{"id":119133,"date":"2023-03-21T14:39:57","date_gmt":"2023-03-21T18:39:57","guid":{"rendered":"https:\/\/www.iwillteachyoutoberich.com\/?p=119133"},"modified":"2025-04-07T10:34:26","modified_gmt":"2025-04-07T14:34:26","slug":"87-kenna-ryan","status":"publish","type":"post","link":"https:\/\/www.iwillteachyoutoberich.com\/87-kenna-ryan\/","title":{"rendered":"Episode 87. \u201cWe\u2019re in $400,000 of debt, but we can\u2019t say no to our kids\u201d"},"content":{"rendered":"<p><iframe title=\"&quot;We\u2019re in $400,000 of debt, but we can\u2019t say no to our kids\u201d\" src=\"https:\/\/www.youtube.com\/embed\/WHjSfWN3_5E\" width=\"100%\" height=\"400\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p><iframe style=\"border-radius: 12px;\" src=\"https:\/\/open.spotify.com\/embed\/show\/11ktWYpzznMCpvGtXsiYxE?utm_source=generator\" width=\"100%\" height=\"352\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<p aria-level=\"4\">Kenna and Ryan are 36 and 45. Up until recently, Ryan worked and Kenna stayed home with their kids. Now, with that earning dynamic flipped, they\u2019re facing new challenges with how they spend and save\u2014especially when it comes to their children.<\/p>\n<p aria-level=\"4\">This episode is brought to you by:<\/p>\n<p aria-level=\"4\">LMNT | LMNT is offering my listeners a free sample pack with any purchase, that\u2019s 8 single serving packets FREE with any LMNT order. Get yours at\u00a0<a href=\"https:\/\/drinklmnt.com\/ramit\">DrinkLMNT.com\/ramit<\/a>.<\/p>\n<p aria-level=\"4\">Sakara | And right now, Sakara is offering our listeners 20% off their first order when they go to\u00a0<a href=\"https:\/\/sakara.com\/RAMIT\">Sakara.com\/RAMIT<\/a>\u00a0or enter code RAMIT at checkout.<\/p>\n<p aria-level=\"4\">Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions \u2013 and manage your expenses the easy way \u2013 by going to\u00a0<a href=\"https:\/\/rocketmoney.com\/ramit\">RocketMoney.com\/ramit<\/a>.<\/p>\n<h2 aria-level=\"2\"><b><span data-contrast=\"none\">Tools mentioned in this episode<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:0,&quot;335559737&quot;:450,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:768}\">\u00a0<\/span><\/h2>\n<p><a href=\"https:\/\/iwt.com\/moneycoaching\"><span data-contrast=\"none\">Get Money Coaching with Ramit<\/span><\/a><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/amzn.to\/3HGwbkK\"><span data-contrast=\"none\">Get my New York Times best-selling book<\/span><\/a><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><b><span data-contrast=\"none\">Show Transcript<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:0,&quot;335559737&quot;:450,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:768}\">\u00a0<\/span><\/h2>\n<p><a href=\"https:\/\/drive.google.com\/file\/d\/1ZlOLyvT_92IQxEE0ZpYqPy-wSfWduBfr\/view?usp=sharing\"><span data-contrast=\"none\">Download the full transcript PDF.<\/span><\/a><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:00:00]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0I lived in a very conflicting house. Money didn\u2019t grow on trees and also can\u2019t take it to the grave with you, so if you have it, you may as well spend it. I just thought I was going to be smarter than my mom, that I was going to do it better than her, that I had read the book or listened to the CD, and that it was going to be different.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0But you only have $50 in savings now.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:00:23]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes. I\u2019m a frivolous spender. I will just buy stuff. Break my back to buy my kids whatever they need.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:00:30]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Because what does it mean to you?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:00:33]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Everything. It means that I\u2019m providing for them. It means that I\u2019m not going to hit rock bottom. I\u2019m not going to fail. I\u2019m going to do whatever I have to. How could you not grind so hard to get what you can for your kids? It\u2019s just so annoying that we even allowed ourselves to get into this position.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Narration]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:00:58]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Meet Kenna and Ryan. Kenna\u2019s 36. Ryan is 45. They have two young daughters and recently bought a house in the Denver area. Now, they have an interesting money dynamic that recently flipped. Ryan used to work long hours while Kenna stayed home with the kids. Now after getting her degree, Kenna is working, making about the same wage, and Ryan stays home.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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 problem is their numbers don\u2019t up. And they have some serious money beliefs that are left over from their childhood. Today\u2019s episode is about money stories, and you\u2019re going to hear exactly what I mean. I\u2019d like to encourage you to watch this on YouTube where you can see the full episode, including their facial expressions and their reactions to some of my questions. It\u2019s quite illuminating. I\u2019m Ramit Sethi, and this is, I Will Teach You to Be Rich.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Interview]\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:01:49]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So who wants to go first and tell me the way that you view money in a sentence or two?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:01:56]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0It\u2019s just a way for me to have fun while I\u2019m living my life.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:00]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0And I feel like I will never have enough.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:04]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Hmm.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:06]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Or anything.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:07]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0They seem opposite, don\u2019t they?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:09]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:11]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0When did you discover that you had different views of money?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:14]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Very early on.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:15]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Do you think so?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:18]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, you were managing the finances prior to us even getting engaged because I\u2019m a sloppy spender.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:24]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And what was the last time the two of you had a specific disagreement about money? Can you remember that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:33]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0I mean, all the time. Like Christmas time, she wants to have a budget, $200 hard for each child. And I\u2019m like, well, what if I see something that I want to get them and we\u2019ve already spent the $200? I should be able to go get that for them if I want. I\u2019m a spender. I\u2019m a frivolous spender.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Hmm. What does frivolous mean?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:54]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0I will just buy stuff.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:55]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh-huh.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:02:56]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Just to buy it. Whatever. Disc golf stuff. I already have everything I need for disc golf. Everything you could ever want, and I\u2019ll buy other stuff. And then it just sits around and I don\u2019t use it, but I have it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:03:09]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. And with that Christmas example, 200 bucks per child, what ended up happening?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:03:19]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0We went over the budget.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:03:20]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:03:21]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Ryan always wins. I have a hard time telling him no, and so I\u2019ll say because he did work so hard for so long that I didn\u2019t feel that it was okay for me to say, you\u2019re working 60 plus hours a week, but no, you can\u2019t spend $50 on disc golf or $50 on Christmas.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:03:40]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Hmm. What was the budget for Christmas this year?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:03:44]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, I would say this last year, $200 per kid, and then Ryan and I didn\u2019t really get anything for each other just because we did overspend on the children.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:03:55]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. And so it was 200 bucks per kid. How many kids?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:03:59]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0We have two kids.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:00]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. And so 400 bucks was the budget. How much did you end up spending?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:05]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0I would say close to 600.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:07]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:08]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0But that was, keep in mind, we had budgets for ourselves as well. For me, for her, and for her, for I, and we dipped into that and took away from our budget to make that extra for the kids.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:20]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm. How old are the kids?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:23]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Seven and four.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:25]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0He used to work. I was a stay-at-home mom, uh, for six years. I\u2019ve managed the finances ever since. We\u2019ve combined finances when we got married. Um, and I\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:35]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Prior to getting married.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:36]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, even prior to getting married.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:39]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019ve been out of the loop on the finances for a long time. I was just working, just making the money, and Kenna was handling everything.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:45]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Let\u2019s walk through that step by step. So you were both earning incomes back then early on in your marriage, and how long were you married before you had your first?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:55]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Three years.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:56]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Three years.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:04:56]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. And how much were you both making collectively in those first three years?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:05:03]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a070,000 maybe.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:05:05]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right, so you\u2019re making 70k. Seems like you could afford to go out, and eat out, and have fun. Fair enough?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:05:13]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:05:14]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. So you got pregnant. When did you have a conversation, if at all, that, ooh, we might need to change the way that we manage our money?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:05:29]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t feel like we did.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:05:30]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, I don\u2019t feel like we did either. I feel like she just took the reins. It didn\u2019t need to be said. We had planned for one of us to stay home with the child, so we knew that was obviously going to chop one of our incomes right off the top. So we went with who was making more money at the time, and that was me. Simple. And she stayed home.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:05:51]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And, uh, that decision about one was going to stay home, was that a financial decision or another reason?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:05:59]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, we didn\u2019t have children for other people to raise them.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Narration]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:06:01]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Notice how quickly that response rolled off Ryan\u2019s tongue, almost like he said it a million times before. File that clue away.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Interview]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:06:10]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Got it. All right. So you\u2019re at home at this point, Kenna, with your firstborn and you\u2019re also managing the money. And when did you start to realize that you needed to tighten things up?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:06:24]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Immediately. So at the time, we lived, um, in a different city, much lower cost of living, moved to a higher cost of living area when our daughter was almost one. And once we moved here, it was, um, it was like we were going paycheck to paycheck. Our house payment almost doubled. Um, so yeah, it was about a year in.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:06:52]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Did you own or rent?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:06:55]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0So when we lived in the low cost of living area, we were renting and then bought when we moved to high cost of living.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:07:01]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Got it. And what was the reasoning behind the buying?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:07:06]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Because a mortgage was cheaper than rent.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:07:09]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Really?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:07:10]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:07:11]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What, uh, what\u2019s the general vicinity of where you\u2019re living?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:07:13]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Denver.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:07:14]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Denver. Okay, got it. All right. So the\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:07:17]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0And still to this day, the cost, I mean, the cost of our mortgage is much cheaper than what we would rent our house for.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:07:23]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Really? Uh, break it down for me because I already have your, uh, mortgage here as $2,073 a month. What would you rent it for?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:07:33]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a025, 26, 27.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:07:36]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Hmm. Okay. All right. Uh, now when I factor in utilities, it\u2019s 2,073 plus $373.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:07:49]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:07:49]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So that\u2019s 2,400 right there.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:07:53]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Narration]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:07:54]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0 Do you see what just happened there? They made the biggest financial decision of their lives and they doubled their expenses. Why? Because they believed it would be cheaper to buy rather than to rent. But in 10 seconds, I just ran some basic numbers with them. It happened so quickly, I don\u2019t even think they realized it. So let\u2019s just pause and go through those numbers again. For them to rent, it would cost about 2,500 bucks. Their mortgage is $2,073.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">So they still believe they\u2019re saving money even though they doubled their previous housing expenses. This is basically how most people think. They look at the sticker price and they go, well, it would cost more to rent, therefore, we are saving money. But once we factor in the utilities that they pay every month, their total housing costs or TCO, total cost of ownership is $2,400.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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 just a hundred dollars less than renting. Again, if you have a simple view of money, you go see, it\u2019s cheaper to own. Let\u2019s go deeper. What about all the phantom costs, including tax and interest on their loan? What about maintenance, including random light bulbs and a roof repair nine years from now, and even the value of their labor?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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 you factor in all those things, it is more expensive for them to own than to rent, but they don\u2019t know that. You have to remember this phrase, rent is the maximum you will pay, and your mortgage is the minimum you will pay. Okay. The real clue here, besides even the housing, is that Kenna and Ryan live their lives by telling themselves simple stories. Sometimes those stories might be true. Other times they are obviously false, but without actually digging deeper into these simple stories, they will be unequipped to understand a very complex world.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Interview]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:09:46]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So you got this place in Denver, you bought it, and you realized that your housing costs and everything else went up. So, uh, Kenna, there you are at home with the baby, managing the money.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:09:59]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0The weeks that we were short, we would get behind because we don\u2019t ha\u2013 at that time, we didn\u2019t have very much savings at all. Um, and then on the weeks that we would get ahead, we would just spend all the money that went ahead instead of saving it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:10:15]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Got it. And what would you tell yourselves at the time? What was the story you told yourselves?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:10:21]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0That. You can\u2019t take it to the grave with you, you may as well\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:10:23]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, who said that? You or you Ryan?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:10:26]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s what I heard growing up.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:10:29]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What a shock.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:10:31]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. I lived in a very conflicting house. Money didn\u2019t grow on trees, and also can\u2019t take it to the grave with you, so if you have it, you may as well spend it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:10:39]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Lower middle class?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:10:40]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. I wouldn\u2019t even say middle. I would just say lower class.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:10:43]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Yeah, yeah. Tell me about it. Was it two parents or one parent?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:10:46]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, so two parents up until I was 12. My dad passed when I was 12. Uh, but my mom was a stay-at-home mom that whole time, and my dad worked construction.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0He worked construction. Okay. And so he worked, what do you remember about the rituals of money in your household?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:11:01]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0So I never remember any positive discussions about money. There were lots of fights about money, and I remember anytime I would ask for anything, um, it always seemed like they said no.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">So I started working when I was 14 so that nobody could tell me no.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:11:18]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Yeah. How dare you even ask. That\u2019s not the type of people we are.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:11:23]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Pretty much.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:11:23]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What else do you remember about the rituals of money growing up?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:11:28]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, so I remember lots of past due notices getting sent to our house. I remember cars being repossessed. Um, borrowing, having to call family and friends to borrow money. Um, my mom asking me to borrow money once I started working.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:11:45]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Wow. Okay. And how do you feel about money between, let\u2019s say, being a young child and, uh, 16, 18 years old? How were you feeling about it?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:11:56]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0So when I was really young, it wasn\u2019t fair. I was jealous of my friends who got to go do things, who got new pairs of sneakers in the middle of the school year. Um, there was a lot of jealousy. And then once I was able to work for myself, I wanted more money. I wanted to just work as much as I could because I wanted more money, and also because I just didn\u2019t want to be at home. Um, yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:12:21]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And you mentioned that your dad passed away when you were young.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:12:24]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:12:25]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What effect did that have on your relationship with money?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:12:29]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, I don\u2019t really know because my mom went into hiding, I guess. I had to\u2013 I have a younger brother and sister and so I had to step up and do the laundry and feed them dinner and make sure that they were up and ready for school. My mom didn\u2019t start working immediately after. I don\u2019t know. I don\u2019t think it changed it. I definitely didn\u2019t have any more positive feelings about money after he passed.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:05]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0How did your family make due once your dad, who was the primary earner, passed away?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:12]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0So she collected his social security.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:15]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And when she ended up going back to work, what were her feelings about having to go work?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:21]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t think she was happy.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:22]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You remember her saying anything?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:24]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, no, not at the top of my head. She didn\u2019t start working again until after I was already out of the house.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:33]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Did your parents ever talk to you about investing?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:39]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0No.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:39]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh-huh. Saving?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:41]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Nope.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:42]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm. Um, choosing a partner, the role of finances in your relationships?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:51]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Nope.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:52]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:13:54]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0My mom doesn\u2019t even have a, um, a checking account. She doesn\u2019t have a checking account or a savings account. She cashes all of her checks at King Soopers.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:02]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Still?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:03]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Still.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:04]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Wow. Have you told her that you listen to this show?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:08]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh. Well, unfortunately, we haven\u2019t spoken for about two years, but\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:12]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I got it. Okay. Got it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:13]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:14]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Wow. All right. So did you know that, Ryan?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:20]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:21]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Maybe not before we got really into the thick of things.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:25]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. That\u2019s not first aid conversation.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:27]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Hey, the car\u2019s got repoed, uh, anyway, what do you want to have for a drink?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:32]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0It\u2019s like, oh, by the way, can we keep going to your house please?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:35]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Right.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:36]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0You can only order Well drinks. That\u2019s how it started.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:39]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, Kenna, it\u2019s really\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:14:40]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0No top shelf.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0It\u2019s really interesting what you said, something really subtle, that you felt jealous of your friends who got shoes in the middle of the year. That is very subtle. That the idea that if you\u2019re ever going to get new shoes, which by the way happens maybe once every four years when you absolutely need them, it\u2019s only going to be at the beginning of the year. And you better make sure those shoes stay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:05]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:09]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s life for a lot of people. And if you grew up where your mom or dad was like, uh, your shoes look like they got a little thing on them. Let\u2019s go get something new. Doesn\u2019t matter what day it is, doesn\u2019t matter what month it is. You\u2019re just like, what does that mean?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:22]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:22]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So I appreciate you sharing that.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:24]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:26]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Ryan, think back to when you were a kid. What do you remember about money growing up as a kid?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:33]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Now that I\u2019m older and looking back, I have a different view on it, but it was definitely acting like we have money, and maybe the nice house, but not able to go do things. So it was a lot of fakeness in association with money for me, watching my mom and her husband. Go ahead.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:53]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, your parents were divorced early on?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:15:55]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh yeah. I never knew my dad. Uh, he was just not in the picture until I was already, what, 36 years old. And, uh, so it was just my mom, single mom. And then she got remarried when I was five and had my brother and sister, and then he was the primary moneymaker. She was stay-at-home mom. And, uh, like I said, they always acted like they never talked about money. I never heard them talk about money. They never talked to us about money. If they struggled, I never knew it. But now looking back, it was a lot of false fronts.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">The nicer car, and the nicer corner lot house that they were overpaying on rent for so that they could look like they had money. Because that was a big deal for my mom to\u2013 she\u2019s like, uh, she wants to be rich. She hasn\u2019t wealthy money wise. She wants to have\u2013\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:16:52]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh-huh, how did you know that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:16:53]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Lots of money. The way she carried herself though. Always above. Always pretending like it\u2019s no problem. I could buy the Rolex, or this car is paid for, or whatever the case may be. But the real version is we\u2019re feeling living in the house with her, and not having food in our refrigerator, and not having cable TV because we couldn\u2019t afford the bill. And then, like I said, there was a lot of a fakeness associated. Just play pretend. I only saw the struggle once they got divorced and we had to move back in with my grandmother.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:30]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, when did that happen? What age were you?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:33]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh man. My sister was\u2013 I was probably 12.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:38]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay, so at 12, they get divorced\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:40]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:41]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And you have to move in with your grandmother, your mom\u2019s, uh, mom. And how did money start to play a role in your life then?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:17:51]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, well, I saw my mom not making money and just kicking back. And I quickly realized my grandma was paying for all of our groceries, paying for our school clothes, buying us our Christmas presents. And my mom was just kicking back and I was just like, I can\u2019t not have money. I can\u2019t be a bum like that, and just live off somebody else and let them just pay for everything and not even feel remotely guilty. So at a young age I had a paper route. I wanted a pair of Air Jordan\u2019s, my mom told me no, I got a paper route. I bought myself Air Jordan\u2019s.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:18:28]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What did you make on that paper route?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:18:30]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh my goodness. Maybe 13 bucks every two weeks,<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:18:34]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. All right. What were you? 12, 13 years old?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:18:38]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Right away.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:18:39]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s a lot of money. I mean, back then.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:18:41]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0It was right. To think back on, it is just crazy.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:18:46]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. How come?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:18:49]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0I mean, 12 years old, and you\u2019re like, I\u2019m going to go get this for myself.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:18:54]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:18:54]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0You won\u2019t tell me.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:18:58]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:19:00]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0But then that\u2013 I feel like that encouraged a bunch of bad habits because I was like, I\u2019m going to get this money and I\u2019m going to spend it on whatever I want to spend it on. And if I don\u2019t have money on Thursday and I have to wait till Friday to get paid, then that\u2019s just what it is. And that built up some bad habits.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:19:16]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0When you think about going back to that 12 and 13-year old, and I see you getting emotional, what is it that you\u2019re feeling thinking about your young self?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:19:27]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Just like, how can my mom fail me like that? How could you not grind so hard to get what you can for your kids? And then you\u2019re cool just kicking back and watching your kid go out there and do that. I\u2019ll break my back to buy my kids whatever they need.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:19:50]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Because what does it mean to you?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:19:53]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Everything. It means that I\u2019m providing for them. It means that I\u2019m not going to hit rock bottom. I\u2019m not going to fail. I\u2019m going to do whatever I have to do. And that stems from me not having, and me having to do it for myself. And I want my kids to learn the value of doing stuff for themselves and working hard and earning things, but I\u2019m going to tell them to be a kid. They don\u2019t have to work right now when you\u2019re 12 years old. Your dad\u2019s got you.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:20:27]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:20:29]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Sorry.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:20:30]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0No need to apologize at all.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:20:32]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0I haven\u2019t talked to my mom in probably six years just because of all of the traumas that I\u2019ve had growing up and that I\u2019ve been working through lately.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Narration]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:20:41]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0When do you ever get to hear someone being so honest about their upbringing? You start listening to Kenna and Ryan and I think it\u2019s easy to be annoyed at first. Oh, boohoo, you overspent. Just stop it. But as you listen to their background, if you\u2019re really honest, I think you admit that you have no idea how you would react if you grew up that way. For example, Ryan grew up in a divorced household and the lack of money played a huge role in his upbringing. And now he\u2019s estranged from his mom.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">I may not agree with his spending habits, but I can totally understand how he got here. And notice the simplicity of the story he\u2019s created for himself. He literally tells himself, my mom didn\u2019t grind. I\u2019m going to grind for my kids because if I give them everything, it means I love them. On the surface, it\u2019s a logically coherent story, but if you dig into even one layer, it all starts to fall apart.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Interview]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:36]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What do you think you brought from your childhood into this relationship as it relates to money?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:21:48]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0So I feel like I definitely brought motivation to earn money and to not ever be in a position where our lights are getting shut off or our cars are getting repossessed and also an unrealistic expectation that everything was just going to be easy.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:09]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Because it wasn\u2019t easy for you growing up.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:12]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0It wasn\u2019t. And I guess I thought because we were both, I mean, we were both working at one point, so it seemed like our finances were very easy then. Um, I guess I just thought I was going to be smarter than my mom, that I was going to do it better than her, that I had read the book or listened to the CD, and that it was going to be different.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:40]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Is it different for you right now?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:22:44]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0It is because we\u2019ve never gotten a shut off notice or our car\u2019s repossessed, and we carry car insurance and the things that\u2013 our license plates are up to date and all of those things that we do to be legal. Um, but I don\u2019t think that the mindset has changed much.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">I thought that I would have a half a million dollars in retirement. Um, I thought that we would be in our forever home, um, that it would be easy for one of us to not work. Right now one of us doesn\u2019t work, but Ryan still has to work part-time. It\u2019s not the luxury of just being able to stay home and just be a full-time stay-at-home dad.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:23:29]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. So you thought you would have more money, more stability, what else?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:23:35]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, more vacations. Um, the ability to put our kids in after school programs or dance, and not have to be quite so selective about what extracurricular activities they do. Um, if we need a new dresser, being able to just go buy it instead of having to like save for a month to go buy something for a couple of hundred dollars. Or being able to just not have to look at my bank account every single day.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:24:10]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Yeah Okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:24:12]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Amen to that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:24:14]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Ryan, what\u2019d you bring from your upbringing?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:24:18]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Horrible spending habits.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:24:19]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, and that started around age 12, 13 for you?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:24:22]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. And I didn\u2019t really\u2013 uh, lack of caring towards money.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:24:30]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Wait. How can you\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:24:32]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0I care about money to have stuff, but I don\u2019t care enough about money to\u2013 or when I was young in my 20s and 30s, I didn\u2019t care enough about money to be wanting to aggressively put into a 401K. I cared more about material things. And I didn\u2019t care if I had to put something on a credit card because I didn\u2019t have all the cash for it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:24:54]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t mind. That\u2019s most kids. All right. Look, I know I\u2019m supposed to be uplifting and stuff, but most kids are stupid when it comes to money. They don\u2019t know anything. So if some 18 year old comes to me and they\u2019re feeling all down because they spend all their money on whatever it is 18-year olds spend money on, in-app purchases or whatever, mine field, whatever, don\u2019t write me. I don\u2019t want anyone writing me about these stupid kids games that I don\u2019t know. I don\u2019t have an 18-year old. I don\u2019t know anything about 18-year olds anymore, but I don\u2019t blame them. Now, I will say you are 45.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:28]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:28]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Maybe it\u2019s time for us to make a change. What do you say?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:25:31]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0We\u2019ve come a long way. We\u2019ve been together, what, 13 years. Um, and so I think we\u2019re both finally just done fighting and want to create a solid plan that we can just move forward with. I was just like, I\u2019m over here working and I\u2019ll shut up and go work 60, 70 hours a week, and do what I have to do, and you just take care of everything. Let me know if I could spend some money. I\u2019d be like, Kenna, I want to go out with my boys. I need a $100.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Narration]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:26:01]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0This is a classic way of thinking for people who grew up without money. The idea is, I\u2019m just going to grind, and if we\u2019re struggling, I\u2019ll just grind harder. I will figure it out. The idea of long-term planning is conceptualized totally differently if you grew up middle class or wealthy. As people who grew up poor try to replicate that idea of grinding, they often discover its limitations.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Here\u2019s an excerpt from a book I love called The Power of the Past by Jesse Strive. She writes, \u201cIn general, those who were born into professional white collar families had sensibilities that I call managerial. They preferred to plan, deliberate, mull over, and organize their resources, their children, and their daily lives.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Their partners with blue collar roots typically had different sensibilities. Those that I call laissez-faire. They preferred to feel free from self constraint. Rather than wanting to analyze, plan, or meticulously organize their lives, they preferred to go with the flow and live in the moment. These differences played out across multiple domains in their lives.\u201d<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Now, this book has a lot of complex ideas, some you may agree with, some you may disagree with, but you will see these differences coming up time and time again across different couples that I speak to.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Interview]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:27:24]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Now that our roles are reversed and I\u2019m the stay-at-home mom, uh, I feel like I need to take some of that burden off of her. I can\u2019t just be like, make the dinner menu, uh, budget for the groceries, make sure all of our credit cards are paid on time. I felt like she didn\u2019t ask me to do that when I was working and bringing in all the money, so I shouldn\u2019t be asking her to do that while she\u2019s working and bringing in all the money.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Why not now? I mean, we\u2019ve done enough damage already. We\u2019ve racked up a credit card, sold a condo, used the proceeds to pay that off, only to rack up another credit card over frivolous spending. So that aspect needs to go. And there\u2019s some changes that need to be made, so I think it\u2019s only fair.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:08]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So how does money come up in your relationship? Who talks about it?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:14]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Kenna brings it up to me as often as she can, as often as she thinks she can get away with before I get a little bit fed up.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:22]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Money has always been a topic that I want to talk about and that I want to be, um, working on as a team. And I don\u2019t bring it up in the right way. I\u2019m not inspiring Ryan to want to help because I\u2019ve always focused on the negatives, like how we\u2019re short, or these are all of our debt payments.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:42]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Kenna, how often do you bring it up?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:45]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, probably at least four times a week. So I\u2019ve been reading your book. I\u2019m reading it the second time. Um, and so are\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:52]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Hallelujah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:28:53]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes, we are finally trying to automate our money. So Ryan is doing some side work, and so we have finally committed to his side work money going into his personal bank account and that he is going to\u2013 that all of the credit card bills are going to automatically be paid out of his bank account.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">And that I am going to, um\u2013 my paycheck, a portion of my paycheck is going to go into a checking account that we will pay our mortgage out of. A portion of that paycheck is going into a high yield savings account, which we just opened three weeks ago. Um, and then the rest of it, I\u2019ll pay our utilities with. And so this is the most automation we\u2019ve ever had. Usually all the checks just went into our joint account and we paid the money, used it for fun money, we paid everything.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:29:41]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I just got one question for you. How fucking good does that automation feel?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:29:45]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0I was telling Ryan, it\u2019s awesome. It finally feels like\u2013 well, and because we\u2019re doing it together, I feel like because the credit cards are finally coming out of his account, he\u2019s invested. He has to\u2013 now he knows when the credit card bills are due. And before he never\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:03]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0I couldn\u2019t tell you.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:05]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:05]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0You didn\u2019t know the login information. January is the first month that the credit card bills are coming out of Ryan\u2019s account, and so far it\u2019s been awesome.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:13]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Good. Ryan, how does that change feel to you?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:17]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, it makes me feel more involved. It makes me feel like I have a stake in the game where I didn\u2019t before.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Narration]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:24]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0If you spend more than an hour per month on your money, you are almost certainly wasting time. You can DIY the automation yourself. Get my book, I Will Teach You to Be Rich. I\u2019ll put a link in the show notes. Or if you want my help, join my money coaching program. I will answer your questions on our monthly call. You can get a link in the show notes and you can join for our next call.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Interview]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:45]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So I understand that, Ryan, you were working, Kenna, you were a stay-at-home mom, and then this flipped. When did that happen and why?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:30:55]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0It happened in January of 2022. Yeah. January of 2022, um, because Ryan\u2019s job was really overworking him, and there were\u2013 every day where he would leave before the girls would even wake up. And then most days he was getting home after they had already been up to bed. And it was really taxing on his physical health, his my mental health.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0My mental health.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, mental health. And so in 2017, I started, um, a bachelor\u2019s degree program. And so when I graduated, we knew that that was going to be the plan that once I got my degree, hopefully I\u2019d be able to match his earnings, 60-hour a week earnings, and then he would get to stay home.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:31:45]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And were you able to do that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:31:47]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, so, uh, in theory, yes, but it wasn\u2019t enough.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:31:54]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh-huh. How much were you making at the time, Ryan?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:31:59]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m 70. Maybe a little more.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:02]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. And Kenna, how much do you make now?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:06]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Well now I make 70, but when I took the first job that I took after college, it was 56.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:11]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, wow. So you started making 56, Ryan, you said, okay, I\u2019m going to be the stay-at-home dad now. And how\u2019d you make that work, the $14,000 difference?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:23]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, Ryan worked.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:25]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0I got a part-time. I just got a brainless part-time job just to facilitate that little bit of extra money.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:31]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Wow. Okay. That\u2019s cool. You two are working as a team.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:35]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0It wasn\u2019t enough.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:36]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0It wasn\u2019t enough, but there was no issue with one person working, one not, etc.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:41]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0No, like I said early on, we didn\u2019t have our children for someone else to raise them. So it\u2019s super important that our values are the ones that they\u2019re getting main.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:51]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:51]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Their main course meals from, I guess.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:32:54]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay, great. All right, I get it. So right now, um, Kenna, you make 70.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:01]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:01]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And Ryan, do you work a part-time job now?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:04]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, I just do little Amazon deliveries, a little\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:07]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay, how much do you make?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:09]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, maybe 1,200 a month.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:11]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a01,200 a month.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:12]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. And that\u2019s just, uh, enough to pay all of our credit cards, our personal loan, and fuel my car for the deliveries.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:24]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Do you plan to continue this arrangement going forward?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:30]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, yeah, I mean, yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:33:35]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0I would eventually\u2013 I mean, I don\u2019t, I\u2019m a very, um, goal focused and, um, eager, uh, person. And so I don\u2019t plan on staying at $70,000, not even till the end of this year. So hopefully, we\u2019re hoping to get to a point where, um, I am at under a 100, just over a 100, and then Ryan can just work like a fun job. He won\u2019t feel so\u2013 and also, once we get these credit cards paid off, that\u2019s our main focus right now, is just one by one knocking them off. And then as those get paid off and shut down, we cannot have to work as much. Essentially, so he won\u2019t have to work as much.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:19]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0And then our relationship is totally predicated on, oh, when this happens, then we\u2019ll be able to do this. But then that thing happens and we\u2019re just waiting for the next thing to happen.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:30]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And also sometimes when it happens\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:32]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Is with that\u2013\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:33]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0It doesn\u2019t work out the way you thought. You mentioned you sold this condo, you paid off the debt, and now it\u2019s back. Are you worried about that happening again?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:43]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0No.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:45]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, okay. You\u2019re not. Kenna, are you?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:48]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, I am.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:34:50]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, I told him just two days ago that we should cut the credit cards as they\u2019re being paid off. And he said, well, we don\u2019t have to do that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Guess want to have that conversation right now? I\u2019d love to hear it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:00]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0I think they need to be cut. I think most of them need to be closed.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:06]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, I agree with most of them need to be closed, but I just don\u2019t understand the, uh, ceremonious act of cutting them and that doesn\u2019t do anything for me.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:16]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What do you do for\u2013 your seven and your four-year-old, is that two daughter?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:20]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:20]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What do you do on their birthdays?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:24]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0A little birthday party, uh\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:26]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Blow out\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:28]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Cake.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:29]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Cake. Candles. Presents.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:31]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What\u2019s with all those dumb ceremonies? Why would you do that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:34]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, I mean, a birthday\u2019s a little more ceremonious than cutting a credit card to me, at least. I understand.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:39]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What are you talking about? Hold on. How much do you have on your credit card?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:44]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, 20\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:45]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Which one?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:46]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Which one?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:48]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Of them together.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:49]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a030,000.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:50]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s a lot of money.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:51]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Dude, no shit.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:53]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So can we create a ceremony around that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:35:57]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0100%.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">\u00a0All right. Awesome. You know what? Let me put it this way. I learned a little secret from my wife. You can create as many ceremonies as you want. Nobody stops us as adults. You could create a ceremony every Monday. But for the big things, it\u2019s like, we got to do this.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:12]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, I agree. I don\u2019t even think as we pay them off, can we just cut them all up right now?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:18]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0I mean, yeah. It\u2019s not like\u2013 keeping them isn\u2019t some super ceremonial thing for me either. It\u2019s like, I\u2019m good either way.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:25]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You guys want to do it right now?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:26]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m good either way.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:27]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Should we do it right now?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:28]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0I can go get them right now.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:29]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Get them. This is so\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:32]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0This is so big. This is huge.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:34]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Is it?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:36]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Huge.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:37]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay? How many are there? Two?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:40]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, five.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:41]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right, so where\u2019s the scissors?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:44]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0No, we have a shredder.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:46]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, well I need to see it happen.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Kenna will show you. It\u2019s right underneath her. It\u2019s at her knees. I\u2019ll walk these down to her right now.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:52]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, yeah. Hold the camera up and let\u2019s get these things going.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:56]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:36:57]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right. This is a big moment. Uh, are you guys going to do some chant or song or something? What are we going to do to make this theatrical?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:04]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0What about a big hug and a smooch?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:08]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. That sounds great to me.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:10]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Sounds good to me too. Let\u2019s get it on camera.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:12]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0What would you rather have?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:14]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0No, no. that\u2019s\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:14]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Maybe some like pitch forks and go down there like\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:18]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I like it. Whatever\u2019s meaningful to you. I\u2019m your happiest spectator.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:22]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019ll be right back.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:23]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:27]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m so proud of him. I might cry.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:31]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0This is cool.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:32]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m trying to see if I can\u2013 the shredder doesn\u2019t have a very long cord.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:37]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, it\u2019s fine.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:37]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Are you okay?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:38]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:38]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Are you sure this is something you want to do?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:40]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t want to use them too.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:41]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Can I have a hug?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:43]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. You can hold that up.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:49]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0No, the cord\u2019s not long enough.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:51]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Just hold this up.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:54]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. You hold that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:57]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, there we go. Great.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:58]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Can you it?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:37:59]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Yes. Go ahead.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:01]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Let us hear that sound. This is so satisfying. Oh, it\u2019s a silent shredder. What is this? Is that thing shredding?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:11]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:11]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:12]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0There we go.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:15]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What does it feel like to see these things going down the tube?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:18]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Got it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:19]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0For me, it signified that Ryan is really on board, and that he really means it when he says that he\u2019s ready to get out of debt.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:28]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I think that\u2019s so cool. Hey, round of applause. I will take the win. That was awesome.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:36]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Good job, baby.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:36]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0That was so cool.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Are you crying?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:38:38]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0No, I don\u2019t have emotional attachment to these things. I just never had anything. I think really what set the tone for me liking the credit cards was we went to apply for a home loan and they were like, dude, you\u2019re a ghost. You don\u2019t have any credit. And I was like, boom, on top of my game. I don\u2019t owe anybody anything. And they\u2019re like, no, that\u2019s not the way it works.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:39:05]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So we all do the best we can with what we\u2019re taught. You were never told anything about money. Okay. But now you\u2019re married. Now we\u2019re here. So let\u2019s get it to the next level. No big deal. All right, so first of all, that was awesome. Um, today is Tuesday. I think we\u2019ve got to name this day. This day will forever live in your family history. What do you want to call this thing? Yeah. What do you think this thing that just happened\u2013 what do you want to call it?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:39:37]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0It\u2019s freedom.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:39:38]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Financial Freedom Fest 2023.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0There it is.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:39:44]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Sold. I love it. Okay, so\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:39:46]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Financial Freedom Fest. I\u2019m putting it in my Google calendar as soon as we\u2019re done.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:39:49]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0There you go. It\u2019s a recurring one every year. And we celebrate it the\u2013 you all do a cake for your kids, whatever it is, but you are creating a new culture for yourselves. Rituals are always exaggerated. They\u2019re always theatrical. Sometimes they\u2019re so exaggerated that people put on costumes. They buy trinkets, and they are talked about. When it\u2019s coming up for their birthday, I\u2019m going to go out on a limb and I\u2019m going to guess you say, uh, what do you want to do for your birthday? For your birthday we\u2019re going to go here. It\u2019s a thing, right?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:22]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Absolutely.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:24]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, guess what, you do the same thing for this ritual. That imbues it with the importance that it rightfully holds in your family.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:32]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0I love that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:34]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Beautiful. So the two of you will do that. And guess who else you\u2019re going to bring in on that ritual?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0You.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:40]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Not me. Uh, I mean\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:42]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0He\u2019s like, I\u2019m very busy.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:44]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You can send me a calendar invite. I\u2019d love to come, but I\u2019m not talking about me. Who else is really important in your day-to-day lives?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Our kids.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:51]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Our children.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">So shouldn\u2019t they be brought in on it?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:54]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Absolutely.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:55]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Or even this time.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:56]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0100%.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:40:58]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Get them so excited that they go, what are we doing for Financial Freedom? That is when you know that you\u2019ve created real culture in your family.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:41:07]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, I love that. I\u2019m so excited.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m excited. Okay. This is so cool. Let\u2019s go through your numbers, because I want to talk about some of these numbers and what I saw here. Who created the conscious spending plan?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:41:19]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0We did it together.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:41:20]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0We did it together.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:41:21]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Cool. What was the experience like?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:41:24]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Good. Yeah. It felt good.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:41:25]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0It felt good. Why did it feel good?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:41:28]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Because we haven\u2019t been on the same page a lot with finances and I get really excited about my spreadsheet.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:41:35]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0She gets pumped over numbers.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:41:37]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, my spreadsheet and how we can make it, how this is going to work out. We\u2019re going to be able to pay extra here and there. And Ryan is just like, as long as the bills are paid, I don\u2019t care. Or at least in the past, Ryan has always said, as long as the bills are paid, I don\u2019t care what\u2019s happening. Where I\u2019m like, wanting to do the celebration.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:41:56]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. All right, let\u2019s go through the numbers, and we\u2019ll talk about\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:41:59]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0We\u2019ve crossed over, Ryan.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:42:00]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Talk about your\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:42:01]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0It makes me happy to see you happy.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:42:04]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Ryan, let\u2019s go through the net worth section. What do you see first? How much?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:42:08]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, assets, 500,000.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:42:10]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. What is that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:42:12]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0That is our cars, our home, uh, and that\u2019s it.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:42:17]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0How much is the house worth?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:42:20]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Almost all of it. Probably 460.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay, got it. And your investments.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:42:26]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a01,000 bucks.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:42:28]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay, your savings?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:42:30]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a050 bucks.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:42:32]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. And your debt?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:42:35]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0400,000.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:42:37]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. What is that 400,000?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:42:38]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Our house, our credit cards, and our personal loan.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Narration]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">The personal loan was to make improvements to the condo that they sold, and the condo is the one that they claimed to make a $78,000 profit on which obviously it\u2019s not true because they didn\u2019t really calculate the phantom costs. They then used that profit to put a down payment on the next house, and to pay off a card or two, and Kenna\u2019s car, but they elected not to pay off the loan itself. I\u2019m going to skip over this because there are a lot of bunch of details and frankly, there\u2019s some much more startling numbers in this conscious spending plan.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Interview]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:43:11]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Let\u2019s talk about your fixed costs. What\u2019s that big number, Kenna, you see on the right side? Oh. Uh, 86%.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:43:18]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a086%? So you\u2019re spending 86% of your take home payon your fixed cost. What does that number tell you?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:43:26]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s too high.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">\u00a0That\u2019s correct. What number should it be theoretically?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a050 to 60.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:43:32]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, that\u2019s what I like to see. We can all argue if I\u2019m right or wrong, but 50 to 60 is a really healthy range. So let\u2019s go down the list. Your, uh, mortgage is $2,073, and your utilities are 373. If I add those together, that\u2019s about 30% of your gross income. Little higher than 28%. But okay, not a big deal. I\u2019ll tell you, let me add a little nuance to that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">It\u2019s not a big deal to exceed 28% if, one, you have very low amount of debt. Two, if you live in a high cost of living area, it\u2019s basically impossible to do 28%. Three, if your incomes are going up, etc. It\u2019s not going to break you to go 1, 2, even 3 or 4% above, but it becomes riskier. It\u2019s less money to save, spend, invest. And we\u2019re seeing that as we go down the list. All right. Um, your debt payments are a $1,000 a month. Okay. That\u2019s a lot. Now, I have a question for you. Is that the minimum?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:31]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:32]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:32]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, that sucks. All right. What happens if you\u2019re paying the minimum on your debt?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:39]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0You never pay it off.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:40]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Years and years and years. Okay. All right. Good. It\u2019s good that you understand that. Let\u2019s see what we can do about that. Uh, your groceries are 600 a month. How do you feel about that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:44:54]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Pretty low, especially in today\u2019s market where groceries are so expensive. We could probably\u2013 I would like to have a little bit more.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:45:03]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Who does the grocery shopping?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:45:06]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, both of us now.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:45:08]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:45:09]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, we usually go over that, um, sometimes by 20, sometimes by a $100 every month. Just depends. But that\u2019s the number we try to\u2013 that\u2019s our budget, I guess.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:45:21]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Let\u2019s not do this. Let\u2019s not do fake numbers. If anything, let\u2019s do numbers that are above what you spend, because the worst thing in the world is to make a number here on your conscious spending plan that you keep failing and then you just go, fuck this CSP. We don\u2019t even really take it seriously.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:45:38]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, and that\u2019s how it was when I tried the budget a long time ago, so I\u2019ll change this to 700.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:45:42]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Change it. Yeah. Yeah, yeah. I\u2019d rather you be realistic and then we can actually work with reality.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:45:47]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Yeah, 700 is more realistic for sure.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:45:51]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So nothing here stands out as crazy spending, but you only have $50 in savings now.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:46:02]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes. It\u2019s embarrassing.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:46:03]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What do y\u2019all think about that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:46:05]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0It\u2019s embarrassing.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:46:07]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh-huh. Kenna, what do you think? What\u2019s the word that comes to mind for you?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:46:12]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, it makes me angry.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:46:14]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Why?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:46:15]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Because I know better.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:46:17]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. When did you buy this house?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:46:23]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a02019. July of 2019.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:46:26]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:46:28]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0And we probably had $0 in savings at that point.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:46:32]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay, so over four years you saved up $50. It\u2019s going to take you quite a while to build that savings account if we\u2019re going at this rate. What do you say? I say got to increase the savings rate.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:46:43]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0So I will say though, I mean, we have struggled with adding money into our savings account, but then being short, so then having to take money away from the savings account to pay for our bills. So, I mean, we\u2019ve had at one point $2,000, is probably the most we\u2019ve ever had, but, um, it hasn\u2019t always just been between zero and 50.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:47:04]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, I get that. All jokes aside, I really like to think of a savings account as primarily going in, rarely coming out. Okay. All right. Let\u2019s look at the income. Uh, Kenna. Walk me through the income.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:47:21]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0So my monthly income gross right now is 5,833.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:47:26]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:47:27]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0And then we were conservative with Ryan\u2019s and put 1,000.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:47:31]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Nice job being conservative. I like that. Very good sign. Good habits. That\u2019s awesome. So collectively, you make 82,000 gross.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:47:40]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:47:41]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What do you think about that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:47:44]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0It\u2019ll be a bit higher.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:47:46]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, I mean, once we add that 2,400 from yours. Okay. 82, 84,000. Any feelings about that? Can you make it on $82,000 a year with two kids?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:48:01]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. We are making it. We\u2019re not struggling to put food on the table. We\u2019re not telling our kids they can\u2019t go to the waterpark for their birthday. You know what I mean? We are making it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:48:14]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0However, some of those purchases though were made out of credit cards.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:48:17]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, credit cards.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:48:18]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0And that\u2019s what I was going to say. We make enough money to pay all of our bills, but if we didn\u2019t have credit card bills, we would have a lot more.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:48:28]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah, things would be a lot. We would be able to\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:48:31]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Wait. I\u2019m not sure I can buy the thing of like, we\u2019re making it, but we have over $30,000 in credit card debt.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:48:43]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:48:44]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s not making it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:48:45]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0No, I totally agree with you.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:48:48]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What does making it mean to each of you? Ryan, what\u2019s making it mean?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:48:56]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0I could go to that restaurant without even thinking about it. Just walk right in and get my meal.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:49:02]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Kenna, what does making it mean to you?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:49:05]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Being able to save enough that I can retire early.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:49:08]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Um, Ryan, hearing your definition versus Kenna\u2019s definition, what do you notice?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:49:19]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, my definition is very small.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:49:21]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. It\u2019s so small that it\u2019s a speck in the landscape of a rich life. To be able to go out to a restaurant, yes, I can see why it\u2019s important. When I was in my early 20s, I wanted to be able to go and order appetizers because when I was a kid we couldn\u2019t do it. So I totally get what you\u2019re saying. I totally, deeply understand it. But I also think now, especially at the age of 45 with two kids, there\u2019s got to be more to a rich life or more to making it than just to be able to go to a restaurant.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:50:00]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0That would be amazing.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:50:01]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:50:03]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0And the retiring early, I don\u2019t know, I\u2019ve been pretty sloppy, so I\u2019m already 45. Probably going to have to work this one out and, uh, I don\u2019t know. I mean, just not having a whole lot when I\u2019m a kid. I\u2019m super satisfied, if we could sell this house and buy a nicer house than this one and just be chilling on the rocking chairs, that would be enough for me.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">I mean, I would feel rich at that point. And I mean, I know it\u2019s a different definition than a lot of people\u2019s rich, but I would feel rich having the same house for our kids to come back to in college, which Kenna and I do not have. We can\u2019t go back for the holidays to our house and go to our old rooms. I\u2019d like to have that for our girls. That would make me feel like I\u2019m living a rich life.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:50:54]\u00a0<\/span><b><span data-contrast=\"none\">Narration:<\/span><\/b><span data-contrast=\"none\">\u00a0[Narration]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:50:55]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0The honest truth is that right now Kenna and Ryan will not be able to live much of a rich life. It will take decades to pay off that house. And that\u2019s if everything goes right. If the roof breaks they\u2019re done for. And even if they eventually pay off the house, they have almost nothing to live off of in retirement.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">There\u2019s no pension. Social Security pays a modest amount. They are in trouble. What\u2019s really surprising here is how small Ryan\u2019s definition of a rich life is. We\u2019ve heard throughout today\u2019s conversation that Kenna and Ryan both tell themselves a lot of stories. Well, after a while, you start to believe those stories.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Soon you even create other stories that end up shaping your life. For Ryan, he looks at his numbers and says, hey, we\u2019re actually doing okay. Better than I grew up. That\u2019s a story, one that allows himself to sit back and make no changes, because after all, according to his own definition, he\u2019s doing okay. But what if I looked at his numbers and I said, wait a second.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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 have tens of thousands of dollars in debt on this conscious spending plan, and you\u2019ve saved $50 in four years. You need to make a change. That\u2019s another story, but it\u2019s one that would necessitate change. So the question for you to ask yourself, is what stories are you telling yourself about money? Which of them might be true and which of them might not be? Now, if you grew up not being taught the skills of planning ahead, like we\u2019ve heard on today\u2019s conversation, this can be very hard, but it can be done.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Interview]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:52:35]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What do you think you spent on in the last month that was above and beyond your fixed costs?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:52:43]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, in the last month we had Christmas, but if you discount like maybe a month where we didn\u2019t have Christmas, most of our\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:52:49]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0No, no, no. I want to count Christmas.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:52:51]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, most of our money<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:52:52]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0600 bucks for Christmas. What else?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:52:54]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm. Just eating out.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:52:57]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Kenna\u2019s birthday, so we went out for the day, spent about 300 bucks.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:03]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:05]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, Lenna\u2019s birthday was December 10th, so we had her birthday party.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:10]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0How much?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:11]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, I think it was two something, 250.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:15]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. What else?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:17]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, her presence were a $100.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:22]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0And, uh, yeah, beyond that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:27]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s about it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:29]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Eating out. Anything else?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:30]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:32]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, how much is eating out?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:37]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, on a high month, $300.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:40]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. So that\u2019s 75 bucks\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:43]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0And then on a\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:44]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0A week. That\u2019s like one meal per week.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:47]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0We usually don\u2019t even\u2013 there\u2019s a lot of times we don\u2019t eat out in a week.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:50]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:51]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. All right.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:56]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0We\u2019re trying.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:53:58]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. So that\u2019s, um, $1,550 on guilt-free spending. So that is an example where you\u2019re in the red.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:54:13]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:54:14]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You spent more money than you made. And I would be willing to bet that you\u2019re spending a comparable amount most months, even though Christmas was in December, there\u2019s probably something that happens in July, etc, and sometimes there\u2019s a big expense that blows up and we have to amortize or spread that out. So you\u2019re probably spending around a 1,000 to 1,500 bucks extra per month than you even reflect here.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:54:43]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0I could see that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:54:44]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What do you think about that, Ryan? I see you just staring off into space right now.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:54:47]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0I am not staring off into space. It\u2019s just so annoying that we even allowed ourselves to get into this position.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:54:54]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:54:56]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0It\u2019s like we both, like\u2013 I think we both consider ourselves semi-intelligent people, and it\u2019s like you can see yourself going down the path and you just don\u2019t stop it. You just let it go and then, oh, whatever. We\u2019ll deal with it at some point. I mean, I\u2019ve even told her before. I\u2019m like, well, we just make the minimum payments and then when we sell this house, we\u2019ll just use the equity from this house to pay off the credit card debt, and then we\u2019ll be at zero again. And then her next answer or next statement is, yeah, until we get another credit card and then do this whole thing over again. And then I go, no.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:55:29]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Which was why cutting the cards\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:55:30]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0We don\u2019t do this over again.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:55:32]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Which is why cutting the cards\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:55:34]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Dig ourselves out this time, and that\u2019s it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:55:36]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:55:38]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0And then instead of a $1,000 going towards our credit card debt, a $1,000, not even a 1,000, $700 could go to a retirement account and $300 a month can be for us to eat out. If we don\u2019t\u2013 uh, just foolish in my younger years.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:55:57]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:55:58]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Still being foolish today.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:56:00]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Well that\u2019s what I want to talk about. It\u2019s one thing to focus on what happened in the past. What happened in the past happened, but what is more concerning is the beliefs and behaviors that you\u2019re bringing to today\u2019s money. We can\u2019t change that you have 30 plus thousand dollars in debt, but we can change the way that you think about money, talk about money, and behave with money.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">So think about money, as an example, the idea that we can just sell this house and roll over the equity, and cash out and blah, blah, blah. Uh-uh. You don\u2019t even really know how much you made from your last house. In fact, you made a lot less than you think. So we\u2019re not going to play that game because we already know where that one ends up. It ends up with you back in debt. That\u2019s a gimmick, if you really get honest with yourselves. We\u2019re going to magically cash out our house ATM and then all our problems will vanish one day. Uh-uh, that\u2019s not happening.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">So that stink. We\u2019re going to change that. Talk about money. It\u2019s not so bad if we just eat out. Um, we need to get Christmas gifts. I need to provide for my children in this way. You can provide yourself right into the ground. That\u2019s talking. And behaving is everything from how do the two of you talk about money? Who brings it up? Uh, and most importantly, what about your spending?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Where are you swiping your card? What are you buying? What is around you physically in this room that you\u2019re in, in your closet, in your garage, even your house itself. That is all a reflection of your behavior. Behaving. So think, talk, and behave. We\u2019ve got to change all of it. The bad news is this is really hard. It\u2019s hard because it\u2019s been part of you both for over 13 years, and it\u2019s now part of your dynamic. It\u2019s woven in.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:58:05]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:58:05]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0But the good news is, I believe you can change it. And if you do, and if you really both get on the same page and you\u2019re rowing in the same direction, you can make rapid changes to your finances. You will make rapid changes. Within six months, you\u2019ll start to see huge changes. How do you feel hearing that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:58:29]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0So excited.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:58:31]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0I feel like if in six months that\u2019s happening, I\u2019ll be or super\u2013 just happy and impressed.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:58:37]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Awesome.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Because it\u2019s a huge move for us.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:58:40]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. It\u2019s\u2013\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:58:42]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0We\u2019ve been okay living paycheck to paycheck. And we\u2019ve been okay doing what we\u2019ve been doing.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:58:47]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:58:48]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0At least we\u2019ve been able to justify it to ourselves.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:58:52]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:58:53]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0It could be wrong. I\u2019m not saying we were right, but it\u2019s just enough is enough.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:59:02]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Enough is enough. A rich life has got to be about your children. It\u2019s got to be about the two of you. It\u2019s got to be about who you are, your actual identity, not the fake identity that you mentioned, Ryan, the one that you said you consider foolish. Remember that? It\u2019s the one that you really are. So reconnect with that, and tell me what is going through your mind, your rich life.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:59:31]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t ever have to worry about any of our bills being paid for. There\u2019s always positive money left over at the end of the month. And we\u2019re putting that positive money into the right places. We\u2019re not just, oh, we have positive money, let\u2019s go out to sushi. We\u2019re actually like, hey, we have positive money. Let\u2019s do this with it to help make this happen.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[00:59:56]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And what is the role of your daughters in this rich life? What are they observing?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:01]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Good, excellent spending habits. Um, I guess we\u2019re pretty open with our kids, so I guess we would bring them in for a conversation about it. So there would be the vocal part of it, of us teaching them like, hey, we\u2019re doing this, this is why we\u2019re doing it. These are the reasons. And then when they see the fruits of our labor and they see us sitting on that rocking chair in the front porch at the same house we\u2019ve been in for 30 years, Yeah, that\u2019s rich.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:33]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s beautiful. Beautiful. All right. You get the privilege of taking them on a journey with you. And the journey for the two of you is going to be tough, but as far as your kids are concerned, they don\u2019t know. Seven years old, everything\u2019s exciting. So you get to create whatever story of that journey you want, and they experience it. That\u2019s the magic of childhood.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:56]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:00:56]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Kenna, what about you? What\u2019s your rich life?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:01:04]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, like I said before, the bills are paid automatically. I don\u2019t have to worry about if one has gone up $10 that month. There\u2019s just always enough. Um, that I\u2019m able to save way more aggressively for retirement. That our kids can participate in extracurricular activities with no questions asked. That we are able to donate to charities and volunteer our time with our children, um, that we\u2019re able to give them an allowance. I could literally go on and on.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:01:37]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Love it. You have\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:01:38]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, and I have my journal in front of me from your book, about what a rich life means to me. I\u2019m trying not to read it. Um, but, uh, yeah, I have a very extensive, very thorough, very vivid list.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:01:50]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Beautiful. All right. Stay there. What we want to do is we want to find a way for you, not me, you\u2019re going to do it, to give yourself some breathing room. Because right now you\u2019re wound too tight. There\u2019s no extra money. You\u2019re actually spending way more than you even realize here. And it\u2019s tough. We got to get out of this cycle. So how do you think that you can do that? As a good guideline, your fixed cost should be 50 to 60% of your take home. That\u2019s just a general guideline. How do you think you can give yourself some breathing room here?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:02:28]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019ll be asking for a raise shortly.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:02:31]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0I\u2019m currently trying to explore some options where I could bring just a little bit. I don\u2019t want to overextend myself and take myself away from my kids and not be able to provide for them in the manner that they need. But I\u2019m exploring options of trying to bring in maybe just 2, 3, 400 more dollars a month, and then using that money to start chopping down some of the credit cards that I\u2019m responsible for.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:02:56]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So, Kenna, you said you\u2019re going to ask for a raise. Let\u2019s just assume you get it. And if you don\u2019t get it, you switch jobs and find a place where you do get it. How much is your take home income going to be then?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:09]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0$6,666.66.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:13]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So right now your fixed cost represent 88% of your take home. Go ahead and make that change to your income.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:20]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0And then Ryan\u2019s also\u2013\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:23]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, before we go on, let\u2019s take a second. That as pretty cool. That number was at 88% of fixed costs. What is it now?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:30]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a081.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:30]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Wow. Okay. Round of applause. I\u2019ll take the win. That\u2019s a big move in the right direction. So that raise is pretty important.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:38]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes. Oh, yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:40]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0How likely are you to get it?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:43]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, pretty darn likely.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:45]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Ryan, so you mentioned you want to pick up an extra 400 bucks a month?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:49]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:50]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right. So let\u2019s go ahead and model that in. Ryan, why don\u2019t you type that in to the CSP?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:03:55]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0He\u2019s 1099, so I with withhold more federal, um, and state taxes because he\u2019s a 1099 employee.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">\u00a0Perfect. So what should we put for his take home then?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:04:07]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, if I have 1,400, I\u2019m taking home 1,400.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:04:10]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0All right, another round of applause. We\u2019re down to 76%. Well done. We\u2019re going in the right direction. Nice. All right. So what this tells me is it\u2019s really important that both of you increase your income. So while I do appreciate and I support that each of you has modeled in making more, don\u2019t think it\u2019s realistic.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:04:29]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, for me it\u2019s realistic because I don\u2019t take on very much right now as far as hours go. So I can definitely increase my income. That would be no problem.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:04:42]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0But you\u2019re already\u2013 hold on. You\u2019re already making $1,000 a month.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:04:44]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:04:46]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Even 1,200. You said you want to increase that to 1,400. Great. Can it go higher than that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:04:54]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0It would just really\u2013 yeah, I mean, yeah. I mean it could. It just gets stressful cause I take care of the kids, so then I feel like I\u2019m short-changing my children on time and energy that they need. Right now I just can\u2019t overextend myself. I already tried that and just not being able to give my kids what they needed as far as energy levels go, because I needed to sleep because I was working late. It just felt like I was just short changing them. And that wasn\u2019t fair.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">\u00a0I totally get you. So let\u2019s be intellectually honest in our CSP. You\u2019re not going to earn way more for the next year.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:05:34]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0No.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:05:35]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You\u2019re not. That\u2019s okay. Let\u2019s not say that you\u2019re going to. And let\u2019s recall that even in this you\u2019re still spending way more in guilt-free spending. I put the 1,550 down there. What is the biggest area of guilt-free spending right now?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:05:56]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Birthday celebrations. Ceremonial celebrations.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:06:00]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Generally speaking\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:06:00]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Ceremonial celebrations.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:06:02]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. I think generally speaking it\u2019s the kids.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:06:05]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:06:06]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:06:06]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0I never thought of it like that. Just like that simply.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:06:09]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Really?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:06:09]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0It\u2019s the kids.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:06:11]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Let\u2019s get rid of them. I\u2019m just joking.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:06:15]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Get out of here.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:06:18]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0I love my kids. If you ever watched this, I love you.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:06:20]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Now, that is good. Now that\u2019s a funny mom right there. Let\u2019s sell them. We could probably make a pretty good profit. We invested it seven years.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:06:28]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0We probably pay off our debt.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:06:29]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0We could pay off all of our debt.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:06:33]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh my God. I might get in trouble for airing this myself. That was good though. That was good.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:06:38]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0I think we\u2019re going to be okay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:06:40]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s really interesting, Ryan. You never thought of kids as your most expensive discretionary expense. Why is that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:06:51]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Because they just get everything that I never had and I couldn\u2019t care less. I know I need to care. I know, obviously, but like I said, it fills something inside of me being able to even give them something material because I didn\u2019t have that when I was growing up.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:07:11]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm. What else didn\u2019t you have?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:07:15]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Love.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:07:17]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Your dad wasn\u2019t around.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:07:20]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0No. I didn\u2019t have financial guidance. I didn\u2019t\u2013\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:07:24]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Do your daughters have their dad around?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:07:28]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:07:29]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. They have love from their parents?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:07:32]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Apparently present.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:07:36]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0What do you think they would choose? Uh, water park or having dad around?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:07:40]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Having me, no doubt. I am the best. At least the best to them.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:07:53]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I think you\u2019re right. But from you, looking back at your childhood, you had a really different perspective as an adult on what you saw. If we stopped right now, and I came back 20 years from now and I interviewed your daughters and I said, what do you remember about growing up as it relates to money? What would they tell me?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:08:20]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh, they would say we\u2019re messy,<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:08:22]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Keep going. What would they say they\u2019ve learned from their parents?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:08:25]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0That we\u2019re irresponsible with money.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:08:28]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh-huh. What else?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:08:29]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0That we\u2019ve abused credit and put ourselves in a hole that\u2019s going to be hella hard to dig out of.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:08:35]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0But you, Ryan, give them everything you want. Isn\u2019t that love?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:08:40]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Um, no, it\u2019s just, uh, it\u2019s just a feeling that I get from doing it. It\u2019s not the love though.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:08:48]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm. What is love? What would love be to show them love with money in a respectful way?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:08:56]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t even know how to answer that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:08:58]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Have you ever seen that done?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:09:01]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0No.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:09:02]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0 That\u2019s an honest answer. Kenna, have you ever seen money treated respectfully in a family?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:09:10]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0No.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:09:14]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Hmm. Did you know it about yourselves?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:09:18]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, I mean, some things you just don\u2019t like\u2013 I never thought about. I never thought in those terms. So, I mean, now looking back, hearing the question, I never saw any responsible people with money. I never had anybody trying to teach me the ins and outs, but up until hearing the question. I really never thought about it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:09:45]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0You two are trying to do the best you can with what you know, and part of that is, hey, we have some money because I went out and I made 400 bucks last month. Of course, I\u2019m going to get you this gift. Of course, I\u2019m going to take you to dinner. Of course, I\u2019m going to get you these toys. It\u2019s really simple. It\u2019s a simple way of looking at money.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:10:05]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:10:06]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0The problem is you\u2019re not living in a simple world. You have credit card interest rates that are probably above 20%. You have a mortgage with tons of phantom costs that you\u2019re not actually counting. You have debt you\u2019re paying the minimum for, which because of the nature of interest, you\u2019re not able to escape from that. So a simple mentality works in a simple world, but that\u2019s not the world you\u2019re actually living in. But what do you want to do about it?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:10:43]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Change it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:10:44]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0We got to stop spending so much.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:10:48]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:10:49]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0I mean, very simple.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:10:52]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. So the way that I see it, there are two big things that are affecting your financial spending. Two. Do you know what they are? No. We\u2019re looking at them right here. It\u2019s on the page. What are the big numbers here? One of them is very obvious.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:11:17]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Our guilt-free spending.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:11:18]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Uh, that we already talked about. We didn\u2019t even really factor it in because I\u2019m just like you guys are spending so much on that we can\u2019t even really count it. But yes, we fixed your guilt-free spending. But there are two big things that are causing the financial stress. One of them is in your fixed costs. What\u2019s the biggest number there?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:11:35]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Our mortgage.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:11:36]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Our mortgage.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:11:36]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Correct. That\u2019s number one. And number two is your income. And why is your income what it is? Because you\u2019ve both said this multiple times today, you agreed you don\u2019t want to have somebody else raise your kids.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:11:53]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:11:55]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Fair enough. That\u2019s a value. I\u2019m not here to tell you what\u2019s right or wrong, but it is causing you to not be able to make as much as you ordinarily would.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:04]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:04]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And guess what? Back in the day, that was actually perfectly fine. Didn\u2019t both of you grow up with one primary earner and the other person stayed at home?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:12]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:13]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And do you think maybe that affected the way that you see how you raise kids and make money?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:16]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Absolutely.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:18]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0100%<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&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\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0And yet you live in Denver. It\u2019s not cheap.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:22]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0No.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:23]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Housing is expensive. Food is expensive. All these expenses, if you were to go back and talk to your parents, they\u2019d be like, are you kidding me? There\u2019s no way.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:31]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:32]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0So you are playing a one earner game in a two earner world.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:37]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0We know that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:39]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Mm-hmm.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:40]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0And we\u2019re trying to fight tooth and nail to not be part of\u2013 we\u2019re not the norm.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:47]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I got you. You\u2019re not the norm in the sense that one of you is staying home. I mean, and it\u2019s stay-at-dad.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:52]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:53]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Quite unusual.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:12:54]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s what I mean. A lot of people we know, they\u2019re just like sign to the fact that their kids are going to be in daycare, and they\u2019re going to be both working, and they have the extra money to do all this stuff, and we\u2019re not willing to sacrifice that. These girls are too important to us.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:13:09]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Okay. So then how do you want to get on financial track?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:13:16]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Oh man. I guess I have to take on a little bit more for work. I guess instead of $400, I need to get myself a 30 hour a week job so I can increase that to a $1,000 a week.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:13:37]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. And, uh, what would happen to that, uh, fixed cost number, Ryan? What do you see?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:13:41]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0It went down to 56%.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:13:43]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Wow. Um, whether or not you agree to do that, I would like everyone to give everyone a round of applause because wow, that was a breakthrough. At least you know it\u2019s an option. Not saying you got to do it, but you just created one path towards relief.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:14:04]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, and I think in my mind, yes, it\u2019s a lot now, but if we did that, we would have way more money to put towards the debt, and the debt would be paid off sooner, so then you wouldn\u2019t have to work 30 hours a week for that long.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:14:18]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0So if my income went up, there is no reason for that income to go to your side for things that you\u2019ve already got control of. I can just\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:14:28]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Well, and we could put those\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:14:29]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0I mean, even if it was conservative that I made a $1,000 extra a month, that\u2019s still a $1,000 in payments a month. And then we\u2019re talking in four months, one of the credit cards is gone.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:14:42]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Before that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:14:43]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0And four months later another credit card is gone. But it sucks in the meantime for me because I have worked so much and missed out on so much with the girls that I\u2019m really relishing in what I have right now.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:14:58]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Can you connect with what your rich life is and what Kenna\u2019s rich life is? And also how you want to raise your girls? What lessons you want to teach them? Would this help that vision, or would this decision hurt that vision?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:15:17]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s something I would need to think on. I mean, I lean towards help.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:15:23]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. If you decided to do this, Ryan, to work a little bit more, what would you tell your daughters? Visualize it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:15:35]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0I would just tell them, you already know what this is because you\u2019ve seen this life before and I\u2019m just doing this in a short term<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:15:42]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0I don\u2019t want that. I don\u2019t want anything\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:15:44]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0I know you don\u2019t want to, but you asked me what I would do.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:15:47]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0That\u2019s the old Ryan. I want the new Ryan who\u2019s thinking, what are my daughters going to say when Ramit interviews them in 20 years? You have the chance to create their experience for them. And if you say, you know this, you\u2019ve seen this, there\u2019s no magic to that.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Yeah. It\u2019s no magic. It\u2019s just so perfunctory. Ah, you\u2019ve seen this, blah, blah, blah. Just a chance to create magic. It\u2019s like the first time you took them on an airplane. Oh my God, there\u2019s going to be the pilot. Then they\u2019re going to give you peanuts. It\u2019s like, whew. As an adult who really gives a shit. But as a kid it\u2019s like, oh my God, this crazy.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:16:22]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. Mind blowing.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:16:23]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. So do that. Again, let\u2019s assume you work more. Maybe it\u2019s 20, maybe it\u2019s 30 hours. What would you tell them?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:16:32]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0We\u2019ve put ourselves in a bad spot financially, and we\u2019re going to dig ourselves out, and I\u2019m going to sacrifice a little bit of time so that I can make sure we\u2019re in a better place, that we\u2019re not in the same place next year. That I don\u2019t have to come and talk to Ramit, get all emotional, we can talk and be happy for all the steps that we\u2019ve made.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:16:57]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Kenna, what do you think about that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:17:03]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0I love it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:17:04]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. What do you love about it?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:17:07]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0I just feel like he\u2019s invested. He believes that there\u2019s a way out and he sees the light, even if it\u2019s really, really small, that he sees the light.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:17:18]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:17:19]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0Because the way that I was expressing it, it wasn\u2019t resonating with him. It wasn\u2019t hitting what it\u2019s hitting right now.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:17:29]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Okay. Ryan, you could do the thing that you just said with your daughters. It\u2019s heartfelt. It\u2019s a little depressing. I mean, if my dad starts crying, as a seven year old girl, I\u2019m going to start crying. Okay. Now maybe that\u2019s going to happen, but maybe I can give you another tool, another way.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">You say, you know what, uh, mom and I are going to make some changes. And we sat down and we started reading a book on money. And we like money. We use money to pay for our beautiful house. We use money to send you to play soccer. Money is important to us, but the only thing more important to us is our family.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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 we sat down and mom and I talked about how we want to spend our money. And we know that we overspent. It\u2019s like if you have a $100 and you go to the sport and we spent $120, it\u2019s not good. But we realized it. We logged into our bank account and we caught it. And so we are going to work a little extra so that we can pay off all of our debt and we can start fresh. We\u2019re going to be able to spend more time together, but for a little while, I\u2019m going to have to work a little bit more. How do you feel about that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:18:56]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0They\u2019re pretty intelligent kids, so they\u2019ll understand right away.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:19:01]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0They\u2019ll get it. And what do you think they\u2019ll feel?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:19:05]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0They\u2019ll feel that feeling that we\u2019re willing to do whatever we have to do. We\u2019re trying to set them up for success.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:19:14]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Yes. Ryan, you get the chance to teach them an incredibly valuable lesson. Incredibly valuable. Which is that?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:19:23]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Yeah. One that we weren\u2019t taught.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:19:24]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Exactly. Parents make mistakes sometimes, but only a very small amount of them actually admit that. And hardly any of them ever talk about it with their kids. What do you think your kids will remember 20 years from now about that lesson? When I talk to them 20 years from now, what lesson are they going to remember?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:19:46]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Don\u2019t overspend.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:19:48]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Don\u2019t overspend. And if you do, how do you get out it?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:19:51]\u00a0<\/span><b><span data-contrast=\"none\">Ryan:<\/span><\/b><span data-contrast=\"none\">\u00a0Work a little harder.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:19:52]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Work a little harder.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:19:54]\u00a0<\/span><b><span data-contrast=\"none\">Kenna:<\/span><\/b><span data-contrast=\"none\">\u00a0You admit it. You admit it, and you work harder.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:19:58]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Now that is a lesson.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Narration]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[01:20:02]\u00a0<\/span><b><span data-contrast=\"none\">Ramit:<\/span><\/b><span data-contrast=\"none\">\u00a0Here\u2019s what Kenna and Ryan had to say after our call. \u201cHi, Ramit. Thank you so much for speaking with us. It was fun, informative, and a bonding experience that we truly needed. We listened to your recommendation and didn\u2019t talk about money after the interview, even though Ryan kept bringing it up, which is not typical, but he was excited. Ryan was excited to talk about money. What did you do to my husband? We are really running with the Financial Freedom Fest and are scheduling Financial Freedom Fest updates at the end of every month so we can track our debt payoff progress.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u201cOur first monthly meeting went well. It feels so good to be working towards this as a team for the first time in our lives together.\u201d They also told me that Ryan is actively looking for a job that pays more and will offer more hours. Here\u2019s their quote. \u201cWe will have the tough conversations with our girls once he lands something, but even that doesn\u2019t feel terrible anymore.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u201cThe example you gave us made light bulbs go off in both of our minds. We are broke because of our kids, but we can live our richest lives because of them too.\u201d Then I got a more recent update. I want to share it with you. Kenna said, \u201cRyan started working three days a week delivering for Amazon. This will likely double his income each month.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u201cWe have plans to pay off our smallest credit cards with his first two paychecks and then continue to snowball the debt after that. We are also looking into all of our fixed costs and seeing where we can make big changes. I requested a review with my boss next week to talk about a timeline for a raise. I\u2019ve made a list of tasks I\u2019ve taken on and projects I\u2019ve completed to make asking for that raise easier. It feels like a new chapter has started in our lives and we have you to thank. Be ready for that calendar invite to celebrate our one year anniversary of the Financial Freedom Fest.\u201d<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Kenna and Ryan, well done. Thank you for sharing your story here on the I Will Teach You to Be Rich Podcast. For everybody listening, I want to invite you to take control of your money. Two ways that you can do it. One, DIY. Get my book from the library or any bookstore. It\u2019s called I Will Teach You to Be Rich, and within a few weeks, your money will be completely automated, and you will learn things about investing that will absolutely blow your mind. That\u2019s the nuts and bolts DIY version for your money.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Second, if you want help, if you want to get results faster, and if you want to get better results, join my coaching program, iwt.com\/moneycoaching. In that program, you will join hundreds of other people. You can share your money wins. You can ask your questions. You\u2019ll see people talking about credit card perks that you didn\u2019t even know about, and I answer questions live every single month. That\u2019s iwt.com\/moneycoaching. Regardless of what you choose, remember that you can take control of designing and living your rich life. Thanks for watching. Thanks for listening.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; Kenna and Ryan are 36 and 45. Up until recently, Ryan worked and Kenna stayed home with their kids. Now, with that earning dynamic flipped, they\u2019re facing new challenges with how they spend and save\u2014especially when it comes to their children. This episode is brought to you by: LMNT | LMNT is offering my [&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-119133","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\/119133","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=119133"}],"version-history":[{"count":0,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/119133\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media?parent=119133"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/categories?post=119133"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}