{"id":119128,"date":"2023-05-09T13:57:29","date_gmt":"2023-05-09T17:57:29","guid":{"rendered":"https:\/\/www.iwillteachyoutoberich.com\/?p=119128"},"modified":"2025-04-07T10:29:50","modified_gmt":"2025-04-07T14:29:50","slug":"96-jennifer-andrew","status":"publish","type":"post","link":"https:\/\/www.iwillteachyoutoberich.com\/96-jennifer-andrew\/","title":{"rendered":"Episode 96. \u201cWe have $4,600 in credit card debt but we spend $600\/month on GrubHub\u201d"},"content":{"rendered":"<p><iframe title=\"\u201cWe have $4,600 in credit card debt but we spend $600\/month on GrubHub\u201d\" src=\"https:\/\/www.youtube.com\/embed\/L4uKmZ5sIWA\" width=\"100%\" height=\"400\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p><iframe style=\"border-radius: 12px;\" src=\"https:\/\/open.spotify.com\/embed\/episode\/641VsSQTnbuCNlZIPlZo3i\" width=\"100%\" height=\"352\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<p aria-level=\"4\"><span data-contrast=\"none\">Jennifer and Andrew are in their 30s with 2 kids. They have been married for 11 years, but they speak different languages when it comes to money, deeply stuck in scripts from contrasting family backgrounds. Can they learn to come together in joy for the sake of their family?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:375,&quot;335559739&quot;:375,&quot;335559740&quot;:533}\">\u00a0<\/span><\/p>\n<p aria-level=\"4\"><b><span data-contrast=\"none\">This episode is brought to you by:<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:375,&quot;335559739&quot;:375,&quot;335559740&quot;:533}\">\u00a0<\/span><\/p>\n<p aria-level=\"4\"><span data-contrast=\"none\">DeleteMe | If you want to get your personal information removed from the web, go to\u00a0<\/span><a href=\"https:\/\/joindeleteme.com\/ramit\"><span data-contrast=\"none\">joindeleteme.com\/ramit<\/span><\/a><span data-contrast=\"none\">\u00a0for 20% off.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:375,&quot;335559739&quot;:375,&quot;335559740&quot;:533}\">\u00a0<\/span><\/p>\n<p aria-level=\"4\"><span data-contrast=\"none\">Nomorobo | To protect yourself and your family from phone scams, go to\u00a0<\/span><a href=\"https:\/\/nomorobo.com\/ramit\"><span data-contrast=\"none\">nomorobo.com\/ramit<\/span><\/a><span data-contrast=\"none\">\u00a0for a 14-day free trial.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:375,&quot;335559739&quot;:375,&quot;335559740&quot;:533}\">\u00a0<\/span><\/p>\n<p aria-level=\"4\"><span data-contrast=\"none\">Long Angle | If you\u2019ve made a lot of money and you\u2019re looking for a community of peers to turn to for advice, go to\u00a0<\/span><a href=\"https:\/\/www.longangle.com\/\"><span data-contrast=\"none\">longangle.com<\/span><\/a><span data-contrast=\"none\">\u00a0to learn more.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:375,&quot;335559739&quot;:375,&quot;335559740&quot;:533}\">\u00a0<\/span><\/p>\n<p aria-level=\"4\"><span data-contrast=\"none\">For codes for all of our sponsors, check out\u00a0<\/span><a href=\"https:\/\/iwt.com\/sponsors\"><span data-contrast=\"none\">https:\/\/iwt.com\/sponsors<\/span><\/a><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:375,&quot;335559739&quot;:375,&quot;335559740&quot;:533}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><b><span data-contrast=\"none\">Tools mentioned in this episode<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335557856&quot;:15003381,&quot;335559685&quot;:0,&quot;335559737&quot;:450,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:768}\">\u00a0<\/span><\/h2>\n<p><a href=\"https:\/\/iwt.com\/moneycoaching\"><span data-contrast=\"none\">Get Money Coaching with Ramit<\/span><\/a><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/www.iwillteachyoutoberich.com\/landing-conscious-spending\/\"><span data-contrast=\"none\">Conscious Spending Plan<\/span><\/a><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><b><span data-contrast=\"none\">Show Transcript<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335557856&quot;:15003381,&quot;335559685&quot;:0,&quot;335559737&quot;:450,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:768}\">\u00a0<\/span><\/h2>\n<p><a href=\"https:\/\/drive.google.com\/file\/d\/1U7vf2nnutUDPiruc2U3Jw2tok4FBp0W-\/view?usp=sharing\"><span data-contrast=\"none\">Download the full transcript PDF.<\/span><\/a><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:00:00]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, first of all, I want to thank everyone for watching my Netflix show. It came out a little while ago. It\u2019s called How To Get Rich, and it instantly hit the top 10 on Netflix, which blows my mind. This podcast also became one of the top five podcasts on all of Apple. So a big thank you to everyone who listens to the podcast, who watches it, and certainly those of you who watched the show.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;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 thought it would be fun to do a little Q&amp;A about the show now that it\u2019s all out there and you\u2019ve had the chance to watch it. So I\u2019m going to be doing a live Q&amp;A on May 11th at 6:30 PM Eastern. I\u2019m going to put all the details in the show notes. Here\u2019s what I want you to do. First thing is to make sure you watch the show all the way through, then submit your questions through the link in the show notes, and finally, come watch live on YouTube. I\u2019ll answer as many questions as I can about the show. Thanks again for watching. How To Get Rich on Netflix.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:01:41]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0We avoid talking about money so often, and a lot of the money conversations that we\u2019re having are actually done in my head. I just go into panic mode because I don\u2019t know exactly what he means. And then I see the tension on his face.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:01:54]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0I just need to continue to plow forward. So the excitement isn\u2019t there. I can\u2019t get excited because if I get excited and something happens and we\u2019re not prepared, it\u2019s just going to be that much more crushing.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:10]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I would say that we\u2019re not speaking the same language, and we just don\u2019t see money the same way. So we can\u2019t manage it together.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:17]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Jennifer, ask him, \u201cBefore today, did you feel like you were in this alone?\u201d<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:24]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Before today, and knowing this number, did you feel like you were in this alone?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:30]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. It was hard because if anything ever happened to me or if something happened to me, there was nothing for you guys. And so I would just soldier on, keep moving forward because I didn\u2019t want something to happen and then for you guys to have nothing.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Narration]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:03:01]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Today, I\u2019d like you to meet Jennifer and Andrew. Jennifer\u2019s 33. Andrew is 37, and they have trouble saving money. She\u2019s a doula, and he\u2019s a police officer. Until recently, she was a stay-at-home mom, but recently she started working and earning more. Now, as you listen to today\u2019s episode, I want you to notice certain phrases that they use. Phrases like \u201cwe can\u2019t save money,\u201d or when it comes to Andrew, things like \u201csoldiering on,\u201d really creating the identity of the protector of the family. Someone who just blindly soldiers on. Listen in closely. I think you\u2019re going to find today\u2019s conversation fascinating. And of course, you can watch this entire episode on YouTube so you can see their body language and eye contact. Let\u2019s get to it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Interview]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:30]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0We avoid talking about money so often, and a lot of the money conversations that we\u2019re having are actually done in my head. Me reading the room and reading body language and being like, oh, okay, I said something about this cost and I saw him react this way, and so I\u2019m just going to back off and maybe not make that purchase or not talk about it again. And so\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:53]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You feel exhausted sometimes talking about money or even thinking about money?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:57]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I do. I feel exhausted, and I feel nervous for how he\u2019s going to react. Um, and I\u2019m trying to avoid discomfort because when we talk about money and then things go uncomfortable and weird, I have a really hard time getting us back to a copacetic, just good place. And our conversations around money often are very tense. It\u2019s like we\u2019re speaking different languages.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:05:24]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So because your conversations with money have been tense before, you remember that, and you can even see the signs when you bring it up. He gets a little tense. You get tense, therefore you don\u2019t bring it up at all out loud, but you keep it going in your head. Is that correct?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:05:44]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:05:45]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Do you make forward progress with your joint finances using this strategy?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:05:51]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Not at all. Our general conversations around money are usually me trying to look ahead and look at a big picture of what money is coming in. Andrew likes to look at things, um, in a smaller scale like paycheck to paycheck, and that\u2019s been a big disagreement between us. And it\u2019s been a pattern for long.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:06:13]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Andrew\u2019s shaking his head. How long? How long has it been a pattern for? Couple of months?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:06:18]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Our entire marriage.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:06:19]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, 11 years.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:06:20]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Our entire relationship.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:06:21]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0My credit card, how much we can pay on my credit card or when it gets paid off is a big one. Um, so me being like, I need to pay more on my credit card, and she\u2019ll be like, yeah, we\u2019ll pay more, but we can\u2019t do that now. I disagree because there are times we have the money, and it\u2019s extra money or I feel like it\u2019s extra money, but it\u2019s going to food, or to maybe a Target purchase, or something the kids need. Um, and sometimes I feel like for me, what I think is an emergency, we need to just get this down, doesn\u2019t become that until we\u2019ve passed that point.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:06:57]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm. Okay. Uh, and Jennifer, when Andrew says, hey, we need to pay more towards this credit card, what\u2019s your reaction?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:07:09]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0My reaction is to go into a fear mode of just like, well, hold on. Wait, what other big bills do we have coming up? What does he mean by that? How much more toward his credit card? What\u2019s the plan? Um, realizing now how vague we are about these conversations.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:07:30]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Why? What do you mean? Tell me what you just realized.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:07:34]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, as he\u2019s saying that, I\u2019m like, oh yeah, that makes sense to me. I don\u2019t know, the way he\u2019s saying it to you is making sense to me now.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:07:42]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, no. I\u2019ve become the guy. You know what happens in couples, they\u2019ve been together a long time and someone\u2019s been saying the same thing for 10 years, and then Mr. Jackass Ramit Sethi rolls in? We\u2019ve been talking for less than 10 minutes. And I haven\u2019t said a word. I haven\u2019t said one single directive thing, and suddenly Jennifer\u2019s like, oh, I totally see what he\u2019s been saying. Now, Andrew\u2019s like, mother, fuck this guy, Ramit. I\u2019ve been saying this for a decade. Did I get that right?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:08:10]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Kind of. I that the issue is that we don\u2019t often have an actual plan together. That we come together and say, um, I want to pay more on my credit card because this is the payoff plan, and we need to pay this much per month, blah, blah, blah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:08:24]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You never said that? You never had that conversation? Well, 11 years isn\u2019t that long. Maybe another 11 years you guys can pull out a debt payment plan. Why do you think you haven\u2019t had a conversation like that before?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:08:37]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I think that coming into these conversations, Andrew would bring it up to me and say, I want to do this much on my credit card, blah, blah, blah, and I just go into panic mode because I don\u2019t know exactly what he means. And then I see the tension on his face. I see his discomfort with the amount that\u2019s on his credit card, and then I put it on myself as like, oh shoot, maybe I messed up here. I need to fix this. We need to talk about it. And then we just get into this weird cycle of energy. It\u2019s almost like cats just circling each other.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:09:15]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Eleven years is too long to not talk about money in a healthy way. I\u2019m willing to bet the substance of your money conversations is a lot of walking on eggshells, a lot of feeling each other\u2019s emotions, and less, hey, what is our goal for this conversation, and how can we make it constructive?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Narration]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:09:34]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Jennifer and Andrew don\u2019t really know what the problem is. When they talk about it, they lapse into very vague language, like it\u2019s all about the communication, but when I press them, it\u2019s clear they don\u2019t really understand what\u2019s going on here. And that\u2019s actually okay. Most of us don\u2019t understand the root problem. That\u2019s often why we need somebody from the outside to come in and help us see what\u2019s really going on.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">What\u2019s interesting to me is that our minds create these compelling narratives that we then latch onto. We may tell ourselves, he always spends too much, she doesn\u2019t want to talk about finance, but when we dig deeper, those are often not reality. In other words, our minds is very good at creating narratives, but our minds doesn\u2019t always tell us the truth.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">One big clue is that their conversations often go in circles, and they end up in the weeds. For example, they spent two hours doing the conscious spending plan, which really should take no longer than 30 minutes. I want to keep probing with them to see if they can realize what\u2019s really going on, because it\u2019s much more powerful if they get it, instead of me coming and telling them what\u2019s going on.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Interview]\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:11:44]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I would say that we\u2019re not speaking the same language and we just don\u2019t see money the same way. So we can\u2019t manage it together.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:11:51]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0I am very analytical when it comes to money, um, and she sees it differently. It\u2019s more fluid. It\u2019s loose. She can look at money a month out, and I\u2019m stuck looking at money like, this is this paycheck, this paycheck goes to this paycheck. My money constraint is very tight.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:12:20]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I think that\u2019s where some of the tension comes in because when we\u2019re talking about money, it\u2019s like we\u2019re talking about it in different ways. He\u2019s looking at exactly what has come into his account that day from his paycheck, and I\u2019m thinking, I have a client that\u2019s going to pay me next week, and I know that for next month I\u2019m projected to make this much, and I could make more. And that means we could actually take\u2013 maybe we don\u2019t have to pay this specific bill right now and drain our\u2013 we can actually pay this bill in this chunk, in this way. We have this much for groceries. We don\u2019t have to worry. We\u2019re okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:12:51]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, are you seeing Andrew\u2019s face right now?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:12:54]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I was looking at you so I wasn\u2019t.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:12:56]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Andrew, can you just\u2013 I mean, what\u2019s going through your mind right now? I see your face.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:01]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, it\u2019s the late fees. It\u2019s the higher interest rate. It\u2019s, we\u2019re going to end up spending more money because we didn\u2019t pay it off when it was due. It\u2019s the fact that our credit\u2019s going to take a hit.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:17]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Which means what, if your credit takes a hit?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:20]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0It means we can\u2019t get a better credit card. We can\u2019t move if we need to. If we need to make a big purchase, we can\u2019t do that because our credit\u2019s shot. Our credit is already not good.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:33]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Andrew, did you grow up poor?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:37]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Upper middle class.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:39]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Upper middle class.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:40]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0A little more than.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:42]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What\u2019s that? I always love the partner. Oh, okay. So you grew up wealthy, but you\u2019re saying upper middle class, is that right?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:54]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0My mom made probably $120,000 a year.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:59]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0In what year?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:01]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0The 90s, early 2000s.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:05]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, okay, and in what city?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:07]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, the Bay Area,<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:09]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. I have to look at the exact terms, but okay. Upper middle class to wealthy. Fine. And, uh, Jennifer, is there any other reason smiled? Do they own a yacht or something that we should know about?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:24]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, I mean, they definitely had money. I mean, he never even had to take out a student loan to go to school. But I also understand too, there\u2019s some nuance there. She didn\u2019t always manage her money well, but they had money. They definitely had things.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:37]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0We didn\u2019t talk about money. It was a lot of my mom waiting to pay bills until she got paid.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:44]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Why, making 120k?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&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\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Spending money on other things. It wasn\u2019t food. It was like, there were a couple times where the power went out, or\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:53]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay, hold on. Did she grow up poor?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:55]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0No.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:57]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0She also grew up\u2013 something is missing from this puzzle. Okay. She grew up with money.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:03]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:04]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Now I got to figure this out. She grew up, she got a nice job, made 120k, which is great, and how come the power went out, and she was trading stuff for food? Why?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:19]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0She mismanaged money. So both me and her grew up in environments where we did not want. So if she needed something or we needed something, without thinking about it, she would just pay for it. Or her favorite place, she would travel a lot. So she\u2019s paying for big trips not looking at accounts. They\u2019re like, ooh, there\u2019s a new car. I\u2019m going to buy that new car right now.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:42]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Was she the only kid or was she spoiled?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:45]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0She was very spoiled.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&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\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Ah. Okay. Got it. So she was spoiled, so money was given to her, etc. How long was money given to her? While she was making 120k, was her family still giving her money?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:59]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:59]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Starting to make more sense now. So they covered things arbitrarily, randomly. Got it. Was that the same for you?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:16:08]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:16:09]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm. Did you still get money from your family?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:16:12]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0No.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:16:13]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0No. Why did it stop?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&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\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Because I\u2019d married Jennifer.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:16:19]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Ah. Hold on. Did it stop because you said, okay, I\u2019d like you to stop, or did they say, all right, we\u2019re done?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:16:26]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0They said, all right, we\u2019re done. And me and Jennifer worked hard to a get to a point where we didn\u2019t have to take money anymore.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:16:32]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Congratulations. That\u2019s awesome. That\u2019s really cool.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:16:36]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I remind him all the time how proud I am of us. Um, I think we\u2019ve come a really long way. We\u2019re talking about how vague and stuff we are now and the problems we\u2019ve had, but we\u2019ve come a really, really long way.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:16:46]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s cool. Andrew, what about you? How do you feel about that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:16:50]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t think I\u2019ve ever taken a moment to celebrate it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:16:53]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0But the fact is, you have created your own family unit. That takes autonomy, takes intention. I think that\u2019s really cool.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:02]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Thank you.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Narration]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:03]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So many of us go through life never stopping and celebrating how far we\u2019ve come. For most of us, money is just one series of transactional decisions after another. Pay that bill, repair the car, pick up Saran Wrap at Target, should we buy a house? And it\u2019s no surprise that if we agonize over the price of Saran Wrap at Target, that we are probably stuck in the weeds, and we are not zooming out and looking at the big picture.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">But the big picture is where you get the big wins. And it\u2019s not just life that does this to us. We do it. We actively choose to talk about tiny little expenses that are overall meaningless because it gives us a sense of comfort. It gives us a sense of control. And one of my entire goals with everything I do is to help you see that these $3 questions are ultimately meaningless. You can spend the rest of your life chasing $3 questions, and it will get you nowhere, or you can totally reconceptualize the way you think about money, and ask $30,000 questions, and start focusing on things that really matter.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;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 there\u2019s one other thing when it comes to talking about the big picture versus $3 expenses. If you focus on $3 expenses, I can almost always guarantee you feel bad about money. And if you feel bad about money, how are you ever going to step back and appreciate it? So there are lots of ways to feel good about money. Part of it is understanding your numbers. You\u2019ve got to know your numbers, your fixed expenses, all that. But you\u2019ve also got to talk about money regularly, proactively, and positively. If you can do those two things at the same time, you are on a very good track to having a healthy relationship with money.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Interview]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:19:52]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What\u2019d you make at your first job?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:19:54]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0$2,000 a month?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:19:56]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What? Really? What was it?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:19:57]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0It\u2019s 2,000 now. You made a 1,000 a month because our rent was 800, and I had 200 to try to pay for groceries, and diapers, and stuff.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:20:04]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, even less than that. So it\u2019s a $1,000 a month.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:20:07]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0We started off our relationship, essentially, in survival mode. Neither of us was, um, really making any money. I was living in a Buddhist monastery as a live-in chef, so I was basically just working to live there. And he was a student. And, um, blessedly, his mother was able to pay for him to just go to college. So that was great. But his whole job was to be a student, so we were not making any money.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:20:29]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So that\u2019s how you started off your relationship? Were you married at the time?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:20:33]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0No.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:20:33]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0We were engaged, so we had a baby really early in our relationship. Um, had a premature baby at home, and he right away went and got that job, and, um, we had to get on food stamps. And I had $200 to try to figure out gas, diapers, food, and we\u2019d take that other 800, put it to rent. And we did that for a little while until we finally got a raise, which I think then got to about, um, maybe that 2,000 you\u2019re thinking of.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&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\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:01]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Hold on a sec. I have so many questions. So I have to ask, you\u2019re on food stamps now, did you think of going back to your family and asking for some financial help?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:14]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0They helped every now and then.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:17]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. My family, it was normal for them.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:19]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Hold on. I want to hear from Andrew. So Andrew, what do you mean every now and then?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:23]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0They would still\u2013 if things got really bad, I can call and be like, hey, we need some help. Um, and they would be like, okay, here\u2019s a little bit of money to get you through.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:32]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What does really bad mean? And how much would they give you?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:34]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Really bad is we are short 600, so they give us 600, or we have a bill we can\u2019t cover. So here\u2019s your bill money.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:47]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Who were you calling?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&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\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0My mom.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&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\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You were calling your mom. And what is her financial situation now?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:54]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, she is in debt.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:56]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Wow. And did that come about from pure mismanagement?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:01]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Mismanagement, and she got sick, so she had to deal with all of that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:08]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0How is she now health wise?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&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\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, she passed recently, so not too\u2013 I guess she\u2019s doing a lot better.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:19]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s one way to look at it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:21]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0She\u2019s doing a lot better now.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:22]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m sorry to hear that. Um, okay. When she passed, in terms of your own finances, did it affect your finances at all? Was there an inheritance or anything like that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:37]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0As it stands right now, she still owes money, so we are trying to figure out how we\u2019re going to cover that cost.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:45]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Jennifer, I want to go back to you now, rewinding back to those early moments where you just had a baby and sometimes you couldn\u2019t cover your costs, you said that was normal for my family. What did you mean by that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:59]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Well, I was thinking about your question, did you go to ask for help from your family? For my family, if I were to tell them, oh my God, we\u2019re really struggling, or I can\u2019t afford diapers, they probably would\u2019ve been like ha ha. Cute, huh. That\u2019s how we do it. That\u2019s what life is. Um\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:23:14]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, does that mean\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:23:14]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Blue collar family. It was just like, oh, this is how it is. This is how it is to have a baby. This is how it is to have life. Um, I don\u2019t have much to give you.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:23:26]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Join the club.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:23:27]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Join the club. Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:23:28]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Did you grow up hearing this? Is that the message you received growing up, that life is tough and that\u2019s how it is?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:23:35]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Definitely.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:23:36]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Uh, how did you grow up?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:23:39]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, definitely pretty poor. Um, my mom and dad split when I was just a little tiny baby, and she remarried to a guy who was great, grew up as my dad, and he was a very blue-collar guy. He ended up starting his own company, um, but he also owed child support, so a huge chunk of his check would get taken out. So my mom was very resentful of that. We were super broke. She used to count the slices of bread to make sure we got the whole thing.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:24:04]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Really? Hold on. Don\u2019t skip over that. I don\u2019t think people know what you mean by count the slices of bread. Can you explain that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:24:12]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0To make sure that she was getting the best deal for the 99-cent bread. She had to count and see how many slices there were to make sure there was enough to get us through the week. And could she afford this 99-cent bread, or did she have to try to maybe\u2013 yeah, maybe one night bread and butter would be a side dish, so she\u2019d be like, can I get two fluffs of bread so that we can have some for a side dish?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:24:34]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So we\u2019re talking about pretty poor.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:24:37]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Very poor, and it changed\u2013 it was interesting because as I grew, it changed pretty rapidly. So my dad started his own company, he became a general contractor, and when I was getting into my preteen years, he started doing really well. And so we went from very poor to a bit better, but still didn\u2019t have the things my friends had. No new shoes, nothing like that. But we\u2019re doing good. There\u2019s food on the table. And my parents are looking pretty happy.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">And then he did really good and he bought all the toys, the big trucks, the RV, they built a house. We lived in our RV where they built their own house. It was their dream coming true. And then the recession hit, and right after I was graduating high school, and he lost everything and had to file for bankruptcy.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:21]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0No way.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:22]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0And then I had a baby. I was terrified because I already didn\u2019t get a lot of help from them. I\u2019d already been pretty independent. I\u2019d been working for myself since I was 15. Um, but I had moved away to the Bay Area where I met Andrew. And, um, I was also losing everything at that time. I was not managing my money very well or trying to put myself through school while working because they couldn\u2019t support me to do either.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;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 I was working full-time, going to school full-time, and I was not able to pay my rent. And my landlord, uh, told me I had to get out, and so I had nowhere to go. And I knew they couldn\u2019t help me and I didn\u2019t want to put a burden on them or tell them how bad it was for me. So I just let them know everything was okay, and that I was doing fine. And I just kept pushing forward like, I need to just finish school. And I did. And then I found that job living in that Buddhist monastery. So it was like\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:26:17]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I have a question. You were about to be homeless, and you didn\u2019t want to bother your family. Where did you learn that lesson from?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:26:28]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0From them.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:26:29]\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;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:26:30]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, well, very direct\u2013 I mean, my parents, when they were struggling, when they were their worst, sometimes, um, we had, uh, sheets instead of doors hung up in the doorways. And I just remember my mom saying, so proud, we never ask for help from anyone. We don\u2019t have to ask for help. I had very, um, wealthy grandparents and she\u2019d be like, we would never do that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">I think they were just proud. It would mean that they were less than. It would mean they weren\u2019t trying hard enough. It would mean that\u2013 yeah, I don\u2019t know. They had a pride about it. They put their shoulders back and we\u2019re just like, we never have to do that. We had other family members that would ask for help and they\u2019d, ugh, they asked for money. It\u2019s not good.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;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 felt like, um, I felt proud of myself actually for asking for help because I had that little baby, and I felt like I was breaking a cycle. I felt like, no, she needs better than this. And I knew that it was something that would support us. And I knew that there would be a little bit of embarrassment. And I knew that some people would feel a certain way about it, but I felt a lot of energy.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;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 remember going down to the offices, and it was hard to take a newborn down to those offices and sit in those chairs, and I felt proud of myself. I would pack her up a little bag, I would get her little snacks, and I was just like, I\u2019m doing this for you. And I felt good about it actually.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:27:56]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I love hearing what you just said. I love it. You said, \u201cI felt proud.\u201d<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:02]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:03]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You were not going to take any shit. You had a mission. It was going to happen. I think we can apply some of that same stuff here.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Narration]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:12]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Honestly, it\u2019s amazing to hear Jennifer\u2019s story with her baby. She had a mission. She had something that had to get done, and she did it. She was not going to let anybody get in her way. Personally, I find that very inspiring. And what I\u2019m thinking as I\u2019m hearing this is, how can I connect that mission to where she is right now with money?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">This is what people do when the stakes are high. They often rise to the occasion. And so what I\u2019m thinking as I\u2019m hearing this is, how can I get someone like Jennifer to connect her feelings in that moment with her baby, her behaviors that she took where she didn\u2019t allow anyone to get in her way, and her accomplishments all the way to where she is right now with her money?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">One of the things I try to do is help people connect a part of their lives where they are winners, where they have intensity, and results, and accomplishment, and pride, and I help them translate it over to their finances. And this is important to me because in the area of finance, a lot of us feel lost and overwhelmed even though we may be winners in other parts of life. So to me, it\u2019s a gift to be able to show people, you\u2019ve already done it over here. You know how to do it. It\u2019s inside of you. Now let\u2019s just shift the view and do that same thing for our finances.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Most of us have at least one example in our lives where we were winners, where we were fearless, where nothing could get in our way. Jennifer had it, but she struggles to do the same with money. From my perspective, I actually think this is a really positive thing because I know she has the ability to focus and drive something until it gets done. Now it\u2019s just a matter of translating that over to money.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">On a side note, it still absolutely blows my mind that people listen to this podcast and then they go right back onto Twitter telling everyone, you should pull yourself up by your bootstraps. Success is all about trying hard.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Jennifer grew up with her mom counting the slices of bread they got from the store. They put sheets over their doors because they didn\u2019t have doors. And my taxes and your taxes go towards helping people in Jennifer\u2019s situation feed her baby. That is why I have zero insistence for people who say, I shouldn\u2019t be taxed at all. Taxes are too high. And I want higher taxes on the rich, including me. Now, back to Jennifer and Andrew\u2019s story.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Interview]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:31:27]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I think something I\u2019ve been seeking and looking after is I\u2019m looking for that sense of excitement, that sense of fun and joy, and I do feel like sometimes I\u2019m a little bit obnoxious in my joy, and excitement, and celebrations. And I\u2019m realizing now, what I\u2019ve been looking for is for Andrew to be the one to have that excitement and that boost too. And that\u2019s maybe a little unfair, but I\u2019m just having that realization of, I\u2019m tired of being the one that\u2019s constantly pushing forward and finding the mission for us because we tend to not talk about it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:00]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Why don\u2019t you two talk to each other right now? I\u2019ll just listen.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:02]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. I think that\u2019s what I\u2019m realizing, is I\u2019m looking and hoping for you to also just take some, um, just have some excitement and take some authority and just step in and help me with this mission and help me move us forward.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:25]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Andrew.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:27]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0So there\u2019s missing pieces to this. So, um, it\u2019s four years now. Four years ago, she had leukemia, so we\u2019ve been dealing with that. So my\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:40]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Jennifer did?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:41]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Jennifer had leukemia.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:42]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, okay. I didn\u2019t know that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:42]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. So she\u2019s in remission. So, um, my goal has just been keep plowing forward.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:52]\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;335557856&quot;:15003381,&quot;335559685&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\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0If we need something, just plow forward.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:55]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Because what? Plow forward because?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:02]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0If she gets sick again and we don\u2019t have insurance, or if we don\u2019t have enough to cover the cost of medications, or if we don\u2019t cover the cost of a hospital bill, I just need to continue to plow forward, so the excitement isn\u2019t there. I can\u2019t get excited because if I get excited and something happens and we\u2019re not prepared, it\u2019s just going to be that much more crushing.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:28]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0It sounds like you\u2019re a soldier right now. You\u2019re an infantryman. You\u2019re in battle, and it\u2019s not about excitement, it\u2019s not about feeling good. It\u2019s just about one foot in front of the other, over and over, up that hill. That\u2019s all you got to do. Would that be fair?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&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\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:46]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. So there\u2019s a time and a place for that. Sometimes we have to go into financial battle. If your partner has leukemia, yeah, I\u2019m not interested in how you feel about your job, uh, you just need to have a job. I respect that. And Jennifer, I\u2019m really thankful to hear that you\u2019re in remission. Now that you\u2019re in remission, do you think it maybe feels like it\u2019s time to re-characterize this from a battlefield to something else?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:21]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:23]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What would it be? Give me an analogy.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:27]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Planting a seed.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:29]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Talk it through.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:31]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Starting over and just trying to reestablish a barren wasteland.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:38]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I like the idea of a garden because it takes time too, and attention, and intention.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:46]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Give me some more. I want to hear. Time. It takes time, attention, intention. What else, Andrew? What is a garden? What are the implications of a garden?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:56]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Patience. Um, you have to take care of it. You can\u2019t just let it go wild. So it needs attention.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:03]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:04]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0It needs to be fed. It needs to be looked after. It needs to be fertilized.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:09]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm. Does every plant you plant grow 10 feet tall?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&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\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0No.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:14]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Do some of them die?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:15]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:15]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And is that okay?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:17]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:18]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, that\u2019s life. That\u2019s okay. You took a great crack at it. We\u2019ll tweak a couple things. We\u2019ll get some different seeds and we\u2019ll try it a different way. What do you think?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:28]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Sounds fantastic.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:30]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I love that.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:31]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. I\u2019m getting excited. You\u2019re getting excited. Okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:33]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0That sounds nice.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&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\">\u00a0Okay. So this is cool. We are now rewriting our story together, and each of you has the capability to do this. Sometimes we have stories that we articulate for ourselves. Uh, Jennifer, you explicitly said, \u201cI\u2019m changing the cycle.\u201d That was a story you created and you made it come true.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Amazing. Sometimes we create stories that we never articulate. They just happen. Uh, I\u2019m in battle. I need to keep moving forward. Andrew, that\u2019s a story you told yourself, but you may not have explicitly said it out loud. And now what you two have done is you\u2019ve created a new story together.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Narration]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:18]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What a beautiful metaphor. We started in the weeds, but now they have created a totally different way to look at their finances. Let\u2019s take a look at the numbers. Their assets are $5,000, which includes their truck and van. Their investments are $30,000. Their savings are $2,300, and their debt, including credit cards, SBA loan, and a van 17,300. Their fixed costs are 60%, and their housing is 22%.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;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]\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:29]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Debt payments. This is for your credit card debt, is that correct?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:32]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:34]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Why do you say it like that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:35]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Because my interest rate is garbage.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&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\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a028?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:38]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:39]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm. And this debt payment, is this the minimum?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&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\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0It\u2019s like $10 over the minimum.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:47]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0No, we can\u2019t do that. Okay. All right. Well, let\u2019s talk about that in a minute. Groceries, 716 bucks. How do you feel about that? Everyone got real quiet. What thehell?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:02]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I know. I was waiting to see what Andrew was going to say. I, um, the frivolous little things we get at the grocery store, we could probably cut $50 a week.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:11]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0200 bucks a month? Are you serious?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:13]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I would imagine.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:14]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Great.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:15]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Would you think so?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:17]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:17]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Would you think so, Andrew? I mean, we\u2019ve got our little things.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:21]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Hey. Okay. All right. I\u2019m getting excited. I\u2019ll put that aside. Can you hear the excitement in my voice? We\u2019ll come back to this. Okay. Uh, that\u2019s amazing. Subscriptions are 144. Uh, come on.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:36]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0What are all those subscriptions for? I don\u2019t even remember.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:38]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Haven\u2019t you some of the ads on my show?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:41]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0 We need to do that.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:45]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0No. It\u2019s Netflix. It\u2019s Hulu. It\u2019s Amazon.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:48]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Netflix is okay because I have a show on Netflix. Everything else, eliminate that shit.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&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\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Netflix, Hulu, Amazon, HBO.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:57]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Hey, what the hell? How are you having all these things when you have credit card debt? I\u2019m sorry.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:39:04]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0No, it\u2019s\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:39:05]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0It\u2019s a fair point.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:39:08]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Thirty, 40, 50 bucks a month is actually really meaningful at this stage. Forty five bucks a month. Fantastic. All right. That\u2019s $245 a month already freed up for credit card debt. That\u2019s a lot. Okay. Finally, your guilt-free spending is 35%. I\u2019m not so sure I believe that. That\u2019s just the money left over. How much do you actually spend on guilt-free spending every month?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:39:35]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0It\u2019s food. It\u2019s target. It\u2019s pet stuff.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:39:39]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Wait, I don\u2019t even really shop at Target. Yeah, ordering on Grubhub because we got tired of that type of stuff.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:39:43]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, that would be food. Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:39:45]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0How much do you order? How often?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:39:49]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Two times a week at 50 to $75.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:39:58]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. How much is that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:01]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, that\u2019d be 200 to almost $600 a month.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:11]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0How do y\u2019all think about that? What\u2019s that look on your face, Jennifer?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:16]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t love that. That\u2019s a big number.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:17]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t love that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:19]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t love it. I, um, yeah, I think it\u2019s, uh\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:26]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Can I just point something out? $600 a month towards delivery, and you\u2019re currently paying off $110 a month towards your credit card debt.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:36]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I know. It\u2019s really embarrassing.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Narration]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:42:26]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, what I like about this is that it\u2019s a little lighthearted and we\u2019re joking around. What I don\u2019t like is pretty much everything else. Listen, if you have credit card debt, you need to consider that an absolute emergency, a red flag, because if you truly understood the effects of 28% interest rates, you would never let yourself get into that quicksand. Once you get in, it\u2019s very, very difficult to get out.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">With credit card debt, it\u2019s an emergency, and an emergency means it\u2019s time to make radical changes, but too few of us recognize that emergency. We get used to paying it, finally, we simply tell ourselves, oh, this is the way it always is. We\u2019re always going to be stuck with credit card debt. No, that\u2019s not the way to do it. You can\u2019t accept that. So I\u2019m begging you to treat it like an emergency and start making radical changes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">No, it\u2019s not. Spending hundreds of dollars on cable and takeout makes no sense to me if you have crippling credit card debt. Now, of course, it\u2019s their money. It\u2019s not mine. They can do whatever they want with it, but you can even hear it in their voices, they don\u2019t even love what they\u2019re spending money on.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">By the way, if you\u2019re in a similar situation as Jennifer and Andrew, you\u2019ve got too many subscriptions, you don\u2019t even know what you\u2019re spending on, you\u2019re in credit card debt, we\u2019ve got a sponsor of the show, Rocket Money, who can help you automatically cancel unwanted subscriptions and get a handle on your spending. You can find a link in the show notes or just go to iwt.com\/sponsors.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">And before we get back to Jennifer and Andrew, I just want to give a big thank you to everyone who listens and uses our sponsors. We are very selective about our sponsors. I want to bring you the best brands out there. And so it means a lot that you support this show, which allows us to create amazing episodes on audio and video by supporting these sponsors. So go to iwt.com\/sponsors to see a full list of the brands that we work with and support this show. Thanks again.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Interview]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:46:41]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0How are we going to decide what we need to do\u2013 when we should eat out?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:46:46]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. I think we\u2019ve been trying to think of ways, anyway, to just have more family time together.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:46:51]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Hold on a second. Sorry to interrupt again. What just happened in that conversational dynamic? Who asked the question and who\u2019s now taking on the burden of answering it?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:47:02]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I think I\u2019m taking on the\u2013 I\u2019m like \u2014<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:47:06]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You\u2019re just jumping in to solve\u2013\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:47:07]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Coming in with an answer.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:47:08]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. And, um, don\u2019t you want to have a little bit more equal representation?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:47:13]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Um, I guess now I\u2019m just more curious about when do you like to eat\u2013 is it for fun for you, or is it just to feed us? Or like what is ordering Grubhub for you?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:47:33]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0I think for me ordering Grubhub is a time where we can all just breathe. It\u2019s a time where you can relax because you don\u2019t have to cook. The kitchen doesn\u2019t turn into a mess, and so it\u2019s a time just to get a small reset for everybody. So I think when it comes to eating out, we really need to look at the times where we\u2019re really needing a reset or you\u2019re needing a reset, and saving it for those times.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:48:02]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Yeah. I was thinking we could make it a family time, but actually Andrew\u2019s way sounds like more of a, um, taking a burden off. So that sounds really good. So I\u2019m like, okay, that sounds better than my idea.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:48:19]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Whoa. That\u2019s the beautiful part about collaborating and being partners in this. You actually get ideas you never knew about, but you have to ask. So I still don\u2019t want you to solve this problem. So, Jennifer, knowing what he just said, how do you want to toss the ball back to him? Something that you struggle with.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:48:38]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Okay. Um, what would that look like for you?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:48:49]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0I think that would look like you being the one to determine when we eat out or not, instead of me suggesting, hey, we should go eat out today.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:48:58]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0But that just gave me the ball back. Do you think that maybe you could be the one to do it, and anticipate it, and order it?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:49:16]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0I will try. I will put my best foot forward.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&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\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Is it hard?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;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 don\u2019t know. Um, it\u2019s not something I\u2019ve done. I don\u2019t know what that looks like. Um. Well, I guess this goes into our dynamic because I want to just lay out like, well, you open the app and you\u2013\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:49:42]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0No, I don\u2019t need you to do that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:49:44]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:49:45]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Do you want me to step in here?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:49:49]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:49:51]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Wait, uh, shit, now I\u2019m taking the ball. No, I\u2019m catching myself. I almost did it myself.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:49:56]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t know any other tools? I don\u2019t know.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:49:59]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Go ahead. Okay. What do you want to say in plain English, Jennifer?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:50:06]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I guess I just want to say I can show you or\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:50:11]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, so you want to solve the problem yourself. And when you show him, is it possible that he might just go like, oh, I don\u2019t know. You\u2019re so good at this. Why don\u2019t you just do this? I\u2019ll be busy next Thursday. Is that possible?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:50:21]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0It is.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:50:22]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Hmm. That\u2019s so weird. How\u2019d I know that? Okay, so what do you really want to happen? What is the North Star here? Not the intermediary step.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:50:30]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0The North Star would be that he just does it. He just\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:50:35]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Thank you. So why don\u2019t you say that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:50:37]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I would really love it if you just did it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:50:44]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:50:47]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right. That was great. What did you notice about the whole dynamic of what happened in that back and forth? Let\u2019s start with you, Andrew.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:50:59]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0It made me have to be accountable, and it was probably one of the clearest conversations we\u2019ve had in a long time.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:51:17]\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;335557856&quot;:15003381,&quot;335559685&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\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh. Hmm. That\u2019ll sound real bad when I say it, but I\u2019m going to say it. Because it was concise, so there wasn\u2019t a lot of fluff to get lost in.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:51:44]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Great insight. Jennifer, what do you notice about the conversational dynamic there?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:51:49]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m just so used to taking care of everybody and doing everything for everybody that it\u2019s like a default. It\u2019s just easier to be like, okay, I\u2019ll just handle it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:51:58]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Hmm. And even if you don\u2019t handle it, you will explain how to open up the app. Then you\u2019ll\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:52:06]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019ll walk them through it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:52:07]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Walk over and up the app. Then you\u2019ll install the thing, and put the password on there, and double check it. All that sound realistic? Look at your face. You\u2019re like, oh, shit. Hegot me.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:52:16]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I mean, it\u2019s so silly, but it\u2019s so true. It\u2019s really silly.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:52:20]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. It\u2019s silly, but it\u2019s also not silly. It\u2019s real. So I\u2019ll tell you what I noticed from that dynamic. I thought it was fascinating. The fact that we spent 15 minutes talking about ordering food, to me, is absolutely fascinating. Andrew, you are delegating everything back. You\u2019re tossing the ball right back to Jennifer.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Jennifer, I noticed you\u2019re just instant, jumping in to solve the problem. You haven\u2019t developed the tools at all to be able to say, okay, what do you think we should do? I\u2019m not sure. What do you think? Because if you just jump in to answer questions, you\u2019re now disempowering him, and you\u2019re creating a role that you\u2019re always going to be the one to solve it. Andrew, are you hearing this?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:04]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:05]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What do you think?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:06]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0I think it makes a lot of sense.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:07]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. So not judging, not saying anyone\u2019s a bad person, but rather saying, hey, there\u2019s some dynamics here that have been deeply held, and they\u2019re deep grooves, and you can see why even with this simple Grubhub example, it cascades to things like, should we pay, etc.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:28]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:29]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I love this tip of the iceberg example. So you told me that you were going to cut back how much on eating out?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:40]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0I would say half.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:42]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Half. So you\u2019re going to save 300 a month there?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:45]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:46]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay, good. That\u2019s 300 there. Plus, you\u2019re going to save how much on your subscriptions?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:54]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0That was 45, I think.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:56]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Let\u2019s say 50. Let\u2019s say 45. Forty five, and then, uh, there was how much for the groceries you\u2019re going to save?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:54:03]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0A 100.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:54:04]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I think we said 200 because is 50 a week.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:54:06]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, 200. That\u2019s, uh, 2, 3, $545. Where else is the rest coming from? How do you cut 800 a month off your guilt-free spending? Andrew\u2019s face just\u2013 his eyes went wide. But the factis\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:54:26]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, I\u2019m trying to think.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:54:27]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Gosh, if you got that to 1200, I\u2019m just going to tell you, you would have over a $1,000 a month extra money. Is that mind blowing to anybody here?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:54:39]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0That would be fantastic.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:54:40]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0It is. I\u2019m literally writing down a little note. Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:54:43]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You\u2019ll be amazed. Okay, great. And by the way, what are you going to do with all this extra money now? So let\u2019s just pretend it\u2019s 800 bucks a month extra. It\u2019s probably more if you really get dialed in, but let\u2019s say it\u2019s 800. How you going to split it?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:54:57]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0So do we do it by percent, or do we just put everything into one pot, or how are you\u2013 now that we\u2019ve said all this stuff, how are you thinking about this?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:55:09]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0I would like to drop our debt first and get as close to debt-free as we could be. So I would put the majority of it. In my head it\u2019s save 200 to $150 for guilt-free, the other 600 to 750, car, credit cards, SBA loan. And we can just tick those up on top of what we\u2019re already paying because it\u2019ll drop it faster, and then in the long-run we\u2019ll be saving more money.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:55:35]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0So just make a plan to go hard on the debt.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:55:38]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:55:41]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Andrew, this is where you ask her what she thinks.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:55:46]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0How would you like us to split up the extra money we would have coming in?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:55:55]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I think I\u2019d like to find a number that just feels really comfortable and consistent each month. So I guess it would be whatever that number is.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:56:04]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Push her, Andrew. Push her for a number.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:56:07]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0So we\u2019re talking about 800, right?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:56:09]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:56:11]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:56:12]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0What I had suggested was $200 for savings, $600 towards debt. To me, savings is different than money we\u2019re going to put towards a vacation as well as if we pay off the debt faster, that money then gets funneled back into our account into guilt-free spending because we no longer have the debt.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:56:38]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0That makes a lot of sense.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:56:39]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0If we\u2019re talking about moving money, both for savings, vacation, and debt, splitting those up into three different, oh, I\u2019m going to do it, flower pots\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:56:54]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:56:55]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Makes more sense.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:56:57]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0When you\u2019re saying, just go for the debt, that way we\u2019ll have that much more to spend on vacations and family.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:57:05]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:57:07]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. I think that does make sense. Although, I mean, my sister did just have a baby, so maybe there\u2019s a middle ground where we could do a very\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:57:14]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0So how much would you like to put into savings, put away for a vacation and then have for debt, if you were to split up $800 into three separate pots?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&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\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Thank you, Love, for being patient with me. Um, yeah, this 600 toward debt, and maybe a 100 vacation and a 100 for savings.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:57:52]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. That, to me, is doable.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:57:59]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Whoa. Do we have an agreement?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:58:01]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I think so.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:58:02]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Round of applause. I\u2019m taking it before you change your minds. So good. But I love seeing you grapple with this new tool. It\u2019s like you\u2019re learning how to roller blade or something. And it\u2019s like you used to just skate, but now you\u2019re rollerblading and it\u2019s a little unstable. That\u2019s okay. I like that you both had a positive attitude. I like that you were actually joking around with each other, teasing.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Andrew\u2019s like, so what would it be? And he had a big smile on his face. That\u2019s fun. Andrew, great job. You were not the soldier. You were totally the gardener. Oh, okay, you want to put more water, less water? What do you think? You were pushing. You weren\u2019t letting her give you the vague stuff, but you did it with a really cool attitude.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Jennifer, very interesting that just a few minutes ago when you gave, uh, Andrew very direct feedback, I just want you to order the food. And he was like, oh, shit. That\u2019s one of the clearest conversations we\u2019ve ever had. And I saw your face. You had a moment of realization, didn\u2019t you? Where you were like, oh my God, I have not been being direct with him.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;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 it\u2019s a skill. You\u2019re going to have to learn it. And the two of you have this dynamic, but you can see that it allows you to actually make really good decisions regardless of how long that took. I don\u2019t care. I\u2019ll stay as long as it takes. What I just saw was the two of you having a healthy conversation about money. It was fun even when it got tough. And guess what? You just decided what to do with $800 more per month. That is a win.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:59:42]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s pretty big.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Narration]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:59:44]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0The cool thing about what just happened is there were multiple breakthroughs right there. Did you catch them? The first is that they realized they were spending hundreds of dollars in a way that was not aligned with their rich life. Amazing realization. Number two, they made a decision to change it, and number three, they actually talked and worked together to create a plan.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">This is how you do it. Right there. Breakthrough after breakthrough can be the change of their entire trajectory of their financial lives. This is amazing. That is amazing. This is where, by the way, your plan might be different than my plan, but it doesn\u2019t matter. The plan that you can stick with is the plan that\u2019s going to work for you.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Interview]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:46]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay, so your total net worth, what do you see?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:50]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a020,000.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:52]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right. How do you feel about that? Both of you?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:55]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, I don\u2019t like it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:58]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You don\u2019t like it? Why?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:59]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t like it. I\u2019m in my late thirties, and that is not a number that should be that low.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:01:13]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What should it be?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:01:15]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0I would like it to be\u2013 at least have another number in front of the 20,000. In the hundred thousands would be nice, but it\u2019s just 20. See, then it goes back into the old mentality where we had medical bills that were 17 grand. Um, yeah. I think 175 would be nice.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:01:42]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0175,000 would be a nice emergency buffer. Okay. Uh, how do you feel about the net worth, Jennifer?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:01:53]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I actually feel, um, I feel like the numbers are small, but I feel excited about it because I feel like with the garden thing, we\u2019re just at the beginning, and it just gives me something to work with. And I feel like we have nowhere to go but up and to grow. We\u2019ve been a one income household for a long time.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">I\u2019m super proud of us. I\u2019m super proud of the fact that we\u2019ve got some credit card debt, but it\u2019s not that extreme, and we don\u2019t have any other big stuff hanging over our head. So all we have to do is get on the same page, and do our stuff together, and just make a plan of action and let these numbers grow. So I feel a lot of hope when I look at the numbers.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:02:32]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Do you agree, Andrew, that it can only go up from here?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:02:35]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:02:36]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You don\u2019t think it can get worse?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:02:40]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0I know it can get worse, but I\u2019m trying to be optimistic.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:02:43]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Hmm.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:02:44]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0I stick to what can go wrong usually.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:02:47]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, but it\u2019s interesting that right now you\u2019re only talking about what can go right. What is that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:02:52]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0I think I\u2019m trying to incorporate the idea of it doesn\u2019t have to always be doom and gloom, trying to put that garden piece in there and be like, all right, it can grow. We can expand.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:07]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I like that. All right. Let\u2019s continue looking through the numbers here. I thought this income is pretty interesting. So you\u2019ve mentioned that you\u2019re now a two-income household. Jennifer, you were not working before. Is that because you were sick?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:19]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I was a stay-at-home mom basically from the beginning, only because we couldn\u2019t afford childcare. But being just a very active person, I was never super satisfied with that. So I\u2019ve always had little side gigs. I got sick. And so I was just starting to really work, was sick for a full year. We moved, and then very recently it was like, okay, now this is a thing. Now I\u2019m consistently making money, something we\u2019re both still getting used to. So yeah, it\u2019s a combination of just being a stay-at-home mom. Now the kids are older.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:50]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right. So you run your own business, is that right?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:52]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm. Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:53]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Let\u2019s look at the income. Your gross monthly income, can you, uh, outline it for me?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:59]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, both of us together, it\u2019s about 7,500.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:04:02]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay, so that\u2019s about 91,000 a year. Did you know that YouTube make $91,000 a year?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:04:09]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I think it\u2019s so cool.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;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\">\u00a0Yeah. But did you know that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:04:14]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0No.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:04:15]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I did because I\u2019ve been, um, yeah, just consuming all of your content. And I get excited by writing down the stuff and putting it in the little calculators and being like, oh, this is how much we\u2019ve got.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:04:28]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Jennifer, are you curious why Andrew never knew how much you make?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:04:31]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I was going to say, I\u2019ve brought it up to you, Love, and tried to say, look how exciting this is, or look how much we\u2019re making now. And, um, yeah. And you were\u2013\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:04:40]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Let\u2019s try that again.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:04:41]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Very tense.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:04:42]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Let\u2019s try that again, because I think you\u2019re telling yourself a story right now. In fact, you\u2019re saying it out loud. I want you to ask him, hey, does it surprise you to know that we make $91,000 a year as a couple? Go ahead.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:04:56]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Andrew, does that surprise you to know that we make that much money as a couple?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:05:01]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:05:02]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Tell me why.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:05:03]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0I think it\u2019s because there are times where we still struggle with trying to pay bills.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:05:16]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0So it doesn\u2019t really feel like that much money.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:05:20]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:05:21]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Keep going, Jennifer, you\u2019re on the right track. I love this back and forth. Keep going.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:05:24]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, yeah. I get what you\u2019re saying, and I don\u2019t really know where to go from here except that, um, yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:05:36]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Let\u2019s pause right there. Andrew, remember what Jennifer asked a few minutes ago what she wanted you to do more of? Can one person create this garden that the two of you want to live in? No. You\u2019ve both got to do it, right?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:05:50]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:05:50]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So step up. Go ahead. She\u2019s asking you a lot of great questions. You\u2019re just answering them like you\u2019re being interrogated. Get in the game.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;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\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. I didn\u2019t know we made that much money. It\u2019s nice to see that we make more than we did in the beginning, and that we are starting to work as a team instead of just an individual.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:06:14]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm. And what does it mean to you, Andrew, that the two of you make 91,000? That must be surprising. It must be shocking. It must be eye-opening. Must make you think about how you\u2019ve been thinking about your money in the past. Talk about all that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:06:36]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. It\u2019s really shocking to see that we\u2019re at this point where we\u2019ve never\u2013 this is the most money we\u2019ve ever made in our relationship. This is the first time where both of us, outside of\u2013 being a stay-at-home mom is a job in itself, um, and is hard, but you\u2019re doing both now.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">You\u2019re being a mom and you\u2019re also starting a business, which I\u2019m happy to see you do, because you enjoy what you do. Um, and I\u2019m glad that we\u2019re in this really together. The number doesn\u2019t matter, but I think the realization that I\u2019m not in this alone and trying to build and trying to change the stories that we\u2019ve told each other for ourselves.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:07:28]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Jennifer, ask him, \u201cBefore today, did you feel like you were in this alone?\u201d<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:07:35]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Before today and knowing this number, did you feel like you were in this alone?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:07:41]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. It was hard because if anything ever happened to me or if something happened to me, there was nothing for you guys. And so I would just soldier on, keep moving forward because I didn\u2019t want something to happen and then for you guys to have nothing.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:08:10]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Are there any connections between somebody passing along and nothing being left for them?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;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\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:08:28]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Have you made that connection before?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:08:31]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0No.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:08:36]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Now that you\u2019re seeing it, feeling it, what comes to mind for you?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:08:47]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0I have been very rigid in my routines, in my thinking, and it\u2019s been very weighty trying to take care of\u2013 because we had another daughter. So having that mentality of I need to push forward for everybody because if something happens to me or if something happens to my wife, we have to be okay. But knowing that it\u2019s not just on my shoulders is a relief. It\u2019s like a little weight has been lifted.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:09:27]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You ever tell her that before?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:09:29]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0No.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:09:30]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Why don\u2019t you tell her right now?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:09:33]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0Knowing that we are in this together, I love it because it feels like for the first time I can breathe and that, honestly, if something does happen, I know that we\u2019ll be okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:09:56]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Beautiful. What\u2019s striking to me is that just a few minutes ago, Andrew, you had suggested that you would really like to have about $170,000 to feel like you\u2019d be okay. Less than 10 minutes later, here you are talking to your wife and saying, I now realize that we\u2019re in this together, and if something happens, we will be okay. What do you think is going on? What\u2019s the difference?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:10:27]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019ve taken a step back, and I realized it\u2019s more than just what we\u2019re bringing in, but what we\u2019re bringing to each other.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:10:40]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You see how you two are starting to get more direct with each other now? No more dancing, at least not dancing 10 feet away from each other. We\u2019re starting to come closer. That was actually my metaphor, by the way. I was thinking maybe you would go with the dance metaphor, but I love yours. Yours is better actually. But mine, which is I give myself a B minus, was dancing.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">And the way I saw the beginning of our conversation was the two of you were dancing around each other, but dancing like each of you was too afraid to approach the other, consumed with what you think the other might do and how they might reject you, and just dancing around each other for hours, or in your case, years.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">But now we\u2019ve really unpacked all that stuff. You realize you\u2019re not a soldier. That time period is over. You\u2019re a gardener. The two of you are creating this together, and it\u2019s actually your job to take the ball now and to co-create, to bring it together to the garden. Beautiful. So all jokes aside, I\u2019m really happy that we\u2019ve come through this journey together because this is, uh, potentially changing the trajectory of your lives, together, for generations.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u00a0Your oldest, how old is she now?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:00]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0She\u2019s 12.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:01]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What would your oldest say if I asked her, how do your parents treat money?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:06]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I think she would say they\u2019re learning. It\u2019s a conversation we\u2019ve had a lot lately.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:12]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What else would she say? Would she say they have a lot of money?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:17]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0No. Our two kids are very different. I think the oldest would say money\u2019s scary and it\u2019s fleeting. And the youngest would be like, it\u2019s abundant, and I can save here and there, and then once I have enough, I can go buy something.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:38]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Hmm. What do you think the effects are of your oldest saying that money is scary and fleeting?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:46]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0I mean, we can see it. She\u2019s always looking to make more money, so she\u2019s already in that trap of I need to make more. I don\u2019t have enough.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:59]\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;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:13:00]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0She worries. Yeah.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:13:01]\u00a0<\/span><b><span data-contrast=\"none\">Andrew:<\/span><\/b><span data-contrast=\"none\">\u00a0She worries.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:13:03]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And Jennifer, what do you think happens as you fast forward through her life, financially speaking?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:13:10]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Probably a very similar dynamic of just not feeling caught up, not really understanding, being afraid of money and not knowing why she\u2019s afraid of money. Just like\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:13:19]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes. Very insightful. When you talk about money at home, do you talk about it?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:13:27]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I do talk about it with the kids.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:13:29]\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;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:13:29]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, well, in the last couple years I started giving them an allowance with the\u2013 I said, hey, I\u2019m learning about money and I\u2019m learning new things that I didn\u2019t learn when I was a kid, and so I\u2019m going to give you this allowance, and you don\u2019t need to do anything to earn it, but you have to let me talk to you about what I\u2019m learning.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:13:48]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Wow. Wait. I\u2019m going to a round of applause. That is one of the most sophisticated things I\u2019ve ever heard a parent say to their kids about money. Where did you come up with that? That is so cool.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:14:00]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I homeschooled them for a really long time, and the way we homeschooled was just a lot of, yeah, just connecting with them. And I think that I just got to a place where I was like, I just didn\u2019t learn this stuff and I just don\u2019t know what I don\u2019t know. And I didn\u2019t want to teach them the wrong thing, so I wanted them to know that if I frame it like I\u2019m learning it, they\u2019ll know that it\u2019s okay if I get it wrong, they can change their minds.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:14:26]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Wow. Beautiful work. That\u2019s very impressive. All right, so she\u2019s a little scared about money. What does she do with her allowance? She saves it all?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:14:38]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0She saves it, and she has, um, big lofty dreams of what she wants to spend it on, so I think she gets discouraged because she\u2019ll see something that\u2019s so\u2013 like, um, for a while she wanted a VR headset or a certain video game, but those kinds of things that are very expensive, and she feels already like, oh, I\u2019ll never be able to afford it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:14:58]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Gosh. I wonder if she absorbs any of that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:15:00]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Sure, she does.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:15:02]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Is there a story that you wish she learned about buying these big things that take time to save for? What would that story be?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:15:15]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I wish that she had learned that it can be really fun to anticipate something, and to plan for it, and to find the joy in it and the preparation of it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:15:26]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:15:27]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0And, um, yeah. How to just do it little pieces at a time in a way that feels good.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:15:33]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Does she listen to the podcast?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:15:35]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0She does sometimes. She said that you were going to yell at us for having a truck, and I said, no, that truck is paid off.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:15:40]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, yeah. I don\u2019t mind the truck at all. I had no issues with that truck. I\u2019ll tell you what, um, she\u2019s listened to the podcast. She knows about me. I want to speak to her right now, just so she knows. My wife and I got married a few years ago, and we decided that we\u2019re going to go on a honeymoon. And planning for that honeymoon was one of the most fun things we ever did.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Planning for it. Not even going on it, but planning for it. We started off, and we said to each other, where do you want to go? And we just wrote it down. And neither of us is very good at geography, so we just wrote down random countries, no idea where some of even are, just wrote them down. Found a little site, you plug them all in.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">And I was looking every room. I was researching. Oh my God, this is going to be the view. And this one we get to have, uh, breakfast outside. And we\u2019re almost living it before we ever got on a plane. And so we got to live it multiple times. The first time, together, discovering it, discussing it, getting excited about it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">That was number one. Number two, getting there. We got to live it again. Oh my God, it\u2019s even better than we thought. They have this thing over here. That\u2019s number two. And number three was looking at the photos afterwards. We got to live it three times. So many of us skip right to number two, but we don\u2019t realize that actually some of the most meaningful things are before and after.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">And so my dream for your daughter, who I hope is listening right now, is to know that if you want to get that VR headset, you can get the headset. Might take some time. You might have to get creative with how much you earn. You might want to ask your parents if there\u2019s a way to earn some extra money. There\u2019s lots of ways. But you can dream and create your vision for it, and enjoy it almost as much as getting it. And that is a skill that will come to serve you for the rest of your life.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Some of the longer term ones could be going on a family trip. Gosh, this is going to take us two years, but every single month we are all going to put a little bit in here together. And what are we going to do? We\u2019re going to decide together. Do we want to go here? Do we want to go there? Okay, we\u2019re going to go to this place.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">What do we want to do the first day we get there? Same as my wife and I did with our honeymoon. Creating that culture, modeling it. Not just letting them hear some guy on a podcast, but actually modeling it for them. Wouldn\u2019t that be amazing?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:18:25]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:18:26]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0How do you think your daughter\u2019s going to take that lesson?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:18:33]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0I hope that she takes it in, and really integrates it, and feels it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:18:36]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. It\u2019s hard at 12 sometimes. You want it now. I get it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:18:43]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0And she\u2019s got a big heart, and she wants things for other people too.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:18:47]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Can you model what being patient looks like for your daughter?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:18:54]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. I\u2019m envisioning that now and what that could look like. I think it would be really letting them feel cozy, and happy, and good here where we are.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:19:07]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0How would you do that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:19:09]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Pouring a lot of love into their room. Letting them change it up a little bit. Fixing up some of the things that have gone old. Um, letting them take some ownership of some of those changes because they\u2019ve gotten older.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:19:24]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Here\u2019s a $100. I want you to decide how you want to make this room amazing.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:19:30]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0See, that would be really fun.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:19:32]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And where would that a $100 come from?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:19:37]\u00a0<\/span><b><span data-contrast=\"none\">Jennifer:<\/span><\/b><span data-contrast=\"none\">\u00a0Our guilt-free spending.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:19:39]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Exactly. The money that is spent mindlessly on Grub hub can be used to create a magical room for the kids, but more importantly, to totally recalibrate your relationship with them and teach them a lifelong lesson about money.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:19:55]\u00a0<\/span><b><span data-contrast=\"none\">Narration:<\/span><\/b><span data-contrast=\"none\">\u00a0[Narration]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:19:59]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Very, very interesting episode today with Jennifer and Andrew. I\u2019d like to read you their follow ups that they send me. Take a look. Jennifer said, \u201cWhat I found most surprising was how comfortable we had gotten in our dynamic of Andrew passing the ball to me and then me responding by simply just doing everything for everyone.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u201cThat is not the kind of person, wife, or mother I want to be, and I saw clearly how it had disempowered my husband. Without clear and concise communication, we can\u2019t be partners and make decisions together.\u201d Her major takeaways. \u201cI really understood the need for being clear and direct as well as slowing down and giving room for Andrew to offer his ideas.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u201cMy hope for our call was for Andrew and I to be a team. Last night, we were incredibly busy. We knew we needed to update the CSP for you and get ready for the week. Without being asked at all, Andrew planned out and made dinner for the family. With that off my plate, I was able to take the dog for a walk and then sit down at the table and talk about our CSP together.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u201cIt was the most relaxed, fun, and mature conversation we might have ever had about our finances. I feel excited for the future, and we have truly begun a new chapter of our lives. We didn\u2019t get deep into it during the call, but today is the exact five-year anniversary of my leukemia diagnosis, and I want to acknowledge how grateful I am to you for the role you\u2019ve played in helping me to heal a part of my life that has felt very confusing and difficult.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u201cI had a bone marrow transplant that same year I was diagnosed. While I was living in the hospital in isolation, I was looking ahead to the life I wanted to live, and I knew that finances played a big role in that. I read your book when I got home with the intention to make big changes in my life. One big piece of the puzzle that was missing, for me, was doing this with Andrew. \u201cI didn\u2019t feel like I had the knowledge or words to get us on the same page, and suddenly we are. I can\u2019t adequately express what that means to me or how that feels. Thank you.\u201d<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Andrew says, \u201cThe thing I found most surprising was how ineffective our communication had become, and that we both believed we were talking effectively to each other. My major takeaways were that we need a visual for our money and how we plan to use it that we can both understand and relate to.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u201cThe gardening visual is a tool that both of us can see easily and clearly. We also need to stop tiptoeing around what needs to be said and say it. Both me and Jennifer need to share the load and not fall into old patterns that we had from past experiences. We need to celebrate our wins with each other and not just relive and rehash the struggles we had earlier in our relationship.\u201d<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;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 give a big thank you for everyone who listens and watches this podcast. Please go to YouTube and follow us there. Follow us on Spotify and Apple as well, and get on the newsletter on my website and all social media because we post different clips and different material from all of the I Will Teach You to Be Rich philosophy. I\u2019ll see you next week.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; Jennifer and Andrew are in their 30s with 2 kids. They have been married for 11 years, but they speak different languages when it comes to money, deeply stuck in scripts from contrasting family backgrounds. Can they learn to come together in joy for the sake of their family?\u00a0 This episode is brought to [&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-119128","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\/119128","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=119128"}],"version-history":[{"count":0,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/119128\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media?parent=119128"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/categories?post=119128"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}