Amy and Andre are 42 and 34 respectively. They make $140k a year, but they admit they’re often waiting for payday. They’re buried in debt and can’t seem to make any progress, which is bringing serious anxiety and stress into their lives.
Their biggest issue? Their fixed costs sit at 92% of their total income. We uncover all kinds of solutions as to how they might address this problem, but they struggle to grasp the reality of it all.
What’s worse, they submitted their Conscious Spending Plan showing a -2% for guilt-free spending. They not only have no joy tied to their money, but on paper, they show it as a detractor on their lives. This is a serious problem—let’s see if we can get them on the right track.
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120. “We have 3 kids, $1k saved, $0 invested. Is it too late for us?”
119. “He’s not ready for marriage. So why did we buy a house together?”
118. “Before kids, I made $20k/month. Now he wants me to be a housewife” (Part 2)
117. “He earned $17k last month—but it's not enough” (Part 1)
116. “She manages the money. I ignore it. What’s the problem?”
115. “We’ve fought about money for 29 years. Is it time for divorce?”
114. “Why did we spend $40K on trips we can't afford?”
113. “I feel like the parent in our marriage. And I hate it”
112. “I pretend I want to change. But I refuse to do anything different”
111. “We rushed into buying a $730K house. Now I can’t sleep at night”
110. “My boyfriend doesn’t care about money. Will I ever feel secure?”
109. Where Are They Now? Netflix Reunion with Donnell and Monique
108. “We achieved FIRE with $4.3M. Why can’t we enjoy it?”
107. Guilt-free travel: How to plan, save, and spend on amazing vacations
106. “I’m about to make $300k but we might have to live in our car”
105. What’s the point of tracking every penny?: Ramit’s 3 Lessons from Ep 104
104. “We’re worth $1.25M, so why is he afraid to get a $15 gym membership?”
103. It’s time to cut off your son: Ramit’s 3 Lessons from Ep 102
102. “If he doesn’t stop supporting our 31-year old son, we won’t be able to retire”
101. Where Are They Now? Netflix Reunion with Millie and Christian
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