{"id":119048,"date":"2023-04-04T14:38:12","date_gmt":"2023-04-04T18:38:12","guid":{"rendered":"https:\/\/www.iwillteachyoutoberich.com\/?p=119048"},"modified":"2025-04-07T10:33:45","modified_gmt":"2025-04-07T14:33:45","slug":"89-dj-adam","status":"publish","type":"post","link":"https:\/\/www.iwillteachyoutoberich.com\/89-dj-adam\/","title":{"rendered":"Episode 89. \u201cHe won\u2019t marry me until I pay off my $15,000 credit card debt\u201d"},"content":{"rendered":"<p><iframe title=\"\u201cHe won\u2019t marry me until I pay off my $15,000 credit card debt\u201d\" src=\"https:\/\/www.youtube.com\/embed\/QkAMDbP1sKU\" width=\"100%\" height=\"400\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p><iframe style=\"border-radius: 12px;\" src=\"https:\/\/open.spotify.com\/embed\/episode\/0N6IifGWuiNH6YzWkZ7ikD\" width=\"100%\" height=\"352\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<p aria-level=\"4\"><b><span data-contrast=\"none\">DJ and Adam, 37 and 33, have been dating for 3 years but DJ\u2019s debt stands in the way of their potential marriage, as dictated by Adam, who\u2019s been divorced in the past due to money issues. DJ recently doubled her income \u2013 and she has all the tools \u2013 but she\u2019s frozen, unaccountable, and losing time.<\/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;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;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\">Babbel | Right now, when you purchase a 3-month Babbel subscription, you\u2019ll get an additional 3 months for FREE. Just go to\u00a0<\/span><a href=\"https:\/\/babbel.com\/\"><span data-contrast=\"none\">Babbel.com<\/span><\/a><span data-contrast=\"none\">\u00a0and use promo code RAMIT.<\/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;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\">Sakara | Right now, Sakara is offering our listeners 20% off their first order. Use code RAMIT during checkout at\u00a0<\/span><a href=\"https:\/\/sakara.com\/ramit\"><span data-contrast=\"none\">Sakara.com\/ramit<\/span><\/a><span data-contrast=\"none\">\u00a0for 20% off all nutrition programs and wellness essentials.<\/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;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\">LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at\u00a0<\/span><a href=\"https:\/\/drinklmnt.com\/RAMIT\"><span data-contrast=\"none\">DrinkLMNT.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;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;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:\/\/buy.iwillteachyoutoberich.com\/dream-job\/?_pt=Social&amp;ud=47&amp;sales_channel=podcast\"><span data-contrast=\"none\">Dream Job career research guide<\/span><\/a><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/amzn.to\/3HGwbkK\"><span data-contrast=\"none\">Get my New York Times best-selling book<\/span><\/a><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/iwt.com\/csp\"><span data-contrast=\"none\">Download the Conscious Spending Plan<\/span><\/a><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&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;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\/1lPe2z0K_6qG3SSu-KoNCO88p18bjCKVH\/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;335559685&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\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Big news. I have a Netflix show coming out. I would love for you to watch it. It\u2019s called How To Get Rich, and you can go onto your Netflix account right now, search for my name and then click add to list. That way you\u2019ll get notified the minute it goes live in April.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:00:18]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Why don\u2019t you guys get married tomorrow?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t think that would be wise for my finances. And I\u2019m sorry that that\u2019s, I guess not a great sentence to say. That feels like a dirty sentence.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:00:29]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I just don\u2019t really quite understand how you get from being like putting things on credit and living paycheck to paycheck. Do you have to shut down your life for a year?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:00:41]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What if you did?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:00:43]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0There are things I would have to say no to for years, maybe two or three years of saying no to things.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:00:50]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And do you want to do that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:00:52]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0If it\u2019s the only way Adam\u2019s going to marry me, then yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0It\u2019s like you have a bucket that has a hole in it and it keeps going down. You keep refilling it, but it keeps going down. And you start feeling hopeless. But you try and you keep going like this for a year, two years, five years. Paint the picture for me.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:01:13]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0And then you never have anything to show for it.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:01:15]\u00a0<\/span><b><span data-contrast=\"none\">Interview:<\/span><\/b><span data-contrast=\"none\">\u00a0[Interview]\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:01:15]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I have a scarcity complex. I always think what if I put too much on a credit card and then I don\u2019t have enough for something else?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:01:22]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Like what?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:01:25]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0What if something happens?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:01:26]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You\u2019re paying thousands in interest and your boyfriend won\u2019t marry you. It\u2019s happening right now.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:01:35]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Meet Adam and DJ. Adam has told DJ that if you want to get married, you need to pay off your credit card debt.\u00a0 Now, it\u2019s possible for her to pay this off even quickly, especially since her income just doubled. But she struggles in paying it off. By the way, she\u2019s 33. He\u2019s 37.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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 live together in rural New York. I want you to pay attention in today\u2019s episode to DJ\u2019s explanations as I probe into why she hasn\u2019t paid down her debt yet. At times she\u2019s going to act oblivious as if she doesn\u2019t know how to manage money. But at other times, she knows the exact tactics to use directly from my book.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">So what\u2019s really going on here? Why hasn\u2019t she paid off her debt? Let\u2019s find out. I also want to invite you to check out the video version of this episode on YouTube. I\u2019ve been hearing that a lot of you love seeing the numbers breakdown of the conscious spending plan, which we put on screen for all of our YouTube episodes.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">So go over to YouTube, subscribe, search for my name, and you\u2019ll be able to watch this full episode there. All right, let\u2019s get into it. I\u2019m Ramit Sethi, and this is, I Will Teach You to Be Rich.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:46]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0There\u2019s not really big disagreements anymore. It\u2019s more, I know what you\u2019re going to do, so I just let you do it. And I don\u2019t want to fight over it because generally speaking, it\u2019s your money, so you can spend it however you want to.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:03:00]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0You spend a lot for Christmas. We wildly overspent for our New Year\u2019s party, by the thousands. We shouldn\u2019t have done that, but it\u2019s okay. But when you overspend, I just shut up because you\u2019re choosing how to spend your disposable income.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:03:17]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. I don\u2019t know that we necessarily fight or have disagreements about money. It is just that I do what I do and he does what he does.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:03:27]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What is your relationship? Are you married?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u00a0Adam has told me that we can\u2019t get married unless we have the money to do it, and part of that has to do with my credit card debt.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u00a0How long have you had the debt?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:03:40]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Probably my whole life.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:03:43]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I would want a new outfit every weekend to go out. So I would go to the mall and buy a new outfit.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Whose credit card was this by the way? Was it yours? You got one when you went to college?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:03:53]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:03:54]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Where\u2019d you go to college? What area?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:03:57]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0New York.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:03:58]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, so what\u2019d you get? A Chase card?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:01]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0No, I had cards at stores.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:05]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, fuck.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:05]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Express.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:06]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Express. Um, hold on.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:08]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I had Express.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:08]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I already know BB, um, old Navy.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:11]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0No, I didn\u2019t have one of those. I had Express and Macy\u2019s. And Express got really bad, crazy bad. I paid it off eventually. I think it was at probably four grand at the time.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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 graduated college and I became a elementary school teacher in a really high cost of living area.\u00a0 And I lived off credit cards. I decided to get a new job, a better paying job, and I\u2019ve had a better paying job for about two years now. Hmm. And as I work to pay it off, it just seemed like it comes back.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">\u00a0It seemed like or it seems like?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:50]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0It\u2019s seems like every time I get ahead, something happens and I just get behind again. It\u2019s been going up and down since I got a new job that pays me more money. I thought I\u2019d be able to pay it off by now, and I just continue to tread water. It goes down a little, it goes back up. It goes down a little, it goes back up.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:05:14]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. What do you think the problem is?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:05:17]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0It\u2019s a choice whether I pay it off or not.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:05:19]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Why do you think you haven\u2019t done it already? It\u2019s been a long time.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:05:21]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I think part of it was that I couldn\u2019t before. I was making a lot less money and I couldn\u2019t. I wasn\u2019t making enough for rent and groceries. So it was hard, but I still, again, made the choice to live beyond my means, and that\u2019s something I\u2019ve just always done. So now that I have a better job and I live in a more low cost of living area, there\u2019s no excuse for me not to be doing it. But I just can\u2019t seem to find a reason why.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">If I keep accruing debt, whether it\u2019s taking vacations and putting this on a credit card or giving gifts and putting something else on a credit card, or just putting things on credit cards in general, no matter how much money I make, I don\u2019t know that I\u2019ll ever be able to get myself out of the hole.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:06:20]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Hmm. Okay. What do you know? You\u2019ve told me a lot about what you don\u2019t know. Tell me what you do know.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:06:26]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I do know that I make more money than I used to.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:06:29]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Tell me the difference. What\u2019s the numbers?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:06:32]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I made $45,000 as a teacher and now I make $90,000 as an accountant executive. So I was able to double my salary by taking a calculated risk, spending a year working two jobs to get my foot in the door, and then getting a promotion to get a new job.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:06:49]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Wow. Congrats. That\u2019s amazing. That\u2019s really cool. All right.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:06:54]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Thank you.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:06:54]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Well done. 90k is a great salary.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:06:55]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0 I used your graph that said you can go down and as long as it\u2019s a risk, you end up on the other side. So I did that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:07:03]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, hold on. For everyone listening, that\u2019s not exactly what the graph said. Don\u2019t think that if you just go down you come back up. Sometimes you go down and stay there. Everyone who\u2019s in crypto knows exactly what I\u2019m talking about. Anyway, we\u2019ll get to that.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Sometimes I worry about people taking away the wrong things from some of these episodes. You know how we all have a friend who goes through something bad and they take away completely the wrong lesson? They spend $5,000 on a vacation, they spend months getting friends together, planning out a trip, booking hotels, but when they get to the airport, they realize they don\u2019t have a visa to go to the other country.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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 lose all their vacation money. Their friends are stranded. And then you ask them, \u201cHey, what happened?\u201d And they tell you this very long story and at the very end they go, so the lesson is never fly United. You\u2019re just like, what the hell?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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 think DJ used my dream job program, or at least the chart from it, where I show you the curve of doing more before doing less. Meaning sometimes you have to work hard and put systems into place before you see the results. In her case, she doubled her salary, which is an outstanding result. And doubling that salary gives her a lot of power to be able to make financial changes.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:08:12]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You doubled your salary. That\u2019s transformative. How did it feel when you discovered that you had doubled it?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:08:20]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I didn\u2019t even realize it until I was filling out the conscious spending plan that I doubled my salary. It feels amazing, but it\u2019s also really scary because, okay, I\u2019ve doubled my salary. Is that even enough to support the lifestyle that I want?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What kind of lifestyle do you want?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:08:38]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I want to be able to travel. I want to have a home, something that belongs to me, and I want to be able to buy clothes, get my hair done whenever I want.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">\u00a0Do you think that somebody on your income should be able to afford that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:08:53]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I think it depends on your values. Right now, I value going to get my hair done.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:08:58]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So you don\u2019t value saving right now. Am I hearing that right?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:09:02]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I value saving if I have a goal in mind.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:09:05]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And do you value paying off your credit card debt every single month?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:09:09]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0If it\u2019s important to Adam, then I care.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:09:12]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, why don\u2019t you ask him?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:09:14]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Adam, is it important to you that I\u2019m debt free?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0You don\u2019t have to be debt free. I\u2019m not debt free. I have a lot of debts. But it\u2019s important that you can manage your debts in a way that won\u2019t drag us both down one day.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:09:29]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What did you just take away from that answer?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:09:31]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0That he sees me being in debt as a risk?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:09:34]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm. Okay. So what was the question you asked him?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:09:37]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0If me being debt free is important to him.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:09:40]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh-huh. And what do you think that he said just now?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:09:43]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0He said he doesn\u2019t care if I\u2019m debt free, as long as it doesn\u2019t both drag us both down eventually.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Adam, it\u2019s interesting she asked a pretty direct question, and your answer was quite indirect. Did you notice that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:09:55]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, a little bit. She knows my answers because I\u2019ve been through this before. I am divorced and finances is one of the major roles that screwed it up the first time.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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 were both working jobs that we didn\u2019t like, so spending was our way to just feel better. And I don\u2019t know if that what DJ goes through day in, day out. But for me, I was working a job many people would\u2019ve dreamed about, and I was just so miserable. Spending was what got me by.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:10:26]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:10:28]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0And then a wall hit where the credit cards were so high. It led to disdain for each other and fighting and eventually splitting up.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:10:37]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0think that was directly responsible because of money?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:10:40]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0Money was absolutely one of the top reasons.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:10:43]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. So if that\u2019s the case and you went through that, why would you not answer her question of, is it important for you that I\u2019m debt free? Why would you not say yes? Unequivocally yes?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:10:58]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, because I don\u2019t think all debt is bad. I just think debt management is what\u2019s important.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:11:04]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You got divorced because of debt and you don\u2019t think debt\u2019s bad?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:11:08]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0 Insurmountable debt that you can\u2019t control is bad. Yes. If If debt is small and you pay off your cards monthly and\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:11:16]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Is that happening right now with DJ?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:11:20]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0I think there\u2019s some months you throw a lot of money onto credit cards and there\u2019s some months that you would crack if you didn\u2019t go on vacation. So generally yes and no. But I guess that means no.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:11:32]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes. It means no. What the hell is going on right now? How are my standards for your life higher than your own standards? Adam, I don\u2019t understand. You got divorced primarily because of money and here she\u2019s asking a simple question, is it important that I\u2019d be debt free? I would be like, yes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:11:51]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m not in the largest of rushes to get married again, but I know how much she wants to get married again, and I would absolutely do it. But since it\u2019s not my thriving goal, I have a lot of caveats to get there.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:12:06]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Let\u2019s hear them.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:12:07]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0Money management and very low debt is absolutely one of them.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:12:12]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, Adam, when you say money management, what does that mean exactly?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:12:17]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, we know exactly how much money she has every month after bills. And then to me, money management is what do you do with the extra?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Some months it goes entirely on the credit card. And then some months, if she didn\u2019t take a trip, she would have a breakdown. But then there\u2019s months she\u2019d have a breakdown anyways because of the debt. So it\u2019s lose-lose.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:12:39]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Wow, you guys really painted yourself in a nice little, uh\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Isn\u2019t it a beautiful place?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:12:44]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, you both just are like, I don\u2019t know. You do it. And then the other person goes, I don\u2019t know, you tell me what you want. And you both just circle each other like you\u2019re magnets just circling. But you never actually touch.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:12:58]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0This reminds me of me and my middle school dance just standing to the side. Skinny little Ramit circling, thinking of asking this girl to dance. My crush over there doing the same thing. Circling, thinking about if I was going to ask her to dance, and this just goes on forever. Okay. That\u2019s what I tell myself, but in reality, I don\u2019t actually think anyone was circling me. So that is exactly what\u2019s happening for Adam and DJ, though.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">She asks a question, making a bid for attention and affection, and he brushes it off, which confuses her, and they stay stuck circling each. Lots of possibilities here. Maybe he doesn\u2019t actually want to get married. Maybe he feels uncomfortable telling her what to do. Maybe he\u2019s seen how she reacts to certain feedback, so he\u2019s decided to hold back.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Who knows? All I know is that this isn\u2019t working. One thing I\u2019ve picked up, one clue is that DJ talks about herself almost as a person she cannot understand. She essentially says, I chose to overspend when I was making less, but I figured when I made more, I would change. But now that I\u2019m making 90k, I can\u2019t find a reason to change.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Did you catch that? This is the classic idea that many of us have that we are rational robots. That if we somehow find ourselves in a new situation or we find a magical reason, we will suddenly change. In my experience, I\u2019ve found that to be the wrong way to look at the world and ourselves. In reality, change comes from a series of behaviors and attitudes. Listen to what I mean.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:35]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Can I say something, DJ?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:37]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Sure.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:37]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You said that you want there to be less emotions, but your entire view on money is emotional.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:47]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Is everybody\u2019s or is that just me?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:51]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Everybody feels emotional towards money. Most of us were raised to think that emotions are weakness, especially men, and that they\u2019re often thought of to be frivolous. We all, even the people who deny they feel emotions towards money, we all feel it in one way or another. It might be the ability to go and get the nice sourdough bread from the grocery store, or to be able to leave a little gift for your niece, or to be able to get your hair done.You might feel true joy getting your hair done.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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 all feel emotions about money. I do. You do. We all do. It is so fascinating to me that although almost everything you\u2019ve talked about today is emotional, you believe that you need to become less emotional about money and create an Excel sheet instead. Do you find that interesting?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:47]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0So you think a non-emotional solution to an emotional problem is not going to work. We need an emotional solution to an emotional problem.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:59]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Correct. And I don\u2019t even think you have even knocked on the door of what the real problem is. I think it\u2019s comfortable to say, I need an Excel sheet. Watch this. How many Excel sheets do you have?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:16:13]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Lots.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:16:13]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What a surprise. And has that worked?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:16:16]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0No.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Wow. I\u2019m shocked. Maybe if we get one more Excel sheet that\u2019ll solve it. What do you say?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:16:24]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Maybe if it has different functions in it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:16:27]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, maybe. Listen, I don\u2019t know any of those functions. All right. I use the most basic shit on Earth. My wife looks at my Excel sheet, goes, what the fuck did you do? I go, I don\u2019t know how to make this look good. Can you help me? Let me tell you. It\u2019s like when couples are fighting, you go out to dinner with them, they\u2019re like sniping at each other, and then a week later they go, we\u2019ve been fighting a lot.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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 really want to apologize for dinner. We\u2019ve decided to buy a puppy. That\u2019s going to solve our problems. And you\u2019re just like, what is wrong with you delusional weirdos? Do you see that they are trying to solve one type of problem with a totally different solution?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Right.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s what\u2019s going on here.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:11]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:12]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right. So stick with me on the emotions<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Tell me how you were raised when it came to money. Were you the only daughter?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:22]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0No. I have an older sister and she\u2019s really good with money.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:25]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. How many other kids?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:27]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:28]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Two of you. All right. Tell me how you were raised with money.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:31]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0My mom takes care of all the money. My dad would pay my mom every week and then my mom would take care of all the bills and everything.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:43]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Did your dad work? Did your mom work?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:46]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, they both worked. Middle class. My mom worked in a factory, so she worked shift work. She worked really hard. And then my dad just had a normal job where he was middle management for a while and now he makes pizzas. He was a pizza guy.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:18:05]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. How would you say their financial situation is now?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:18:10]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I would say that my mom is still pretty effective with money. My dad is very old school, still doesn\u2019t even have a credit card, debit card. Operates cash only.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:18:21]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And do they have enough?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:18:25]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, they do.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:18:28]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0How\u2019d they do that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:18:30]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0My mom did a lot of investing, and she has a really good pension. And she just worked and saved and I\u2019m not sure how she did it, honestly.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:18:44]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What do you remember them talking about when it came to money as a kid.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:18:48]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0My mom would just figure it out. If my dad didn\u2019t pay her on time or something, then there would be a hot topic of conversation. But eventually she got a calendar out because he would be like, I paid you, and she would have to look at the date on the calendar.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:19:06]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Why was he paying her? Can you explain that to me?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:19:09]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0She\u2019s just always managed all of the finances.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:19:13]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Why not have a joint account?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:19:15]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t know that she trusts him with money.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:19:18]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Tell me more.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:19:20]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0My dad, uh, enjoys gambling.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:19:26]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Are you hearing this? I\u2019m trying to get to the root cause of DJ\u2019s, issues with money and she saves her dad\u2019s gambling problem until basically the end of her story.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:19:38]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Tell me more about your gambling dad.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0He just likes to gamble. So growing up my mom just made sure to do all of the money things in case my dad would gamble it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:19:52]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And did he ever gamble his money away?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:19:55]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Often.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:19:56]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. And what would happen then?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:19:58]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0 My mom would have to take care of it, pick up the slack in some way.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:20:03]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Did it affect you as a kid?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:20:05]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0 Not really. She was pretty good at shielding us from it. Sometimes my sister would have to hold the money or something.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:20:15]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0How old was your sister when she had to do that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:20:17]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh. Probably early teens. My sister still is very good at\u2013 we call her the bank. If we need to put money somewhere, she\u2019ll hold it and will keep it safe.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:20:31]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So at the age of 13 or 14 she was sometimes holding the family money so that your dad wouldn\u2019t take it to gamble it away.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:20:40]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. And I really hope he doesn\u2019t watch this, but yes, that\u2019s exactly what happened.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:20:46]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What would he say if he was watching this?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, I don\u2019t know. Probably make up an excuse. But yeah, he was pretty bad at gambling for a while. I think he\u2019s gotten better, but still probably frequently gambles, scratching tickets, scratch off tickets and stuff.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:01]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0How many tickets a month?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:03]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, I wouldn\u2019t want to know.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:06]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Like more than 10? More than 20?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:08]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, yeah. Probably a couple a day.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:11]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I often talk about money with my mom still.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">What does she say?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:15]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0She loves to talk about money. She just is very positive and tries to figure it out with me.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:28]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm. Does she help you in your financial situation?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:33]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0When I was a teacher she used to send me money if I needed it, gas money or something like that. She still pays my cell phone bill.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:41]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Today?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:43]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:43]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. And when she sent you that gas money, how would she send it? Would it be a check, online transfer, what would it be?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:49]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0She would put it on a credit card so that I could use the money.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:53]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You mean a debit card?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:55]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. No, a credit card. I would have a credit card. My credit card would be close to the limit. My mom would put money on it so that I could use some of that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:04]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0When you say she would put money on it, she would pay off part of your debt so that you could keep spending on it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:10]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:11]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I see.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Adam, you\u2019re listening a lot of this. Has anything surprised you so far?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:17]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0It clicked for me when we were talking about how she was raised with money. I never thought about how you view money as a child can affect you later on.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:27]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Hold on. You never thought of that. Have you listened to this podcast before?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:30]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0No.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:31]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, okay. All right. Go on.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:33]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0Sorry.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:33]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s okay.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:34]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0That resonated because I never tried to think of the origins of the problems. And if it\u2019s just that something like this would\u2019ve been instilled in her since the beginning, then I feel like I get upset about the stuff sometimes and it\u2019s not your fault if these are values instilled with you before you had a choice to make that choice about it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:57]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What was the value that you heard being instilled in her as a kid?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:23:00]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, just from her father\u2019s point of view, being so loose with money. I knew he was a gambler, but I didn\u2019t look at it from that perspective before that if you watch someone be bad with money you could pick up some of those habits.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:23:15]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm. Okay. Good. That\u2019s a good realization. DJ, do you remember any phrases that your family used with money when you were growing up? Often when people say, we can\u2019t afford that. That\u2019s a very common one. Or money doesn\u2019t grow on trees.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:23:33]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0No. So for example, if I was told that I couldn\u2019t get something, I would go on a mission and find a way to do it. So I really liked this dollhouse I had when I was a little kid, and I would always want refills for the dollhouse. So it was like, you could get a little car or a little kitchen set, and I think there were maybe five or $6 Fisher Price.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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 mom would say like, no, we don\u2019t have any money for a refill. And I would go around the house and I would dig up change under couch cushions, in drawers. And I would collect the money and I\u2019d be like, here\u2019s my little ziploc bag of coins. Let\u2019s go to the store. And she would take me.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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 that\u2019s just how it\u2019s always been. So if I was told I couldn\u2019t afford something, I was just really bad at taking no for an answer and I would find a way, whether it was doing chores. But I really feel like a lot of it was just finding it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:24:36]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I would just go find it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">When was the last time you did that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:24:41]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0To go to find money?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0No. It doesn\u2019t have to be under the couch cushions. When was the last time you were told you can\u2019t afford that and you still did it anyway?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:24:52]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh. I feel like that happens pretty often. I don\u2019t know that necessarily it\u2019s anybody telling me I can\u2019t afford it, but I know in my head I can\u2019t afford it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:04]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0When was the last time?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:07]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Probably Christmas.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:10]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And, uh, in January, where\u2019d you go?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:13]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0January, I went on vacation with my mom to Hawaii.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:17]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Who paid?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0My mom did.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:19]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Did you pay for anything out there?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:20]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I paid for some Ubers.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:23]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So December, Christmas, you spent some money on Christmas gifts, holiday, et cetera.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:30]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:31]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Even though you \u201ccouldn\u2019t afford it\u201d. What does, couldn\u2019t afford it mean to you?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0It means you don\u2019t have the cash.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:38]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Where?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:40]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0You don\u2019t have the cash, you have to put it on credit. You can\u2019t afford it. You\u2019re putting it on credit.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:44]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Wow, that\u2019s pretty interesting. Do you know that your definition is totally and completely different than mine?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:50]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0What\u2019s your definition?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:52]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I have different definitions for a variety of affording it things. For example, I would never get into the position of not having the cash for something. So for me, it might be, I\u2019m not going to have, let\u2019s say, three months of an emergency fund. In my case, I prefer a year worth of emergency fund.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">If I\u2019m going to go below that, I go, I can\u2019t afford that. If I were going to buy something and it might rebalance my portfolio in a way that\u2019s not good, it\u2019s off balance, I might go, uh, I don\u2019t think that\u2019s good. But mostly it\u2019s that example where I wouldn\u2019t get down to talking about how much cash is left in my checking account. I don\u2019t want to get down in my car to the last ounce of gas. I\u2019m out of gas well before that. What do you think about that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:26:52]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0But how do you get to that point where you\u2019re thinking about having an emergency fund and having investments and having savings? How do you get from paycheck to paycheck to 12 months of an emergency fund?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:27:08]\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;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:27:08]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0What is that path?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:27:09]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. First off, you don\u2019t need 12 months. That\u2019s just me. That\u2019s my personal choice. Most people have, well, most people don\u2019t have much, but we\u2019re not comparing ourselves to most people. We listen this podcast, so we are more financially savvy than the average. So we\u2019re going to say we\u2019re going to have three to six months of an emergency fund. Okay. How you get there, you tell me. What\u2019s the path for you?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:27:33]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Like Right now I put 10% of my paycheck into savings every month, but that\u2019s not growing that fast.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:27:41]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m looking at it right now. That\u2019s several hundred dollars a month.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:27:43]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:27:44]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0How do you feel about that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:27:46]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0It could be better.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:27:48]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, I could be 6\u20194 and have an Australian accent, but I don\u2019t.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:27:53]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I just don\u2019t really quite understand how you get from being like putting things on credit and living paycheck to paycheck. Do you have to shut down your life for a year?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:07]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What if you did?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:10]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I feel like we just did that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:13]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You shut down your life?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:15]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh yeah. During the pandemic, absolutely.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:18]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So what happened to the debt during that time?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:20]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0It went really low.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:22]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And then?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:23]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0And then the world opened back up.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:26]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And then?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:26]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0And then it went high again.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">\u00a0Is that normal?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:31]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Is it normal for what? For there to be a global pandemic?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:35]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Is it normal for you to go higher on your debt?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:40]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0No, it\u2019s just been staying at the same number for what feels like forever.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:44]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:45]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I look at my spreadsheet and it\u2019s just like 14,000, 17,000, 14,000, 11,000, 19,000, 13,000.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:55]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm. And you know why is, right?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:58]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Because I keep putting money on it and don\u2019t pay more than I put on it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">\u00a0Yeah. And you have a 28% interest rate.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:29:06]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So it feels like it\u2019s staying at the same number because it is staying at the same number. It\u2019s like you have a bucket that has a hole in it and it keeps going down. You keep refilling it, but it keeps going down and you start feeling hopeless. Oh my God, I\u2019ve been doing this for years and years. And even when the bucket went\u2013 I filled it up with COVID, now it\u2019s going back down again.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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 actually what\u2019s happening because there\u2019s a hole in it. So your solution has been to just keep dumping, keep trying harder, but you could do that for the rest of your life. You doubled your income. Has it changed the way you feel about money?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:29:54]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0No. Makes me panic more.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:29:58]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Why is that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:01]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Because at least before you could be like, well, I don\u2019t make any money. No wonder I\u2019m in debt.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:05]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. And now?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:08]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Now it\u2019s like, holy moly, I\u2019m working my butt off, I\u2019m making money and I\u2019m still in debt. How embarrassing.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">\u00a0So what do you think is the real issue?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:21]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Do I consolidate them and then swear off credit cards forever and\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:28]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Hold on. I don\u2019t want to know\u2013 no, I don\u2019t want to talk about solutions. You don\u2019t even know what the problem is yet. Adam you\u2019re over there nodding a lot. What\u2019s going on through your head?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:38]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m just hearing a lot of conversations we have already. It\u2019s nice not to be the one having them to be on the outside and to see that sometimes DJ will have a different reaction to things if it\u2019s not coming from me. So that\u2019s nice.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">\u00a0What is the reaction normally when you are having a conversation with her?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:56]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0I guess reaction is the wrong word. I guess, ideas may resonate differently coming from someone else.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:31:01]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, that\u2019s the, uh, that\u2019s the greatest irony of relationships of all, isn\u2019t it? You\u2019ll be sitting there telling your partner something for 50 years and then you bring in some random guy, in this case, me, and he says one sentence, and they\u2019re like, that\u2019s really smart. I\u2019m like, I\u2019m going to kill you. That\u2019s a healthy relationship right there when you threaten homicide with each other once or twice a week. Good relationship. All right. Adam, what are you feeling?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:31:28]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0Ooh, that\u2019s hard. Um, I\u2019m feeling a little stress or anxious because I\u2019m not sure if DJ is going to find\u2013 she\u2019s prodding for, how do I set up an Excel sheet and you\u2019re prodding for what\u2019s the route?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:31:47]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:31:48]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0And we\u2019re still on that hitting the, we\u2019re not in the same page still.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:31:52]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I agree. Would you agree, DJ?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:31:55]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. I know we\u2019re expecting some big breakthrough, but really I just want to live a rich life. That\u2019s all.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:06]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0If want to rich life, then why are you narrowing down towards some Excel spreadsheet or some automation?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:15]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Because I think about it so much I just want to think about it less. I want it to happen automatically so that the emotions are taken out of it and I can finally reach my goals. If I see less of my paycheck hit my account and it goes straight to my credit cards, and then in a year I have less debt, that would be amazing.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">\u00a0Your mom, you mentioned that she told you have to get a job. Did your mom ever tell you should save some money?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:50]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Only if it was for something.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:53]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Hmm. Did she ever save money just to have a savings?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. She saves, my sister saves. I just don\u2019t save.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:59]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Why did your sister get the message and you did not?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:03]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I have no idea.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:05]\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;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:05]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I really don\u2019t know. She was just always good with money. So she got the label, good at saving, didn\u2019t spend.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:18]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s good?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:19]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s good.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:20]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Look at me. Am I good with money or bad with money?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:25]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0You are excellent with money<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:27]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. I am. I\u2019m fucking good. Do I spend?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:31]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, but only because you know you have your savings here and your investments here and everything here, so then you spend you spend on the things that you value too. You don\u2019t spend on stupid stuff.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:45]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I agree. Everything about that is correct. Do I spend a lot on the things I love?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:50]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:51]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, I do.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">How can I be good with money, but also spend a lot?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:59]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, you\u2019ve made your money work for you in ways that you can have enough to do both.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:04]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I agree. And do I worry about money a lot?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:07]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0No.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">\u00a0No.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Because it\u2019s automated, but it\u2019s not an Excel sheet. Oh.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:12]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0It doesn\u2019t matter if it\u2019s an Excel sheet or not. It doesn\u2019t matter. I do have an Excel sheet. I have a couple of different documents, but I like to keep it as simple as possible. Sometimes I have a plain text document just to write down a few things. That\u2019s it. It\u2019s very simple. So I think that\u2019s interesting. It\u2019s a bit of a redefinition. You said that your sister is good with money because she doesn\u2019t spend a lot.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:39]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, she does spend a lot though on things that she cares about. She\u2019ll go to K-pop concerts and spend thousands of dollars on tickets to go see BTS.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">\u00a0Okay.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:52]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0But it\u2019s because she has it accounted for. I\u2019m sure. I\u2019m sure she\u2019s not going into debt buying K-pop concert tickets, but I would.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:02]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Are you good with money?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:04]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0No.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:05]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Why?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:07]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Because I don\u2019t take into account the things I need to save for before I spent.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:13]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Why?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:14]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Because I live in the right now. And also because I didn\u2019t make very much money for a long time, so it was impossible to even do anything.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:31]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s not true.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:32]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0So I just threw it all out the window.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:35]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t think that\u2019s true, and I think that\u2019s a story you tell yourself.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:39]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:41]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I think it\u2019s really important to really dig into that. Were there other teachers around you making similar incomes?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:49]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. And one just paid off all her debt.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:52]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Wow, that\u2019s shocking.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:53]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0By getting a new job.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:55]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm. Like you.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:57]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Like me. Yeah. And she just paid off all her debt. I don\u2019t know what she did after she finished teaching to get her to that point, but I\u2019m really proud of her.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:08]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, how she got there is not the important part. She changed jobs, presumably made a little bit more money, and paid off all her debt. You make a lot more money than you used to. You haven\u2019t paid your debt off. In fact, it feels stuck. What\u2019s the difference?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:26]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, I feel like last year was a learning curve. How do I operate while making more money, and how I operated was poorly. I didn\u2019t do the right things with my money. I took a lot of vacations. We went a lot of places last year.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:42]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0When was the last time you said no to something because of money?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:46]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I say no to people often because of money. I get invited to go places a lot and I say no.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:54]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What do you say?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:56]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Work is really busy this month. I have to stay home. I have to work. Or I have too many things coming up next month. That this month I can\u2019t go anywhere.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:07]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You face a hundred plus decisions every week when it comes to your money. Should I order this type of food? Should I get my hair done? Should we go on this trip? Should we go see this movie? Whatever There\u2019s a lot.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:19]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:19]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m trying to understand your philosophy for how you decide if you\u2019re going to say yes or no to something.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:25]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Does it sound easy and does it make sense, and does it make me and or the people I love happy?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:34]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Anything about the money in there?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. If it\u2019s an exorbitant amount of money, I will say no.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What\u2019s exorbitant?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:44]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I would say if the flights seem unaffordable. If the flights are more than $350 round trip, I think that\u2019s too much. And if the hotel is more than $300 a night, that\u2019s too much.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:58]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay.\u00a0 Interesting question. Were those numbers the same when you made 45,000 versus now?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:04]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:05]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, I thought so. What does that tell you?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:08]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0That I have rules about money that have nothing to do with how much money I\u2019m taking in or going out.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:16]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s correct. They\u2019re more like this. It\u2019s like you lick your finger and put it up in the air and say like, which way? What\u2019s the vibe today? And a lot of times those vibes are created when you\u2019re 21, 22, 23.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:31]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Right.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:32]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0The decisions you\u2019re making are highly uncorrelated to how much money you actually have. And the reason for that is that you don\u2019t actually think about this money as real. It actually does not affect you in any real way. If you have $14,000 in credit card debt or 6,000, did it actually change your lifestyle at all?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:53]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Right now, no, it doesn\u2019t. It\u2019s not like when I was in my 20s and I had to go pick up an extra shift or overcharge my credit card because I couldn\u2019t put gas in my car. I will be able to afford\u2013 if there was a disaster tomorrow, I have availability to buy myself groceries and I will be okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:39:13]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay, let me ask that question again because I\u2019m glad you\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:39:15]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0No, it does not affect my life in any real way, whether I have this debt or not.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:39:19]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So that\u2019s why. That\u2019s why you behave the way you do with money because you\u2019ve had no consequences, there\u2019s no action. You\u2019re basically subsidized against having any real consequences. To put it another way, what do you care if you have 5,000, 15,000 or $25,000 of credit card debt? You don\u2019t feel it whatsoever.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:39:41]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0But it\u2019s not right. It\u2019s not the right thing. It\u2019s not something to be proud of though.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:39:50]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0There it is. DJ is a believer. She believes that everything will eventually be fine. She lives for today and she faces no real consequences. She\u2019s developed these very simple views of money. She says, spending money is bad, but when I dig in, it becomes clear there\u2019s a lot more nuance. And when I point out to her that she\u2019s faced no real consequences, her responses, \u201cBut it\u2019s not right.\u201d<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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 sounds true. It may be true, but it\u2019s not a powerful enough reason to actually change your day-to-day behavior. Keep in mind that DJ read my book 10 years ago. She\u2019s familiar with my material, but when certain questions come up specifically about her behavior, she dodges them, always going back to her Excel spreadsheets as a safety blanket.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Listen as she brings up the idea of an emergency. She\u2019s going to tell me, gosh, if I stop using my credit cards, what happens if I have an emergency? This is simply another logical dodge from what is really a psychological and emotional issue.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:58]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I have a scarcity complex. I always think, what if I put too much on a credit card and then I don\u2019t have enough for something else? What if there\u2019s an emergency though and I need cash for something.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:41:11]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What if you get paid the next month? You have money sitting in a savings account. You have lots of options.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:41:20]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0So automate, pay a certain amount per paycheck to my credit cards.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:41:26]\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;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:41:27]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Start there.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:41:28]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. But you knew that. You knew that 10 years ago from Chapter 5 of my book. It\u2019s not a solution problem.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:41:38]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:41:38]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You already knew that. And you have your Excel sheets and you\u2019ve run calculations, I\u2019m sure about, oh my God, if I pay this, then this happens.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:41:46]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0All right. And you can use a snowball effect or use the\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:41:49]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. You know all this stuff. I wrote it in Chapter 1, Chapter 5. I wrote them all, and it\u2019s there. And you\u2019ve probably read it from a lot of other people too. You obviously know this stuff.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:41:58]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Get the Roth IRA.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:42:00]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Why do yeah you keep going back to that? What\u2019s so scary in yourself that you run to an Excel sheet?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I thought that that\u2019s the way people who are good with money do it. It\u2019s like they know something I don\u2019t.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">\u00a0No, there\u2019s no secret knowledge out there. You told yourself, if I just make more money, then I\u2019ll feel different. You told yourself, if I learn how to automate it, then I\u2019ll have the secret knowledge. You did all those things. But just reading that stuff and even making more money does not change the way you feel about your money. It does not change the way you behave with your money.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:42:51]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0So how do you incentivize good money behavior within yourself?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:42:56]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:42:58]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0How do you create good money habits?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:43:00]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0How would you create it for your daughter?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:43:03]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0So I\u2019m going to make myself a sticker chart.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:43:07]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You came on this show for me to levy consequences on you, a guy who doesn\u2019t even know you, and you think it\u2019s crazy to put up a sticker chart for yourself? I don\u2019t care how ridiculous it is. Somebody wants to take a bite of a tomato every time they overspend on something because they want to feel bad, fine. As long as it does for you.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:43:26]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Has somebody done that?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:43:28]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0No. Well, they\u2019ve done some weird ass stuff. They\u2019ve put their credit card in a freezer and they\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:43:33]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, I\u2019ve done that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:43:34]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. That\u2019s what people who are not good with money do. Look, if it works, sometimes we got to start by training ourselves with some technique. I used to do this thing where, I would put my gym clothes right by my bed because if I didn\u2019t, I wouldn\u2019t go to the gym. That was a very childlike thing, but it helped me. Now it\u2019s become much more of a habit, so I don\u2019t need to do that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u00a0Fine. It works, but we got to go deeper than that. We can\u2019t live a rich life based on gimmicks.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:04]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Who needs to create consequences for you.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Myself.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">\u00a0Yeah. Adam, is it your place to create consequences?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:18]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t think so.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:19]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. What do you think, DJ?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:23]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0No, that could lead to resentment. It has to be something I want to do for myself.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. So?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:29]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I mean, I am a people pleaser though, so maybe if he did, I would probably might have good results. I\u2019m not sure.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s interesting. I was going to go down the route of asking if you\u2019re a people pleaser, but then you told me that you routinely say no to people when it comes to money.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:45]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, I\u2019m definitely a people pleaser.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:49]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0How does that affect your money?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m sure it affects my money in a myriad of ways, but it\u2019s more that I would be willing to help someone else.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:45:03]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0But not for yourself.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:45:04]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0But not for myself.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:45:06]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Why?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:45:07]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t know.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:45:08]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Is it emotional when you deal with your own money issues?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:45:12]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Incredibly.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:45:14]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So you just avoid it and you go to the Excel sheet.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:45:16]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Even though deep down you admit that will never change anything. You\u2019ve already got a ton of Excel sheets, does nothing for you. You try to steer the conversation there. What do you think hearing all of this?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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 never going to change unless I do something about it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:45:32]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I agree.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:45:34]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0So I\u2019ll just keep treading water and spinning in the same circles unless I do something about it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:45:40]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I agree.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:45:42]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0And that\u2019s sad.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:45:43]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Is it?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:45:45]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Kind of.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:45:47]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You never expressed being sad about being stuck in this position? Not once on this call.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:45:54]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So far, the only reason DJ has given herself to change a lifetime of money habits is that \u201cnot having enough money would be sad\u201d. That\u2019s not really a vivid reason to change. It\u2019s not really specific. And this is why I spend so much time talking about your rich life down to the restaurant that you want to eat at. Because you need to have a vivid specific reason to change. Otherwise you can go on the way you\u2019ve been going for the next 25 years. I also want to talk about the specific consequences.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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 example, what will your son or daughter say when they hear their parents fighting about money? What will it feel like to have to go to the same places 20 years from now and to have never been able to try something new?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">DJ has never gotten that specific with herself. She\u2019s instead tried to delegate this uncomfortable work to Adam, who, by the way, rejects the responsibility. Or she\u2019s tried to delegate it to her Excel spreadsheets. And as I say, in situations like this, the problem and the solution is you.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:47:04]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So really what do you want to change in the next five, 10 years? Doesn\u2019t sound like much. You wish hypothetically you were not in debt. Okay. You don\u2019t really understand how you can control that because you try, sometimes you put some money, but then it seems to come back up. Okay. There\u2019s no real why. And what was that thing Adam said? Adam, you came on here. What was your, uh, message to DJ about money?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:47:37]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh gosh. I don\u2019t remember what I said.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:47:39]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0The thing about marriage?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:47:42]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, sure.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:47:42]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Why don\u2019t you guys get married tomorrow?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:47:45]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t think that would be wise for my finances. And I\u2019m sorry that that\u2019s I guess not a great sentence to say. That feels like a dirty sentence.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:47:56]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Why?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:47:58]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0 Because we\u2019ve been together almost three years now. I was 31 and had to move back in with my parents, but it helped me in a very short window, three and a half to four years pay off the debt, build up a down payment, buy this house, and live a life that I\u2019m really comfortable with while making not that much money. It\u2019s right there on your sheets. I think my take home in\u2013 I had my W-2 next to me for fun. My take home last year was 50,000.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:48:31]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Hmm.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:48:32]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0And I feel good.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:48:34]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0In other words, she makes almost double what you make now.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:48:39]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:48:39]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0She\u2019s in credit card debt.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:48:42]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:48:44]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. DJ, what do you feel hearing that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:48:48]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, I know.\u00a0 I know I make more money than him. It is a recent development. I haven\u2019t always made more money than him. And when we met, I didn\u2019t have a job at all. It\u2019s embarrassing that I still have credit card debt when I make the money that I do.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:49:07]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:49:09]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0And I know it\u2019s something that\u2019s important to him that I get a handle on. And he\u2019s given me the space and the opportunity to pay it off and I haven\u2019t.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:49:19]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0It\u2019s not important to you, is it?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:49:21]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0No, because like you said, there\u2019s no consequences.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:49:25]\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;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:49:28]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0The consequence is that I just stay stuck in where I\u2019m at.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:49:33]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0But you don\u2019t care about that because you\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:49:34]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s the only consequence.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:49:35]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Like where you\u2019re at.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:49:36]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:49:39]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0If I had to stay stuck where I am, let me put it this way. I\u2019m happy, but I\u2019m not satisfied. I love where I live. I love the car I drive. I love the trips we take. I love them. But I also dream bigger. I dream of a bigger trip. I dream of taking more friends. I took a bunch of friends on my 40th birthday. I want to do it for my 45th.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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 dream of being more generous. I dream of all these things, but it\u2019s not going to be a dream. I\u2019m going to make it happen. That\u2019s how I feel about money. And I am utterly puzzled that you don\u2019t seem to have any agency around your money.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:50:25]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I guess I feel the same. I do dream of more things, of bigger things. I just thought that when I got a new job and when I doubled my salary, that it would feel like I arrived somewhere and it just all feels the same.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:50:40]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Because your behavior is exactly the same. You\u2019re paying thousands in interest and your boyfriend won\u2019t marry you.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:50:48]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So now finally, we can dive into their CSP and start planning for the future. Here\u2019s a quick summary. They have $6,000 in assets in their vehicles, a $100,000 in investments, including their 401Ks, $6,000 in savings, and the full debt once we include their mortgage and student loans is 185,000.\u00a0 In terms of income, she nets 5,000 a month. That\u2019s after tax. And he nets 3,000 a month.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:51:14]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So what do you want to do?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:51:16]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Pay off my credit card debt.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:51:19]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0How much do you owe?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:51:22]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0It\u2019s 15,000.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:51:23]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm. How long would it take you to pay it off?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:51:27]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t know.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:51:30]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0How do you not know? You know what a snowball is. You\u2019ve calculated all these other things, but you don\u2019t know how long it would take you to pay off your debt?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:51:39]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, I guess I\u2019ve never actually done that math of how quick I could pay it off.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:51:44]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And why is that? You\u2019ve done all this other math. Why is that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:51:49]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t know. I don\u2019t know why I haven\u2019t acted on it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:51:52]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Get curious, please, for the love of God, about yourself.\u00a0 Christ.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:51:58]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Because I don\u2019t care. I haven\u2019t done the math because I don\u2019t care.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:52:03]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay, well, if you don\u2019t care, then that\u2019s pretty much\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:52:07]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, at least I care a little bit. I care enough to seek this out. I care enough to try. I\u2019m trying to find a way that it will convince myself to care.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:52:17]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I want to take you behind the scenes of what just happened there. Because I thought it was very interesting. I didn\u2019t just lose my temper. I intentionally raised my voice to shake DJ out of her automatic responses. She has a lot of automatic responses.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">She automatically tries to redirect our conversations to the spreadsheet. She automatically says, I don\u2019t know when I ask her about her own behavior. And my job isn\u2019t to simply sit here and accept these responses. I\u2019m not a transcriptionist. It\u2019s my job to push her, sometimes uncomfortably to realize what\u2019s really going on here.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">So that\u2019s what I did. And when I finally pushed her, she said, \u201cI don\u2019t care.\u201d So I saw it and I said, okay, fine, if you don\u2019t care. That\u2019s pretty much it. And she immediately recognized what she had said and she started backtracking.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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 find these conversational dynamics absolutely fascinating. They happen in the split second, and if you really watch, you can see the dynamics that are coming up often from these invisible scripts from childhood. So now that she\u2019s backtracking, this is where I soften up and give her a chance to connect the dots. Let\u2019s watch.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:23]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You came on this call, which takes a huge amount of courage. Huge. You\u2019re here talking about stuff that nobody would talk about. And I respect that. You filled out an application, you went through a lot of screening. I respect that. To show up here, show up on time, show up with all your numbers done, that says something.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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 couldn\u2019t have gone through that if you did not care. But every time I try to get you to look inside, you divert. You switch topics. What you just did was to rationalize it. Well, I showed up here, and you did show up here. It\u2019s very impressive. I\u2019m glad you did. But I want to know why have you never run a debt payoff calculation?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:54:11]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Because it changes every month. The debt changes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:54:16]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s a triviality<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:54:19]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, I\u2019ve never thought to do it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:54:23]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Never? Didn\u2019t you listen to this podcast? Haven\u2019t I told other people what\u2019s your debt payoff date? Do you think maybe there\u2019s an emotional reason you haven\u2019t done it?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:54:37]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Maybe. Probably.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:54:39]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What might it be?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:54:41]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Maybe I\u2019m afraid to fail.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:54:46]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Did you know before this call how much you owed?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:54:51]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:54:52]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. You\u2019re not afraid to open up those envelopes and those emails.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:54:56]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0No, I put them on my Excel sheet every month.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:55:01]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0This is getting frustrating for me. DJ is a believer, meaning she believes that things will magically turn out okay, but she\u2019s also an avoider and they usually avoid talking about money at all. In DJ\u2019s case, she avoids looking inside herself. I think I\u2019ve decided I\u2019m going to play ball and go down the tactical route and let\u2019s see where we end up.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:55:24]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right, let\u2019s look at the debt payoff. What\u2019s your interest rate?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:55:29]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Adam, did we write this down the other night?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:55:31]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0I didn\u2019t save it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:55:36]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0We\u2019ll just say 26%, because I bet it is. And how much currently pay every month?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:55:42]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0It varies. It really does vary. I pay\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:55:48]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Why?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:55:49]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I try to put as much as I can when I can.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:55:52]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. How much?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:55:54]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I usually put at least 2,000 a month towards it, but then I charge it back up. That\u2019s the problem. I will pay and then I\u2019ll use my credit card so that I get points.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:56:07]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What the fuck? Why? What the fuck? What are you talking about? Why are you using it for points?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:56:14]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t use\u2013 because I don\u2019t want to use my checking account. Because you don\u2019t get any rewards to use your checking account when you pay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:56:18]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Are you kidding me right now?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:56:20]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0What?\u00a0 You\u2019re supposed to do that, right?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:56:23]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Who told you that? Who told you? Who told you that you\u2019re supposed to go into more debt to earn one cent in rewards?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:56:34]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, you just don\u2019t get any rewards when you spend money out of your checking account.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:56:38]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Who cares? You are in debt. You know why you actually care? Do you know why I\u2019m getting so mad and you\u2019re not? Do you have any idea why this is happening right now?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:56:48]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Because the math doesn\u2019t equal out.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:56:51]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0No. I\u2019m getting mad because you don\u2019t even see the consequences of what you\u2019re doing. Because you have no consequences. You are staying in debt, not just because of the interest, which is already crazy high, but because you keep spending on it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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 when I ask you why, you go, so I can get points. It makes no sense. These points are worthless for somebody like you in credit card debt. The last thing you should be thinking about is points.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:57:27]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I needed to hear that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:57:31]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Has anyone ever told you that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:57:34]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0No. I thought that if you were good with money, that you used credit cards to your advantage to earn points so that your money was making you money.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:57:45]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0There it is again. This idea of the platonic person who is \u201cgood with money\u201d \u2014\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:57:51]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Your money is not making you money. All that money you\u2019re putting in your credit card on the backend is just costing you more than those points. You\u2019re basically spending a dollar to pay a 1.50 and then you get one cent back. It makes no sense.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:58:14]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. When you put it like that, it doesn\u2019t make sense at all.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:58:17]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay, so we got to stop that. This is why people who are in credit card debt, they use their debit card. It\u2019s a huge behavioral peculiarity. But it actually makes sense because those people go, shit, I do not want to put more on this credit. I\u2019m paying it off. I don\u2019t want to add more to it, so I\u2019m going to pay for my dinner with a debit card.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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 why everybody listening, if somebody pulls out a debit card, you go, what is this weirdo doing with the debit card? That\u2019s why. it\u2019s almost certainly because they\u2019re in credit card debt. Okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:58:48]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0So just be that person.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Yes, be that person and you earn the right to earn miles later. Okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:59:00]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right. So currently, if you\u2019re paying off $2,000 a month, that\u2019s why now the math actually adds up. If you\u2019re paying 2,000, I\u2019m like, this thing\u2019s going to be paid off right away. What\u2019s the problem? Then I find out you\u2019re spending all this money for miles. I go, oh my God. All right, so how much, by the way, were you spending on that credit card?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:59:23]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I just use it for everything.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:59:26]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Like?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:59:26]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0One with my lowest interest, I just use for everything. Gas, groceries, everything.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:59:31]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Don\u2019t do that anymore.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:59:33]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:59:34]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So you can only buy how much you have in your checking account.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:59:38]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:59:39]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right, so if you pay, can you continue paying $2,000 a month towards your credit card?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:59:46]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:59:47]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0How long will it take you to pay off?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:59:51]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0A year probably.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:59:54]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Let\u2019s get the exact number because I want you to see it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:59:58]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:59:58]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, you\u2019re not going to be able to do this on a calculator of your own.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:01]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Why not?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:03]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Unless you can do the calculations with the interest rate.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:07]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:08]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019ll just tell you. It\u2019s nine months.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:11]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s it?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:14]\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;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:15]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:17]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What do you think about that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:19]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s awesome.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:21]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0It\u2019s easy. Is that surprising to you?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:27]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, that\u2019s shocking.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:29]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What\u2019d you think it would be?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:31]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0At least two years.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:33]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Even two years is not that long to me. Shit. I tried to get my bench press over one plate for years.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:42]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I love it. I love it when my money takes time to compound. I love it when I\u2019m training and I go, oh my God, this is going to take me two years to get this lift at the number that I want it to be. Or, oh my gosh, I have this intention of going on this trip and I know I want it to be absolutely magical with these people and this hotel and this type of food and the chef, and it\u2019s going to take three years to engineer the whole thing. I love it. I think that you and Adam would get along great.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:01:16]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. You just described our New Year\u2019s party. We\u2019d spent nine months planning for one night and we spent almost two grand on because it was the thing we were doing that year. The biggest thing we could do for people we loved.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:01:29]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Wow. And did you like that, Adam?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:01:31]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0I loved it. It was so much fun.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:01:33]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And what about you DJ?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:01:35]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, I thought it was awesome. It was great.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:01:40]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What\u2019s different about that than paying off credit card debt?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:01:43]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0You get to feel it. You get to see people smiling. You get to plan it. You get to\u2013 there\u2019s a celebration.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:01:54]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Hmm.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u00a0Have you celebrated any progress with your credit card in the last five years? The fact that you\u2019ve paid off $2,000 at a time, have you celebrated that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:02:05]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0No.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:02:06]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Why?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:02:07]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Because I would think that a celebration wouldn\u2019t be till it was all gone.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:02:12]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh really? Why is that? Is that all or nothing?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:02:18]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:02:19]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Doesn\u2019t seem like a healthy way to live. I got to wait until I pay off X before I can start doing Y. I got to wait until I accomplish this big thing in my life until I can go on to the next thing. I mean, even Adam said you don\u2019t have to be debt free in order to get married.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:02:41]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t really think about the future that much, but Adam is really good about planning for the future and planning for retirement. And I just feel like it\u2019s something that society tells you should be a priority. You should think about what\u2019s going to happen to you when you can\u2019t work anymore.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:00]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What is something that society tells you that you should do that you just haven\u2019t gotten around to? Very common answer is flossing.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:08]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, society tells women to have kids. Society tells women to get married. Society tells women all types of things.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:15]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, you\u2019re here because\u2013\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:17]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Buy a house.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:18]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You want to get married and you told me you want to buy a house too, so you want to\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:22]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Those are two things that I haven\u2019t gotten around to doing yet.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:25]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. And you haven\u2019t yet really tapped into saving for retirement, will you one day?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:33]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Put money into my 401K, but I\u2019m sure there\u2019s better ways to do it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:36]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm. Do you get the point of what I\u2019m trying to say to you right now?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:42]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0No.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:44]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You haven\u2019t gotten around to some things and you feel fine about it? Uh, I haven\u2019t gotten married yet. I probably will one day. I haven\u2019t had kids yet. I may one day. I haven\u2019t really prioritized retirement. You think it\u2019s possible you\u2019ll do it someday?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:04:05]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Probably.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:04:06]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:04:06]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0As it gets closer. But it\u2019s better to start sooner rather than later.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:04:12]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Who says?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:04:14]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Math, compounding interest.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:04:16]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Fuck. That is a good answer. Now that is a good answer. Damn. I did not expect that. I have nothing to say to there. No notes. Okay. You got me on that one.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:04:26]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay, now this financial knowledge is really starting to come to the surface. DJ has said she doesn\u2019t know why this keeps happening. She can\u2019t keep track of her spending, but suddenly she drops a casual comment on compound interest.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">She\u2019s pulling material from my book, which is called I Will Teach You To Be Rich, and if you read that book on Amazon or any bookstore or from the library, you will have a better understanding of money than 98% of people in this country. I would highly encourage you to do it. But, of course, reading is not enough.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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\u2019ve got to apply it. So at this point, I opened up their conscious spending plan and I quickly noticed how little money they are putting towards their investments. And I also noticed that DJ continued to dodge my questions.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:05:11]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right. Investments are 5% of net. Why? Nobody knows.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:05:18]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. I don\u2019t know why is it so low.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:05:21]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Well, I think I know the answer for you. Why are you not investing anything even though you make basically $90,000 a year?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:05:30]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m not investing anything because I don\u2019t know where to begin, first of all.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:05:36]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What\u2019s in Chapter 3 and 7 of my book?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:05:39]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, yes. I should get a Roth IRA, and then I should be in index funds or something like that, something that\u2019s stable.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:05:46]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, yes, that\u2019s exactly correct. Wait, what is this thing where you play dumb? I don\u2019t get it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:05:52]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Because I\u2019m not positive about all of those facts, but I think they sound right.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:05:58]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Are you looking for me to come in here and berate you and tell you that you really need to take this seriously?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:06:04]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, if that\u2019s what you think will work.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:06:09]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0First off, I\u2019m not going to get you to change. Only you can get you to change. And I think you wanted to come talk to me today because you wanted me to do some magical psychological mumbo jumbo, or you wanted me to berate you, or you wanted me to do something to make you actually feel what you \u201cknow to be true.\u201d is that accurate?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:06:34]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:06:34]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Wouldn\u2019t this call have gone a lot easier for you if I just came in here and told you all the things you\u2019re doing wrong? And I was like, that\u2019s wrong. That\u2019s bad. I can\u2019t believe you did that. And this is what you need to do. Wouldn\u2019t that have gone a lot easier for you today?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:06:48]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I think that would\u2019ve reinforced things that I already think.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:06:53]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Which is what?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:06:57]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0That I\u2019m not doing the right things with my money.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:06:59]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:07:01]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m not going to play ball with that because what you\u2019re trying to do by doing that is trying to delegate responsibility to somebody else. And I\u2019m not going to take it on. I\u2019m not going to catch the ball that you\u2019re trying to throw to me.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:07:14]\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;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u00a0Are you good with money or bad with money?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:07:18]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m bad with money.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:07:20]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Are you smart with money or are you unintelligent with money?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:07:26]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m frivolous with money.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:07:27]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, frivolous. Wow. Okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:07:31]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I think.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:07:32]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Are you smart?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:07:36]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:07:37]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. I think you are too. So I\u2019m very puzzled with this innocent dough. I don\u2019t know what to do. I don\u2019t know where to invest. I go, you fucking know. And then you go, oh yeah, Roth IRA, index funds, fully diversified. Even [Inaudible] fund. I go, what the\u2013 so why? Why not come out and say that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:08:01]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Because I wasn\u2019t positive and I\u2019ve never done it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:08:05]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So? What do you get out of playing like you don\u2019t know the answer?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:08:12]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I wasn\u2019t actually sure.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:08:16]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0It\u2019s okay. You don\u2019t have to be sure. I\u2019m here. I can help. But what do you get out of that? Out of saying, I don\u2019t know.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:08:23]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Reassurance.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:08:24]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0From whom?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:08:28]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Somebody who might know more than me.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:08:30]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. What else?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:08:33]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Direction and guidance.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:08:35]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. How long have you been telling yourself I don\u2019t know where to invest?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:08:43]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Forever.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:08:45]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. And you only got reassurance 10 seconds ago from me. So what did you get out of that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:08:54]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I still don\u2019t know that I\u2019ll actually do it. I would like to. So maybe I just\u2013 reassurance.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:09:02]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Nope.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:09:03]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Confirmation.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:09:04]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Nope. Why\u2019d you do it? You\u2019ve been telling yourself, I don\u2019t know, for 10 years, even after reading it in a book. What did you get out of that?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:09:15]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Nothing.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:09:17]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You got something out of, otherwise you would\u2019ve done something else. Hey, I have this gaping problem in my life. The roof has\u2013 it\u2019s looks like it\u2019s going to cave in, there\u2019s some water marks on the roof. I don\u2019t know what to do. I don\u2019t know. How long has this been going on for? Oh, it\u2019s, uh, it\u2019s getting worse and worse. It\u2019s maybe eight years, forever. I don\u2019t know. What am I getting out of that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:09:42]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Sympathy.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:09:44]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s one. Let me keep going with this. I don\u2019t know. do you know what I should do? I mean, it looks pretty bad. No. What else? I\u2019m delegating the responsibility to somebody else. I\u2019m giving myself an excuse not to take action because I don\u2019t know. Is that for you and money?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:10:11]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m sure. Yes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:10:13]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I have multiple Excel sheets. I know what all these different techniques were paying off debt is, but I don\u2019t know. And therefore I cannot make a plan to pay off debt. I know what a Roth IRA is. I know what an index fund is. I read your book 10 years ago, but I don\u2019t know, and therefore I\u2019m investing zero, zero, $0 every single month, even though I make $90,000 a year. I don\u2019t know. What do you think?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:10:43]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0That makes a lot of sense because when you delegate responsibility, if someone else doesn\u2019t solve the problem for you, then it\u2019s no longer your fault and you absolve yourself of any guilt revolving around it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:11:00]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Bingo. Do that in any other parts of life?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:11:03]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh yeah. Probably all the time.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:11:05]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I also am like, I don\u2019t know how to clean my room. I don\u2019t know where to put my clothes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:11:10]\u00a0<\/span><b><span data-contrast=\"none\">Adam:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh yeah. There you go. That\u2019s a great one.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:11:12]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t know how to fix it. My room is just a disaster. I don\u2019t know.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:11:17]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0When did you start doing it? When\u2019s the first time you remember doing that?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:11:20]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Feeling like that mountain was so overwhelming that I just didn\u2019t solve it or saying I don\u2019t know?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:11:27]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Using \u201cI don\u2019t know\u201d as a strategy.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:11:32]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m sure I was young.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:11:35]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:11:36]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I can\u2019t think of the first time.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:11:37]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And as you kept doing that as you got a little older, what happened?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:11:44]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Typically then you don\u2019t have to solve your own problems.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:11:48]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Who did it for you?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:11:50]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Anyone.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:11:51]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Who?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:11:52]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0My mom.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:11:55]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0She solved it for you? She would what, clean your room? What would she do?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:11:59]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Maybe sit with me while I cleaned my room.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:02]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Really?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:03]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Yeah. Driving is a good example. Just like acting you\u2019re a bad driver so then you don\u2019t have to drive anywhere.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:14]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Wow. That\u2019s so interesting. Hmm. So you can get your way for a long time. Maybe forever.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:21]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:22]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What are the consequences of that strategy?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:25]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, if you actually do know when you say you don\u2019t know, then it could be seen as manipulative. Or if you actually don\u2019t know and you never take the time to learn, then you could end up in a really sticky situation and not be able to get yourself out of it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:49]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm. Has that happened with you and money?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:52]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0I would say so.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:54]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Like what?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:56]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Like the debt I have right now.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:58]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Good. That\u2019s honest. So by saying, \u201cI don\u2019t know\u201d to yourself, to Adam, to everybody around you, probably your sister, probably your mom, I don\u2019t know. But you actually do know. Sure. Maybe you don\u2019t know every last tiny detail of investing, but you don\u2019t actually need to know all that stuff to get started.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Chapter 1, introduction. Chapter 5. Chapter 7. You open up an account. You don\u2019t need to know everything, you just need to get started. Classic I Will Teach You to Be Rich cannon. So in the meantime, if you did nothing with your investments, I see zero right now, if you kept it basically the same for the next 30 years, you\u2019d be losing over half a million dollars. Just from saying, I don\u2019t know.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:13:52]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s a pretty significant amount of money to me now, especially. And like we talked about earlier, math, retirement, start early, more money.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:14:06]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0The irony is you actually do know. You know better than probably 80% of the people that I talk to. So what a shame that you\u2019re not actually investing. You took all that reading, all those skills, you read the book 10 years ago, and you actually didn\u2019t do the last step, which is the only step that matters, the behavior.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:14:31]\u00a0<\/span><b><span data-contrast=\"none\">DJ:<\/span><\/b><span data-contrast=\"none\">\u00a0Right.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:14:33]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I am proud of DJ and Adam for coming on the show, especially DJ, for really confronting some of the deeply held issues that she has with money. That took a lot of courage. I want to share some follow ups that they sent me a few weeks later.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">DJ said, \u201cI learned I cannot solve an emotional problem with a tactical solution. In my CSP, I\u2019ve set aside $2,000 per month towards my credit card debt, which I will stop using and will live on my debit card only until this is paid off. What surprised me is that if I had began this journey in February of 2022, I\u2019d likely be debt free right now. So I cannot wait another year. It\u2019s time to think big and continue living our rich lives on a grander scale.\u201d\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:15:18]\u00a0<\/span><b><span data-contrast=\"none\">NARRATION:<\/span><\/b><span data-contrast=\"none\">\u00a0Adam said, \u201cI was surprised how closely tied our money management habits are with our youth. I was annoyed to watch DJ know the answers to every question but not want to take responsibility. But I think things will get better. And I hope she will make the changes she wants to make for herself and not just to appease me. Her auto pays were already set up, so hopefully she does not get tempted with her $2,000 of fun money.\u201d<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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 want to thank you for listening, and I want to thank those of you who are watching on YouTube. Remember, my Netflix show is launching in April, so if you want to hear conversations like this with more couples like DJ and Adam, go to Netflix, search for Ramit Sethi, and add my show to your list. Thanks again, and I will see you next week.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; DJ and Adam, 37 and 33, have been dating for 3 years but DJ\u2019s debt stands in the way of their potential marriage, as dictated by Adam, who\u2019s been divorced in the past due to money issues. DJ recently doubled her income \u2013 and she has all the tools \u2013 but she\u2019s frozen, unaccountable, [&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-119048","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\/119048","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=119048"}],"version-history":[{"count":0,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/119048\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media?parent=119048"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/categories?post=119048"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}