{"id":119151,"date":"2022-12-27T16:18:39","date_gmt":"2022-12-27T20:18:39","guid":{"rendered":"https:\/\/www.iwillteachyoutoberich.com\/?p=119151"},"modified":"2025-04-07T10:43:31","modified_gmt":"2025-04-07T14:43:31","slug":"75-jenee-dan","status":"publish","type":"post","link":"https:\/\/www.iwillteachyoutoberich.com\/75-jenee-dan\/","title":{"rendered":"Episode 75. \u201cWe 4x\u2019d our salary as COVID nurses. The experience haunts us. So does the money\u201d"},"content":{"rendered":"<p><iframe title=\"\u201cWe 4x'd our salary as COVID nurses. The experience, and the money, haunt us\u201d\" src=\"https:\/\/www.youtube.com\/embed\/dDN4YloqnUU\" width=\"100%\" height=\"400\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p><iframe style=\"border-radius: 12px;\" src=\"https:\/\/open.spotify.com\/embed\/episode\/4Arjhr86Bwh6Ixa750X8FE?utm_source=generator\" width=\"100%\" height=\"352\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p aria-level=\"4\">Jenee and Dan are 31 and 34. They\u2019ve been married for three years and they\u2019re travel nurses, moving from city to city to alleviate workforce pressures. During the pandemic, they earned up to 4X their salaries, allowing them to pay off their debts\u2014but at a huge emotional and mental cost.<\/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:\/\/www.iwillteachyoutoberich.com\/l-money-made-easy\/\"><span data-contrast=\"none\">Money Made Easy Mini Course<\/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:\/\/www.iwillteachyoutoberich.com\/landing-conscious-spending\/\"><span data-contrast=\"none\">Conscious Spending Plan<\/span><\/a><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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\">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;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:375,&quot;335559739&quot;:375,&quot;335559740&quot;:768}\">\u00a0<\/span><\/h2>\n<p><a href=\"https:\/\/drive.google.com\/file\/d\/1N8meaXuJ5LDjrwwqKBWE4K0pprJs24lG\/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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:00:00] I feel pretty stupid, to be honest, about money. We paid off everything. We checked all the boxes that we had agreed we needed to check off. I don\u2019t know what to do. It\u2019s like a dog chasing a car, and I finally caught it. I don\u2019t know what I\u2019m doing, and I feel pretty shitty about that and embarrassed, to be honest.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:00:15] He got hit with the IRS bill one month before we were supposed to be leaving for our wedding, which was international. So unless we paid that debt, I wasn\u2019t going to have a groom at my own wedding. It was really tough. It was really tough.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:00:38] You still feel resentment from 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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:00:42] I feel like it\u2019s hard to not. I think I just struggle with how it started and feeling like if I don\u2019t keep control over everything, that he\u2019s going to make another bad decision. I still feel very alone in 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\">[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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:00:55] Jenee and Dan are 31 and 34 years old. They\u2019ve been married for three years, and they are both nurses. During COVID, they became travel nurses and they were moving from city to city to help with COVID in very difficult circumstances. As travel nurses, their income skyrocketed and suddenly their financial situation has completely changed.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">But they can\u2019t seem to change the way they talk about money, and the way they feel about money. If you have the time to quietly listen to this episode, I would highly recommend it. And I want to remind you that we now feature this podcast on YouTube, so you can actually watch Dan and Jenee throughout today\u2019s 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\">[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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:01:38] We had set together a financial goal to be debt free, and Dan\u2019s Rich Life is to own this, in my opinion, expensive car. And I\u2019m not a car person, so I don\u2019t get it. And that\u2019s Dan\u2019s Rich Life, not my Rich Life, but I\u2019m here to support it. But it was always far off like, \u201cYeah, okay. When we get this goal, then we can talk about this.\u201d\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">And we ended up reaching that goal, way faster than I even anticipated and had the money psychology built up for. So Dan and I started talking about, okay, so how do we transition now to your Rich Life? And I just lost 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:02:30] \u201cLost it\u201d means what?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:02:34] Borderline panic attack because we\u2019ve been so focused on saving and getting ourselves in a really great financial situation that the thought of spending\u2013 Dan, if it\u2019s okay to say like $150,000 on a car to me is just borderline nauseating.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:02:56] Is it really? Did you feel it physically?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:02:58] Yes. When I tell you I had almost a panic attack, like I\u2019m actually being serious. We had to stop the conversation because I couldn\u2019t handle going any further.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:03:11] And so was that the night that you filled out the application to speak 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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:03:16] Yes. So I had seen the email earlier while I was at work that you were looking for couples. And I was like, \u201cWow, we\u2019ll never qualify for that.\u201d Like, whatever. And then that night we had the argument. And I had a glass of wine and I was like, \u201cYou know what? Fuck it, I\u2019m going to fill this Ramit form.\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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:03:37] Wait a second. Hold on. Let\u2019s just clarify. Most people do not apply drunk to my podcast. I had a lot of screaming.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:03:42] I wasn\u2019t drunk.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:03:44] All right. Although that is pretty cool. People in the old days, they used to get wasted and go out to bars, and dah, dah. Now they get wasted and they apply to be on a podcast. Wow. We really live in the modern times. What was it like having that conversation? Walk me through what happened in that conversation from your perspective.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:04:05] Coming into it, I was super excited to talk about it because I felt like she said, it was this far off dream. We\u2019d talk about it when we\u2019re 55 or 60 years old when we\u2019ve paid off everything and debt free. So I\u2019m just super stoked to be talking about at this point in my life. I\u2019m like, it\u2019s coming way faster than I thought.\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\">We\u2019ve paid off everything. We\u2019ve checked all the boxes that we had agreed we needed to check off before we could even talk about this car. So I was super excited going into it, but then when I saw how uneasy it was making her and\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:04:38] Wait. Wait. Hold on. Don\u2019t skip the important part. How did you bring up this car?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:04:44] Oh, man. I talk about it every 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:04:46] What\u2019s the car?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:04:48] You don\u2019t talk about it to me every day, to be 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:04:51] True. It\u2019s an Audi R8.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:04:54] Audi R8?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:04:56] Yeah. 2017 or newer. You can pull 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:04:58] Audi R8. Let me just look at this thing.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:05:02] Look like a 2020.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:05:03] Okay. Sports car.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:05:04] 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:05:04] 7.5 out of 10 in car and driver. Okay, hold on price. What is the price? 150K? Is that what you said?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:05:14] Yeah, for a used 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:05:15] Okay. All right. [Inaudible].<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:05:16] For a used one for me, Ramit. For used.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:05:20] 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:05:21] What is it about this car that gets you excited, Dan?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:05:24] I love to drive and this car has been out since 2008 when I was stocking boxes at Walmart overnight and riding my bicycle to college before I came a nurse and I saw this one doctor roll up in it. I don\u2019t know why he was at Walmart at 5:00 in the morning, but he rolled up in it. I was pushing carts and I was like, \u201cMan, that is the coolest thing I\u2019ve ever seen.\u201d And I had just come out in America.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">I\u2019d been out in Europe for a while, and ever since then I\u2019ve just been in love and infatuated with the car. And every time they make a new model, it gets better and better. And I\u2019m like, \u201cThat\u2019s the one I want and I\u2019ll do anything to get it.\u201d And I\u2019ve been working towards it ever since, slowly but surely.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:06:05] Cool. I like hearing that. So you go from stacking boxes at WalMart, you see this car, and then 12 years later or so, you\u2019ve paid off your debt. You\u2019ve accomplished a lot with your finances. So you come into this conversation. And what did you say to Jenee?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:06:25] I said, \u201cHow can we save for this car? I think we can afford it now.\u201d I have the numbers crunched and I probably came out way too exciting, way too fast. 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:06:34] What do you remember happened next?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:06:37] Her face did a thing.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:06:41] Can we see that thing right now? Here. Watch this, Jenee, I\u2019ll be down for a second. Okay. It\u2019s time for the car. Audi R8. I think we can afford it. Is that it, Dan?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:06:57] 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:06:57] So how would you describe that face, Dan, that Jenee just 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:07:05] Disgusted.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:07:07] That\u2019s not my disgusted face.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:07:09] Okay. Not on the same page. 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:07:12] Not on the same page? I have something to say, but I\u2019m not sure how to say 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:07:18] I got a little disheartened, honestly. I thought we had talked about it and we were on the same page and we realized where we were at. And now this was a safe thing to talk about. And then I felt I\u2019d checked all the boxes like I said, and we\u2019re ready to do this now. And she\u2019s not 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\">And she wasn\u2019t really responding to what I was saying or in my enthusiasm at all. And I could tell right off the bat. So it was a little disheartening, but I felt I put in so much work and now I can finally save for what I want and, it\u2019s like, \u201cWait, hold up. No.\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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:07:52] And Jenee, looking back, would you change anything about how that conversation went? Do you still feel the same 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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:08:03] Yes, I still feel the same 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:08:04] And can you describe that in a sentence? When Dan says he wants to get that $150,000 car, what do you say?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:08:16] I think I\u2019ve been carrying the financial burden for a really long time, and I feel I\u2019m the one that got us out of debt. And it feels a little raw to finally have reached that goal and then to get hit with\u2013 if your dream car was not $150,000, maybe it would be a conversation. But it\u2019s just really hard for me to ever understand wanting to spend that much on a car.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:08:48] Is there a number that would be okay 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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:08:53] Probably not.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:08:54] Yeah. You came to me because Dan wants to buy $150,000 car. But I think that you have a very interesting financial situation. Can you walk me through where you used to be a few years ago and your finances?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:09:09] A few years ago, we actually just got married. It\u2019s going to be three years coming up. I was in debt. I had $30,000 worth of debt. It was a car loan, it was student loans from nursing, and then I owe the IRS some money from a stupid mistake that I made. And you\u2019ll kick my ass when I tell you. But I pulled money out of my 401K early to pay the down payment on my first house. Yeah.\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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:09:35] What? Why did you do\u2013 wait, hold on. You pulled out 401K for the down payment on the house or the IRS 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:09:42] No, down payment on the house. And then I thought I had paid the penalty and I didn\u2019t. And so then I got hit with $9,000 bill a few years later from the IRS saying you never paid the penalty.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:09:53] Can I interject real quick? He got hit with the IRS bill one month before we were supposed to be leaving for our wedding, which was international. So unless we paid that debt, I wasn\u2019t going to have a groom at my own wedding.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:10:15] Oh. How did that make you 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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:10:18] Can you see my face?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:10:20] I want to hear you say it, 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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:10:22] This cost was incurred from his first marriage. And so me as this second marriage, feeling I had to bail out my husband so he could show up at the altar was really difficult, especially since I was walking into a relationship, having been hellbent on, having no debt and not needing to feel a burden. And then I got hit with, I need to pay off the IRS so my own husband could show up at our wedding. It was really tough. It was really tough.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:11:06] You still feel resentment from 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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:11:10] I feel it\u2019s hard than not.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:11:11] A lot of the couples I talk to have this scenario in common. One of them made a certain financial decision years ago, and now the other is still resentful about it. That decision might be having secret debt or needing a financial bailout for some irresponsible decision, whatever. But years later, even though the financial part of it might be solved, the emotional scars remain.\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\">And you hear it in the way the other partner talks about it, very much like Jenee. She says, it\u2019s hard not to feel resentment. I think we can all understand that. We can all understand what it\u2019s like to have a partner do something that we can\u2019t forget about.\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\">And I wanted to reflect on the idea that one thing we are never taught is how to heal. Let\u2019s say something bad happens financially speaking, like a partner hiding debt. Let\u2019s even say that you decide to make it work. Your partner pays the money back. They apologize. They do everything right.\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\">But who teaches us how to heal? Are we simply supposed to try to squash our feelings? Do we just try to ignore it? Is it just about time? I think this is where a great therapist can help. There are excellent strategies out there on how to heal, how to rewrite the way you think about a scenario, whether it\u2019s months ago or even years ago. And I just wanted to highlight this because it\u2019s a very common scenario that goes beyond money into the deeply emotional.\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\">The real problem is that it started off the financial relationship in an unhealthy way. Would that be accurate to say?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:12:50] Absolutely.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:12:52] 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:12:52] And Jenee, what was your financial situation when you got 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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:12:56] I don\u2019t even remember. Dan, do you? I was 100% in the positive. I had no debts. I had paid off all of my car. I had traveled extensively and I had lived the life that I really wanted to before I got married. So we just came from very different backgrounds getting married, 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:13:20] Yeah, she had a paid off card, $25,000 in the bank and was renting an apartment at the 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:13:26] Okay. Fast forward from there to here, what was the big thing that changed for the two of 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:13:32] So everything and all elaborate. We have no debt. We have, I think, like $50,000 investments, $50,000 in savings. We\u2019ve paid off our house in full and it\u2019s worth $600,000 right now. And we both have high paying jobs, and very little month to month bills. We just have the basics that everybody has. So everything\u2019s changed. We\u2019ve paid everything off.\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\">And it all changed when we read your book, to be honest. Not to just brag for you, but it really did. She was reading your book during the pandemic when we were separated. She was in Baltimore working really hard. I was working in California. It just put structure into our lives and it was a very attainable series of tasks that you could do, that I could complete.\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\">And you walked us through everything. And so now everything\u2019s automated and we don\u2019t spend time looking at our bank account and balancing a checkbook and all that stuff. I just pays, it does it all for it. We just have to put money in and we can do that. Money\u2019s not been our stressor since that happened. Other things outside of money have been our main stressors. And I love that, and we both are so grateful.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:14:56] Yeah, super grateful. Money was very contentious in our relationship in the beginning. To elaborate on what Dan is saying, I used to feel very offended by how he would spend money and I would micromanage it because I was running the finances and I felt I was the only one that knew how to do finances since we came in the way that we did which has since changed.\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\">But having the mutual guilt free and having his guilt free and my guilt free, where I don\u2019t get a say on how he spends his money, that was huge for us and really, really helped our relationship a lot because he could spend his money even if I thought it was really stupid, but I didn\u2019t get a say on it. And that was really important as far as moving us forward out of constantly fighting about finances.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:15:51] That\u2019s amazing. That\u2019s one of my favorite things that I\u2019ve heard from the two of you it\u2019s, there are very good people who get into very bad fights and they think that it\u2019s a personality issue. And they get mad at their partner, and they never realize that it\u2019s a structural issue that\u2019s invisible. It\u2019s like somebody getting mad at themselves for not taking 10,000 steps. Well, you live right near a freeway overpass. It\u2019s really hard to go walking without fear of getting run over by a truck.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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 a structural issue. And so when you change the way that you set up your finances together, and you each have your own guilt free spending, the fighting just vanishes overnight on that topic. And you two, are living proof of that. So congratulations. That\u2019s outstanding.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:16:41] Thank you. 100%. We\u2019re witnesses 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:16:45] It\u2019s exciting. It\u2019s really exciting and designing our Rich Life together, it just felt like this would never come. And being able to do it together, it\u2019s made us stronger as a couple. Just aligning ourselves and being on the same page with working towards something it\u2019s 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:17:03] That\u2019s awesome. Well, I\u2019m thrilled. I\u2019m thrilled. And congratulations for paying off that debt, and getting in such an enviable financial position at such a young age. I see, Jenee, 31 and Dan, you\u2019re 34. Gosh, you\u2019re set up right. How do you both feel about your finances today if you had to describe it in a word?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:17:23] Unsure.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:17:24] Unsure. 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:17:26] And Jenee?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:17:27] I was going to say proud.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:17:30] It\u2019s interesting, isn\u2019t 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:17:31] We only got one word. I\u2019m very proud too. I don\u2019t know what to do. It\u2019s like a dog chasing a car, and I finally caught it. I don\u2019t know what I\u2019m doing. Where do I go from 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:17:42] So is that the question today, is we\u2019ve accomplished more than we ever thought, but now we\u2019re not sure what the next chapter should be?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:17:52] Yeah, absolutely.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:17:54] Yes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:17:55] Well this is one of the reasons that I do what I do. That I\u2019m so excited to be able to help you design your Rich Life, and then to use money to live it. Very few people teach money in a way that connects with people, that excites them. And so when I looked around at all the books out there, most of it was somebody older telling me all the things I couldn\u2019t do 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 the journal that I recently created helps you and maybe your partner sit down and dream about money. I call it the No Numbers journal because there\u2019s not a bunch of compound interest charts in there. It\u2019s really questions like, who do we admire about money? What do we want to spend more money on? What would make us feel amazing if we could never have to worry about it financially speaking again?\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 the journal is an amazing way whether you do it solo or whether you do it with a partner, to really dream and create a vision around your Rich Life. Then of course, it\u2019s not just about dreaming. Otherwise this would be a life coach show.\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\">It\u2019s about actually putting it into practice. And that means you need to use money, and understand the language of money in order to live your Rich Life. Automate your finances, get your investments set up, spend less than one hour per month on all of your money, and even understand these intricate questions like, if I\u2019ve got $5,000, should I invest it at once or should I dollar cost average it? How do I buy a car? Should I buy a house?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">These questions are` all answered in I Will Teach You to Be Rich, my book. I\u2019m going to link both of these in the show notes. But if you\u2019ve been waiting for the right time to take control of your money, get the books, start using them, and in six weeks you will see a massive transformation.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:19:43] I wasn\u2019t even sure I wanted to come on here, to be honest. I didn\u2019t even know she applied. I found out that she applied\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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:19:51] Which caused a lot of fights, to be honest.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:19:53] What fights?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:19:55] She applied after talking about the car, but hadn\u2019t told me and had told me one morning that we had qualified for an interview with your associate. And that\u2019s when I found out, and then a week later, we\u2019re here and I was not even sure I wanted to come on because I\u2019m super nervous. I didn\u2019t know 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:20:16] Nervous about what?\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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:20:16] Just putting all my business out there, and I feel pretty stupid, to be honest, about money. And I feel I\u2019m going to get my ass handed to me by Ramit. I\u2019m not sure I\u2019m ready for 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:20:28] Why do you feel stupid about money? You make a very good income. You have paid off house. You used to push carts at WalMart, and now you\u2019re taking home six figures. Why do you feel stupid about money?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:20:43] Growing up, I didn\u2019t get taught a whole lot about what to do. I was shown what not to do, and I didn\u2019t even have a credit card until Jenee\u00a0 and I got together. I was told credit cards are bad. You\u2019re going to go in debt. And that\u2019s what my parents did. They were in a whole lot of credit card debt. They were always in debt. Money was always a really sore spot.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">And it was something we didn\u2019t talk about growing up. It was once a month, my dad laid out all the bills and receipts on the kitchen table, and you didn\u2019t go in the kitchen that whole night. You didn\u2019t talk to him. You went to your room or you went to your friend\u2019s 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:21:22] 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:21:23] Because there\u2019s going to be a fight. My dad was never in a good mood.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:21:27] And when did you start feeling good about money? Do you feel good today 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:21:33] I feel good with how much I have. I don\u2019t feel I have as much knowledge as I should or know enough. I don\u2019t feel like I know what I should know at this age of my life, and I feel pretty shitty about that and embarrassed, to be honest.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:21:47] How would you have known?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:21:50] Google. This day and age, I could have read a book. I could have done something\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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:21:54] You did read a book.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:21:55] I did. You\u2019re right. But until this point, I can only blame my parents so much, but I didn\u2019t do anything about it either. And I feel pretty embarrassed about that. And pulling out of my 401K, looking back, I\u2019m like, \u201cHow stupid are you? Why would you do that?\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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:22:12] Look, the kitchen example was a really telling example. When everybody in a family knows you avoid dad and you avoid this room on this specific night of the month, you know that that\u2019s real. You know that money is a very sore subject. The fact that you worked at WalMart, the fact that you didn\u2019t have a credit card until you got together, it all paints a picture. You were not raised learning about money. You were not raised with healthy financial models.\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\">Okay. Sure, you could have gone on Google. You could have done a lot of things. I agree. You could have. And I do think we should take personal responsibility. But the story gets interesting because you actually did read a book. You actually did go to nursing school and improve your career, which is a huge part of finance, is improving your earning ability.\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\">Now, did you read the technical mambo jambo about 401K withdrawals? No. Was that a mistake? Probably. In the grand scheme, is it a killer? No. You make enough in a month to make up for that 401K penalty. And you\u2019re young. So, in my opinion, the fact that you have come as far as you\u2019ve come, the fact that you had the courage to come on this show, to me, that is more than enough to make up for not having parents who taught you about money and not having reached out on Google.\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\">Sometimes I think it helps to have somebody give you an outside perspective. And my outside perspective, Dan, is that you\u2019re doing pretty well with your money.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:23:51] Absolutely. And if I can brag on him, he is not painting the full picture. He was going to nursing school all during the day and then working all night at WalMart to pay for nursing school.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:24:05] It\u2019s 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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:24:07] This guy, when he puts his mind to something, it\u2019s incredible.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:24:11] How did you go from three years ago having debt to paying off the house and having a bunch of money in savings and investments? What happened?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:24:21] To be honest, COVID. We\u2019re both critical care nurses. I\u2019ve been a nurse for 10 years, and she\u2019s been a nurse for just about that amount of time. And we do travel nursing and it\u2019s a little bit more lucrative than just normal nursing. It comes with a cost.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:24:37] What\u2019s the difference? What\u2019s the difference in how much 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:24:41] It just depends on where you work. But here in Southern California, I was taking home on a staff job, a permanent staff job, I did take home about $1,200 a week and then travel nursing before COVID, you can take home about $2,000 to $2,500 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:24:58] So you doubled your income during COVID? And that was\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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:25:03] During COVID, we tripled, quadrupled because of the demand and supply.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:25:10] Would you travel to different cities?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:25:12] 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:25:13] I ended up going to Baltimore by myself for about six months to work out on the East Coast while they were overwhelmed. And\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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:25:25] What was like 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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:25:26] Ironically, it was awful. It was awful. I can\u2019t describe the mindfuck that happened because I would walk past a truck full\u2013 literally, we had a semi truck that was turned into a cooler and all the dead bodies were just piled in it. And that\u2019s where you would walk past in the morning walking in, and then we had over 80 people on ventilators, which in a normal world would be like 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\">And then you had the mindfuck of people not believing COVID is real. And I got my life threatened. I had people tell me they were going to kill and rape me on my way back to my car because their loved one was in the ICU and and it wasn\u2019t safe for them to leave. And people didn\u2019t believe that. I don\u2019t even know how to explain it. I go to the gas station and just try and fill up gas in my car and I had someone spit on me at the gas station.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:26:44] What?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:26:44] Yeah, because I was in scrubs and they felt it was a conspiracy. You got told on the social media and on news that you are a health care hero and then your reality was just so different. And then you were also terrified because you were constantly in contact with something that you didn\u2019t understand and you just were trying so hard to to keep people alive because that\u2019s my job and that\u2019s all I am trained 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\">And you feel like a failure when someone doesn\u2019t stay alive, and to be that person that has to call the family and face time with them because we couldn\u2019t let families in. I can\u2019t even tell you how many hundreds of hands I held as they died because their family couldn\u2019t be there.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">I know that we made a really amazing financial decision through the pandemic, but I genuinely believe people will never understand what it cost. And I\u2019m not even being dramatic. I\u2019m sorry. Two, three years later, it\u2019s still really, really, really hard to talk about.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:28:00] Yeah. I can see that. We on the outside, we saw videos of the trailers outside the New York hospitals, but that was it. We never saw inside the COVID ward. And Dan, I can see even your reaction as Jenee is talking, and I\u2019m sure that it hit you as hard. I\u2019m sorry you both had to go through that. I\u2019m sorry every nurse and every doctor and everyone in the medical field had to go through that. We will never understand it from out 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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:28:37] Yeah, I think a majority of the critical care nurses now are on meds to help 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:28:47] Really?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:28:48] I would say 80% is the research that\u2019s been done. I developed PTSD. I developed panic attacks, which I\u2019d never had before in my life. And that was something Dan really had to help me through.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:29:06] You\u2019re getting help for that 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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:29:07] Yeah. Yeah. I have an amazing counselor. I have a phenomenal PTSD certified counselor.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:29:14] Good, 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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:29:17] Which I think I heard in a podcast you had brought up cognitive therapy.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:29:23] Yeah, CBT.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:29:25] Yes. I\u2019m actually doing that for\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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:29:27] That\u2019s good. That\u2019s really good. I\u2019m really happy to hear that. And Dan, how are you 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:29:36] It hit me pretty hard. COVID was killing people left and right. I would say it just wasn\u2019t. I don\u2019t have PTSD and I\u2019ll never understand some of the stuff she went through. I\u2019m just angry and I feel guilty sometimes that it wasn\u2019t me out there instead of her. I didn\u2019t know what cost it was going to come with. Otherwise, I don\u2019t think we would have sent her out there. And I just feel guilty half the time that she\u2019s dealing with this and struggling with this every day. I\u2019m doing okay. I really am. It\u2019s it\u2019s harder for me to see her struggle more than 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:30:14] All right. Let\u2019s take just a 60 second break and then we\u2019ll come right back. Just stand by.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:30:23] Come give me 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\">[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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:30:26] I still find it hard to listen to that clip. At the end of it, I felt like we all needed to take a minute, me included. And so I suggested that we take a break and come back. And we did. And a week later, one of my colleagues reviewed the video and she said, \u201cDo you know what happened during that break?\u201d I said, \u201cNo, I was out of the room.\u201d She said, they both got up and hugged each other. If you had the chance to watch it, I would encourage you 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\">One of the things that this show has done in a way that even I did not expect was to go far beyond the numbers on a page and to really remind us that a Rich Life is about more than what\u2019s in Excel, more than what\u2019s in your bank. It\u2019s deeply emotional. Money touches every part of what we do and who we are. And so when I\u2019m talking to Dan and Jenee, I\u2019m not just looking at what\u2019s in their conscious spending plan. We have to understand how they got to this situation and in their case, how they made this money.\u00a0<\/span><br \/>\n<span data-contrast=\"none\">So in my conversation with them, I wanted to acknowledge how difficult that must have been, even though I can never fully understand it. And then I wanted to gently bring us back to their financial situation.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[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\">The numbers that we\u2019re going to talk about are not just numbers that came out of thin air. They came in a context and I need to understand how that happened so that I can understand what your feelings are about money. So while you were COVID nurses and traveling nurses during COVID, your pay went way up. How much did you say it changed from your normal standard 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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:32:25] Triple to quadruple.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:32:26] Okay. And how did you feel about making quadruple what you used to 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:32:33] It didn\u2019t feel real.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:32:35] Yeah. It didn\u2019t feel like enough sometimes for\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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:32:38] What you were 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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:32:39] 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:32:40] Okay, so you started making all this money. And what did you do with 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:32:48] We put it all up to house, paid off any debts. We paid off both our cars.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:32:54] You paid off your house? How fast?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:32:55] We bought it. Well, we bought it in June of 2019, and we paid it off two months ago, so 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:33:04] Why did 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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:33:09] Ironically, we use your psychology, which this wouldn\u2019t be your advice, but we used your psychology. What is your Rich Life? For us with how uncertain everything was and how it just felt like the world was crumbling underneath us and we didn\u2019t even live together for the first year of our marriage, I\u2019ll say I wanted to feel like that we had something concrete that if the whole world crumbled beneath us, that we had someplace to go to that we could be safe at and financially safe at.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">And so Dan, very graciously agreed to work with me on that because he would have preferred to have put it into investments and savings. But given our background and the fact I think at this point I was in Texas, so we still weren\u2019t living together and we just decided to put all of our extra funds into the house. So that way, if the day comes that we both are burned out and we both can\u2019t fathom going to work, we have a safe place to do that. And we have a place with very minimal overhead, like we could both work at Subway and still make our payments because all we have is our electric and our gas.\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 it was very unconventional. But when we sat down and looked at what is our Rich Life right now look like, that was our Rich Life is just to feel safe and to feel we could transition out of our field if we both felt it was better for our 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:35:07] Yeah, well, I think you made the right decision. Rich Life isn\u2019t always about the numbers. It\u2019s really not. And I really applaud you. You did use my psychology. You just adapted it for your situation. And that is the highest use of creating a Rich Life, is adapting advice from people you trust for your own situation. I can\u2019t fathom what it\u2019s like to be talking to my partner and say we might be burned out and never work at this income level again. We need to plan for 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:35:42] 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:35:42] So well 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:35:44] It was an exit strategy, to be honest, if we needed 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:35:48] There are not a lot of people who consider an exit strategy at the age of 29, but really, because of your extraordinary circumstances, you had to. And so you took that quadrupled income and you paid off the house. Okay, great. So you have a paid off house, which is worth, what? 600,000, did you say?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:36:07] Yes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:36:07] And how much are you making now compared to what you used to make pre-COVID?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:36:15] She\u2019s making a good amount. She works in cath lab. I think she\u2019s averaging about $4,000 to $4,500 a week take 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:36:23] Wait, what\u2019s up at this week thing? Why do you guys talk on a weekly basis?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:36:27] It\u2019s the travel nursing lingo. So we\u2019re both still travel nurses.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:36:31] 100 times $50 to $234,000 take home. All right. That\u2019s pretty good. Really good. And Dan, what about 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:36:41] Up until this week, I was taking home about $5,300 a week. But it\u2019s dip and down. I work at ICU still, so it\u2019s going to dip down to about $2,000, $2,500 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:36:51] Well, that\u2019s a big jump. So it\u2019s going to cut\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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:36:53] Yeah. So it was really ironic, the timing of this podcast because we definitely found out this news this past weekend and\u2013<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:37:02] Oh, no, that\u2019s good. I think it\u2019s great. Look, times are going to change. Finances are going to change. We\u2019ll take it when we can get it. So the two of you take home around $340,000 a year. Okay, Is that fair to say?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:37:16] Yes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:37:17] Yeah. I think that\u2019s pretty stable.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:37:19] What other expenses do you have? Anything big? The cars are paid off. What?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:37:24] Yeah. Everything\u2019s paid 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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:37:25] Yeah. Everything\u2019s paid 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:37:26] We also rent a house close to the hospital because she has to be close enough if she gets called in. She does get heart attacks and strokes. So that rent costs a lot.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:37:35] 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:37:35] $5,000 a month.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:37:37] It\u2019s actually more. It\u2019s $5,200, not including utilities. So we\u2019re in the LA area. I know that you can understand 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\">[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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:37:48] Yeah, yeah, yeah. Let\u2019s recap on the numbers very quickly. Jenee brings home $234,000 after tax. Dan\u2019s income is about to be cut in half. He\u2019s going to make $106,000 after tax. That\u2019s about $340,000 a year household income post tax. Their cars are paid off. They paid off their $600,000 house and they rent another one closer to the hospital for about $5,000 a month. Okay, now what?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[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\">So the question is what? What do you do with this money 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:38:24] I\u2019m very happy. I\u2019m super thankful. And I know how fortunate I am to be in this position. I just don\u2019t feel I\u2019m allowed to spend it and I don\u2019t feel like I\u2019m\u2013 I won\u2019t say worthy, but I just don\u2019t feel I deserve it and I don\u2019t deserve to spend it. And I know some of that comes out of probably guilt for the way we got here and what Jenee went through and her bailing me out our first year in marriage.\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\">And I feel like I owe her still and I don\u2019t feel I deserve my Rich Life. Sometimes I feel she should get hers first if we have to decide. And I see how uneasy it makes her, the face she makes when I talk about the car. And that makes me want to not get it and not go for it because I don\u2019t want to make her feel unsafe.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:39:17] I struggle with feeling safe only because we both are still travel nurses and we won\u2019t do this forever. I think the average travel nurse career is two years. And the fact that we\u2019re on six years, we\u2019re way above the average. So if we both were today to decide we\u2019re done, we want to take a staff job at a local hospital and just go on salaries, our money would be drastically different.\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\">And so there\u2019s a part of me that,as long as we\u2019re travel nurses, I guess I just never feel safe because it\u2019s not the real numbers, if that makes sense. It\u2019s just this temporary thing. And so for me, I just feel like it\u2019s not realistic that we\u2019ll do this forever. So this money is not forever. And so it\u2019s hard to build an expectation for your life when you don\u2019t have your real 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:40:17] Yeah. Dan, do you agree that the money you\u2019re making now is pretty much the top that you will make 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:40:25] Absolutely. As nurses, unless we went back to school and did something else. But in our field, yeah, I don\u2019t see it going above what it 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:40:32] That\u2019s a really interesting situation to be in, isn\u2019t it? Most people, especially if they\u2019re in their 30s, they\u2019re at the beginning of their career and they\u2019re looking up. And in your case, you\u2019ve reached the peak and there are real costs associated with being at where you are. So what do you do for the future?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Narration]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Jenee and Dan remind me of another group of people whose income peaks early in life. Can you think of who? They have a limited window of time. They\u2019re earning a tremendous amount of money and then suddenly it all goes away. Who is 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\">The answer, professional athletes. Athletes work demanding jobs. It\u2019s unsustainable on their body, and the savviest ones plan ahead for the next chapter of their lives. Now, just a quick note on some of the common things you hear about athletes. There are a bunch of stats about how 80% of NFL players go broke, etc. Here\u2019s my question to you. Wouldn\u2019t you? Think about it. Imagine you get into the NFL, NBA, whatever sport. Where would you have learned about a Roth IRA?\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\">90% of the people who come on this podcast haven\u2019t even read my book. Then you have very high expenses, very high. And I think this is where people on the outside look at athletes and they scoff. They take on this very superior, \u201cOh, if I did that, I would be saving 90% of my income. Look, there\u2019s this guy in the NFL who only stays at a cheap hotel while all of his other people, they spend all kinds of money.\u201d What a luxury to be able to judge other people about their 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\">There\u2019s a New York Times article called The $25,000 Rookie Dinner. This dinner is expected of NFL rookies. You\u2019ve got to pay for the more experienced players on the team. Well, it\u2019s easy to sit here across your arms saying, \u201cI would never do that.\u201d Oh, really? How many of you have bought a house because society told you to? How many of you wear the same exact clothes as everybody around you at work, in your neighborhood? You think that\u2019s just an accident? No. It\u2019s because we are social animals. We respond to the expectations around us.\u00a0<\/span><br \/>\n<span data-contrast=\"none\">To me, it makes perfect sense that athletes spend all their money. Nobody taught them about money. Their expenses suddenly skyrocket beyond mere mortals. And of course, they have a limited window of peak earnings, which, sitting back here, we can all sit here and say, \u201cOh, well, of course, I would compound it and I would invest heavily, dah, dah, dah.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">But when you\u2019re in it, the human mind finds it very comforting to imagine that high earnings will go on forever, just the same way that you imagine your great health will go on forever. It\u2019s very difficult for us to imagine that our future might involve worse outcomes. Again, with athletes, I\u2019m not saying it\u2019s right, but I understand 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\">Now to Jenee and Dan\u2019s numbers. I\u2019m going to walk through their conscious spending plan with them as we go line by line, and you can actually get a copy of that same conscious spending plan for your finances right from my show notes.\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\">So if you were to take the athlete analogy, the two of you are currently professional athletes, you can\u2019t do it forever, but you\u2019re doing it for now, what advice would you give to an athlete in your situation?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:44:07] More in saving, not savings, but more\u2013 I\u2019m going to try and say this again. Investments. 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:44:15] So basically, you haven\u2019t really thought strategically about your investments until this point because you\u2019ve been paying off the house. Is that correct?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:44:24] We\u2019ve been so tunnel visioned. 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:44:26] This is a great opportunity. We get to take a deep breath and zoom out. We get to really honestly analyze where you are. You\u2019re professional athletes. You\u2019re performing at a high level. It\u2019s not going to last forever. So therefore, what is the strategy? And then once you have that strategy, you can start figuring out, do you have access to this account or that account? You can go down the rabbit hole. How does that sound?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:44:54] It sounds 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:44:55] Let\u2019s look at the conscious spending plan. So if each of you can pull that up. Jenee, will you walk us through your net worth? So your assets are currently what?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:45:04] Our assets are about $650,000. We have about $52,000 in our actual investments. We have $50,000 in savings and then we have our house value and then both of our cars are paid 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:45:19] Okay, great. Your house is how much 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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:45:22] It fluctuates between $6 to $650 depending on the market.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:45:25] All right. Your gross monthly income is what? Let\u2019s go. Each person.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:45:37] So mine is about $22,000.<\/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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:45:41] Mh-hmm. And Dan?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:45:44] Mine was about $24 until this 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:45:46] And 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:45:49] It\u2019s going to go to $2,600 a week. And the reason we give you the net is because a lot of our money isn\u2019t taxed. So our gross and net are very close.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Narration]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:46:05] I need to pause here and point out the peculiar way that Dan and Jenee talk about money. They describe their earnings on a weekly basis. When I ask how much they make, Dan says it was $24 until this week. Are you catching those oddities? When we talk about money, we don\u2019t talk about weekly earnings. Weekly is too variable. We talk about annual gross income.\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\">It\u2019s like if I ask how big someone\u2019s house is. They\u2019re not going to say 430,000 inches. That\u2019s just fucking weird. You tell me how many square feet it is. If you want to get confident with money, you have to get competent with it. And part of that competence is learning the basic language of money. So if we talk about income, we talk about annual gross income.\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\">Now, next up, when I ask how much they make, if I were in Dan\u2019s position, I would say going forward, I\u2019ll make X dollars per year. What he made in the past isn\u2019t really relevant. And I have to admit, I missed this when I was talking to them. I really wish that I\u2019d dug in to why he insists on telling me what he used to earn. As I was listening to this conversation again, I was thinking to myself, is it ego? The idea that he has to point out how much he used to make, even though what he now makes is a lot less.\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\">Or is it a mistake in understanding that his new earnings will somehow skew our calculations? I don\u2019t know. I\u2019m fascinated with it. I wish I had caught this when it happened, but I missed 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\">[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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:47:42] So gross Dan, you\u2019re probably, what? $3,200 a week, so whatever that makes that. Does that sound about 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:47:50] That\u2019s what it\u2019s going to be. It was $6,700 a week gross, is what I was making. But that\u2019s changing.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:47:57] As you to calculate this, I want to share something. For everybody listening, the reason it\u2019s important to get these numbers all standardized is that you want to be working with the same numbers. Everybody. So if it\u2019s weekly, if it\u2019s take home, you need it all standardized. Just use the conscious spending plan and then everything flows from there. So any analysis you have to do to standardize it is worth it because everything else can be so much simpler after that. All right. What\u2019s the number?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:48:22] So now it\u2019s going to be $3,600 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:48:23] How much do you invest per month right now? Is the answer is zero?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:48:27] Nothing. The answer is 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:48:28] Sometimes I like to work with nothing because then we can get it right from the beginning. And how much do you save? Of course, you save more than you invest. Of course you save $1,000 a month for vacations. Is that accurate?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:48:42] 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:48:43] You have $1,000 a month for an emergency fund. Is that accurate? I bet it is. People are always accurate about their savings, and yet it is actually totally inconsequential compared to their investments. So right now, you basically have a lot of money left over. Would you agree?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:49:06] Yes, that\u2019s always been how it\u2019s been for the last year, which is all that money went to 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:49:12] Got it. So you\u2019ve got a ton of money now and you\u2019re like, what do we do with this stuff? Is that right?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:49:18] How do we get back on track for our long term success?\u00a0 Long term 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:49:24] Yeah. How do you take that athlete approach and use your money to set yourself up today for tomorrow? So just looking at this, what do you think the correct answer is? Where should you put more cash than is currently allocated?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:49:43] 100% investments. 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:49:44] Yeah. Good. I agree. So do you recall my guidelines for how much most people should be 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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:49:54] It was 10 to 15%.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:49:55] Yeah, 10 to 15%. What do you think your numbers should be? Should it be higher or lower 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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:50:02] I would like it to be 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:50:04] 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:50:05] Yeah, I agree. I agree for two reasons. One. You\u2019re athletes and you\u2019re not going to be making this forever. So therefore, the more you invest now, the easier it\u2019s going to be for you later because that money compounds. And two, you actually have a lot of cash. And when you have a lot of cash, you probably should be investing it aggressively, especially if you are early, young like you two 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\">So those two reasons tell me your investments should probably be higher than 10 to 15%. So let\u2019s ballpark it. We don\u2019t need get specific, but what do you think that number should be? If the average person is doing 10%, what should the two of you be 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:50:44] 25, 30 maybe?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:50:46] Yeah, I was thinking 30.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:50:47] Okay. I agree. Ballpark, without getting into ultra specifics. 30. I bet you could make it work. Maybe even 35 for the next year or two years while you\u2019re doing it. Why? Because you also are way underspending on your fixed costs on a monthly basis. So remember what that number typically is for people? 50 to 60%. And yours is 34, maybe 37 if you factor in some forgotten expenses you didn\u2019t include.\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\">That money right there, if it were me, I would take every cent. I would take 50 minus 37. I would take 13%, throw that directly into investments and then I would add on 10 to 15% of investments. That takes you right around to 28 or 30%.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">[Narration]<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Just a quick note here. If you\u2019re listening and you want to DIY this, you want to do it yourself, you can get my book and download the free conscious spending plan and plug in your numbers. A lot of people make huge changes doing exactly that. If you are the kind of person who wants a little help, you want to ask me a question, get my answer directly and have some help working through the numbers, you can also get that 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\">You can join my money coaching program. Every month I share a specific lesson on money. Like this month, I taught my money coaching students how to do an end of the year annual review, where you plan out what you want to do next year, where you want to travel, how you want to spend your money. And also you take a look at what happened this year and decide on what worked and what changes you want to make.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">I also do Q&amp;A on these calls so you can get your specific questions answered. You can join at iwt.com\/moneycoaching. And yes, you can get recordings of all the past sessions, including the one I just did on how to plan your annual review. That\u2019s iwt.com\/moneycoaching.\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\">It all starts to make sense, 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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:52:53] I think there\u2019s a part of me that wants to keep everything, not everything, but in cash that I feel I have control over. And I feel like when I hand it off to investments, even though it\u2019s a stable investment, I still can\u2019t access that money. And that makes me feel nervous.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:53:14] Because?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:53:14] Because I don\u2019t want to go back to where we once were. I just don\u2019t ever want to be caught off guard again. Obviously, the way our relationship started, Dan was not transparent with me about his finances until we were getting married. And then the discussions came to like, okay, are we going to combine finances? How are we going to do this? And then I felt completely accosted with the amount of debt that he was in, especially since it had been such a goal of mine to walk into a marriage not like that. And so I think I just never want to be shocked again. I want to be able to handle everything and not feel I\u2019m going to vomit my brains 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\">[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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:54:05] This is a great example of Jenee not psychologically turning the page on her concerns. She\u2019s worried about money, and rightfully so. But their financial situation has dramatically changed. She is still assigning worry and blame to the numbers part of it, but they both agree they should ramp up their investments. They both have way more money than they used to. In my opinion, it would be a tragedy to let those concerns from years ago limit her Rich Life and actually limit their rich lives 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\">[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\">What would it take for you to feel safe that you could handle anything coming your financial 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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:54:55] I don\u2019t know.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:54:57] Let\u2019s try.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:54:57] I think I\u2019m\u2013 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:55:01] Do you think it\u2019s a number?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:55:07] 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:55:08] Why do you ask that with a question mark at the end?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:55:12] Because I don\u2019t feel secure in our numbers because they\u2019re not real numbers. And so I guess I feel I don\u2019t know how to develop real expectations then real. Does that make sense?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:55:31] Why is it not real?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:55:33] Because it\u2019s going to change one day and it\u2019s going to be a lot less one day. And the life that we\u2019re living right now is not those numbers. The life that we\u2019re living right now is the inflated numbers. And so I feel insecure in the fact we\u2019re not living a realistic life, maybe.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:55:52] Hold on a second. You ever go to the gym?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:55:54] 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:55:55] You ever squat or see people squatting?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:55:59] Mh-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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:55:59] So my squat right now is probably higher than it\u2019s going to be when I\u2019m 75 years old. Is my squat not real?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:56:09] Now? Yes. Your squat is real.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:56:12] It\u2019s real. Will it be real when I\u2019m 75 and I can\u2019t squat 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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:56:18] 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:56:18] What\u2019s the difference?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:56:20] It\u2019s proportionate.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:56:22] Yeah, it\u2019s proportionate. It\u2019s the season of life I am in. Right now, the amount you make is very high. I think it\u2019s great. I agree. Is it real?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:56:38] It\u2019s real for 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:56:41] The money you\u2019re making today is real. But the money you\u2019re making tomorrow not as flex worthy, but it will also be real. Would we agree?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:56:49] Yes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:56:50] I want to run this past you. You know people have the DNR.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:56:53] Yeah. 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:56:54] So I\u2019ve talked about this with my wife. I was like, \u201cIf I can\u2019t squat two plates, just end it. Just end.\u201d And she was like, no. She does not find that funny at all. I find it absolutely hilarious. I was like, \u201cBabe, come on. I don\u2019t want to live on a planet where I can\u2019t do two plates.\u201d Is that wrong to say? Is that wrong to tell my wife 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:57:18] No. 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:57:19] Thank you. All right. I heard correctly from two nurses giving me their number. I\u2019m, 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:57:24] [inaudible] tattooed on your chest.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:57:26] Exactly.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:57:26] 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:57:26] DNR225. Yeah. Wait, what were we talking about? So to me, it would be a tragedy to go through the next two years, five years, 10 years, always worrying about what\u2019s going to happen in the next season and not actually taking stock of where I am today. How hard you worked, the decisions both of you made, you\u2019ve certainly taken on a lot in order to be able to make this kind of money. And to not see it as real feels to me like you\u2019re doing yourself a disservice.\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\">If this amount that you\u2019re making, which is for the next two, three, four years, what if that looked and felt real to you? What if you acknowledged it as real? How would you change the way you treat 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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:58:34] Well, as unlike the money that we\u2019ve made, the goals feel real. We accomplish them, it\u2019s very black and white, like our house is paid off. That was our goal. Our savings account. That was our goal. All of that\u2019s very black and white to me. Now that all of that\u2019s done, I guess I\u2019m entering into the gray area.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:58:53] Can I just point something 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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:58:55] 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:58:55] When you were going through each of those check boxes, did any of them feel really good 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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:59:05] No, they felt like things I needed to accomplish.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[00:59:11] So you checked off the house, you checked off paying off the cars, you checked off building 50K in savings, and here you are now. And it\u2019s all about what\u2019s the next check? But none of those felt good and none of them are going to feel good because this isn\u2019t about checking a box you already won. It\u2019s about actually changing the way you look at money and the way you feel about 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 I\u2019m going to ask you again. Let\u2019s go through. We\u2019ll take as much time as we need. If you looked at the money you are making now, the extraordinary amount of money you are making, which is higher than you\u2019re going to make in the future, and you really acknowledged it as real, it\u2019s real, even for a time period, but it\u2019s real, how would that change the way you look at money and feel about money?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[01:00:11] I\u2019m going to answer with an example of sorts. We\u2019re all nurses, and in our profession there\u2019s a divide. There\u2019s the travel nurses and there\u2019s the staff nurses. And the staff nurses do the same work that we do, maybe less comfortably, they live at home. They have all their stability, yada, yada, yada. But they make a lot less than we 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\">And we get resented a lot. Before the pandemic, we were the cool kids that traveled and showed up and knew what we were doing and were accepted as like, \u201cOh, we want to be your friend.\u201d Since the pandemic, there\u2019s been this really huge divide of people being angry at us in our own profession. Ignore the outside world like in your own profession and in your own nurse community, people hate you because you\u2019re doing the same job as them and you\u2019re making X amount more.\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 I think there\u2019s a lot of that that has built up into how I feel about the money that we\u2019ve made and the fact that I\u2019m proud of us and I know what we went through to get here, but there\u2019s that part of you that just feels you didn\u2019t deserve it. You\u2019re screwing the system, you\u2019re taking advantage, all these negative things that people come at you with. And I think that after two years of hearing it, that\u2019s the only thing that I hear when I look at what we accomplished.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">I want to stop feeling so disconnected because I know my worth as a career professional, and I know that I make a huge difference in people\u2019s lives. And I know that with my expertise, people have had good outcomes because I was the person there in that room.\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 it\u2019s hard because on an altruistic level, I know myself and I\u2019m so proud of myself, but then you just constantly have been hearing these other messages about you and about yourself and about the way people view you for the past couple of years and that\u2019s something me and my counselor have been working on, but it\u2019s just for two, almost three years, it\u2019s you almost feel like you\u2019re living this bipolar life where, you\u2019re a hero. You\u2019re not a hero.\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\u2019re a good nurse. All the nurses hate you because of the money you\u2019re making. And it\u2019s just this constant, and I haven\u2019t personally figured out how to make all of that blend together into something my brain can even start to handle.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[01:03:06] This explains a lot, doesn\u2019t it? If you feel bad about the way you earned money, it\u2019s going to be very hard to feel good about the way you spend it. And some people really need to hear this. You crypto charlatans who promoted bullshit and then rug pulled when you made money off unsuspecting people. I hope you have trouble sleeping and spending any of your money for the rest of your life.\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\">Just kidding. Most of you crypto bros are broke anyway. With Dan and Jenee, it\u2019s clear that Jenee is very conflicted about the money she earned during COVID, and this is one of the real issues here. Notice that on the surface, most of the things we worry about have nothing to do with the actual root cause, but it takes a lot of work to make the connection between worrying about the price of a car or creating endless checklists about money and never feeling 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\">[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\">Jenee, do you think that there\u2019s a way for you to feel good about money?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[01:04:07] I don\u2019t know, Ramit.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[01:04:10] I feel pretty good about money. Do you want to ask me any questions? I sell digital programs to people. Now you could say, well, Ramit, why don\u2019t you just give it away for free? Knowledge wants to be free. You\u2019re you\u2019re only focusing on people who can afford $2,000 or money coaching, etc.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">How do you think that I came to the comfort level of saying, no, I\u2019m actually happy to charge what I charge, and I\u2019m happy to make the profits that I make for the customers I\u2019m helping. How do you think I came 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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[01:04:51] You know your value.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[01:04:53] Yeah. How did I come to that, 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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[01:04:59] A lot of hard work, a lot of expertise, a lot of guidance, I\u2019m 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[01:05:05] Guidance. The expertise part is true. That takes a long time to develop. But I will tell you that the first time I started selling something for $4.95 online, a lot of people told me, you\u2019re ripping everybody off. You\u2019re just in it to make money, all the same things that you heard just for digital format. And it felt awful. For three years, I felt awful. And get this, every day I would write about earning more money, people would unsubscribe.\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\">Back then I used Aweber and you could leave a reason you unsubscribed. So imagine this, every morning I wake up and there\u2019s people like, fuck you. You\u2019re just trying to make money, I Will Teach You to Be Rich. And I was like, I hadn\u2019t even opened my eyes. And I\u2019m like, looking at this through my blurry glasses and I\u2019m like, oh\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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[01:05:51] God. That\u2019s so relatable.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[01:05:53] Yeah. And there were a lot of people who were like, I loved your $5 e-book. When are you coming out with something else? And the way they wrote to me, the way they talked, the things they said they were the people that inspired me. So I had a choice and it was brutal. Three years of money psychology, where basically 50,000 people from my business, my email list, unsubscribed, and I had to refresh it with all new people. That was brutal ground war every 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\">But I knew that for the rest of my life, I did not want to serve some frugalista who just didn\u2019t connect with me and I didn\u2019t connect with them. That wasn\u2019t my place on this earth. So how might you be able to adapt that for your own situation?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[01:06:43] Oh, everything you just said felt like a light bulb.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[01:06:47] 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><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[01:06:48] No, I spent years building myself up as a critical care nurse. I always had a passion for it. In nursing school, I had my head professor tell me I\u2019d never be a critical care nurse. She said I didn\u2019t have the personality for it. And I found my own path to it. And I was determined. And I loved what I did. And I walked into a pandemic having equipped myself with all the knowledge that I could have to be the best nurse for that situation as possible.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">And I watched a lot of other nurses in similar situations to me when we got laid off. They chose unemployment and they stayed at home and I couldn\u2019t do that. On my own level, I was like, \u201cThis is what I trained for. And my nation, they need me. And that\u2019s why would I sit at home when I have this level of expertise and I can do this?\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\">And I don\u2019t think I\u2019ve taken time to acknowledge that about myself and I appreciate you putting it in terms that I can understand because I did earn this money and I did walk in with an expertise that nobody else had and no one else could do what I did. And for as long as I did, I do deserve to feel proud of myself for 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[01:08:19] You do. I agree. Dan, I love seeing your smile as you hear Jenee as well. What are you taking away from 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[01:08:29] I\u2019m so proud of her. She\u2019s come such a long way and everything she said. I\u2019ve been telling her, but she has that mental block. She can\u2019t hear it. And hearing her say to herself, I\u2019m so proud of her, man. She does deserve this. She\u2019s a rock star nurse. She\u2019s the best nurse she\u2019ll ever have. She deserves everything she got, and I\u2019m just so happy for her that she\u2019s connecting the dots. It\u2019s 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[01:09:03] I really love watching the two of you connect the dots together. I really love it. To me, it\u2019s the most powerful thing in creating a Rich Life. I can\u2019t do it for you. I can look at a couple of numbers and make a couple of jokes, but it\u2019s got to be you taking the lead. And in your relationship, it\u2019s got to be each of you connecting your own dots and then the two of you connecting your dots together.\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\">Nobody can do it for you. So I love seeing\u2013 can you see it almost how it\u2019s all coming together? Change the way Jenee, you feel about your expertise, change the way you feel about money, change the way you feel about talking about it together and it flows from there into the most minute things like what percentage should we put in investments or how do we talk about this car? \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\">This doesn\u2019t change overnight. You already made it. What a tragedy if you don\u2019t actually internalize that and then use the rewards of everything you\u2019ve both worked for. Do you think it\u2019s possible for you to feel safe about money?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Jenee:\u00a0<\/span><\/b><span data-contrast=\"none\">[01:10:17] Yeah, I do. I do.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[01:10:18] That\u2019s a good answer. I think it is absolutely possible. Dan, do you feel safe 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[01:10:24] Now I do, 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[01:10:26] Now, meaning when?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[01:10:28] For me, it was checking the boxes and paying off the house and having no debt and knowing that no matter what I can outwork whatever comes my way. And I have Jenee, really good team and we\u2019ve always problem solved all together. I feel really safe 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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[01:10:48] I like 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><b><span data-contrast=\"none\">Dan:\u00a0<\/span><\/b><span data-contrast=\"none\">[01:10:49] I wouldn\u2019t want the car if I didn\u2019t feel safe. I would not even bring it up. I think if we do it right, and we go about it the right way and we can be set up for the rest of our lives and go on all the trips that she wants, could have the car I want, and have excess and not ever worry about money. I think we\u2019re in a position where if we play our cards right, we\u2019re going to be good for the rest of our 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\">[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><b><span data-contrast=\"none\">Ramit Sethi:\u00a0<\/span><\/b><span data-contrast=\"none\">[01:11:16] What a fascinating conversation with Dan and Jenee. One of the things that I introduced them to was this idea of chapters in their life. Chapter one, particularly in Dan\u2019s life, was WalMart and mistakes with his 401K. Chapter two for both of them was working through the pandemic quadrupling their income, but at a very high cost.\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\">And chapter three, which they are now turning the page into, will be all about combining those lessons, accepting what happened in the past, and then designing a Rich Life that emotionally connects with both of them.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Dan and Jenee sent me follow up letters, and I\u2019d like to read you an excerpt from both of them. Dan said, \u201cI learned that I need to work on my approach when talking to Jenee, especially when it\u2019s something that I am passionate about, but she may not be. I also learned that going on a podcast and admitting to the world my most embarrassing financial mistakes is freeing and empowering. I just want to be better for myself and Jenee.\u201d\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Jenee wrote, \u201cI learned how to view my financial life stages as chapters, viewing things in our past as a chapter that is now closed gives me the opportunity to believe in a different future. Dan and I have built trust with each other in so many areas, but not finances. I learned I need to let go and I know and trust he is a drastically different person than when we first got married.\u201d\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Here\u2019s what they decided about the car. \u201cWe agreed with your suggestion. So we will mutually pay for $50,000 of the Audi and Dan will use his guilt free money and any additional work above his normal hours to save up the remaining $100,000. We also decided to set aside 5% of our pay towards a car fund in perpetuity with the understanding that Jenee may need a new car since hers is older and starting to have some issues. Thanks a million for helping teach us how to be rich.\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-ccp-props=\"{}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jenee and Dan are 31 and 34. They\u2019ve been married for three years and they\u2019re travel nurses, moving from city to city to alleviate workforce pressures. During the pandemic, they earned up to 4X their salaries, allowing them to pay off their debts\u2014but at a huge emotional and mental cost. Tools mentioned in this episode\u00a0 [&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-119151","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\/119151","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=119151"}],"version-history":[{"count":0,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/119151\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media?parent=119151"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/categories?post=119151"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}