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“We spend 98% of what we make & refuse to change”

Ramit Sethi of I Will Teach You To Be Rich talks to Kristine, 32 and Thomas, 35. They’re raising three children in the Midwest. They love their jobs, are happy with their incomes, and just upgraded to a third, much larger, home. Everything is good–except that they’re going broke. With astronomical fixed costs, something’s got to give. — 🚨 GET RAMIT SETHI’S WEEKLY MONEY NEWSLETTER * I share news ways to think about money every Saturday. Get the emails here: https://iwt.com/podcastnewsletter-yt 🙌 GET HELP FROM RAMIT SETHI * Take control of your money with the Conscious Spending Plan: https://iwt.com/csp-youtube * Optimize your credit cards with the 1st chapter of my book: https://iwt.com/chapter1-youtube * Join my Money Coaching program for monthly help: https://iwt.com/moneycoaching-youtube * Get my no-numbers journal: https://amzn.to/3j6Tmuf 🤳 CONNECT WITH RAMIT SETHI * Instagram:   / ramit   * X:   / ramit   * LinkedIn:   / ramitsethi   ✅ SUBSCRIBE SO YOU DON’T MISS ANY EPISODES    / ramitsethi   — This episode is brought to you by: Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions–and manage your expenses the easy way–by going to https://RocketMoney.com/ramit. DeleteMe | if you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit and get 20% off a plan for you or your entire family. — Can’t-miss moments: 00:00:00 — 1: Opening 00:02:07 — 2: Kristine explains her stressful daily money routine 00:09:09 — 3: Thomas doesn't want to talk about money. Ever. 00:13:55 — 4: Ramit notices some obvious clues 00:19:54 — 5: Ramit breaks down their numbers 00:21:19 — 6: They're spending 98% of what they make 00:27:49 — 7: What to look out for when buying a car 00:33:11 — 8: What money lessons did they learn growing up? 00:37:53 — 9: Ramit points out the elephant in the room 00:44:59 — 10: Should they give up the Jeep? 00:49:58 — 11: Ramit tells them, "I would be scared" 00:51:39 — 12: Ramit just discovered they're being robbed 00:56:15 — 13: The wrong way to look at "managing money" 01:03:32 — 14: How much will they have at retirement if they keep going on like this? 01:10:46 — 15: How will they get their fixed costs down? — 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: https://forms.gle/pjYMaLeThJM3z9uN6 Produced by Crate Media.