felt immense satisfaction that I knew Gabriel would be taken care of. Ramit is savage dealing with trolls online. This was a great couple. Acknowledged their past and have the right attitude to create a bright future for them and their family. I wish them the best

Gabriel, good on you for coming on this show and showing you are vulnerable. Don’t be ashamed of the addiction issues. You got this! Anna, great job with standing by him and being a great team.

When I moved to Portland OR in 2008, just for fun I tried a social experiment. At the time I had a BMW roadster convertible but I decided to park my car for a month and see what it was like to live without a car. I fully intended to try it for a month and then go back to my car because I LOVED sports cars. I lived in the heart of downtown Portland which has one of the best mass transit systems in the nation. It also has a really strong bike culture. So, I road my bicycle about 90% of the time and took the bus/Max/streetcar and figured I would used a Zipcar (a ride sharing company) once a week. The first surprise was how much I truly enjoyed riding my bike everywhere. It made me feel like a kid again in my mid-50's. The second surprise was how seldom I needed a car. Instead of once a week, I was closer to once a month. The third surprise was how after the first two weeks I never even thought of my parked car. So, after the experiment was over, I ran the numbers and realized that my car, which was parked and not in use over 95% of the time, was costing me almost $9K per year when I added in car payments, insurance, gas, maintenance, parking and even mundane things like going to the car wash every weekend. I sold my car and never looked back. It was like giving myself a HUGE raise. Now...is this for everyone? No. Of course not. But being willing to look at something as an experiment was the first step. Get creative and you will be surprised where it takes you.

Gabriel, I trust a man who faces his demons and walks through the other side a lot more than someone who claims to have never made mistakes. Hold your head up high, you and your lovely wife are on the right path.

Anna You are an amazing wife. You stood by your husband during his worst trying time. I'm sure he loves you even more now. Gabriel You're a fighter. The fact that you have turned your life around & are now devoted to your family, Anna & the kids will respect & love you. Anna, Gabriel God bless Your family. Tons of blessings from India

I'm half way through the video while posting this comment and don't really care that I haven't finished it yet. Gabriel is an example of how I would love to live life: Strong, honest, rational and willing to write his wrongs and focus on his future all while taking his family into consideration. Well done Gabriel.

I’m so proud of you Gabriel 2.0, I wish you all the best on your journey!

I really, really liked this couple. They totally took responsible for their own actions. Ramit, maybe one day you could do an update from this couple. It was so refreshing to see a couple not fighting and bickering and actually using their time with you proactively. Really enjoyed this video. I wish them all the best!

This is hands down one of my favorite episodes! Gabriel you have nothing to be ashamed of, if anything you are brave! We all suffer with addictions rather its over spending, drinking too much, its all a drug at the end of the day. His wife deserves kudos as well showing what it means to support someone you love through the ups, down and even the ugly. Thank you both for sharing your story because it is so relatable!! I wish you both much success on your journey to living your rich life!!

14 mins into this video, and already want to commend Gabriel 2.0 for his bravery! My heart goes out to this amazing couple. Look how far God has brought you both! The sky is the limit. Stay strong, and keep going. You both are an inspiration to so many!

Anna is an incredible woman, such a manifestation of feminine grace and strength. I hope she gets the appreciation and reciprocity she deserves. All the best to this couple

Sounds like he needs to grow up a bit. His parents and wife shouldn’t have to parent him like he’s a child still. Especially them having 3 kids already and now she has to parent her husband 😂

This is the most calm couple on this podcast so far. They have so much love for eachother and there is so much teamwork. Rooting for both you Anna and Gabriel

Hoping this is a break from the stressors of the last couple episodes Edit: It was! Really appreciate how these two communicate in a healthy way despite the differences in money goals/vision

I love this couple. So kind to each other and with such a warm smile on their faces as they share their most intimate financial details with the world. Acknowledging past mistakes is the first step to change and growth. You guys got this! And with this amazing attitude, love and respect for each other, you will go places. I hope they are reading these comments here and are feeling good about themselves.

Love this episode! Anna inspires me to be a more supportive wife. I really appreciate how they communicate with one another even though they have been through tough situations.

Anna is incredibly strong and Gabriel is incredibly brave. I'm sure they've gone through some s$it together, but this is how you evolve together - compassion and understanding. Shout out to Ramit for being so kind to this couple, but tbh, you can't hate on these two. Really rooting for them to be debt free in less than two years With an emergency fund and retirement accounts.

Not even 3 minutes in. I'm so stoked to watch this one! So interested in seeing a young couple already married 10 years & 3 children. How to turn their financial partnership around? So many people are in this situation; glad you took this on, Mr. Sethi.

Becoming and staying sober is an INCREDIBLE accomplishment, it’s something that a lot of people in addiction never achieve. Your addiction is just part of your past now and those experiences are what is making you the man and father you are. Please be proud of yourself and of your amazing partner who has weathered the storms with you. You guys are one of the most likable couples I’ve seen on here! Thanks for sharing your personal story and financial history!

103K and no rent.... I live so poor I don't understand how others can't survive. There is also a weird money relationship between them. She married "into money", but he is keeping them poor. Interesting dynamic.

This episode was some much needed relief after the last couple 😅

Hey Gabriel - proud of you for getting help. Much love brother ❤

Is it working for you? I think she’s too nice to say she’s tired of “parenting” him/being the gatekeeper when it comes to the $. Please follow up with this couple!!!

This episode bringing me to tears. So happy that this couple is trusting and supporting each other! Gabriel and Anna are a real power couple and I know their love and care for each other will propel them to whatever goals they have set. Best of luck!

Thank you for interviewing a couple with less income

What an amazing and inspiring couple! Gabriel 2.0 and Ana should be so proud of themselves in how they work as a team, respect one another and are determined to make a good future for themselves and their family. I was so stuck by Gabriel's honesty and determination. I wish them both success and happiness!

I want this couple to win so bad!!

Gabriel, I hope you’ve come to see how strong you are. There are so many ppl that can’t or even willing to make the first step that you did, not to mention the therapy that you continue to do, and the communication you’re keeping with your wife. You go, Gabriel 2.0!! I wish nothing but the best for Anna and you, you two are doing great!

BEST GUESTS EVER! a LOVED HOW QUICKLY THEY LEARNED AND ADJUSTED. I ALSO COULD FEEL THE GENUINE LOVE BETWEEN THEM. WAY TO FO YOUNG ONES!!

Man, these two are struggling with so much, but they are dedicated to each other. They are going through the ups and downs together, and learning as they go. We should all be so fortunate to have that kind of love in our lives. I wish you two the very best, and great things to come.

❤ hearts for Gabriel it takes a lot to put your financial business out there to the world it takes even more to share a story of addiction. I wish you and your beautiful family every happiness going forward. It was so beautiful to see what I saw as you repaying your beautiful wife for her loyalty and support by taking accountability for your actions and being present and motivated to work with her on this. Truly one of the only episodes I’ve watched where it very much felt like a team mentality from the beginning. Wishing you success in all areas ❤

Gabriel 2.0 and Anna, you got this! Y’all are awesome and you got this.

I loved how the issue of impulsivity was addressed, I have suffered terribly from impulsivity all of my life and I never thought that I could talk to someone about it because I was so ashamed of this behavior. This has given me such hope.

Anybody that says anything other than congrats has low character. Good job bro. That was sad to hear u say that. Damn these people, including me. Even though I wish u well even my opinion doesn't matter

Gabriel, no shame in your past! What you’ve done will likely be the hardest thing you’ll ever have to do! Kudos to you. Maybe by coming on this show you’ll inspire others to get clean as well. Your story is not shameful, it’s inspiring .

Love the vulnerability here. This isn’t the easiest to share publicly. They have tremendous opportunity to change their trajectory. They seem like such a beautiful and cooperative couple. Wishing them much success on their journey!

Fantastic episode, and a couple of my favorite guests. So much opportunity here and I just see good things coming both of your way! Addiction is a lifelong battle. Seeing all the comments on here, it’s safe to say you have a lot of people in your corner, Gabriel! So proud of you.

I really enjoy watching people create a budget and realize their financial position isn't as catastrophic as they believe. Financial discipline by budgeting every dollar and getting out of debt as soon as possible. Applaud them for figuring this out and getting on the path to financial freedom. I do love the quote of "When is the best time to plant a tree? 20years ago. When is the second best time to plant a tree? TODAY!"

I havent made it passed the first 2 min. But wanted to say I support your crazy extravagant sweater habit. But also we need to see what I'm now going to call your "honda" sweater. Out the sweater on your IG or we'll all be assuming every sweater is the Honda sweater :p Now back to the podcast...

Wishing Gabriel 2.0 and his beautiful wife and kids all the success. This episode is really touching

This is by far the best episode yet. What an impressive couple to overcome their past and want to better themselves. I’d really love to see more realistic stories like this one, super inspiring to hear of those making $400k a year but it’s getting a bit not relatable to us “normal” folk 😆

Prime example of why you don’t SPOIL your kids. The best gift you could give your kids is love and support but not giving in to every whim and desire they have. Most important values are - self-respect and responsibility. One of the most important lessons you can teach your children is hard work and goal setting. I struggle with it too as a mom because you want your kids to have the best. I’ve learned over the years that teaching them to work hard and save is so important.