{"id":119021,"date":"2023-07-04T13:06:12","date_gmt":"2023-07-04T17:06:12","guid":{"rendered":"https:\/\/www.iwillteachyoutoberich.com\/?p=119021"},"modified":"2025-04-07T10:10:55","modified_gmt":"2025-04-07T14:10:55","slug":"111-jonathan-shalom","status":"publish","type":"post","link":"https:\/\/www.iwillteachyoutoberich.com\/111-jonathan-shalom\/","title":{"rendered":"Episode 111. \u201cWe rushed into buying a $730K house. Now I can\u2019t sleep at night\u201d"},"content":{"rendered":"<p><iframe title=\"\u201cWe rushed into buying a $730K house. Now I can\u2019t sleep at night\u201d\" src=\"https:\/\/www.youtube.com\/embed\/xDiT9akke_8\" width=\"100%\" height=\"400\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p><iframe style=\"border-radius: 12px;\" src=\"https:\/\/open.spotify.com\/embed\/episode\/0kW2dycLmUUfdWg47k8lgc\" width=\"100%\" height=\"352\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<p aria-level=\"4\"><span data-contrast=\"none\">Jonathan and Shalom are young, 31 and 27, married for 5 years and getting used to a big addition to their lives\u2014a rushed home purchase in the Pacific Northwest that tints their relationship with conflict. Jonathan buries himself in the numbers. Shalom buries her head in the sand.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:375,&quot;335559739&quot;:375,&quot;335559740&quot;:533}\">\u00a0<\/span><\/p>\n<p aria-level=\"4\"><b><span data-contrast=\"none\">This episode is brought to you by:<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:375,&quot;335559739&quot;:375,&quot;335559740&quot;:533}\">\u00a0<\/span><\/p>\n<p aria-level=\"4\"><span data-contrast=\"none\">Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at\u00a0<\/span><a href=\"https:\/\/facet.com\/ramit\"><span data-contrast=\"none\">https:\/\/facet.com\/ramit<\/span><\/a><span data-contrast=\"none\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:375,&quot;335559739&quot;:375,&quot;335559740&quot;:533}\">\u00a0<\/span><\/p>\n<p aria-level=\"4\"><span data-contrast=\"none\">DeleteMe | If you want to get your personal information removed from the web, go to\u00a0<\/span><a href=\"https:\/\/joindeleteme.com\/ramit\"><span data-contrast=\"none\">https:\/\/joindeleteme.com\/ramit<\/span><\/a><span data-contrast=\"none\">\u00a0for 20% off.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:375,&quot;335559739&quot;:375,&quot;335559740&quot;:533}\">\u00a0<\/span><\/p>\n<p aria-level=\"4\"><span data-contrast=\"none\">Methodology | Visit\u00a0<\/span><a href=\"https:\/\/gomethodology.com\/ramit\"><span data-contrast=\"none\">https:\/\/gomethodology.com\/ramit<\/span><\/a><span data-contrast=\"none\">\u00a0and use code RAMIT for 10% off your first order of Methodology.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:375,&quot;335559739&quot;:375,&quot;335559740&quot;:533}\">\u00a0<\/span><\/p>\n<p aria-level=\"4\"><span data-contrast=\"none\">Long Angle | If you\u2019ve made a lot of money and you\u2019re looking for a community of peers to turn to for advice, go to\u00a0<\/span><a href=\"https:\/\/www.longangle.com\/\"><span data-contrast=\"none\">https:\/\/www.longangle.com\/<\/span><\/a><span data-contrast=\"none\">\u00a0to learn more.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:375,&quot;335559739&quot;:375,&quot;335559740&quot;:533}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><b><span data-contrast=\"none\">Tools mentioned in this episode<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335557856&quot;:15003381,&quot;335559685&quot;:0,&quot;335559737&quot;:450,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:768}\">\u00a0<\/span><\/h2>\n<p><a href=\"https:\/\/www.iwillteachyoutoberich.com\/should-i-buy-a-house-now\/\"><span data-contrast=\"none\">Should I Buy a House Now? (5 Guidelines &amp; Perfect Timing Tips)<\/span><\/a><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><b><span data-contrast=\"none\">Show Transcript<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335557856&quot;:15003381,&quot;335559685&quot;:0,&quot;335559737&quot;:450,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:768}\">\u00a0<\/span><\/h2>\n<p><a href=\"https:\/\/drive.google.com\/file\/d\/1m9ybk7MHbLlGwWnLm8Xe8kP39EysfPAb\/view?usp=sharing\"><span data-contrast=\"none\">Download the full transcript PDF.<\/span><\/a><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:00:00]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0We put the offer down in the house, and literally, I woke up the next day, and actually, for the two weeks before closing, almost every night I had panic attacks. Yeah, crazy level of anxiety. The psychological burden of debt for me, I don\u2019t know, I felt it in my body in a very real way.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:00:20]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0We weren\u2019t at the healthiest place. On the other hand, he had to make a financial decision. So a lot of the conversations we had was, I\u2019m doing this for you, but do you want it?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:00:33]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What was your monthly payment on the place you were renting right before this?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:00:38]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0We\u2019re paying about 1,800, um, per month for rent.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:00:42]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And now what are you paying?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:00:44]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0We\u2019re paying 4,150. When I put my head down my pillow at night, it\u2019s like, okay, so even if all the numbers work fine, this seems like there\u2019s this huge liability of the house hanging over my head.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:00:55]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0I have this big picture of like, oh, it\u2019s fine. We\u2019ll be fine. And the stress is on him because he does everything for planning, and finance, and all of that stuff, and I don\u2019t. So I live with peace, and he loses his sleep.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Narration]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:01:09]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Meet Jonathan and Shalom. Jonathan is 31, Shalom is 27, and they\u2019ve been married for five years. He works in tech as a program manager, and she is a nurse having recently finished her second degree. What we\u2019re going to talk about today is how they have started to disagree about money when it comes to their house.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">They recently bought a house, and I want you to hear the way they talk about money and about things like getting a couch because so many of us will have the exact same conversations at some point in our lives. As always, remember that you can watch this full episode on YouTube, which is quite entertaining to see the facial expressions and body language. All right. Let\u2019s get to it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Interview]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:01:54]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Why\u2019d you guys buy this house, by the way? Oh, I can\u2019t wait for this.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:01]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019ll let you speak.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:02]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0They\u2019re just laughing.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:03]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0You\u2019ll let me talk?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:04]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:05]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0What made us make the leap?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:06]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:08]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, so I think\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:10]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Wow. There\u2019s a lot of smiles going on right now. What in the hell is happening? Everybody\u2019s looking down.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:16]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0I was originally super against buying a house, but I agreed, let\u2019s at least see what\u2019s out there. Be open-minded.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:25]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0When we first started looking for a house, we did it as a date thing.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:30]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Like Sunday date, let\u2019s just go see what\u2019s around.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:33]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Saturdays. Why don\u2019t we do open house and see what\u2019s on the market, and how much it is, and what the process is? Because I don\u2019t know how\u2013 buying a house\u2013 my parents don\u2019t own a place or a house, a property in the US. So, um, we started attending open houses, and it just went really fast. And we saw this place, and then we had to buy it a week after.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:56]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0The two of you were like, oh, let\u2019s go on date night today. What do you want to do? I want to go to ice cream. I want to go to an open house. And then you blink your eyes, and you tripped and you fell, and you handed over $500,000 or something. It\u2019s the most expensive fucking date night in history.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:03:14]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0And I think when we had the conversation\u2013 housing is so expensive in Seattle, and this was on the lower house market. And if we ever buy a place, this might be the lowest price we would get for the area we\u2019re in. And that was the rational I had, if we end up having kids, that we\u2019re going to need a place that\u2019s bigger than just an apartment. For our freedom too. We both grew up before I came to the US, or Jonathan also grew up with a big backyard. And we had a very good memory just playing outside and running around.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">For me, I want to be able to do that for the kids we\u2019re going to have, and I don\u2019t want to waste kids in an apartment, a very tight area. With that emotion, though, I think we rushed into, hey, we need to get the house, and whatever we can with the budget or with the price that we can buy it now.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:18]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0Things go very, very fast. You start looking at houses, and then you get into negotiations, and then things go very fast. The house we were looking at, someone else had an offer down. So I think it\u2019d gotten like, how can we win the house? And then the issue is once you put your money down, uh, put big earnest payment, then\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:42]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What was your first bid for the house?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:44]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, so our first bid was originally going for 700.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:47]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh-huh. And what\u2019d you end up getting it at?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:55]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, we had to counter the full price.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:59]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Full was what?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:05:00]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0730. I don\u2019t think I realized just financially, um, and emotionally everything that goes into buying a house?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:05:06]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What do you mean? It\u2019s just, uh, you look at the internet, and everybody says you buy a house, and then it prints money, and then if you don\u2019t like it, you just rent it out, and that\u2019s how you create generational wealth. Are you telling me they\u2019re not telling you the full story, Jonathan?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:05:20]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0No, and I did run the numbers as it were. Yeah, I would just say that there\u2019s things that you\u2019ll look at in a spreadsheet, and it works out. The numbers may work, but just the psychological element of being in that much debt and then how there\u2019s\u2013 fixed costs are not the same thing as, uh, your other money. It\u2019s required of you every single month.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Narration]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:05:48]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All of this is hilarious, and I really like Jonathan and Shalom, so we\u2019re all having fun. One thing I do want to point out is that offhand comment she made about, if we have kids, we\u2019re going to need a bigger place. And we grew up with a lawn, and it has so many good memories. It is no accident that when people go through life changes in America, they all say the same thing.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">I\u2019d rather have a small wedding and put a down payment on a house, or we\u2019re having kids, so we need a bigger car and a house with a yard. Do you find that interesting? Do you think that every one of us just independently came up with the exact same phrases? Do you think that other people in other countries say the same things? Or do you think there might be a series of organizations who stand to profit from you believing you need to spend hundreds of thousands of dollars at a very specific time in your life?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Just remember, these peculiar beliefs about money pop up in very specific circumstances over and over again. If you decide you want a house with a lawn or a certain type of car, fantastic. If you can afford it, you run the numbers, and it\u2019s joyful to you, great. But do not simply slide into someone else\u2019s idea of a rich life.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Interview]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:07:02]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What was your monthly payment on the place you were renting right before this?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:07:07]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, that was part of the thing that was really stressful. So we\u2019re paying We\u2019re paying about 1,800, um, per month for rent.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:07:15]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a01,800. And now what are you paying?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:07:18]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0We\u2019re paying 4,150, which I didn\u2019t put on the plan, but next year, it\u2019s going to be going up 500, and then the year after that, it\u2019s going up 500.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:07:28]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0No, no, that can\u2019t be, because everybody tells me that real estate allows you to lock in your price and you never pay more. That\u2019s what the internet told me. Uh, and by the way, your utilities cost 400 bucks a month, right? Let\u2019s not forget that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:07:40]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:07:41]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right. That\u2019s a considerable jump. You went from 1,800 a month in rent, which was all in. That\u2019s how much you paid. That was it. To now, 4,500 plus assorted phantom costs that haven\u2019t even really been added. Let\u2019s just say, I don\u2019t know, four, 500 bucks extra a month. Ballpark. That\u2019s a huge jump.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:08:03]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:08:04]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0More than double.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:08:06]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0When I put my head down my pillow at night, it\u2019s like, okay, so even if all the numbers work fine, this seems like there\u2019s this huge liability of the house hanging over my head. It\u2019s just like those things, like flood, there\u2019s mold. I mean, there could be a tornado hits the house. I mean, and it is one of those things where, um, I feel that weight.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:08:28]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Shalom, what happens when your head hits the pillow? Are you thinking about the spreadsheet?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:08:32]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0I fall asleep. No.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:08:34]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0It\u2019s so interesting.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:08:36]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0I have this big picture of like, oh, it\u2019s fine. We\u2019ll be fine. And the stress is on him because he does everything for planning, and finance, and all of that stuff, and I don\u2019t. So I live with peace, and he loses his sleep.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:08:50]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0It\u2019s so interesting. I wonder if there are any patterns here. Um, the person who just lapsed into taking care of the money is the one who\u2019s consumed with worrying about it, and the one who goes to work and says like, oh, I trust him, she\u2019s fallen asleep within two seconds. Any patterns here, anybody? Y\u2019all see the pattern?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:09:16]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0I Yeah, I can see the pattern.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:09:18]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0I think mainly in, probably a fear, um, side of things. So we put we put the offer down in the house, and literally, I woke up the next day, and, uh, actually, for the two weeks before closing, I almost every night I had panic attacks. Yeah, crazy level of anxiety. I think it started to\u2013 the psychological burden of debt for me, I don\u2019t know, I felt it in my body in a very real way.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:09:48]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0We weren\u2019t at the healthiest place, both of us. I got attached to the house because we toured so many houses, and this felt like it was the house. And for Jonathan, on one hand, when he says no, he felt like he was not doing the right thing for me. On the other hand, he had to make a financial decision. So a lot of the conversations we had was, I\u2019m doing this for you, but do you want it?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Narration]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">This is the most American story I\u2019ve ever heard in my life. Two people are just going out for coffee, having a nice walk, they stumble into a Saturday open house, and then they go, you know what, we should do this every Saturday. They do it for months. They get so tired. In their ears, meanwhile, people are chirping saying, you need to buy a house. You\u2019re just throwing money away on rent.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Meanwhile, they\u2019re looking at prices going, how are we ever going to afford something like this? Then one of them starts going, well, what about kids? Well, we don\u2019t have kids yet. Well, one day we\u2019re going to have kids, and then we need to have a yard and a lawn for them. Then the other one starts having panic attacks. Then they start arguing. What about me? What about you?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">And finally, they go, screw it. Let\u2019s just write a check. I\u2019m done with this. And then seven months later, they end up looking back and going, uh, we\u2019re paying more than double what we paid in rent. Okay, look, buying might end up being a good decision for them, but the way they made this decision is fascinating to me. It is exactly what the real estate industry wants people to do.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Interview]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:11:10]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0I never had to live by myself after\u2013 we got married right after graduation, so I never had to experience even after getting a job what it means to plan or actually budget. A lot of it has been done by Jonathan.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:11:25]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:11:26]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Our income is combined, but a lot of it is done by him, how we budget our life and what we do.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:11:33]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0Early on in our relationship, I was the one who just had a little bit more fluency around money. Um, little more background around money. I probably, in the began relationship, uh, just handled things. I wouldn\u2019t say I was overly controlling, but that\u2019s the default roles we fell into.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:11:49]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So what is an example of something that you previously were totally aligned on, financially speaking?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:11:55]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Traveling.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:11:56]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Where did you go?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:11:56]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0We do a lot of travel. We\u2019ve been to a lot of different places. Italy, Mexico, Ethiopia.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:12:04]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0Sweden.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:12:05]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, we travel quite a bit. So in those areas, we tend to agree on how much we spend and the amount of money we allocate toward those things.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:12:15]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What would be perhaps the most expensive trip that you have taken together?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:12:21]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Europe, Italy, and England.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:12:23]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So how did you decide how much to spend? Was that decided ahead of time, or was it after the fact? Talk to me about that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:12:33]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019d say we went in with the budget. Um, I think we did end up exceeding it a little bit, but yeah, we were pretty careful in how we went forward with spending and so forth.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:12:42]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Who came up with the budget?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:12:45]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Jonathan did.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:12:46]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0That was me.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:12:47]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m going to guess that\u2019s a trend, right?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:12:49]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes. And it\u2019s a reflection I\u2019m actually thinking about right now. We do travel a lot together, but a lot of the budgeting is put by Jonathan, and I don\u2019t even have to worry about how much we\u2019re planning because he does a lot of the planning, and I trust his planning, and, um, I trust whatever happens afterwards.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:11]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm. So I have a question for you. You said, I don\u2019t have to worry. I noticed you used that word worry. Is thinking about money the same as worrying about it?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:20]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Sometimes. Since we moved in, there\u2019s a couple things that needed to get done, painting the house, fixing floors, that kind of stuff. And now, for me, it\u2019s like, let me furnish the house, but Jonathan has been putting a pause on those things and saying we don\u2019t have the budget for that now, and we can\u2019t do those things. And in my head, the house is empty, so we need to go and actually make it feel like a home.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:46]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Is it empty? Literally empty?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:49]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Not literally, but there are things that should be there that are not. They\u2019re not there.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:55]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Can I see?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:56]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0The living room? Okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:58]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right, let\u2019s get a look here.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:59]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0House tour.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:01]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0How new is this house?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:03]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, we moved in completely last week.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:07]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, wow. Okay. Pretty new. All right. And you just bought it. Is that correct?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:11]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:12]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:12]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0So it\u2019s a little messy, but this is what it looks like right now.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:15]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right. Hold it right there. Don\u2019t move. So we\u2019re looking at, what is this? Your family room?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:20]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:20]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Beautiful living room. So you think that\u2019s missing a couch?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:26]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Should be better to have a couch, but we have another couch that\u2019s by the entrance, which is right there. There\u2019s all the paper on the floor, so excuse me for that. Um, Jonathan wants that couch to move on that side, and we don\u2019t need another couch.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:43]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Ah. And is that a source of disagreement with the two of you?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:46]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:50]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, just pan over that way towards the couch, would you? I just want to get a feel for this. All right. Thank you. I\u2019m sure there\u2019s more, but I think we get the idea.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:57]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:02]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s cool. I like that. We just got the home tour. Thank you. This might be the first\u2013 are we the first people who have ever seen your house?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:09]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:10]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0I think so. We haven\u2019t had people over yet, so we\u2019re probably doing a housewarming party in a week or so.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:14]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Love it. All right.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:15]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019ll send you an invite.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:17]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right, please. Me and just a few million other people who are going to see this. This is great. All right. So you move in about a week ago, and you\u2019ve been talking about getting new stuff, furnishing it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:29]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0I say, we should probably get a couch for the living room, and Jonathan responds\u2013 you can go ahead and respond.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:37]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, I usually count it in terms of trying to create a budget for it, and then planning for it, and distributing that amount we put every month to getting it.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:49]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:49]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0Usually, I count for it.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:52]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t get upset right away, but I try to get rational out of him. So yes, budgeting makes sense, but at the same time, we just moved to a new house. And after we do the basics, then we can save. Getting a couch, and then we can put money if we need to do anything else on the house.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:16:15]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So how long do you want to go before you get a couch, Jonathan?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:16:17]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s a good question. Probably a good year. I guess I tend to have pretty simple requirements.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:16:26]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0That noise was Shalom bursting into laughter. Why are you laughing?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:16:30]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m laughing because it\u2019s funny to me. How can you live without a couch for a year?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Narration]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:16:35]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0This is actually pretty interesting. It\u2019s funny, but I can also see both sides. Jonathan says, we should save for a couch, then buy it. Shalom\u2019s like, um, how long can you live without a couch? A year? Remember this detail.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Interview]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:16:49]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, this is going to happen pretty soon, right? You\u2019re having this get together next week.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:16:52]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Exactly.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:16:53]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh wow. The stakes are high. Wait, so what\u2019s going to happen? Right now, if you had people come over tonight, what would they do?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:01]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Will you please answer that, Jonathan?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:03]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0I mean, we do have a nice backyard, so it\u2019d probably be a long party kind of thing.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:09]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Standing?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:10]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, could be standing. Yeah. Or picnic blankets maybe. So yeah.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:15]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0I can\u2019t wait see that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:16]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0What does a house mean to you?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:18]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0As I said, we live in a community. This space provides that home for those people too. Family comes, stays with us. Friends traveling, they stay with us. And having that space for me is huge, versus, like, oh, it\u2019s just a sofa. And, um, yeah, basically a little shelter.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:41]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right. What does a house mean to you, Jonathan?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:45]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, I\u2019d say, um, a house, uh, [Inaudible] mean just renting a house, owning a house, or just house in general?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:52]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Your house.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:53]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0My house. Yeah. I would say that a house is not really a good investment, but I think, for me, also there is an element of which when I\u2019m done living in a house, uh, I don\u2019t end up in a worse financial situation, even if I\u2019m not getting great returns on it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:18:09]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0When it comes to house, he does not care. Literally, we can live in\u2013 we lived in a 500 square feet apartment. And that was his idle space to live in.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:18:20]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0He doesn\u2019t care, but you care.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:18:22]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0I care about that stuff. Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:18:23]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0When it comes to the house, there\u2019s all these different things around, like remodeling the house. So furniture was the first thing, but, uh, we\u2019ve talked about\u2013 had contractors coming in, do estimates. Sham really wanted to get the kitchen done and turned out it was going to be about 60,000, I think was what we were looking at. For me, that was just complete shock. I reacted very strongly and said there\u2019s no way. We just put down a huge amount for a house. There\u2019s no way we can go ahead and throw more money into the house.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">I\u2019m not sure I\u2019d ever want to spend 60k on the house, I think is where I\u2019m at. It feels like I\u2019m putting all of my extra cash in something that, for me, isn\u2019t, I would say as much part of my rich life. It\u2019s more of those things, like experiences and so forth. And one of those things that really triggered it for me or brought on everything was, we just celebrated our fifth-year anniversary, and we spent about a $1,000 celebrating.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">And it was a really fun time, but then I remember, um, about five years ago, when we got married, it was about 15,000 for a wedding. It was pretty decent, but first day we own the house, we end up remodeling the floors, and we paid the same amount. And so in my mind\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:19:42]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You paid 15k for the floors?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:19:44]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, 15k for the floors. And so for me, I pay attention to numbers quite a bit, but the amount of joy and happiness that we had on our wedding and how much money we spent, how much we were able to create a really wonderful environment, really wonderful experience, and then the satisfaction I got from wood floors, which don\u2019t get me wrong, they\u2019re great wood floors, but that for me helped clarify I think where I see myself when I spend money.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:20:13]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Sounds like you got much more enjoyment from 15,000 spent on your wedding than 15,000 spent on floors. Is that right?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:20:20]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s correct.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:20:21]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right, Shalom, what did you enjoy more? Hold on. What did you enjoy more? Your wedding or the floors?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:20:27]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0My gosh, this is so hard. The floor. I think I would choose the floor because we\u2019re going to have it for the next 30 years.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:20:41]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right. Wait, I don\u2019t even know what to say right now.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:20:48]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes, I loved my wedding. It is a wedding, and I cherished it, but the floor, it will last forever. Not forever, obviously. We\u2019re not going to live here forever, but, uh, it sounds really stupid.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Narration]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:02]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay, I was a 100% sure she was going to say, I love my wedding more than the floor that I walk on with my dirty feet. And Shalom looked me straight in the eye and said, I love this goddamn flooring. I am speechless. This is why I love my job.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Interview]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:17]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0Where we live, it\u2019s more expensive, uh, mortgage than, uh, to rent. So we couldn\u2019t make the money. Uh, I think it\u2019s about 3,500 to rent a similar house. So we\u2019re already paying more than it would cost to rent.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:34]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Can I just articulate that so everybody understands it? So you\u2019re telling me to rent a similar square footage, similar bedroom, bathroom in your neighborhood, it\u2019s 3,500?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:45]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0Correct.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:46]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Everybody, listen up and listen closely. It\u2019s 3,500 to rent a similar place, and you guys are paying how much per month all in? All in, how much what did you say?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:00]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Would be close to.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:02]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. This year, it\u2019s probably going to be five. Maybe five and a half.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:06]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, exactly. 5,500, conservatively. Yes. So just so everybody understands. People go, it\u2019s always cheaper to buy. No, it\u2019s not. So you\u2019d modeled it out. In your model, Jonathan, had you calculated that it would cost 5,500 a month?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:22]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0No. The issue is I used these ballpark numbers, but I didn\u2019t actually get the real numbers. And so for me, I think I didn\u2019t quite internalize it. I looked up online how much you generally spend on things, but because I was using just general numbers, I didn\u2019t really personalize it. I think\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:41]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You\u2019re picking 1% per year for maintenance, that kind of thing, which explains why this couch has become a central focus. Shalom, do you see that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:51]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes. Yes, I do.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:52]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So it\u2019s not just the couch. It\u2019s like that old movie about washing dishes. Who is it? Rosie Perez, she\u2019s like, I don\u2019t want you to wash the dishes. I want you to want to wash the dishes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:23:03]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0I think the house has to do with the quality of life we\u2019re living too. We spend so much time in the house. Um, whatever we buy for the house or we put into the house, we spend in it more than we spent time traveling. So it\u2019s not just a house, it\u2019s also our like dwelling space.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:23:20]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You\u2019d be willing to spend more on the house if it meant you traveled less?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:23:25]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0I think house would come first for me.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:23:28]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Have you ever made these tradeoffs before with money?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:23:32]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0No.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:23:32]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. So if that\u2019s the case, and your income is combined, and he \u201cworries about money,\u201d and it seems to work for you, then just out of curiosity, why not just let him handle the money for the house? Why is it different for the house?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:23:51]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, I think that is what\u2019s making this a little hard for us too. We both love to travel. We both love to try new things and stuff. I am more into doing interior stuff and house stuff, and Jonathan dislikes or hates that actually. So I think that\u2019s why we\u2019re having a lot of disagreements. We don\u2019t have the same value when it comes to home and house, but the rest of our values align when it comes to actually doing stuff together or spending money toward other things.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:24:23]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Jonathan, where\u2019d you grow up?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:24:25]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, I grew up on Bainbridge Island, so it\u2019s an island in the Pacific Northwest,<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:24:30]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What would you describe, uh, your socioeconomic status growing up?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:24:34]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0Probably upper middle class.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:24:37]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Upper middle class. All right. What do you remember your parents\u2013 was it two parents? One parent?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:24:43]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Uh, it was two parents. Um, my dad, in our family, he\u2019s the one who handles the spreadsheets. He\u2019s got a spreadsheet larger than I can possibly imagine. Horizontal scrolls, vertical scrolls, a 100 columns. He\u2019s got serious records, um, of every penny that goes out of the house. My mom, she trusts my dad, and he tends to do a pretty good job at it. So that\u2019s their roles. So I think that\u2019s definitely influenced me.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:15]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0When did they talk to you about investing? What age?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:18]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0So investing, I\u2019ve actually probably got to give you credit for that. I think even before it comes to investing, aside from saving, I actually came across that idea in your book in sophomore year in college.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:34]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So you found that on your own.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:35]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:36]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You don\u2019t recall your parents talking about that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:39]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0No. I went to my parents afterwards and asked my dad a lot of questions, and he helped a lot, just filling in information, but yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:45]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, did your parents pay for college for you?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:48]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, no, they helped, but I paid.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:51]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Cool. How\u2019d you do that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:53]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0So I went into a fair bit of debt in college. And in sophomore year, uh, I read your book. Uh, and then after graduating, um, I lived in, essentially a closet for probably a few years.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:26:11]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What was your rent?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:26:13]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0What was my rent? I paid $600 out of college.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:26:17]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. What do you do?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:26:18]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m a program manager in tech.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:26:21]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Cool. All right, so your parents were upper middle class. They did talk to you about finances, but not to the level of investing, and you went to school, sought out your own education, found my book, etc., lived frugally, and then eventually, I\u2019m guessing, increased your income and paid off a bunch of debt. Right?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:26:42]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0Correct.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:26:43]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right. Shalom, tell me about what you remember about money as a kid. Where did you grow up, by the way?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:26:50]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, I moved to the US when I was 14, so before that, I was in Ethiopia. Two parents and two younger siblings.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:26:57]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Got it. Are your parents still abroad?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:27:00]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0No, they\u2019re in the US. They live here in Washington.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:27:03]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Let\u2019s start back to when you were in Ethiopia. What do you remember about money back then?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:27:10]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Culturally, from what I remember, people don\u2019t really talk about money, but I remember my parents would try to invest in real estate. So they would have one home, and then they would do another apartment or something to invest or put money toward that, potentially rent it. Um, but there was never a conversation with us about how we should save or invest money.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">But I remember in college, um, my dad was telling me that I should use money to serve me, not to become a slave of it. And in fact, I didn\u2019t know anything about stocks or any of that until my youngest brother reached high school and started putting money towards stock. And I remember coming home, you\u2019re about to lose a lot of your money. And he was in high school. He would work part-time after school, and he would put his money towards that. And I thought it was just some fraud that people had out there.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:12]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right. And then what happened?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:14]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, I mean, he is well off now in college. He didn\u2019t take any loans. He paid his college, and he bought a new brand new car for himself to commute. Yeah. He was very self-sufficient.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:28]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right. Great. So, um, when you graduated, how many years ago did you graduate from college.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:36]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a02017, and then I went back to school again for a different degree.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:41]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s awesome. All right. Fantastic. Okay, so that\u2019s great to hear. And just so I understand correctly, you both, uh, when you met, which was more than five years ago, um, Jonathan started taking over day-to-day, what to do with the money. Is that right?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:29:03]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:29:03]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Is that common? Is there a cultural thing here, Shalom, where yougrewup?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:29:09]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0No.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:29:10]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0No, it\u2019s not.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:29:11]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0And my household, my mom is the one who managed the money, and she\u2019s very much\u2013 my dad is basically in my position where, um, mom takes care of everything financially or manages everything. He knows, but I don\u2019t think he has the interest. I feel like we\u2019re on the same page. I am interested to the point that I know where the money flows going, but not to the point like, I want to know exactly what happens month to month.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:29:45]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:29:45]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0I know it\u2019s in a good hand, and it\u2019s a safe hand in my head.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:29:49]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. With Jonathan.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:29:50]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:29:50]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. What does your mom say, by the way, about your money management?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:29:56]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, I used to be known in the house for spending a lot.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:00]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm. And now?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:02]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0And now I think I\u2019m better. And actually, they warned Jonathan before we got married that I was very expensive.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:09]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And, uh, was that a half joke, like, ha ha ha, she\u2019s expensive, but also like, she likes to spend money.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:18]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Watch out. Both\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Narration]\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:19]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Even though they have different views on money, they\u2019re both very likable. They\u2019re open with how they feel, and they\u2019re young. So even if they\u2019re not totally on the same page, they still have time to get there. Let\u2019s see if we can look at the numbers.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Interview]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:34]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Can you read off assets, and then tell us the number that\u2019s next to it, please?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:40]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0730,000.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:43]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What are these assets that you have?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:48]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t know. I think it\u2019s stocks.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:52]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t think it\u2019s that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:54]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Car, property. I don\u2019t know. I think it\u2019s the house.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:57]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. You don\u2019t know. That\u2019s fine. Investments, what do you see?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:31:02]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, 90,000.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:31:04]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a090,000. All right. Savings, what do you see?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:31:07]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a060,000<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:31:09]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh-huh. And debt?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:31:11]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0655,000.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:31:13]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What\u2019s that total net worth that you have?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:31:15]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, 225,000.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:31:18]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right. Have you ever seen these numbers before?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:31:21]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Not this part.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:31:26]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right. The patterns always show up. It takes me a little while, but the patterns always show up, don\u2019t they? All right. So I love putting Shalom on the spot when she\u2019s never seen these numbers in her life. Uh, what do you think about this number, 225,000, as your total net worth? Is it good? Is it bad? What do you think?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:31:44]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0I mean, it\u2019s good. It\u2019s a positive number.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:31:46]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. All right. That\u2019s what she\u2019s got to say. All right. Positive numbers are good. 225,000, the two of are pretty young. That seems great to me. And then what\u2019s this generosity number?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:31:59]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0So generosity, that\u2019s a lump fund that we\u2019d like to keep. Could be generosity just with like, let\u2019s say we know someone who\u2019s in need, also tithing for church, and that sort of thing. Basically whatever causes are important to us.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:17]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Your savings is 16%. That\u2019s pretty aggressive. Why is your savings so high?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:24]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0So in general, I hear people say the rule for how much you should budget monthly for house is at least 1%.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:33]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0This really shows you that when you buy a house, not only do you have to pay those expenses up in the fixed cost, but you actually have to start putting a lot of money for future stuff.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:44]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:44]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0It may be future stuff that you know about, like we want to do the backyard landscaping, or it may be future stuff that hasn\u2019t broken yet, but it will break. Oh, he\u2019s looking down, and he\u2019s putting his head in his hands. What\u2019s going on?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:56]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0You mentioned the landscaping, so that\u2019s a whole other topic.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:00]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, well, why don\u2019t we just get into it right now?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:02]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0Sure.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:02]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You know I live for this.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:04]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0It was the first day after we put the offer down, uh, I was at a family gathering, and, of course, the house comes up as it sometimes does, and, uh, we mentioned we put an offer down, and I showed pictures. That\u2019s the thing you do after you say you bought a house. People want to see pictures. And so I go around with Redfin on my phone just showing people pictures.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">And my brother-in-law, who actually does a fair bit of gardening, he used to do landscaping back in the day, looks at the landscaping, he is like, wow, that\u2019s gorgeous landscaping. Um, I hope you like landscaping. And just to give you some background. I\u2019m someone who loves books. I don\u2019t do thing anything really other than\u2013 I\u2019ll mow the lawn. So when it comes to maintenance, that kind of thing, uh, I didn\u2019t realize it until that conversation.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:03]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Wait. Hold on. Do you like Home Depot?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:05]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0I absolutely hate Home Depot.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:08]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0My man.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:09]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0I have a bit of trauma, I think, just childhood trauma. My parents would spend hours trying to find a light fixture.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:15]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Wait. Me too. I hate this place.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:18]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. And there\u2019s something, that smell of wood chips and chemicals\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:24]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Wood chips and despair. So your brother-in-law mentions this to you. And then?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:28]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. So my brother-in-law mentions landscaping, and he\u2019s like, [Inaudible] shrubs. The shrubs, you\u2019re going to have to hire a pro to do it. You\u2019re going to have to really go on YouTube and watch videos. That\u2019s what people say.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:40]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I would\u2019ve hired somebody off Upwork. Well, not even Upwork. I don\u2019t even know where you hire people to come to your house, but I would\u2019ve been like, bring a chainsaw and a garbage bag.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:49]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s exactly what he said.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:51]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh. Here\u2019s 20 bucks. Be gone in 10 minutes. I don\u2019t care how you do it. Did you say that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:59]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0This is probably one of our biggest fights actually with the house. We\u2019ve had some disagreements, but, um, Shalom was in the background, and I just pulled my brother-in-law, I\u2019m like, oh, I can give the shrubbery a trim. It won\u2019t need another one. And yeah, it\u2019ll be gone.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:18]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Done. Functional. Very utilitarian.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:22]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0Shalom heard chainsaw and the shrubs, and let\u2019s just say she had a reaction,<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:30]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Wait, what was your reaction? I\u2019m asking very intently because one day this might happen to me, and I need to know.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:36]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, it sounded very ignorant. He was telling your people around the party that he\u2019s going to just literally take that thing out when he goes back. And then I\u2019m just hearing that\u2013 the lady who was here, she put a lot of work to it, and they\u2019re not cheap shrubs. You call them whatever you want, but they\u2019re not cheap trees.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:56]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m listening. Keep going. This is so funny.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:01]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes. So that\u2019s what happened.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:03]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0He wasn\u2019t even kidding. He was serious. I\u2019m going to just\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:05]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0He was going around saying that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:10]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0This is amazing. All right. So, uh, are the shrubs still there?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:16]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes, they are.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:17]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And, uh, who takes care of these beautiful things?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:20]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0We\u2019re trying to figure that out right now.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:22]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. I don\u2019t want to put my generosity money for the shrub. I don\u2019t know.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Narration]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:27]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I just love the idea of walking into their house, Jonathan and Shalom are sitting at opposite ends of the table, both of them looking at their phones, so angry with each other, and I\u2019m like, hey guys, it\u2019s Ramit Sethi here. How\u2019s it going? And they totally set aside the years that it took for them to get to know each other, the unlikely journey it took for them to meet each other, to get married, to buy this house, and they just look up and start cursing about these shrubs.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">You know what, I have this guide I put together of questions to ask before you buy a house. You know what I\u2019m going to do? I\u2019m going to add an extra section on expensive shrubs that can add massive relationship fights. Go ahead. You can find that link right in the show notes. I\u2019m not kidding. Click the link. It\u2019s in the show notes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Interview]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:12]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0I think it goes back to my principle of putting as much money as possible in creating experiences, everything. Just for me, it is a small amount of money. I could probably compromise. Uh, I think for me, I feel I\u2019m already at the top of what I feel comfortable spending for total housing expenses.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:33]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Shalom, what did you just hear?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:37]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0That he does not want to put more money into the house.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:42]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0There is a part of that. I think I\u2019ve heard people often say, any money you put into the house, you get it back.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:48]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Bullshit.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:49]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0The top percent, if you\u2019re really lucky, uh, in the right market and everything, you\u2019ll get about 80% back on something. And that\u2019s best case. And in my mind, maybe this is where I focus so much on spreadsheets. When someone says, I have an investment for you, and it\u2019ll return you 80% of the money you put in it, I guess I have a hard time going with that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:10]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I agree. First, let\u2019s just clarify what Jonathan is saying, which is that a lot of people say, like, any money I put into the house basically turns into equity. And so if I paint or if I, uh, upgrade the kitchen or whatever for $50,000, then I\u2019m going to be able to sell the house for $50,000 more. Which is largely bullshit because most upgrades people make in a house is purely a cost. You\u2019re not going to recover much on it.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Just go look at some people\u2019s ghastly kitchens, or the window treatment. It\u2019s like, I\u2019m not going to pay for your horrible taste. I couldn\u2019t care less that you spent 30,000 on that. Too bad. There are a couple of renovations in a house that tend to pay a little better. These are all easily googleable. But all that said, we should also remember that you are living in a house with your partner. And this isn\u2019t purely a flip that you\u2019re designed to spend as little as possible and squeeze out as much ROI.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">That\u2019s different. You\u2019re actually living in this house. Because truthfully, Jonathan, if you wanted to take that approach and we took it to the logical extreme, you would have old floors. You wouldn\u2019t do any landscaping, because why? You\u2019re going to make no money on it. Obviously, you live there. You got to do something. The question is one of degree. How much money are you willing to put in? Shalom, what do you think hearing this?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:39:39]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0I think you had a fair point, and that\u2019s something I\u2019m struggling with. Communication, or clarity, is a big thing, and I\u2019ve been trying to communicate that. Yes, now I\u2019m understanding the whole idea of it\u2019s actually not just a house. It\u2019s an investment. But at the same time, it\u2019s a place we live in. So it has to be livable for both of us.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:03]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Shalom, what happens when Jonathan gets hit by a bus one day?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:06]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s scary. Yeah. I thought about this, and we talked about this. When I signed up for retirement, I got angsty because I didn\u2019t know what to choose and what to do with all this numbers, and I started losing it saying, I wish I had this much education when I was in high school, or the education a high school should be giving before we actually become adults. Because now I\u2019m in late 20s, and I\u2019m freaking out about signing up retirements.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:35]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. So late. You\u2019re so late. There\u2019s no chance you can catch up now. 27. That\u2019s it. It\u2019s over. You had a chance, but didn\u2019t want to\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:44]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t believe so.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:45]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right. So, uh, anyway, back to my question. What happens, uh, if he gets hit by a bus?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:51]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t know. That\u2019s a very good question.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:53]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And Jonathan, do you ever think about that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:55]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, no, I have thought about that. And one of the things that I think was really helpful, we almost never talked about money when we were first married, and we\u2019ve come a long way, but it just seems like because the house is such a big burden, that it\u2019s forced us to connect on that deeper level. And I think we\u2019re still trying to have those conversations.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:41:17]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. If you have a bad habit in some part of life, when the stakes get higher, that habit emerges. It\u2019s like, I don\u2019t know. If you\u2019re bowling and you have a certain thing you do when you\u2019re bowling, it\u2019s fine when you\u2019re just playing with your buddies. But if you\u2019re playing at the professional level, that\u2019s going to get exposed really quickly.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">And in your case, for the last five years, it\u2019s been fine. Your earnings were probably really good. Taking a trip for an extra $1,000, no big deal. But getting a house is the biggest purchase you ever do. And so any lack of communication, any bad financial habits, such as one partner doing everything and the other not really participating, it gets exposed, and there\u2019s a gap that becomes wider between the two of you. Does that feel like it resonates with you?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:42:10]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes. For sure. When we had less to pay for, when we first got married, again, money was not a thing we talked about.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:42:19]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:42:21]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0He and I made the money. We come together. We\u2019ve put some to our traveling, rent, or whatever, and we never discussed, oh, we should probably save this month. It just automatically goes to things. But now, because there\u2019s this big thing, cold house, and there\u2019s a lot of things I want to do with it, I feel like we have more fights when it comes to money, more conversations that we\u2019ve never had before. Yeah. That\u2019s totally right.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:42:50]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Now, what do we get? What do we get to do with that money? You\u2019re going to set up your monthly meeting, you\u2019re going to talk about it, you\u2019re going to have a calm way of discussing. You go, oh, you know what, I think we misallocated this. Gosh, this is how I\u2019m feeling. And when I look at this, this is what I think. What do you think? I don\u2019t know if I agree, but tell me more. And you talk about it. You go, okay, I see your point. Let\u2019s go ahead and amend it. Done. But you can\u2019t live your life playing defense with tiny little decisions like that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Ironically, for the biggest financial decision of all, the two of you both admitted that you rushed right into it. So there\u2019s a pretty fascinating dynamic going on here. I\u2019d rather have you spend more time on the big stuff and less time on the little stuff. The other dynamic I want to point out is that, um, this is a good start with the CSP. It does feel a bit theoretical in the sense that, um, Shalom, you don\u2019t talk about a CSP. You talk about a couch. This is how I would approach this conversation, Jonathan. I\u2019d be like, okay, Shalom, I understand that you want a couch. What gets you excited about having a couch? Why do you want one?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:03]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0A place to sit, to host.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:05]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay, but don\u2019t we have that little couch by the front door?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:08]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Also the aesthetic.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:10]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, so you want our house to look good? You don\u2019t think it looks good right now?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:14]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, not yet.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:15]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0If we were able to get a couch, how much do you think a couch costs? Ballpark.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:26]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Let\u2019s say two grand with everything.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:28]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Two grand. All right, cool. Okay. So you want a couch. It would be two grand. How soon are you thinking you want that couch? When do you want this couch?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:38]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0I was thinking maybe in the next three months.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:43]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:44]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0But then that\u2019s not going to allow us, the budget. So I can wait.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:47]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0How long can you wait? For example\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:52]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0I can wait a year.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:53]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You can wait a year.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:54]\u00a0<\/span><b><span data-contrast=\"none\">Shalom:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:55]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. So that would be like\u2013 look at Jonathan\u2019s face right now. The guy\u2019s like, huh.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:59]\u00a0<\/span><b><span data-contrast=\"none\">Jonathan:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m impressed.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:45:00]\u00a0<\/span><b><span data-contrast=\"none\">Narration:<\/span><\/b><span data-contrast=\"none\">\u00a0[Narration]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:45:00]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Shalom\u2019s change in perspective about the couch seems small, but I think it\u2019s actually a bigger lesson that we can all apply. Most of us go through life seeing something and saying, I want that. I want that coffee. I want that night out with friends, that car, that house. But very few of us have a system to help us decide.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">We basically just buy whatever we see, and we use very loose logic to decide if we can afford it, and then we wonder why we\u2019re not getting ahead. This way of making decisions stays with us as we become more financially successful. That\u2019s why you hear multi-millionaires on this show who still agonize over the price of gas or blueberries.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">It\u2019s not because they don\u2019t have enough money. It\u2019s because they are arbitrarily making decisions. They have no system. With Jonathan and Shalom, you see this pattern. Jonathan analyzes purchases. Shalom is much more casual about what she wants, but they haven\u2019t developed a way of making financial decisions together.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">The couch is really just a symptom. It\u2019s a small thing, like training wheels. But together they\u2019re going to face thousands of decisions about money. So from my perspective, this is a great opportunity to develop a shared vision, a shared system. And just note, about 45 minutes ago, Shalom couldn\u2019t even believe waiting a year to get a couch. Now she seems much more open to it.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Let\u2019s hear their follow-ups. Jonathan said, \u201cDuring the call, I was absolutely shocked that my wife said she would prefer to spend $15,000 on new wood floors than our wedding if she had to pick between the two. One of the biggest takeaways was the value in financial simplicity, which can take a lot of time and effort when there are two people involved with their own dreams and perspectives.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u201cSimplicity is not a starting point but something that has reached through a lot of communication and compromise. Reflecting after the call, what surprised me most was how much time we spend focusing and arguing about small financial decisions like whether to buy a couch or which restaurant to visit and how little time we spend on large, important, life-changing decisions like buying a house, where to live, travel, and our long-term savings goals.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u201cI\u2019m grateful we had the opportunity to talk with Ramit. It really helped to get another perspective on our relationship with money as well as each other.\u201d And Shalom\u2019s follow up, unfortunately, we never heard back from Shalom. And we tried even as recently as last week to reach her. I\u2019m wishing Jonathan and Shalom the very best going forward. I really enjoyed speaking with both of you.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">And for those of you who enjoy this podcast, I\u2019d like to encourage you to go to iwt.com\/podcastnewsletter. Every single week, I share a new insight about money psychology right there in the newsletter. This is material you will never see publicly. It\u2019s iwt.com\/podcastnewsletter.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; Jonathan and Shalom are young, 31 and 27, married for 5 years and getting used to a big addition to their lives\u2014a rushed home purchase in the Pacific Northwest that tints their relationship with conflict. Jonathan buries himself in the numbers. Shalom buries her head in the sand.\u00a0 This episode is brought to you [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","om_disable_all_campaigns":false,"_lmt_disableupdate":"no","_lmt_disable":"","_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[290],"class_list":["post-119021","post","type-post","status-publish","format-standard","hentry","category-podcast-episodes"],"acf":[],"aioseo_notices":[],"modified_by":"Vika DD.NYC\u00ae","_links":{"self":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/119021","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/comments?post=119021"}],"version-history":[{"count":0,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/119021\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media?parent=119021"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/categories?post=119021"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}