101. Where Are They Now? Netflix Reunion with Millie and Christian

If you've recently discovered this podcast and you've wondered, how can I get Ramit to answer my specific money question, There are two ways to do it. Number one, you can apply to be on this podcast, although we are already full for the rest of the year. Number two, you can join my Money Coaching membership in this program. We do a ton of cool stuff I want to make sure you know about it. We do a monthly live call with me where I cover some of my favorite money topics that I can't go into publicly in as much detail as and I break down our members conscious spending plans. Plus I answer your questions live. We also have tons of virtual events coming up that cover every aspect of living a rich life. For example, our new event money for aging parents is coming up at the end of October that is included for all Money Coaching members. You get access to our library of all past calls like how to find an extra thousand dollars a month and how to do a rich life annual review. Plus, we have a money coaching community group where you can see inspiration how other people are spending their money and get your own questions answered if you want to get help. If you want to meet amazing other people in money coaching and you want to build your rich life faster and bigger, you should check out Money Coaching today. Go to iwt.commoneycoaching to join right now. That's iwt.com moneycoaching.

For me. We thought we were going to be the golden children of this show. Okay. We thought you were going to come in here and be like, you know what, I'm just going to leave because you guys are perfect. And then like Christian said, you just kept calling us out on all our and all our stuff that we were hiding under the rug. Sometimes I don't like getting told what to do and the fact that sometimes. All right, all right. And so like just being able to be like, okay, Millie, like just letting go, being okay with finding a job, you know, and like getting back into that. That was like something that I have to like really accept their right.

I think it just shows like a relationship shouldn't have egos, Right? We're one team. We're not here to say, hey, this is my side, this is your side. I think for one team and we're working towards one goal, right? Yeah. Like, it's our money. It's not your money and my money. And I think that was something we were struggling with for the past few years.

He's my husband at this point. You know, we're not just like boyfriend and girlfriend and a high school relationship. This is like forever.

Welcome to today's special where are they Now? Episode with Christian and Millie from my Netflix show, How to get Rich. Now, today you're going to hear where they are financially and otherwise. A year after filming the show, if you haven't yet finished the show, hit pause, go watch all eight episodes and then come back here so I don't reveal any spoilers. Okay, here's what you need to know. Christian and Millie told me that they want to create an empire together. They own their own place and they generate positive cash flow by renting out units of their apartments. He works for the federal government. She's a realtor. But as I learned, she also is involved in multi level marketing. I had no idea before I met them. In fact, on the show episode 6, I actually got the chance to go to an MLM event. This my fantasy. This is why I truly have my own rich life, because I get to go to MLM events and then ask very pointed surgical questions along the way, which you get to watch. Now, what I really liked about Christian and Millie is they are both very family oriented. They both are children of immigrants. In fact, one of Christian's financial goals is to retire his mom. But the problem is they keep making these boneheaded financial moves. Like he invested in a meme stock and lost tens of thousands of dollars. And she has been saddled with a Cadillac from her mlm. Listen in to find out where they are. Now. First of all, have you heard some news about the show?

Yes.

What have you heard?

Yes, I've heard that we're. They're going to like announce it tomorrow and then that it's launching on tax day, which is cool.

Yep, yep.

I'm going to be honest, I was skeptical from the get.

Yeah.

Even Millie told me, hey, we've been selected for this show. I'm like, well, this is gonna be for you, Millie. I love you and I will miss for you.

Oh, wow, Millie, hope it works out for you. Good luck. Yeah. Wait, why is that, Christian?

I believe TV is all set up and like, you know what? It's all fake. A lot of it's fake. And I don't. I'm big skeptic. Right? Like, it's all made for viewership and stuff like that. And I'm like, all right, I'm doing this for her. So finance just really interested us. And that's one of the reasons why I really accepted to do the show, because it was. She told me, hey, it's about financ. I'm like, you know what? It's no housewife kind of bs. I'm like, this might be something real, and let me give this a fair shot. And it really opened my eyes. It really opened my eyes because I thought this was going to be something totally different than it actually turned out to be. You made us feel very comfortable. And when we were having this conversation, for moments there, I felt like it was just the two of us sitting down, talking, and the cameras were gone. It really felt genuine, I guess, is the word. So, Jen.

Yeah. Like, we were just hanging out in my living room. Like, we were talking to a friend. Like. Yeah, because this is how we like having. We like having these conversations. We like talking about money and what we're gonna do next and what we're investing in. And you can have that conversation with everybody. Not everybody feels comfortable to have that conversation because it was. Either somebody was gonna come in and yell at us, or somebody was just gonna be like, oh, everything's perfect. You guys are doing great, and that's it. But no, like, we were genuinely just chatting.

Yeah.

We're having a good time. And it was also fun because you two have a good sense of humor. So I could joke around with you, and I could be like, you did what? And I think that just makes the whole thing fun, you know, like, money doesn't have to be so serious. Okay, I'm excited. I just want to know also what's been going on. So can you give me an update?

Boo. You want to go first?

I've gotten a raise since we last spoke.

How much?

So I went from making last year making 109. Right. To making 118, but with 25% availability pay, which I discussed with you prior, it comes out to around 140. I'm making about 147 now. Wow.

Nice work. That's awesome. Yeah, I saw some bigger numbers on the update. I was like, ah, what happened here? That is fantastic. Okay, great. So congratulations on that. That is amazing.

There's so many updates, though. Christian's being modest, so I can't think on this. What do you mean? We got married since the last time we saw Rebecca.

Oh, yeah, dad. Okay.

All right, I'm sorry.

No big deal.

Maybe we should have Millie run this part of the conversation. What do you say?

Yes, please.

Millie, you got married. Congratulations, Christian.

Yeah. So excited. We got married. Everything came out perfect. We went on our honeymoon.

Where'd you go? What?

Italy.

Oh, my God. Tell me about it.

Where'd you go everywhere. We rented a car. We landed in Rome, rented a car. And we didn't plan anything. We kind of just went with the flow. It was amazing. We went to Rome, we went to Florence, the Amalfi coast. We ended up in Switzerland. We went to Monaco, Slovenia.

Unbelievable. Venice.

We went to all the major cities in Italy.

Okay, so this is amazing. When we met, you were both very focused on the future, which I love. You know, you had this cash flowing thing, and you were talking about generational wealth, all that's great. But I was kind of like, what about now? What's going on now? And to hear that you took a one month honeymoon and just rented a car and said, let's go in Italy, to me, that is just so beautiful. Congratulations.

It was a crazy experience, but I loved it.

The freedom of not having to worry, do we have enough money for moving from place to place? Right. We really didn't think about that. We're just like, let's enjoy our honeymoon. We deserve it. Let's enjoy these next. I think it was 25 days, right, Mellie?

And you'd be proud of us because we weren't, like, cheap with, like, where we were staying either. We were staying at very, like, nice hotels, Luxurious. Like, we're usually. We'd be like, okay, where can we stay?

Yeah, yeah, we.

For. For the flight back, when we went to the honeymoon, we did first class or business class, I think is what they call it now. I was like, christian, you shouldn't have done this to me. Because I'm not like, I don't want to go back. Wow. It was different.

This is what I mean when I say you should live a rich life today and a richer life tomorrow. In order to do that, you've got to know your numbers, and you've got to be working on improving your money psychology. So when it comes to your numbers, things like your savings rate, your investments, what exact month and year your debt will be paid off. All of this is covered in my book and in my money coaching program. I'll throw links in the show notes below. Now, it could mean that your rich life today is staying in luxury hotels or buying fancy cars. Fine. Or it could mean that you've planned for it. You've designed your rich life. And maybe today what's possible and meaningful to you is a picnic in the park with your kids. It doesn't matter the level of fanciness or extravagance. What matters is that it is intentional and personal. Because that is what makes your rich life meaningful to you? Real question for you do you know how often you're supposed to see your primary care physician? How about the dentist? How about a dermatologist? A lot of us just wait to get a text from the dental hygienist to know it's time to make an appointment. But your health is important and we talk about going from defense to offense with your money. What about with your health? Why not make your life easier and Book this year's appointments today with ZocDoc ZocDoc is a free app and website where you can search and compare high quality in network doctors and click to instantly book an appointment. They have over 100,000 doctors across every specialty from mental health, dental, primary care and more. Just filter for the doctors based on your insurance, your location, even ratings and find a doctor who's a good fit for your needs. Plus, Zocdoc appointments happen fast, usually within 24 to 72 hours. Instantly click through your options, book the appointment and you are good to go. If I needed to find a new doctor today, this is what I would use. Stop putting off these doctor's appointments and go to Zocdoc.com ramit to find and instantly book a top rated doctor today. That's Z o c d o c.com ramit zocdoc.com ramit I know that some of us think better when we write our thoughts out, but for a lot of us, including me, I'm better when I can think out loud. If that's you, I recommend you check out Whisper Flow to save you tons of time to bring your ideas to the page. Whisper Flow turns your voice into clean final draft writing inside whatever app you're already using, email, Slack Docs, even text messages. And it works on Mac, Windows and iPhone. So instead of spending all of your time responding to messages, especially while sitting at a computer, you can hit a hotkey, speak and the text appears. It's accurate, it's fast, it's all formatted so you can get back to work. Here's what my friend said about it. Whisper is amazing because it learns the way you speak. So you can send this rambling note as a text message and it kills all the filler words and it perfectly formats it for you. They said it's much better than using the Apple Voice to text feature. The spelling is way better. If you want to buy your time back and get back to what matters, check out Whisper Flow. Try it for free at whisperflow AI/remit. That's whisperflow AI/ramit wisp, flow, AI/ramit or click the link in the description below. Congratulations on the wedding. Double congratulations on the honeymoon and the income increase. That's amazing. Give me the rest of the updates.

What else? What else? Okay. I started a new job as soon as we got back from the honeymoon. I started, like, applying to literally everywhere. I really wanted something remote because I want to be able to travel when Christian travels, which also, like, we've been traveling a lot. We've gotten to Hawaii also. Since then, we've traveled a lot. Like, you'd be proud.

I am proud.

So I got a job. I ended up getting a position. Funny story. So I applied for their accounting position. That's what they had listed on Craigslist. And then after one day there, he was like, I want to make you the manager. I want you to be in charge of sales. And literally after one day, that was it. That's all he needed. We re. Negotiated my. My contract, and Now I'm at 35 an hour. I'm going to be getting commission on sales once I start sales. It's a whole 180.

Wow. Congratulations. That's cool. So you. Okay. So you have a stable job, Is it. How many hours a week?

40.

You're making 35 bucks an hour, so that's roughly 70k a year plus potential commissions off of sales. Okay. How does that feel?

You know, it feels good to, like, have a job again and be doing something and being busy, and it just. It's a little bit of a. Like a shock because whenever Christian's going away, like, I want to go with him. He's gone to Abu Dhabi. He's gone to Hawaii. He's gone to. Oh, my God. How many places have you been through since January that we got back?

India. India you went to. Oh, yeah. I saw a picture on your Social. I was like, what's he doing there? Okay, so, Millie, you're saying it's an adjustment because you can't just get on a plane with him?

Yeah. Yeah. It's a little frustrating.

It's a bit torn. Yeah.

All right, well, the good news, in my opinion, is you have time to think about what decisions you want to make. That's. And also doubly good news is you have a stable income. I have one question for you, because when we talked, you'd had that bad experience with your past boss, and it had kind of turned you off to working for anybody. What's it like so far with this boss?

I really like him.

Awesome.

I really like him. We get along and we have sort of similar personalities, so we just understand each other. And, like, I enjoy his company. And he says that same to me. He's like, I enjoy having you here. I love working with you. And it's only been a couple weeks or a couple months at this point, actually. Sometimes I don't like getting told what to do. And the fact that I was able to.

Sometimes.

All right, all right. And so, like, just being able to be like, okay, Millie. Like, just letting go, being okay with finding a job, you know, and, like, getting back into that, that was like, something that I had to, like, really accept. They're right.

You ever meet people who go, I can't work at a job. I'm an entrepreneur. But the problem is that their business is totally failing and they're making no money. I meet a lot of people like this, and they will tell me all these reasons why they can never go work for the man again. And I'm like, I think you need to get a job. Because it's nice to have all these stories you tell yourself, in some cases, pure delusion. But the fact of the matter is, it's better to have a job that lets you pay your bills than to dream about being an entrepreneur. Cover the basics, save some money, and then you have options. This is one of the reasons that in my business, program earnable, I encourage people, if you've got a job, keep that job. Start something on the side, and if and when it becomes successful enough, then you can decide what to do full time. Now, one of the patterns that happens with people who say this thing, I could never work for anybody, is that they had a bad experience at one job, and now they've generalized it to all jobs. That's what happened with Millie. She had a bad experience with a boss, and she made $12,000 in a single month with her MLM. So she said, I'm not going to work for anybody. I don't like that. And also, I'm really successful over here. I personally am really proud of Millie for getting a job where she's now paid more. She has stability, and she can contribute to her and Christian building their empire. What comes to mind when I share these specific moments? Renewing your passport, Scheduling a dentist appointment, Replacing that light bulb that's been out for six months, and you're not sure what's the right bulb. We all procrastinate on weird stuff, and taxes are usually right at the top of that list. We wait until the last second that we get overwhelmed. We got to pull this paperwork and we're panicked because the deadline is approaching. That's why I recommend Gilt. Now that tax season's over, this is actually the best time to get ahead. If you run a business or you filed for a tax extension, one small move right now could save you thousands later. Gelt is not just another CPA firm. They helped one of my colleagues rethink his entire tax setup. Now he's saving more than he spends on tax prep. With G you get a proactive year round strategy, not just a one time filing. Credits, deductions, business structure. It's handled. And their tech platform makes it easy to stay organized. You'll also get access to Gilt's full tax library with guides on retirement plans, QBI and more. So if you've got a business or you filed for an extension, this is the window to take control of your tax plan. Head to joingelt.com ramit to book a consultation and as a member of my community, you get to skip the waitlist. Again, that's joingelt.com ramit join G E L T.com ramit taxes don't have to be a task with Gelt. They can be a tool to build wealth. When I talk to new business owners, I hear a lot of the same motivations. I want to make extra money. I want more freedom. I want flexibility. But I will tell you something that I've never heard. I want to start a business so I can fill out a bunch of tax forms. That sounds like my hell. The good news is you don't need to be a tax expert to start your own business. Instead, you can use Gusto, this episode's sponsor. Gusto is online payroll and benefits software built for small businesses. It's all in one. It's remote, friendly and it's incredibly easy to use. So you can pay, hire onboard and support your team from anywhere. They offer automatic payroll tax filing, simple direct deposits, health benefits, workers comp 401k, matches, you name it, they can help. Plus, it's quick and easy to switch to Gusto. Just transfer your existing data and get up and running fast with no hidden fees and no surprises. Try gusto today@gusto.com ramit and get three months free when you run your first payroll. That's three months of free payroll@gusto.com ramIt Once more gusto.com ramit now let's talk about the MLM. What's the latest on that?

So I still haven't terminated my account and I still don't plan on It.

Okay.

Because the money that it does make me pays for the car.

You still have the car?

I still have the car.

Christian, I'm going to. I'm coming to you in a second. Don't worry. I want to hear your opinion. So you still have that car? Okay. It's a nice car. No, it's certainly nicer than mine. And the payment on it. Am I remembering right? 660?

Yes, 669. And I make enough where it at least pays for the car. And just because of that, I don't feel like I should terminate because then that's now one more huge bill that I'm gonna have.

Yeah, right.

I loved discovering how much you were paying for the car. I still remember the look on my face. I said, say that again. What? And then going out and sitting in the car because I thought it was like some old person car, you know, and it wasn't. It's a nice car. But I'm like, I can't sleep thinking about this car right now. So. I love the family. That was my favorite. But I'll also never forget that car. I loved it. I loved it. So you keep it. And then like, what. What are the last few months? How much did you get paid?

I honestly haven't even calculated. I haven't been. I didn't prepare well for that.

That's. That's okay. Most people I talk to don't prepare. Speaking to me, I have a dream that one day they will. You said that that MLM has covered the cost of the car, which, by the way, they mandated you get. But how do you know that if you haven't calculated how much you've made over the last few months?

Oh, for. For last year, though, I did calculate, and it made enough where it paid for the car. That's how I know that. Because we just got our 1099.

Got it. Okay.

Christian, what do you think about this?

I think you should get a smaller car payment and hand in the car. But then again, I think we've taken your advice as doing the proportion method of incomes to pay off the bills, and that's helped out a lot. And I know it's been a big stress reliever in the relationship. So with that being said, when it comes to the car, she pays that on by herself, and that's something she's taken upon. So I think she's done the math on that and it's working out for her. So.

Okay, I approve of that. That's awesome. So let me tell everybody watching why I Like, that is sometimes we choose to have something extra nice or extra expensive. That's okay in a relationship, but the person who chooses the extra nice or extra expensive thing should probably at least pay the difference in what the two of you might pay or maybe just pay for the entire thing. Not the choice I would make, but it's not my money. It's your money. It's your rich life. So that's cool. All right, more questions. The proportionality. This is a big deal. How does it feel overall doing that adapted system?

It feels good. I've always been for it. I always wanted to help out more. Right. She was always a person right down the middle. Everything had to be 50, 50. She was always that kind of person. I'm always like, hey, I don't mind providing more. I don't mind doing this. But she was always dead set in her way of, like, no, 50, 50. I want to put up my share. So I respected that. And we got to a point when we started doing the show and we started to realize you brought up the portfolio proportionality. And I'm like, hey, we never thought of that. And I think that's helped our relationship a lot in many ways. Not only money wise, but I think emotional. Right. Emotional wise.

How so?

I think. I think it just shows, like, a relationship shouldn't have egos. Right. We're one team. We're not here to say, hey, this is my side. This is your side. I think we're one team, and we're working towards one goal. Right? Yeah. Like, it's our money. It's not your money and my money. And I think that was something we were struggling with for the past few years.

It was just, like he said, like, an ego thing. And I'm glad I, like, let my guard down because, like, I mean, he's my husband at this point. You know, we're not just like boyfriend and girlfriend and a high school relationship. This is, like, forever. So.

So that's why it's partnership. One person, two takes the lead, and then that might shift. And I love that the two of you have found a way to work together for both of you. That's awesome. Okay, Any other updates on the financial side?

Yes. We never sold the stock either.

Oh, God.

The gambling stock, which.

Wait, no, not the gambling stock.

So we're gonna. Are we going to miss this part?

Millie's like, I have my list of things to talk about. Tell me, Millie.

So we haven't sold DraftKings. Remember DraftKings? The one that we lost, like, 80 or 90,000 on.

Yeah, how could I forget? So you kept it and how's it doing?

It's going up, actually.

Oh, God. So you're so. So what is the lesson that you take away from this? I always love when people take away the absolute worst lessons. What's the lesson you take away, Christian.

Just wait it out.

Buy a super risky gambling stock and then, like, you'll probably make a ton of money. That's. Yeah, that's a good lesson to take away.

No, definitely not. I think I've learned my lesson with this. I just. I guess part of me does not want to. Does not want to let go yet with like, I guess the hopes. But I've spoke. Millie and I have discussed this and I think we've set a target loss. Oh, okay. So basically, once it reaches that target loss, I will take the money out.

What is the target loss? How much are you targeting to lose?

$40 a share. So we bought in at $65 a share. So once it goes back up to $40 a share, you'll sell.

Okay, and what is it at right now?

I can actually look right now.

You know, he has that on his homepage of his phone. It's not like he has delayed.

I can give you the latest.

Yeah, down to the second it is.

It's at 18:35.

Okay. So it only needs to more than double. Okay, great. And what if the stock goes down?

Oh, God, don't say that. I was not expecting to be called out as much as we were called out on our stuff. And I think that was a wake up call. But you calling us out and calling me out on DraftKings made me wake up and be like, hey, listen, like, it's all right. You do whatever you want your money, but maybe you should communicate with your wife.

Right?

Like it's. It's something you guys need to speak about more even if you're gonna decide on doing it. It's something that should be mentioned. And the same goes with her as far as the mlm. Right? You asked me, hey, do you know how much she makes? I had no answer for you. Right. It's something we just didn't discuss. Right. I handled the stocks, she handled her mlm. And it was something surprising.

We thought we were going to be the golden children of this show. Okay. We thought you were going to come in here and be like, you know what? I'm just going to leave because you guys are perfect. And then like Christian said, you just kept calling us out on all our bullshit and all Our stuff that we were hiding under the rug. So that was necessary.

God, this is such a great example of why the vast majority of people should not be investing in individual stocks. Christian made a random, arbitrary decision to buy a stock. He's lost tens of thousands of dollars. His wife didn't even know about this. And now rather than sell it, he's decided to create another arbitrary number that it has to reach, which by the way, is more than doubling where it is today. And all the while that money is sitting there doing nothing for them. That money could be better spent or better put in a simple thing like an S&P 500 index fund. But because we are cognitively wired to never want to admit large mistakes such as this, it's going to be very difficult for Christian to actually become decisive and sell this stock. Again, a great lesson on why the vast majority of people should not be purchasing individual stocks. There's this myth that if you rent, it means you haven't made it. I don't really believe that I rent and I want you to know that you are not a failure if you choose to rent. In fact, I want more freedom right now than buying a 30 year mortgage. But if I'm spending thousands of dollars a month, I want to get some of the perks that homeowners get. And that is where BILT comes in. Built is a loyalty program for renters. You pay your rent through BILT and you can earn points for it. Think about it. You're earning points for your biggest expense every single month. And you can redeem those built points towards flights, hotels, Lyft rides, or even future rent payments. BILT has evolved into a complete rewards ecosystem where you get rewarded for the first time as a renter. And it's easy. Almost any payment method is compatible so you can start earning right now. I wish I had had this when I first started living in New York. Plus, BILT recently announced that homeowners will be able to get rewarded the same way on their mortgage in 2026. So stay tuned. Join the loyalty program for renters at joinbuilt.com ramit that's J-O-I-N-B-I-L-T.com ramit and make sure you use our URL so they know that we sent you. You ever try to find a therapist by going on Google and searching therapist near me? It is surprisingly difficult. Does this one take insurance? Are they even accepting new clients? Am I going to like them? Well, sondermind fixes all of that. Sondermind matches you with a licensed therapist or psychiatrist based on your specific needs. You answer a few quick questions online and you're matched with a licensed therapist or psychiatrist within two days. So you can get into a session fast. And with both virtual and in person providers available, you have control over when and where you get help. I like that it's fast. I like that you have choices. You're not just sent to the next available person. You are sent to someone who fits with you. And 84% of clients see results within just two months. Go to sondermind.com to get matched with a licensed therapist and start mental health care in less than a week. That's sondermind.com s o n d e r m I n dcom any other updates on the financial side?

So we have also implemented the. The automation.

Yes. How's it going?

We've automated. We've opened savings accounts and I've automated that.

Yes, yes.

So every month we have money. A percentage. Like we separated all our percentages. I have it like all in my phone, like organized. And I did Christians. I did mine.

Tell him. Tell him how we came about this. So we finished your book on our honeymoon. We did long drives.

That's very romantic for everybody listening. That's exactly what you do. You know what's funny? I finished writing that version of the book on my honeymoon, so it's kind of coming full circle. In fact, I was writing part of it in Italy. How funny. Okay, that's kind of cosmic. All right, so you finished it on the honeymoon then.

And we started opening the accounts right then and there in the car.

So I feel like peace, literally. I don't have to stress about that. I already have saved for it. My. My sister had her bachelorette like two, three weeks ago. I already have the money saved for it. And actually when we calculated everything.

Yeah.

It says that we have a lot more like spending money than we thought or then we're comfortable spending.

Yes, guilt free.

But it's not guilt free.

But Ramit, I can't do it.

I know.

I still can't.

I'll help you guys with that. Honestly, it's amazing to see just a look of relief and of joy on your faces. Like we have a system.

We have been telling everyone, read the book. Please read this book. It's so good. And I love that. It's. It's like an instruction manual. It literally tells you what to do. It's not just reading. No, it. It tells us what to do. And then you're so just like, you know, laid back in it and your jokes, and it just makes it fun to read. We've recommended it to so many people, and every chapter is something that is helpful in a different way. Credit cards, you know, investing. Everything was necessary. And everything that you talked about, we were already in a little bit.

Yep.

But not to the best of its ability, basically. Like, we weren't really.

It wasn't optimized. That's.

It wasn't optimized.

Wasn't that the perfect word?

Because of the work that you've done, you've now earned the right to think beyond basic savings and subsistence. And you can't keep yourself small. You can't. Your parents came here. They taught you so much. They gave you the opportunity. You've got to take advantage of that. You have this money. You've already nailed all the other things. Now it's time for you to really focus on how do we build the skill of spending our money in a meaningful way? Can you do it?

Why don't we think of these things? That's great. No, that's great. I totally agree with you. That peace of mind is amazing because money's been put towards that and has been saved towards that for these things that come up. Right. And I think that has. It not only has helped us financially, it's helped us emotionally. Right.

With.

With the both of us. Because money is a stressor. As much as we didn't want to talk about it, money was always a stressor. Yes, I made good money even back then, but it was communicating. Hey, do you want me to buy $100,000 DraftKings or do I have to do it without telling you? Right.

Yeah.

Yeah.

So now you can talk about it. And now you have a structure to be able to talk about it. It's not, you want this and I want that. It's like, what do we want? And it's also being honest. Hey, we are going to have some birthdays this year. We are going to have a wedding this year. Let's talk about it. What do we envision? One of us wants to go for three days. One of us wants to go for one day. All right, let's talk about it. But money is not always driving the conversation. I love the level the two of you have reached, which is, let's start with what we want to do, and then let's use our money to support it. That's the way. That's the rich life. You start with, what's our rich life? And then how do we find money and Deploy it to use to create that rich life. You guys are living it. So I love that we did it together.

The most memorable part that comes into my head is the conversation I had with my mother in my backyard. I don't know if you remember that. When I told her, Millie and I took her to the backyard, and I told her, hey, in a couple of years, we've set up our finances. We plan on setting up our finances to have you retired, to be able to retire you, and you won't have to worry about working anymore. And it just sent chills. It put me in a. In a spot I've never felt, and it put her in. I saw the tears run down her face, and it made the tears run down my face, and I'm like, this is a feeling I'm never going to forget. It was one of those core memories that I'm never going to forget for the rest of my life. I'm doing what my parents intended for me to do, and that is, they took the risk coming to this country, right? For a better life, to give their children a better life. And I'm trying to do what they intended for, so. And after filming the show, my mom said, we've had two conversations about it, and she's asking questions, and she's telling me. She just sits down and tells me. She's like, I'm extremely proud of the man you've become. And the show has helped me or has made me open my eyes to show me, hey, Christian, you're doing the right thing.

You were ready to play ball. And as you will see, not everyone plays ball. You two did an awesome job being open to change. Honestly, you are, I think, the last people I'm speaking to today before the news comes out tomorrow. So nobody knows. My friends are going to be like, is this a joke? It's crazy. So I'm excited. Like, I can't wait for the world to meet you two. I think it's going to be so much fun.

I'm so nervous, I'm not gonna lie, because the world can be a little mean sometimes. But I am really excited, too, because I talk about this, you know, like, this has been, like, a passion. Like, when I talk about it, I like, you can feel it, you know? Like, I like this stuff. So I'm excited. I'm excited.

Thank you. Thank you.

I'm really excited. Even though my facial expressions don't show it sometimes, but deep inside, I'm very excited.

This is a excited face.

Well, the two of you have been so great. I'd love to stay in touch. And congratulations. It's so impressive. Even where you were when I first met you, but especially where you are now. I'm so proud of both of you. Best of luck, and let's stay in touch.

All right, take care now.

See ya. Bye. Bye. Thanks for listening to I Will Teach youh to Be Rich. I'm Ramit Sethi. Please follow the show on Apple, Spotify, or wherever you listen to podcasts. If you haven't read I will teach you to be Rich my book. Pick up a copy, you can get it at any bookstore or any library, and it will show you the specific tactics for how to build the I will teach you to be rich system into your personal finances.