{"id":119132,"date":"2023-03-14T14:35:30","date_gmt":"2023-03-14T18:35:30","guid":{"rendered":"https:\/\/www.iwillteachyoutoberich.com\/?p=119132"},"modified":"2025-04-07T10:35:23","modified_gmt":"2025-04-07T14:35:23","slug":"86-darby-kirsty","status":"publish","type":"post","link":"https:\/\/www.iwillteachyoutoberich.com\/86-darby-kirsty\/","title":{"rendered":"Episode 86. \u201cI make $450,000\/year from YouTube. My husband is ashamed he can\u2019t match my success\u201d"},"content":{"rendered":"<p><iframe title=\"\u201cI make $450,000 on YouTube. My husband is ashamed he can\u2019t match my success\u201d\" src=\"https:\/\/www.youtube.com\/embed\/w-ri67cIqM4\" width=\"100%\" height=\"400\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p><iframe style=\"border-radius: 12px;\" src=\"https:\/\/open.spotify.com\/embed\/episode\/4Ye242CmrMgS2UD2hT04KM\" width=\"100%\" height=\"352\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<p aria-level=\"4\">Darby and Kirsty, 27 and 25, are professional YouTubers. While Kirsty\u2019s art tutorial channel explodes in profitability, Darby\u2019s efforts lag behind in viewership and earnings, creating a stark contrast in their money dynamic. He feels he doesn\u2019t deserve comfort. She waits for her success to vanish.<\/p>\n<p aria-level=\"4\">This episode is brought to you by:<\/p>\n<p aria-level=\"4\">BetterHelp | Visit\u00a0<a href=\"https:\/\/betterhelp.com\/ramit\">betterhelp.com\/ramit<\/a>\u00a0today to get 10% off your first month.<\/p>\n<p aria-level=\"4\">DeleteMe | Offer for IWT Listeners 20% off all plans with the code RAMIT or go to\u00a0<a href=\"https:\/\/joindeleteme.com\/ramit\">joindeleteme.com\/ramit<\/a>.<\/p>\n<p aria-level=\"4\">Babbel | Right now, when you purchase a 3-month Babbel subscription, you\u2019ll get an additional 3 months for FREE. Go to\u00a0<a href=\"https:\/\/babbel.com\/\">Babbel.com<\/a>\u00a0and use promo code RAMIT.<\/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:\/\/amzn.to\/3j6Tmuf\"><span data-contrast=\"none\">Get my no-numbers journal<\/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:\/\/start.growthlab.com\/double-engine-growth\/?_pt=Social&amp;ud=47&amp;sales_channel=podcast\"><span data-contrast=\"none\">Sign up for Double Engine Growth<\/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\/1sdNy6LLt8kwVwPf8OLnv0R2re434ZaTt\/view?usp=sharing\"><b><span data-contrast=\"none\">Download the full transcript PDF<\/span><\/b><\/a><span data-contrast=\"none\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&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\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0I started my channel eight years ago, but really the money started coming in the last two, three years. It\u2019s been a big jump. I remember my first year, it was 20,000 for the year, and then it jumped to a 100, and it jumped to 250, and then to 450, which it\u2019s at now. And I\u2019m imagining it might double this year.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:00:20]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0At the moment, I haven\u2019t achieved anything. So to\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:00:24]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You haven\u2019t achieved anything\u2013 can you finish the end of that sentence for me?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:00:28]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Success-wise, career-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\">[00:00:31]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Career-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\">[00:00:33]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/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\">[00:00:35]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0There\u2019s other things in life besides career. You have achieved other things.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:00:39]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0There is\u2013 I am a very proud person. I\u2019m very ambitious. That\u2019s not my life. I\u2019m to be a househusband all my life. I\u2019m not just going to be that person. to live a successful life.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:00:54]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And successful means what?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:00:58]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, I\u2019m not sure.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Narration]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:01:06]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Meet Darby and Kirsty. Darby\u2019s 27. Kirsty\u2019s 25, and they\u2019re YouTubers with one of the most drastic differences in income of any couple we\u2019ve seen here on this podcast. Now what\u2019s fascinating is that they did not really grow up with a lot of money, but now that she is making it, there seems to be a lot of disagreements about how to 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\">Darby feels like he\u2019s not contributing. Kirsty is paralyzed into over saving and worrying that it all might end soon. As you listen to this podcast, I want you to think about how the numbers can change in your financial life but your money psychology does not automatically change as well. And of course, I\u2019d like to invite you to go to YouTube, search for Ramit Sethi so that you can watch this full episode. Make sure you hit follow or subscribe there because I\u2019d love to keep sending you more and more of our future episodes. I\u2019m Ramit Sethi and this is I Will Teach You to Be Rich.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;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\">[00:02:06]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0A couple weeks ago I was just looking it up, we were thinking about having a weekend away, our first weekend away from the kids. Um, and I was just looking for a nice spa break. I thought it would be nice for us to have a bit of time just to relax because the kids have been stressful. We\u2019ve got a one and two-year old, and it\u2019s been chaos.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;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 I found a nice place just for a couple of nights and yeah, I got my phone, I went to show it and it\u2019s like he wasn\u2019t really interested in looking at the phone and it was\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:33]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What did you say? What was your first few words that you said to 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\">[00:02:37]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0I think it was like, \u201cOh, I found somewhere really nice for us to go for a weekend,\u201d or something like that. Or, \u201cI\u2019m really excited. I found this place that I think looks great.\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\">[00:02:47]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And when was the moment where you realized he was not reacting the way you thought he would?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:52]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, probably just after I said 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\">[00:02:54]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Immediately.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:55]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0It was like\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\">[00:02:55]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Immediately, 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\">[00:02:57]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:57]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, how much does this spa 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\">[00:03:00]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, it was for two or three nights. It was about, uh, two, 3,000 altogether.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:03:05]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So what did you do? Did you just keep going with the pitch?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:03:10]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0I read the room and I suppose I got a bit sad and we stopped talking about it right then and brought it up later in the evening and I was like, I was really excited about it and you made me feel like\u2013 I thought you would be excited about it. And I was bummed out that you weren\u2019t. And I felt like it was just a no-go 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\">[00:03:34]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Wow. Are you two in therapy 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\">[00:03:39]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/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\">[00:03:39]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s very sophisticated. I mean, it\u2019s very impressive. You read the room, you paused, then you came back later, you expressed how you had felt and you asked a question. I mean, this is A plus. It\u2019s amazing. Okay, so what happened 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\">[00:03:57]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, do you want me to carry on or Darby?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:03:59]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, 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\">[00:04:01]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, Darby explained to me why he felt that way and explained that it was because where he\u2019s at with his business, not making any money and not seeing any growth on YouTube, he feels like going to a spa and just sitting and doing nothing for a weekend, he feels like, what has he done to earn that or deserve 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\">And I think for Darby it\u2019s more, it seems to be around taking holidays. I think it\u2019s more, I can\u2019t take the time off or I don\u2019t deserve to relax or have a break because what have I done to deserve 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\">[00:04:34]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. So what did you do once he explained 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\">[00:04:38]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, I listened more. I mean, I said it doesn\u2019t have to be this place. We can go somewhere you feel a bit more comfortable with, do something else, and yeah, I suppose I tried to see because he then said, I don\u2019t think you really understand how I feel and the shame he feels about not earning. And I just tried to listen to how he was feeling and, um, I saw it in a new 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\">I hadn\u2019t really thought about how he felt in that way until then, and I got it a bit more. And so I didn\u2019t push it because I knew he was feeling uncomfortable about going to these really fancy places. He didn\u2019t feel like he\u2019d fit in and that\u2019s right to be in those places yet.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&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\">\u00a0Okay. And are you going to go to the spa?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:05:30]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/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\">[00:05:31]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Darby, I want to hear your perspective. So she came to you, she\u2019s got her phone in her hand. What do you remember about that conversation?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:05:38]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. So yeah, she came into the room, she was super excited. Um, I think Kirsty knew that I was going to say no. She was trying to say it in a way, it was like, please don\u2019t say no. Because she deserves that trip. Um, but it\u2019s just like, well, I don\u2019t, and I think the difference is if it was a spa that\u2019s down the road, then I\u2019d be cool with that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">But the fact that she\u2019s found one of the best European spas possible, it\u2019s one of the best ones around the world and it\u2019s in Switzerland, and it\u2019s going to be lovely and perfect, and it\u2019s just like, well, I\u2019m earning no money. Does someone who earns no money go to the best spa in Europe? No, they don\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\">[00:06:28]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Hold on, hold on. Is that 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\">[00:06:31]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Which part?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:06:32]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0The part that, does someone who earns no money go to the best spa in Europe?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:06:38]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, I don\u2019t know, but in my case, I don\u2019t deserve to go on that trip. I haven\u2019t earned that trip. I wouldn\u2019t feel as lovely as it would be. And obviously I would enjoy it because I enjoy going to spas with Kirsty. I couldn\u2019t sit there and fully relax and enjoy it because it\u2019s like, what am I relaxing about?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">If I\u2019m there in a lovely sauna in the Swiss Alps, it\u2019s like, why am I sweating out in the Swiss Alps? Why am I here? I\u2019ve got better things to do. I\u2019m not comfortable with my current situation. I don\u2019t wake up. I\u2019m not fulfilled. So why am I\u2013 how can I sit and relax and\u2013 as far as to, it is like a reward. It\u2019s like you are calling down your, um\u2013 it\u2019s like a\u2013 yeah, it\u2019s a re reward after you\u2019ve done something, and I haven\u2019t done anything, so I shouldn\u2019t be 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\">[00:07:39]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0I disagree a bit because even though you may feel like you don\u2019t deserve it in terms of work, for the last two and a bit years, we\u2019ve had a very stressful full-on life with two kids and you\u2019ve done a great job at being an amazing dad and there\u2019s been a lot of workload associated with looking after the two children. So I feel like you deserve those few days of rest from a stressful life of looking after the kids.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:08:08]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. But everyone does that. People always do that. That\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\">[00:08:13]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So let me try to understand the rules here because it seems like there\u2019s a lot of invisible rules here. I like to just get them on paper. So in order to go to a spa, it\u2019s okay if it\u2019s down the road, it\u2019s not okay if it\u2019s in Switzerland. In order to go to a nice spa, you have to be able to have earned the money to go there. In order to go to a nice spa, parenting doesn\u2019t really matter because every parent does that. Any other rules that are implicit?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:08:46]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, can I bring up another thing implicit?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:08:47]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, hold on. Oh, yes you can, but just let\u2019s get the rules out on the table. Darby, you seem to be the rule keeper. What 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\">[00:08:56]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0I just want to feel like I\u2019ve deserved it.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:09:00]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What about your partner? What does she deserve?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:09:03]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, Kirsty deserves 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\">[00:09:04]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So should she go 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\">[00:09:07]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, if she wanted to go alone, she could go alone, but she doesn\u2019t, obviously. Why would she want\u2013 it is spas for partners and, um, I know she\u2019d want to take me. Um, but I guess that\u2019s one of the reasons why we\u2019re here because we\u2019re in two very different places and, yeah, we don\u2019t know how to navigate situations 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\">[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\">[00:09:32]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0This spa scenario gives us a very rich example of their money dynamic. I love Darby\u2019s examples because most of us have money beliefs that fall apart upon the simplest of inspection. He believes you have to earn lots of money to go to a nice spa, but I bet you half of the people at that nice spa don\u2019t even have a 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\">So think about what deep, invisible script you have about money, and give yourself the chance to interrogate them. Hey, I believe all rich people are evil. Why? Why do I believe that? Where did I learn that? Who told me? These are of course exercises that I cover in my journal if you need a little help. Let\u2019s keep listening in, and I should note, again, that they are in their 20s, which is very helpful to remember as we go 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]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:10:20]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0I was going down another path but decided to quit uni and pursue YouTube and it grew so fast. And since launching courses and building my email list, it\u2019s just doubled each year and it\u2019s got to a point where I don\u2019t how to manage it and I\u2019ve got no one around me that\u2019s in this situation. So I feel a bit lost.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Your YouTube has grown. Are you the primary earner in the 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\">[00:10:47]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Sole earner.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:10:48]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Sole earner. Okay. And, um, is that all coming from YouTube?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:10:54]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, it\u2019s mainly coming from course sales.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:10:56]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Course sales. Okay. Got it. All right. Oh, congratulations. Uh, how fast did that happen?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:11:03]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0I was tutoring for a little bit at my old school, so that\u2019s the only real job that I had. And that was just at my old school, so it didn\u2019t really count.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:11:13]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Counts to me. How much were you making?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:11:16]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, after tax, about\u2013 well, before tax, about a 1,000 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\">[00:11:22]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Whoa. How did you survive?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:11:25]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0I was living at home.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:11:26]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Ah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:11:27]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0I was only 18 at 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\">I started my channel eight years ago, but really the money started coming in the last two, three years. It\u2019s been a big jump.\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\">[00:11:35]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Got it, got it, got it. Okay. And then you\u2019re doing this YouTube thing and then it started to blow up and you started to just\u2013 you went from a 1,000 a month to 35,000 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\">[00:11:47]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/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\">[00:11:48]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s a big 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\">[00:11:49]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. That\u2019s average. It\u2019s weird because some months are like 20, one month was 170. That was a launch month. But yeah. I remember my first year, it was 20,000 for the year, and then it jumped to a 100, and it jumped to 250, and then to 450, which it\u2019s at now. And I\u2019m imagining it might double this year based on\u2013 and I\u2019ve been doing double engine growth, so I\u2019ve got a new 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\">[00:12:17]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, good. Yeah, that\u2019s one of our advanced programs. That\u2019s awesome. So congratulations. You\u2019ve done amazingly well.\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\">[00:12:25]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Kirsty\u2019s a member of my double engine growth program, which helps you grow your existing business. I\u2019ll throw a link in the show notes for any business owners who want to take their business to the next level.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;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\">[00:12:36]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So you\u2019re making all this money, Kirsty, you\u2019re the sole earner in the relationship. Darby, you have a YouTube channel as well. How big is the channel? How much is it making?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:12:47]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0At the moment it\u2019s earning nothing. Um, and it may be an excuse, but a lot of that has just been because we\u2019ve moved house two or three times and we\u2019ve had two kids in between them, between those years. Because we\u2019ve decided, because Kirsty\u2019s doing so well and, um, because she\u2019s the sole earner, with any, um, situation where I can help her, support her in the pregnancy, support her with the kids, uh, if she\u2019s got a busy few months coming up, getting courses out, I\u2019ll take the extra load with the kids and get everything sorted to allow her to, um, continue with the business. Um, I\u2019ve done 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\">[00:13:27]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Got it. Okay. That helps me understand. How do you feel about supporting Kirsty in her business?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:36]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. That gives me fulfillment. Um, I love being able to support her, um, with the kids because not only is it the right thing to do, but yeah, it\u2019s what I want to do. But I am a very proud person. I\u2019m very ambitious. As much as I\u2019m happy to do that, that\u2019s not my life. I\u2019m not going to be a househusband all my life. I\u2019m not just going to be that person.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;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 have my own business. I want what Kirsty has. Um, and she\u2019s a big inspiration to me and we support each other. We work with each other all of the time, every single day, because we work at home. Um, she wants that for me. I want that for myself. And yeah, I\u2019m very committed to that. I want to be proud of myself. I want to be proud of myself. I want to live a successful 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\">[00:14:37]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And successful means what?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:40]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, I\u2019m not sure. Um, I guess I want to exceed expectations of 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\">[00:14:56]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Whose expectations?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:59]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Maybe family\u2019s. Probably what I would imagine\u2013 I guess what I imagine old school friends would think or things 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\">[00:15:10]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Should I just get the truth? Kirsty\u2019s over here with the most evocative facial expressions I\u2019ve ever seen. Look at that. She\u2019s taken in a sip of water. She\u2019s gearing up to just spill it. Go ahead. Tell us, Kirsty, whose approval is he looking for?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:25]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Family\u2019s, parents\u2019.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u00a0I think it\u2019s more because he feels like as a child everything was either done for him or he didn\u2019t have to try very hard for anything. So now he wants to show that he can do it on his own and that, um, yeah, and that he doesn\u2019t need anyone else to help him. He can do it because I think he feels like he lived quite an entitled life even though his family wasn\u2019t rich on anything. He was very comfortable, and now he wants to prove that he can do it himself. That he doesn\u2019t need 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\">[00:16:02]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0And also I think he feels that because he\u2019s been doing it for three years and his family will ask, how\u2019s the channel go in? And it\u2019s like, is it bringing\u2013 does that video\u2013 those views, does that bring any money? And he\u2019ll say, \u201cNo.\u201d I think he wants to show that, I can do this. He wants to go to them one day and say, yeah, it is getting some money. And yeah, I\u2019ve been speaking to this person, and get their pride, I suppose.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:16:28]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Darby, you agree?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:16:29]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, that\u2019s completely right. Yeah, that\u2019s fine.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:16:34]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Kirsty, what about you? How do you feel about the way that the financial arrangement is working in your 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\">[00:16:41]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Apart from the fact that you see it as my money, I don\u2019t mind being the sole provider. It doesn\u2019t bother me paying for everything. I\u2019m not the type of person that\u2019s expecting Darby as the man to provide. I don\u2019t care about any of that. Um, I just want him to feel happy and fulfilled in himself. And I want him to start earning some money because I know that that will bring some fulfillment to him and he\u2019ll feel, um, like he\u2019s part of it, in that he\u2019s doing something for himself.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:16]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Darby, do you agree with that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:17]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Absolutely. Yeah. It\u2019s became very, very clear, um, to both of us that my own fulfillment with work is a big factor. My happiness seems to be quite tied to that. And maybe that\u2019s a bad thing, maybe it\u2019s not, I\u2019m not sure. But at the end of the day, I\u2019m only going to succeed if I make good videos. If people enjoy\u2013 if I make videos that people want to watch, then\u2013 people on YouTube succeed because they deserve to succeed.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:53]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, hold on. Uh, first of all, I feel very out of my element debating YouTube because you\u2019re the ultimate YouTube 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\">[00:17:59]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/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\">\u00a0I mean, these fucking kids, they just record themselves playing some video game and gets 25 million views. I\u2019m like, I\u2019m going to kill this nine-year kid right now. I spent so long creating this conversation. So how do 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\">[00:18:14]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0No, I feel you\u2019re pain because I feel my videos deserve more love too.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Both of us are so bitter right now and we\u2019re just looking at Kirsty. We\u2019re like, fuck you. How did you do it? We\u2019ll get to that. Look, I understand that you\u2019ve done it before and I understand that you\u2019re on this path. Now I think you should keep doing your YouTube if it makes you happy, fantastic. But that\u2019s actually not directly leading to your goal. And as Kirsty pointed out, even if you achieve that goal, it\u2019s highly questionable if you\u2019re actually going to feel the way you think you\u2019re going to feel.\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\">[00:18:48]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You know how many millionaires I talked to on this, uh, show where they\u2019re like, oh, when I finally have $1,000,000, $2,000,000, I\u2019ll feel safe. And then I go, you\u2019re never going to feel fucking safe. Then I bring on something with $10,000,000 and they\u2019re like scrounging in a garbage can to find blueberries. I go, oh God. Have you ever heard those 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\">[00:19:07]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/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\">[00:19:08]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0But different.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:19:10]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0We\u2019ve seen those podcasts. 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\">\u00a0Is anything striking you here, Darby, as I talk 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\">[00:19:19]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. It hurts to hear. However, uh, I\u2019m not going to quit. I\u2019m not going to quit because I believe in myself and I want it. This is the path that I\u2019ve picked myself. This is what I want to do. This is what I want to do with my life. And I believe I can do 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\">If in the next five, 10 years I do start seeing success, and we spoke about it, even just, I don\u2019t know if I start to earn, let\u2019s say 50 grand a year in the next five, 10 years, I think that\u2013 I believe that\u2019ll make all the difference because I\u2019ll see a lot of fulfillment in earning that amount of money because I don\u2019t compare myself to you. I\u2019m not comparing. I don\u2019t need to earn as much as you to be fulfilled. I just need to earn a little bit, enough.I\u2019ve got a letter in this desk drawer, a letter to myself saying that I\u2019ll open when I\u2019m 35 years old. Um, and that\u2019s the goal I\u2019m working towards a 100k by 35.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:20:34]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0When did you send that letter to yourself?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:20:38]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0About two years ago.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:20:39]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:20:40]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, yeah, 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\">[00:20:42]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What would happen if you opened it at 35 and you achieved 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\">[00:20:47]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0I believe I\u2019d be extremely fulfilled and happy and it\u2019d just be massive respect. I\u2019ll just give myself so much respect and love knowing that I\u2019ve put my mind to something, I\u2019ve worked hard and I\u2019ve achieved it because at the moment I haven\u2019t achieved anything. So to\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:09]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You haven\u2019t achieved anything\u2013 can you finish the end of that sentence for me?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:13]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Success-wise, career-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\">[00:21:16]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Career-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\">[00:21:18]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/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\">[00:21:20]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0There\u2019s other things in life besides career. You have achieved other things.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:24]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0There is, but\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\">[00:21:25]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Like, uh, the relationship that I\u2019m looking at, the kids, the house, again, not the car, but everything 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\">[00:21:35]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. And that\u2019s amazing. I\u2019m so grateful for that. Kirsty and I have been together 11 years.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:45]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Wow.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:46]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, we got together at school, um, and everything outside career-wise, my life\u2019s just been so easy. Everything\u2019s just flowed so nicely. I married the girl I met at school and she so happened to become nearly a millionaire. I\u2019m incredibly lucky.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&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\">\u00a0You want to do something 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\">[00:22:10]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/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\">[00:22:11]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I got you. I hear a lot of my younger self in you. The idea of driving myself, pushing myself, of setting these, uh, internal goals like, when I do this, then I will get that. I hear that, and a lot of it rings true with me. It pushes you, it keeps you sharp. I will say the one difference is that when I created those rules for myself, I was single.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">I don\u2019t know how those rules would\u2019ve stood up in a relationship, especially if there was a dichotomy in an earning. That\u2019s your situation, and that\u2019s one of the reasons that I\u2019m really delighted to get a chance to talk to you, because I want to see how these rules are stacking up in this relationship. It\u2019s not just one, it\u2019s two of you.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[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\">[00:23:00]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Many of us create these rules for ourselves, these goals, these timelines. I want to live in New York in my 20s. I want to be married by 30. I want to have a million dollars by 35. Whatever the rules are, adapt them for your own life. You know what I\u2019m talking about. I actually think these are 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\">I love any example where people are intentional with their lives. But I do think that as we change the season of our lives, our goals should change. That\u2019s normal. So I\u2019d like to issue a challenge for you right now. What\u2019s a goal you used to have for your life that you are ready to put aside? Something you used to think, I need to do that, and now at this point in life you realize, that\u2019s actually not a goal of mine anymore. That\u2019s question one. Question two is, what can you replace that goal with that is more meaningful to you 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\">[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\">[00:23:51]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0It\u2019s not just 50k because you don\u2019t really care about the money. It\u2019s just that\u2019s the number you think shows that you\u2019ve gained some success at the YouTube 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\">[00:24:00]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Is that true, Darby?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:24:02]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Absolutely. It\u2019s not the money at all. It\u2019s what I know what that 50k represents in terms of success on YouTube. Um, and 50k, that\u2019s like at that mark of five. That\u2019s not what I want to\u2013 that\u2019s not what I believe my potential is. I\u2019m very ambitious. I want to go a lot, lot further.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:24:27]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. What is the cost of that belief?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:24:32]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0At the moment, I guess, yeah, it\u2019s caused\u2013 yeah, at the moment that belief is causing all the problems that we\u2019ve discussed.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:24:43]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What if you find out you\u2019ve created all these rules for yourself and they\u2019re just totally the wrong rules to play the game of life by?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:24:51]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m open.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:24:53]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0The rules that you are telling me, they\u2019re rules you\u2019ve made up in your head and they don\u2019t necessarily make sense to me. These rules of I need to deserve to go somewhere, uh, like a spa, even though my spouse who I support by taking care of our children, and I\u2019m sure I supported in many other ways, even though my spouse has done incredibly well financially and wants to take both of us, I don\u2019t yet deserve 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\">[00:25:25]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Then another rule you just said is, I need to earn roughly 50k but it\u2019s got to be in this extremely narrow, specific way, which by the way, has not been working for the last three years. I don\u2019t think this is the one thing in the whole world that will make you feel fulfilled. And I think if you just keep\u2013 I mean, it\u2019s important not to quit, but it\u2019s important to know when it\u2019s been enough time that, okay, this isn\u2019t working.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:56]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. I hear what you say. I hear what you\u2019re saying.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:26:02]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What I want to point out to you, Darby, is that the way you are approaching money is through a certain set of lenses that you think are totally normal because you\u2019ve been wearing those lenses for many years. But if you were to actually take those lenses off and put on a different pair, you might see things completely differently.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u00a0I have a scenario I would like to throw out to the two of you. Let\u2019s say that I got married and I was making a lot of money and my wife was not, and she stayed home with our two kids, and I was the breadwinner and she stayed home with the kids and we had a great\u2013 it was all good. And I said to her, I would really like to take this trip to go to Italy. What do you think her response would be in this scenario? Kirsty?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:26:57]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, okay, let\u2019s go.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:26:59]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Darby?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:27:02]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m sure she\u2019d say yes.\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\">[00:27:04]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. I agree. Why is it different when Kirsty invites Darby to a spa?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:27:14]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Can I answer this?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:27:15]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Please.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:27:16]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Can I flip it? Because what I see is, so imagine I go, yeah, take me. In fact, let\u2019s go to an even more expensive one and let\u2019s go for longer. Let\u2019s spend all your money on me. In fact, I love clothes. Start buying me designer clothes. I love that. And get the Tesla. The thought of me having that life where, because my wife is successful, she\u2019s spoiling me, or I\u2019m reaping the rewards of her rich life, that doesn\u2019t sit right with 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\">I find that really uncomfortable. If I\u2019m directly\u2013 what\u2019s the word I\u2019m looking for? Profiting is a wrong word, but get if I\u2019m being rewarded just through because she\u2019s doing so well, I don\u2019t like that. Because I\u2019m unfulfilled in what I\u2019m what I\u2019m doing, I can\u2019t accept all those things.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:30]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0That was a very impressive series of spinning. What if we go to the nicer spa, and the Tesla, but that\u2019s not even on the table, is it? It was one spa, which in the scheme of your income is quite modest.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:45]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, we don\u2019t do much.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:48]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0If I offered to take my hypothetical wife, mother of our hypothetical two children, I was the breadwinner, and I said, let\u2019s go to Italy for five days, she would say yes, we wouldn\u2019t even be having this conversation.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[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\">[00:29:03]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0In investing, there\u2019s a concept called inversion. Charlie Munger talks about inverting the way you think about a problem. For example, most people ask, how can I become rich? Charlie says, let\u2019s invert it. How do most people go poor? They gamble, they cheat, they don\u2019t invest. They have high expense ratios. And he just says, let\u2019s avoid 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\">So inversion is a really helpful tool, especially with gender dynamics. I find that to be the case on this show. Because you and I grew up in a culture where we intuitively see certain things as normal. For example, a dad working and a mom staying home with kids. But if we flip that as is the case with Darby and Kirsty, suddenly lots of peculiar dynamics emerge. And so by inverting their scenario, what I\u2019m trying to do here is gently challenge Darby on his views about money and recognize that gender is at least one variable playing a role 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\">[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\">[00:29:59]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0I find it confusing because the spa\u2019s a no-go, but he is completely happy and very excited about us getting a Tesla X, which he will happily drive everywhere.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:10]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What the fuck? Oh God. Let me guess.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:12]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0I know. It\u2019s weird.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:12]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What is it? Oh, the technical specs are so cool, and it has lane assist. One day this fucking crackpot is actually going to do full self-driving. What is it? The features?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:23]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0No, it\u2019s none of that at all. We\u2019ll be taking the kids in it. Obviously, it\u2019s a luxury. It\u2019s a very, very nice car, obviously, however, it\u2019s still just going to be, going to the supermarket and back, and taking the kids places and things. With my imposed rules, when it comes into the family, I guess when it comes with, uh\u2013 when our kids are involved, I guess my rules change a bit. It\u2019s like I have this radar inside. I don\u2019t fully understand how it works, but yeah, that goes through and that\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\">[00:31:01]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Wait, hold on a second. Just to restate what you said. Why are you covering your face? This is funny. Does it feel weird to say it out loud?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:31:13]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0It\u2019s funny because I know it\u2019s, um,\u2013 what\u2019s the word? It\u2019s a bit hypocritical. Yeah. I\u2019m contradicting myself and I don\u2019t\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\">[00:31:22]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0How 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\">[00:31:23]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Because a Tesla X is just as luxurious as a spa, however, I think because a spa is fully indulgent as\u2013 Tesla\u2019s still a car at the end of the day, and we\u2019re still driving it to places we need to go. It\u2019s still a utility vehicle. It still be\u2013 we\u2019ll still be driving it for it\u2019s essential.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:31:49]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What\u2019s the cheapest car that people drive where you live?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:31:56]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, I don\u2019t know, probably the car that we drive, that\u2019s a Ford Fiesta.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u00a0Oh my God, there\u2019s so many Ford.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:02]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0You hate Fords.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:03]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I hate Ford. Why do so many people drive Ford on this show? All right. So why don\u2019t you just get another Ford? I mean, it\u2019s a utility vehicle, 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\">[00:32:13]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, I\u2019m happy to drive this car until it breaks. Um, and if it was\u2013 I\u2019m not asking to get the Tesla. I\u2019m just saying I\u2019m okay with 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\">[00:32:26]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, I\u2019m okay getting a 80,000-dollar car. Anybody? Anybody else? All right.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:31]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0I 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\">[00:32:31]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. It\u2019s actually interesting to hear that your rules are situational.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:38]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0They are situational. 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\">[00:32:39]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. And I hear a lot of commonalities with other people I\u2019ve spoken to where they have certain rules for themselves. Parents love to deprive themselves of stuff. In fact, the spa\/massage is a classic example. But if it\u2019s the kids, they will either do anything for the kids or they will create loopholes so they can justify purchases for their kids. In all the reasoning for your Tesla, and by the way, if you want to get a Tesla and you can afford it, get a Tesla, whatever. But it\u2019s, well, it\u2019s utility. Well, it\u2019s for the kids. Well, I don\u2019t really care, I could drive a Ford. It feels like there\u2019s a lack of coherence as to what you truly want and whether you deserve 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\">\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:25]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, I don\u2019t deserve the Tesla and I\u2019ll happily drive the Ford. Um, but Kirsty deserves the Tesla, and she can drive now. So if she wants a Tesla, she can have a Tesla.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:37]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What if she bought you a Tesla?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:38]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0I would\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\">[00:33:40]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0No, that would\u2013 no, no, no.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:41]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0No, that wouldn\u2019t happen.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:43]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Really?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:43]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0You\u2019d refuse 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\">[00:33:44]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/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\">[00:33:45]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Like for example, his phone broke, so he\u2019s now using a Nokia, a 10-pound Nokia.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:50]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0No. Show me. That\u2019s actually retro. That\u2019s 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\">[00:33:55]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Until I can afford to buy that phone myself, I\u2019ll stick with the Nokia. And if Kirsty was to buy me a new phone, well, it wouldn\u2019t be a problem. She could buy me a new phone every single day for an entire year, but, um, yeah, it\u2019s just like, well, I wouldn\u2019t appreciate it. I want to appreciate it. I want to be able to do something for 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\">[00:34:22]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Can I give another specific example?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:25]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:27]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, we were talking about the Tesla and everything and how that\u2019s okay because the children are benefiting. There is another example where Darby is directly benefiting, but he\u2019s okay with it, and that\u2019s restaurants. He\u2019s happy if we was to go to like a Michelin Star restaurant or a nice restaurant, eating out, you are fine with it. You don\u2019t mind. And that\u2019s something you are directly profiting from and enjoying it, but you\u2019re fine with that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:54]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You know the difference, Darby?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&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\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Please tell me because 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\">[00:34:58]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What\u2019s the difference between that nice spa and a restaurant?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&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\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0To me, the spa is a lot more self-indulgent and relaxing as I know when we\u2019re at a restaurant, we\u2019ll have nice conversations, we\u2019ll be sharing food and I know we\u2019ll be\u2013 it\u2019s like when we\u2019re at restaurants, that\u2019s our time to connect and talk and have nice 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\">[00:35:26]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Isn\u2019t that what you do at a spa?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&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\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. But it\u2019s so much more relaxing. We were already doing the restaurant, so let\u2019s continue doing the restaurants.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:37]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Here\u2019s a question for you, Darby. When you grew up, did you eat out at restaurants?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:42]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/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\">[00:35:42]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm. And did you ever go to a spa?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:46]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0No. If we\u2019re going to spa down the road, I\u2019m cool with that. But it\u2019s that big luxury spa that rich people go to\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:58]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You guys are rich, you know 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\">[00:36:00]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Kirsty 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\">[00:36:03]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Aren\u2019t you married?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:06]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/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\">[00:36:08]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Until you see your finances as a team, you will forever be drifting apart one degree at a 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\">[00:36:17]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay, but Ramit, what I need help with is I don\u2019t know where that healthy balance is, because like I said, that alternative that I shared earlier about me just accepting everything and saying yes to everything, that will just make you feel really dirty and horrible. And I can\u2019t apprec\u2013 it just feels wrong.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:48]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What feels more important to you right now? Is it not feeling dirty by accepting the offers of your wife or the need to keep pursuing this YouTube channel?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:07]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Is that the ultimatum?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:10]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0No. But it\u2019s the two things that are most, uh, at the surface for you. So tell me which one of those is most.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:25]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay, well, on the one hand, with my career, that\u2019s 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\">[00:37:30]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Just say what you want to say. You won\u2019t hurt my feelings.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&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\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0To me, that\u2019s extremely important to me. That\u2019s my fulfillment. That\u2019s my happiness. That\u2019s what I\u2019m tying a lot to having that fulfillment. But then, us going to the spas and things, I know that\u2019s not make or break. Is that make or break for you? I don\u2019t know. Are those things as important to you as my career is to 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\">[00:38:01]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0It\u2019s not about that. It\u2019s about things adding up on one side. It\u2019s not just one spa. It\u2019s the 10th time you reject the spa. And then it\u2019s like, we are not going on vacations or on skiing trips. And then if you are not being successful as well, you\u2019ll get more depressed or, um, more unfulfilled. And then you\u2019ll be even more resistant to, um, anything I offer you because you\u2019ll feel even more, um, unsatisfied with yourself.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:32]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0So do you believe I should just accept everything?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:37]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0I mean, I mean, you know me. It\u2019s not like I go and splurge on loads of things or I\u2019m going to be throwing cash at you. But one holiday or two holidays a year and stuff like that, I\u2019m not saying you can never say no, but it\u2019s about\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\">[00:38:57]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Why is the premise of accepting as if you\u2019re the recipient? Why is that even the premise? I reject the premise. What\u2019s a good model? Because the one you have is like, you\u2019re just this passive recipient. It feels very disempowering to me, Darby.\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\">[00:39:19]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0What do you mean by disempowering? As in because I don\u2019t give myself any power; is that what you\u2019re saying?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:39:24]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Correct. And so you see yourself as this little baby bird with its mouth open. Ah. Oh, I don\u2019t want that spa because I didn\u2019t work for it. Ah. And I\u2019m like, this is a weird ass metaphor for two grown intimate partners who are also parents.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:39:42]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Um, I don\u2019t know. I just find it extremely hard to accept 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\">[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\">[00:39:54]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Notice what just happened. I asked him for another model of how they can be partners and his response was, \u201cI don\u2019t know. I just find this hard.\u201d That comment right there is typical of about 80% of the people I speak to. They will agonize over money. They will worry about it every day of their lives. They\u2019re what\u2019s called problem aware, meaning they realize they have a problem, but when I ask them for a solution, any solution, they fall back on that phrase, \u201cI don\u2019t know. I find this hard.\u201d\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\">Yes, it\u2019s hard. If it was easy, you would\u2019ve solved it a long time. Part of making major changes in life is accepting that this is hard and it\u2019s supposed to be hard. Now let\u2019s get on with 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\">[00:40:39]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Are you scared 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\">[00:40:42]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/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\">[00:40:42]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0No, I\u2019m not. What\u2019d you mean? Kirsty, what\u2019d you mean?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:50]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0What? Why am I scared?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:51]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Why are you scared 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\">[00:40:52]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m always always scared that I\u2019m going to lose it at some 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\">[00:40:57]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Scared of losing 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\">[00:40:57]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m scared of the lack. 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\">[00:41:00]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Not having 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\">[00:41:02]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/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\">[00:41:03]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Were you scared of money when you were making a 1,000 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\">[00:41:09]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0No. So only since I\u2019ve started earning more.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:41:11]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0For a lot of people they have this idea that if they start off a business and it eventually takes off, everything will be great. Is that the case 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\">[00:41:23]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0No, I\u2019m just constantly worried it\u2019ll end.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:41:26]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, really.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:41:27]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/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\">I suppose it\u2019s because I feel so young and it seems like I\u2019m 25 and when I think about 20 years time, I\u2019m like, well, this just seems too good to be true to last forever. And I\u2019m worried about peaking really young.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:41:42]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm. And peaking would mean what?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:41:47]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m worried that I\u2019ll reach this high level of success and it\u2019ll end and I\u2019ll never feel like I can get back to that point. And so I\u2019ll always feel a little bit\u2013 like athletes, I suppose, when they have this big football career and then it ends and maybe feeling dissatisfied and, what am I going to do 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\">[00:42:03]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. All right. You like to worry?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:42:07]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0In other aspects I don\u2019t think I worry a lot at all too. I\u2019m more the carefree I suppose. I don\u2019t know if you\u2019d agree, Darby.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:42:15]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/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\">[00:42:18]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Partner always knows best. Darby does she like to worry?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:42:22]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. It\u2019s in her blood. Her mum is a massive worrier and even though Kirsty compared to her mum looks carefree, Kirsty still worries. 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\">[00:42:35]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What is the cost of, uh, worrying about money so much, Kirsty?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:42:43]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, I think it gives me more stress than I need, and I also think it\u2019s preventing me putting a financial plan in place because I\u2019m worried about doing the wrong thing and losing it that way. So I\u2019ve just left it sitting there because at least I know it\u2019s there rather than making the wrong decision.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:43:05]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Our lifestyle hasn\u2019t adjusted much, especially in those, um, first and in the last three, four years. It has recently as we\u2019ve just recently bought a house. Um, but yeah, our lives haven\u2019t really changed. So Kirsty will say this too, like, all this money that\u2019s been flooding in to her bank account, our lives haven\u2019t changed.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:43:27]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Is that good or bad?\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\">[00:43:31]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, I mean, it was just coming in and it was just sitting in the bank, but if anyone looks at us apart from the house, you wouldn\u2019t think that we earn anything different to anybody else. And I think early on in the first few years of earning it, I like that we saved, I should have invested 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\u2019s a whole different issue. But, um, I think we\u2019re at the stage now where it\u2019s like, okay, we maybe should be spending some of it on doing something fun because I\u2019m seeing a trait in myself where I might be starting to feel a bit, uh, guilty and I\u2019m worried that if I earn even more, I\u2019ll get to the point where, um, I struggle to spend it and it will always feel like, oh, that\u2019s a lot to spend on 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\">[00:44:22]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Hmm. Is that why you reached out now?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:26]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0We reached out now because we started watching the podcast recently and yeah, as soon as we saw that we could apply, we applied.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:34]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Hmm. But why not\u2013 I mean, life is good. You have a, looks like a nice place. You, um, have a lot of money. I guess the one really, truly depressing thing is you drive a Ford Fusion. That\u2019s fucking atrocious. But aside from that, life is pretty good. So why now? This is liable to be a tough conversation. Why talk about this 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\">[00:45:01]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, I\u2019d say because our lives are still moving so, so fast. I guess it\u2019s hard to imagine it slowing down. I definitely imagine Kirsty\u2019s growth to continue. So I guess it\u2019s one of those things where it\u2019s like\u2013 what do they say? The best time to plant the tree\u2019s 20 years ago. Second best time is today. That\u2019s the situation we\u2019re in. It\u2019s we need to sort this out now because it\u2019ll get really bad.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:45:32]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0A bigger problem. 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\">[00:45:33]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/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\">[00:45:34]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. That\u2019s good. I\u2019m glad to hear that. Forward thinking. It\u2019s a good sign. That\u2019s one of the key differences among people who live rich lives and everybody else, is the ability to think ahead and to plan ahead. Even with bad things, it\u2019s like, \u201cHey, we disagree about this. We better sort this out now.\u201d Which of these two issues do you both think are more important? Creating a financial plan or sorting out the way that you talk about money and behave with money 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\">[00:46:08]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0The second one.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:46:10]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019d say the first one.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:46:11]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, that\u2019s interesting.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:46:13]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0second one just seemed like the right 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\">[00:46:15]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, would you two like to discuss 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\">[00:46:16]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes. Sounds like the right answer though.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:46:19]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Because I feel like if we have the second one, we can create the first one. If we know how to talk about money together, then we can talk together to come up with a financial plan. Because it starts with knowing your rich life and you can\u2019t create a financial plan if you don\u2019t know that, and you can\u2019t create the financial plan if you don\u2019t know your rich life because you don\u2019t what your goals are. And to create your rich life, you need to be able to communicate. That\u2019s my thought.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:46:45]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. We have discussed all that, but our main issue is what we were talking about earlier with me not being fulfilled and earning no money and wanting to deserve things, and you wanting to obviously reap the rewards of, um, your success. So for me, I think with the second one, it\u2019s like, I need to start earning money to be able to get over that problem. As the financial plan, we can start creating that straight away.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:47:24]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So what did we conclude just 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\">[00:47:29]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Nothing.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:47:30]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Is this a common thing, you talk a lot but no conclusion?\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\">[00:47:36]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Sometimes. The thing is we do talk a lot though. We are always talking about, um, big important 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\">[00:47:49]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Talking is good, for sure. But also talking can get in the way sometimes of taking action. It\u2019s like, all right, enough fucking talking. What\u2019s the answer? Which I\u2019m still looking for, by the way. Is it one or two? Do you need a financial plan or is it figuring out a way for the two of you to communicate about money? Which one is important?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:48:12]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0The right answer\u2019s number two. Since watching your podcast, we\u2019ve binged a few episodes since we discovered it just over a month ago, and within that month we\u2019ve been having a lot more of these type of discussions and we\u2019ve talked about\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\">[00:48:27]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Not getting very far, are we?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:48:29]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0No, maybe not.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">We do a lot of talking, but no conclusions. It feels like you are now operating with a 50-pound weight vest on your backs. Both of you. You\u2019ve accomplished this incredible thing, but you\u2019re not allowing yourselves to run as fast and as far as you actually can.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;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 part of that I hear are these self-created narratives of, my dad was a provider. Um, I need to deserve it. I need to feel fulfillment before we can go to the spa, etc. And I\u2019m worried about losing money. We talk a lot. These are all narratives. Sometimes narratives are true, but sometimes they\u2019re just stories we tell ourselves. So I can help you get where you want to go, but do you both understand the cost of what you are currently doing? Do you understand the cost of wearing this weight vest around?\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\">[00:49:26]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0I think everything is just going to get harder, more stressful. I feel like we\u2019ll get further apart because what I\u2019m worried about is if you don\u2019t start seeing fulfillment in the next five, 10 years and you\u2019re still waiting for something to validate you before you can enjoy things, and if I carry on growing and wanting to do more fun stuff, I feel like we\u2019ll push further apart. And I don\u2019t want something like money to push us apart because I feel like we\u2019re so strong in other areas and we love each other so much. Just having all of these invisible scripts that you are telling yourself is causing more damage.\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\">[00:50:09]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0It\u2019s interesting to hear Kirsty\u2019s perspective on money, the huge earnings, the feelings like she\u2019s going to peak and it\u2019s too good to be true. What I hear with both of them is that they have not adjusted to earning this kind of money, not individually, certainly not jointly. And a lot of people in this personal finance space have this phrase, \u201cLive beneath your means.\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\">Okay. It\u2019s true, but I don\u2019t think the nuances are often explained. The idea, again, typical of most of the personal finance space, is that if you get a $10,000 raise, you should just save it all. Okay. The idea is if you get a $10,000 raise, I would argue most people in personal finance will tell you to take that money and invest a 100% 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\">They\u2019ll say, live like you didn\u2019t get that raise, and after 30 years you can really enjoy it. Honestly, I hate that idea. I\u2019m much more a fan of creating a rule where you invest, let\u2019s say 80% of that money, but you spend 20% on something absolutely amazing. In other words, live beneath your means, yes, but remember that a rich life is lived today and tomorrow.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;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 why I say that it\u2019s a tragedy to live a smaller life than you have to. They\u2019re making $250,000 a year, but living like they\u2019re making 40,000. They\u2019re making this much money and they can\u2019t even enjoy a spa? When will that change?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;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\">[00:51:35]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0How do you think my wife and I handle it? Because we have a difference in income. Do we have like she\u2019s just accepting or I\u2019m just accepting?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:51:47]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0I am assuming there\u2019s some joint account 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\">[00:51:50]\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\">[00:51:51]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Just communal.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:51:52]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Darby?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:51:56]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, I\u2019m sure it\u2019s like a level playing field in terms of you both decide equally how you should spend and enjoy your 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\">[00:52:07]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And how about in a lot of relationships where one partner is staying at home? How do they do it? Is it the non-earning partner is just accepting everything? How do they do 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\">[00:52:20]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m sure it\u2019s joint also and it\u2019s a discussion 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\">[00:52:27]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right. Can we put on those lenses for just a second and just pretend that that\u2019s how it is in your 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\">[00:52:33]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/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\">[00:52:33]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right. So let\u2019s physically take the lenses off of your face, theatrically. There you go. Very good. All right. Now put these, tell me what those lenses looked like. Just so we all know. Those accepting recipient lenses, what do they look like?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:52:49]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Gray.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:52:51]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0They\u2019re heavy and they\u2019re dark. They\u2019ve a very dark tint.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:52:55]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Very nice. Okay. And what do the new lenses look like? Describe them for me.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:01]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Rose gold and thin frames.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&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\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh.\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\">[00:53:05]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Thin light.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&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\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Light. Okay. Maybe they allow you to see things a little more clearly than the other ones. Okay. Darby, take the lead on this. Just for the next two minutes, we\u2019re going to put these lenses on. Can you put them on for me so I can see?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:20]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, sorry. I forget 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\">\u00a0Very good. They look so fantastic. Okay. Now talk to me about how you would decide on going to a spa.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:33]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Y Me. Um, I would\u2013 yeah, look at our finances, look at our guilt-free spending. We would discuss how we want to allocate 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\">[00:53:48]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Can we just do it right now? So she comes to you, she goes, \u201cHey, I\u2019d really love to go to this spa. It looks so cool. Take a look.\u201d Respond to her, and then the two of you talk.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:57]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Yeah. Hypothetically, look at our guilt-free spending budget. Is this something that we can afford? Do we have the money for it in our guilt-free spending, um, bucket? Are we happy with that? Are we happy to spend that? Yeah. If it fits and there\u2019s still room left for us to continue to spend money on other things that we want, then yeah, we go for it. If we\u2019ve got the money for it, we go for 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\">[00:54:35]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, that sounded pretty cool to 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\">[00:54:40]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, I had those glasses, I remembered.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:54:42]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, it\u2019s amazing what a fake pair of glasses can do. So what did it feel like to 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\">[00:54:51]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Very foreign.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:54:53]\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\">[00:54:58]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t know. Well, first, I\u2019m making, uh, a decision about money that I haven\u2019t earned, and I don\u2019t see as mine. Um, so just making those decisions feels, it doesn\u2019t sit right with 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\">[00:55:18]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You are not making the decision, were you? Who made the decision?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:55:22]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0No, we were making it together, weren\u2019t we?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:55:24]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019d 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\">[00:55:25]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Tell 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\">[00:55:25]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Because that\u2019s what I\u2019ve been wanting. I know we have the money, I know we have, uh, money that we should be spending and that\u2019s why I wanted to find this spa and to enjoy some of it. And obviously the person that I want to do it with is you. And that\u2019s the whole reason I want to do these things and make these memories, is with you. So I would love it if you could just allow us to do some things each year and we build on it and as it gets more comfortable each year we start doing other things and building that in. I\u2019d love that. Made me very happy.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&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\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You know what it sounded like to me? It sounded healthy.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:56:15]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh 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\">[00:56:16]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Healthy. Kirsty is like, holy shit, this business blew up. I had no idea and I want to start leveraging. I want to start using this. I want to do it together. And I can\u2019t. We can\u2019t even go to a spa because of all these stories that you\u2019re living, which you wrote these identities 10 years ago. 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\">[00:56:41]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0I agree.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:56:45]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Everything you\u2019re saying is right. Yeah. So let\u2019s say we\u2019re having this love\u2013 we\u2019re in this lovely surroundings, and I\u2019m relaxing and I\u2019m sat there with my own thoughts and I\u2019m just thinking, I don\u2019t earn anything. I\u2019m in this beautiful place and I\u2019ve achieved nothing. Why am I here? Why am I here? I don\u2019t deserve 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\">[00:57:22]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Can I tell you how I would, uh, interpret 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\">[00:57:27]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/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\">\u00a0I would say this to myself, not to my wife, because I\u2019m not trying to bring this shit up in the infinity pool. I would say, I am feeling a lot of different things right now. On one hand, I feel incredibly grateful that I can be in this place. I never thought I would be able to go to as a kid. They just brought us 10 rounds of different foods out to the pool. I can\u2019t even believe it. It\u2019s amazing. I love that they did this and I love that they put fresh flowers in our room. Oh my God, it makes me feel so good.\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\">[00:58:01]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0But on the other hand, I feel torn because deep down it doesn\u2019t feel like I earned this. I don\u2019t feel like I am living up to the potential that I have, and I\u2019m here because I know it makes my wife happy. I\u2019m hoping to be able to get inspired by where we are so that I can dream bigger. But deep down, I\u2019m not sure if I know how to do that. That\u2019s honest. It acknowledges everything you said, but what does it also do, Darby?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:58:38]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0You said it inspires.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:58:41]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:58:41]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0So it\u2019s motivation to want to eventually be able to come back to this place or come back to another spa and not have that feeling.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:58:53]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And eventually to be able to splurge and surprise Kirsty one day and say, I have something I planned for us. Clear the schedule.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;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\">[00:59:04]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0 Two things I did there. First, I expressed gratitude. So many people are stuck in their own heads with their own stories of how money is supposed to feel, that they don\u2019t even stop to appreciate their partner. It\u2019s rude and it\u2019s lazy. If I had a partner who was stuck in their own head and just kept on trotting out these tired, old stories, that would get really old really fast.\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\">Second, I got vivid with the details. Maybe an infinity pool inspires you. If you\u2019re at a spa, maybe you take note of all the amazing details there. Hey, if you\u2019ve ever watched my Instagram travel stories, that\u2019s exactly what I love to do. If you are listening to this at home, or watching this at home, and thinking about designing your rich life, get extremely vivid about what would be exciting, inspiring, and motivating to you.\u00a0 Now you can try this on your own, or you can get my journal, which will show you the exact questions to design your rich life.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Interview]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:05]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Let\u2019s look at your numbers. I want to talk about that because, Kirsty, I know you had some questions.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:10]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/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\">[01:00:10]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And let\u2019s just walk through it. What do you see under assets?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:15]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0780.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:17]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Say the full 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\">[01:00:18]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0780,000.<\/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\">[01:00:20]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Investments?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:24]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, 33\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\">[01:00:26]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a033,500.\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\">[01:00:26]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0500.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:27]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a033,000. Okay. Savings. Kirsty, can you say this number please?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:32]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. 729,398.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:36]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You have $730,000 in savings? Pounds?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:41]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/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\">[01:00:41]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. That\u2019s weird. And your debt is 615,000. I assume that\u2019s your mortgage.\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\">[01:00:46]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/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\">[01:00:46]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right, fine. Your net worth is 927,000 pounds and you are in your 20s. How do you both feel about that 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\">[01:00:55]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, very proud.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:57]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. It\u2019s an amazing, uh, situation to be in.\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\">[01:01:01]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay, great. I agree. It\u2019s extremely impressive. Nice work. I see one income here. How much is that? Kirsty?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:01:09]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. So the gross is 35,000 pounds 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\">[01:01:14]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Great. And the net is 28,000. That\u2019s 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\">[01:01:18]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/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\">[01:01:19]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So you basically make all this money and then it just goes into your savings account.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:01:23]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0It\u2019s just left in my business account.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:01:24]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, that seems\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\">[01:01:26]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, I just, um, withdraw the amount that gives the lowest dividend tax and then just leave the rest in 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\">[01:01:36]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Your savings are 75%. Holy shit. Okay, let\u2019s not do that. But I get why you\u2019re doing it. And what do you tell yourself about all this 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\">[01:01:48]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, I\u2019m excited when I see it go up, but as it gets bigger, I\u2019m like, I just don\u2019t know how to manage this. I don\u2019t know where I\u2013 I always know that leaving it there, inflation is just going to eat away at it. I know it should be in investments. It\u2019s just figuring out, um, what to invest in and whether it should be through the business or personally or the tax things have got me a bit confused.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:02:18]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. So it just sits 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\">[01:02:20]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/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\">[01:02:21]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay? Fine. Um, your investments are zero. What the fuck? That\u2019s not\u2013 all right. We\u2019ll fix that. Your savings are 75%. Holy shit. You\u2019re probably going to want to keep some of that in your savings because you\u2019re worried about one day your business is going to collapse and all that stuff. Just keep some extra money in there so you don\u2019t have to worry about that 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\">The bulk of it, if it were me, I would invest it. Now a lot of people are really\u2013 you want to. Good. A lot of people are really nervous to put $600,000 at once. That\u2019s understandable. You could drip that out. It\u2019s called dollar cost averaging for 12 months. Just put 70k a month, uh, or whatever amount you decide every month consistently. It\u2019s fine.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Right now your actions are misaligned with how much I see on your conscious spending plan. The way you spend money, the way you talk about money, even the way you think about money reflects a couple that makes about a 10th of what you make.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:23]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m sure. 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\">[01:03:27]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So you\u2019ve made the money, but your money psychology has not gone along with you.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:33]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/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\">[01:03:34]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/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\">[01:03:35]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So what would you like to do? What do you think the solutions are 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\">[01:03:40]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0We do have plans of what we\u2019d love to do. We\u2019ve got some longer term plans. We do want to travel and do stuff like that. Um, we\u2019d also love in the next five years to buy our own skiing cabins somewhere that we can take the kids to ski in the winter and hike in the summer.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:04:03]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Good. I would take the extra money from that guilt-free spending instead of, let\u2019s say, 30%, you want to do 15, I would take the remaining 15, the difference, and I would put it in a long-term savings account. And once that money got to a certain point, you can go and buy your place. That\u2019s how you do 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\u2019s how wealthy people plan for big purchases. It\u2019s not just an intention one day. It\u2019s like, you have the money, let\u2019s start putting it towards it. All right, so every month we\u2019re going to put X thousand dollars. It\u2019s going in our cabin fund, and one day we\u2019re going to have enough and then we go buy the cabin. Done. No emotions, no crying. We did it. It\u2019s done. Simple. Decisive. Can that be one of the new values in your 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\">[01:04:53]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/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\">[01:04:54]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Absolutely. 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\">[01:04:56]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Decisive. Think about how that would flow to so many things. Deciding on the spa, deciding on the YouTube channel, deciding on investing the money. Decisive. Even if you make a wrong decision, you\u2019re smart enough to correct it. There\u2019s very few things in life that you get wrong and you can\u2019t go back and fix.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:05:19]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, that\u2019s very 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\">[01:05:20]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. That\u2019d 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\">[01:05:23]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0It\u2019s exciting to talk about this, isn\u2019t 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\">[01:05:25]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/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\">[01:05:26]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What do you notice about this conversation?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:05:30]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, this conversation feels\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\">[01:05:30]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Feels lighter.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:05:32]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. And this conversation feels different now because we\u2019re actually talking about it like it\u2019s possible and we\u2019re actually going to act on it rather than just talking 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\">[01:05:42]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:05:43]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0And that\u2019s what makes it feel\u2013 that\u2019s the difference, I 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\">[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\">[01:05:47]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Once you learn this skill of talking about money and dreaming about your rich life, it\u2019s actually very common to watch the floodgates open. Kirsty later told me that she wants a personal shopper to refresh her wardrobe. They want to go bigger on Christmas for the kids and their family. They want to spend on a babysitter for more consistent date nights, and the cinema, and the theater. It was actually amazing to listen to. A lot of times we\u2019re afraid to dream alone or with our partner, because it can feel like a failure if we can\u2019t accomplish every single one of those things.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">It\u2019s almost like if we say something out loud, we now feel that we are obligated to do it, and if we don\u2019t, we\u2019re a failure. But I look at it a little differently. I think those are two separate skills. Number one, learning how to design your rich life. And number two, learning how to use your money to live that rich life. It\u2019s perfectly okay if you cannot achieve every single thing on your rich life. The truth is that part of your rich life is the journey of actually creating it. All right, let\u2019s talk about Darby\u2019s YouTube channel and make a plan.\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\">[01:06:51]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So how long do you need to see if this YouTube channel works out?\u00a0\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\">[01:06:57]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, because financially we\u2019re in a good position, so, um, we haven\u2019t actually put a deadline on it, like, when should I move on? Kirsty? What\u2019s my deadline?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:07:13]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Wait, what the fuck? That\u2019s how you make decisions? You ask her say your deadline? No, don\u2019t do it that way. Do it another 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\">[01:07:25]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, well, when I\u2019m 35.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:07:30]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0It\u2019s a long deadline. Imagine how depressed you\u2019ll be if at 35 you have zero views still, and not even monetizing, nothing\u2019s coming in, in eight years\u2019 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\">[01:07:51]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Counter suggest something. Give him a different suggestion. If you don\u2019t like his answer, why don\u2019t you suggest one?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:07:58]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, I mean, I know that the main thing that you want to do is that you like the idea of helping people. So I feel like if in three years\u2019 time of making consistent videos you are really not seeing any\u2013 I know it\u2019s a slow thing. If there\u2019s no traction, then I would suggest looking at alternative ways.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:08:23]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay, great. Now, one of the greatest things I get to do is to, uh, also weigh in on these relationship conversations. So I share what I think, 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\">[01:08:33]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/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\">[01:08:33]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0About this? Three years is way too long. Holy shit. You can\u2019t go three years hoping and praying the God of views is going to bless you. No way. No entrepreneur would just go, I\u2019m going to dedicate my entire life for three years without any measurable milestones. That\u2019s not how successful entrepreneurs work. And just to check this, how many successful entrepreneurs do the two of you 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\">[01:09:03]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0None.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:09:04]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Apart from the person we\u2019re speaking to 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\">\u00a0Thank you very much. And if that\u2019s true, then let me tell you. Three years is way too long. Shrink that. Way shrink, like six months max. Let\u2019s talk about what you need to make this super successful and let\u2019s set out some milestones. I\u2019m going to be your partner, Darby, in this conversation. What milestones do you think, uh, would tell you if you\u2019re on the right track or not?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:09:32]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0For six months\u2019 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\">[01:09:34]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Sure.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:09:36]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, I guess to be earning a 1,000 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\">[01:09:48]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Anything 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\">[01:09:50]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0How many videos? Oh, it\u2019d be one every couple of weeks.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:09:53]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, so that\u2019s one every two weeks? Oh, wow. Okay. And how many views did your last video get?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:10:01]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Like a 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\">[01:10:02]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. How much does your videos need to get, uh, within two 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\">[01:10:10]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, within two months, uh, easily over a 1,000.<\/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\">[01:10:15]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Wow. Okay, good. I like that growth rate. Very nice. Over 1,000. So now you\u2019re laying out month by month how much I want to target. Great. What else? Uh, monetization is the last piece of it. Is there anything else? So one video every two weeks, 1,000 video views after a month. So those milestones feel pretty good. Uh, I\u2019m going to turn to the YouTube expert real quick. Kirsty, are those fair? Are there any other milestones?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:10:42]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. I mean, I am worried that\u2013 I\u2019ve said this to you before, Darbs, that I feel like you don\u2019t like coming into it with a business mindset. So you\u2019re like, I\u2019ll get the views and then I\u2019ll decide how I\u2019ll actually monetize it instead of going into it with a clear idea of how you\u2019re going to make money in it and I don\u2019t think you like thinking about that because you\u2019re not quite sure. Um, and that\u2019s what I\u2019m concerned about say if you get thousands of views and you start getting thousands of subscribers, how are you going to monetize it? You just don\u2019t\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\">[01:11:14]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Let\u2019s just talk about it right now.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:11:16]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/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\">[01:11:16]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Because a $1,000 a month is what he plans to be making within six months. How are you going to make that 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\">[01:11:26]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0That will probably just be from ad revenue.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:11:31]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0That would be a lot of ads. That would be a lot of views to get a 1,000.<\/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\">[01:11:34]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, you\u2019re 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\">[01:11:35]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0A month. That\u2019s like 500,000 views or maybe 400,000 views 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\">[01:11:39]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0You\u2019re right. Yeah. Um, yeah, I mean, we haven\u2019t had these conversations. We haven\u2019t really looked 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\">[01:11:48]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0It\u2019s easy to stay talking about theory, but you could spend the next eight years of your life talking about theory. And if you don\u2019t have real conversations like this, you will wake up at 35 and open that letter in your drawer and you will look at it and say, where did the time go?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:07]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m sure.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;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\">\u00a0So, what do you want to do?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:19]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, I\u2019m not going to quit because I want to\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\">[01:12:28]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0We\u2019re not saying to quit. You just need a plan around how to monetize it, how to be more in control 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\">[01:12:43]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0When I was starting my business, health insurance is very difficult in America to figure out which insurance to get and what does it cover. I had to get my own health insurance, and it was incredibly confusing. I could not figure it out. I\u2019m an educated guy. I just could not figure out what to do.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">So I put out a survey online saying like, is anyone else frustrated with health insurance? And all these people were like, oh my God, I don\u2019t know where to get PPO, and I said, if I created something on this, a guide, would you be interested? And it was 90% of people said, yes, yes, yes. Create it. Please. I\u2019ll buy anything.\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\">We started creating it, and comparing this and really building this beautiful guide. And midway through we tested to see if people would pay something like $50 for it. You know what they said to us? No fucking way. They were like, oh, uh, yeah, I don\u2019t know what health insurance to get and I\u2019m probably going to have to pay $200,000 out of pocket for this thing, but I don\u2019t want to pay for this thing. I\u2019ll just call my broker. I don\u2019t know. Uh, I\u2019ll figure it out later. Uh, all these reasons.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;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 you know what I thought to myself? Thank God that we stopped doing this thing that was never going to work. Because if we had tried, it would\u2019ve been the most depressing way to spend the next five years of our life, building something that we think should be in the world that we can see should be in the world but the bottom line is nobody actually wants it. And so we quit. We quit.\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 thank God we did because closing that door allowed us to open up several other doors where it actually felt easy, where we could actually see people saying, please, yes, take my money. Double engine growth, for example. What did that feel like? That\u2019s an expensive program. Thousands of dollars. What did that feel like to sign up for?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:14:50]\u00a0<\/span><b><span data-contrast=\"none\">Kirsty:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, I didn\u2019t really think about it much.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:14:52]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0There you go. That\u2019s an example of a fantastic customer experience. They go, yeah, I trust this guy. I know his stuff. It\u2019s going to be awesome. Boom. Done. Thousands of dollars. Here you go. Now what if I had been playing small and trying to beat everyone over the head to buy a $50 ebook on health insurance? We would not be 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\">I\u2019m not telling you to quit your YouTube channel. That\u2019s not what I\u2019m saying at all. What I am saying is that the worst thing in the world is for a smart person to go sideways. Meaning they don\u2019t go up. They don\u2019t go down. They just keep hammering at it for years and years. It\u2019s an awful existence.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">So what I like to do is compress the time. Three months or six months, either it starts taking off huge, or we pull the plug, take it out back, shoot it in the head, and move on to the next thing. How do you feel hearing 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\">[01:15:54]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0I like that a lot. I respect you a lot, so I\u2019m really listening intently, and I\u2019ve never had a conversation like this before, so I\u2019m finding it really, really valuable. So I really, really appreciate it. And I think you are right, that in order for me to achieve my goals, having that time constraint to shoot a firework up my ass and get me moving, um, yeah, I think that is really helpful and really important and, yeah, I appreciate that a lot.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:16:34]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I would honestly take that letter and I would fucking rip that thing up and I would do it ceremonially. I would film it. I would do a bonfire outside. I would say, this is my old self who set this rule. It\u2019s not helping you at all. It\u2019s actually keeping you small and the rules you think are helping you are actually keeping you in your own mental prison. Rip it up, burn it, and instead create a new set of rules. What are they? One, I\u2019m going to move fast. Two, I am going to achieve $50,000 a year minimum, even though I know I can achieve much more, but I\u2019m going to do it in whatever form it takes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;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 maybe it\u2019s YouTube, maybe not. I mean, the real question is, would you rather make a $100,000 a year working for an amazing boss, or would you rather make $20,000 on YouTube? These are questions you need to grapple with. And candidly, you\u2019re young, you haven\u2019t known much. We all have these ideas of, I only want to do it this way, but I can tell you what you don\u2019t want to do is keep beating your head against the wall for something that\u2019s not working. This is my opinion, but I believe that you can\u2019t think your way out of this one. Ultimately, you need to start earning 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\">[01:17:54]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/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\">[01:17:54]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Because without it, it\u2019s just rumination day after day. And you used the word unfulfilled several times. You are unfulfilled in part, I believe, because you\u2019ve been trying this thing half-heartedly for a few years. I know it\u2019s only recently you\u2019ve really gone in on it. But that would be frustrating to anybody, and that\u2019s why I\u2019m in such a hurry for you to either make this thing work or to get onto 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\">[01:18:24]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0I see. Okay. I hear you loud and clear.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;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\">\u00a0Cool.\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\">[01:18:27]\u00a0<\/span><b><span data-contrast=\"none\">Darby:<\/span><\/b><span data-contrast=\"none\">\u00a0I want you to know that what you said to me has resonated with me. I\u2019m deeply emotional right now because I\u2019m processing what you said. Um, so it\u2019s not going straight over me. Kirsty and I we\u2019ll sit down and we\u2019ll have these com\u2013 we\u2019ll go through these steps.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:18:45]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[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\">[01:18:47]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0The key lesson of today\u2019s podcast, the key lesson of today\u2019s conversation is you\u2019ve got to be more decisive. Sometimes I talk to people who have been agonizing over the same question. What credit card should I get? Uh, should I get the Chase Sapphire Reserve or, uh, Fidelity? For 15 years. I go, \u201cPick one. Pick both.\u201d We cannot be indecisive, especially on three-dollar questions. So being decisive is a skill that is learned, and beneath this indecisiveness is a fear of making the wrong decision, a fear of being seen as stupid, a fear of not picking the perfect decision, in other words, being a perfectionist.\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\">But what you realize is that perfectionism is really for losers. It is a mechanism that allows us to avoid making decisions and making decisions is where real progress is gained. That\u2019s where we learn. Most decisions are reversible. You picked the wrong credit card? Big deal. Close it. Get another one. There are certain decisions that are really big. Should we have kids? Should we buy a house? Those ones you should be really thoughtful about. But the three-dollar questions, they can become a trap. And so I\u2019d like to now read you the follow up messages that I got from Darby and Kirsty.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:15003381,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Darby said, \u201cAfter our uncomfortable, potentially dream-crushing conversation, the first thing I did the next day was put together a six month plan and a one year financial goal that we both agreed upon and signed. I completely agree with you that without a specific short-term goal, I would just be hammering away at the same thing, but potentially be in the same position I am now at 35 years old with more shame and failure on my shoulders.\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\">\u201cWith this new plan, I\u2019m driven towards a specific goal with the understanding I will find a way to make money if I don\u2019t reach the goal. You\u2019ve helped me realize how much of a restrictive mindset I had and how damaging that was to my career and our relationship.\u201d Fantastic work, Darby. I\u2019m thrilled to get that follow up.\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\">And Kirsty, she wrote, \u201cThank you for shining a light on our lack of decisiveness. We didn\u2019t realize it before, but now we are starting to see how most of the time we talk a lot, but never make a decision. Since the call, whenever we find ourselves talking but not getting anywhere, we just say, okay, what is our decision? I now realize that finding the perfect solution is not as important as finding a good enough solution and actually implementing it. Worrying about not picking the perfect index fund or not being the most tax efficient has made me put off investing for years, even though I really wanted to do it. Your coaching has helped me stop this and start taking action.\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\">Darby and Kirsty also shared a new CSP. Here\u2019s what they decided. \u201cWe will pay ourselves a salary of 300,000 per year. The remaining profit will be invested. We merged Partner 1 and Partner 2 as we wanted to view this as our joint finances. We are putting aside $1,000 to spend on each other for gifts and birthdays and for family. We are putting 20,000 aside for a nice family vacation each year.\u201d And Kirsty added, \u201cI was originally thinking 10k, but Darby said 20K, which I loved.\u201d I want to thank you for listening and for watching. I\u2019m Ramit Sethi, and this is, I Will Teach You to Be Rich.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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; Darby and Kirsty, 27 and 25, are professional YouTubers. While Kirsty\u2019s art tutorial channel explodes in profitability, Darby\u2019s efforts lag behind in viewership and earnings, creating a stark contrast in their money dynamic. He feels he doesn\u2019t deserve comfort. She waits for her success to vanish. This episode is brought to you by: BetterHelp [&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-119132","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\/119132","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=119132"}],"version-history":[{"count":0,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/119132\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media?parent=119132"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/categories?post=119132"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}