116. “She manages the money. I ignore it. What’s the problem?”

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 what words come to mind for you when you think of money?

Oh my God. Better enjoy your life now because you won't get to when you're dead. Get rid of it. If you got it, you got. You might as well get rid of it and buy some things while you're here.

I don't want a relationship where I feel like I am your mother telling you what we need to do and not do as a couple and making all the decisions for us.

Why is this getting you emotional?

I feel like it's been very unfair to Carrie. Maybe, you know, she doesn't really have all this everything figured out and yet I still have so much to learn. Just by having a simple conversation about numbers can propel us to a higher ground so easily just by having conversation about it and not being afraid of it. Why the hell wouldn't we do that? Why wouldn't we do that? I have all the resources necessary and accessible to me to figure that out. And if I don't, that's just a sign of laziness.

I'd like you to meet Carrie and Taylor. They're both 33 years old. They've been together for eight years. They're not married, no kids, and they both earn healthy incomes in the Nashville area. The problem that we're going to hear about today is that Carrie wants Taylor to get more interested in their finances. She feels like she's in the driver's seat and he's passively riding along. And this is a very common dynamic in relationships with money. One person's reading my book, suddenly they start sketching out their vision of a rich life. But whenever they ask their partner to participate, they get a lackluster response back, like, whatever you want, honey. Or even worse, why do you always need to talk about money? This becomes intensely frustrating, with the person pursuing becoming more and more exasperated that their partner is distancing themselves. So you know what they do? They double down in pursuit. Therapists talk about this with the pursuer distancer or chaser chasey dynamic, which I would encourage you to look up. I wanted to talk with Carrie and Taylor about getting on the same financial page. And today I want you to apply this conversation to your own relationship with each other and with money. Carrie, you filled out the application, and when you spoke to my producer the first time, you showed up alone, is that true?

I did. So Taylor's on the road a lot. I heard that. I don't know, the email, it was confused. I was like, I don't know if we're supposed to be together. She just wants to talk to who applied. So, yeah, I did. I should have blown, and he was out of town.

Now, is that typical? Because you're one of the only couples that's ever done that. And I understand she sent you back and said no, it's got to be both of you, correct?

Yes.

Okay. So is it typical that one of you is handling everything relating to money?

Yes.

Who? And who would that be? As a random guess, Carrie, might that be you?

Yes.

The one who filled out the application. The one who showed up alone. Okay, Taylor's over here. Laughing. Taylor, would you agree?

Oh, man. Yep.

How long have you two been together?

Almost eight years.

Eight years. Okay, Carrie, when you got together with Taylor, were you already pretty savvy with money?

Yes. Maybe not great at doing all the things I knew, but I knew what I should be doing and was doing some of those things for sure.

Was it concerning to you at all that Taylor was not at the same level of financial savviness?

Once I realized it, it took him, you know, Took a while. Yeah.

How long?

Probably six months of dating.

So, Carrie, we're here to talk about the role of money in your relationship with you and Taylor. And I was struck by the application that you wrote. Has Taylor seen that application?

He has not.

Oh no.

Okay. Would you mind if I read some of it out loud here?

Sure.

Okay. Taylor, the reason that I was struck by this was the severity and seriousness of the words that Carrie wrote. I'm a 33 year old woman who's been in an 8 year long relationship with my partner and we still can't figure out how to talk about money together. And I'm at my wit's end. I have been ready to get married for the last three or so years and now that he makes more, he is starting to express his desire to take that step too. However, in the back of my head I feel hesitant to say yes because I am so frustrated with his lack of care or desire to talk about financial concerns, plans, etc. This is in all capitals. I'm so tired of Venmo requests and figuring out who pays for what. I'd like to pause there. Carrie, you remember writing that.

You know the, the wits end part was I feel like I've tried a lot of different avenues to make it exciting or to ask a question or to draw him in and we. And he gets really excited about the dream planning. You know, we love to talk about the dreams and the what could it be. But then when I start delving into the details it a complete shutdown and block.

Thank you. Taylor. Hearing what Carrie wrote. What. How do you receive that.

Me being me sucks. I mean it, it. I don't want to say though it hurts because it doesn't. I don't care like. And she's the one that's feeling this way. So you know, it just. It just sucks. Sucks to. Yeah, it just sucks to hear because I should be better and. Should. I don't want to say be more of a man in the situation but.

Be.

Just more communicative and a better partner in general. I don't care about what I'm feeling. I care about what she's feeling.

But I care what you're feeling. So what. What are you feeling right now?

Oh man. The. Probably the one emotion I hate feeling.

Tell me.

Disappointment.

At who?

Myself.

This is the first time that someone showed up to our screening interview alone. My producer was like what's going on here? And I think it actually reveals a lot when someone fills out an application without their partner knowing or when you hear couples who didn't do the conscious spending plan together. It actually reminds me of These case interviews I used to do in college for management consulting firms, you go in there and they ask you a question like, how many ping pong balls fit in a 747? Or how many gas stations are there in the United States? The truth is they don't really care about your answer. But what they want to hear is how you break down a thorny problem. That's the same thing here. When couples work on their csp, I'm not really concerned if they get the calculations right. What I'm much more concerned with is how do they work on their CSP together. Are they cooperative or do they attack each other? Does one person do all the work? Right now it sounds like Carrie is the one in charge, but she wants something to change. And what I hear from Taylor is that he admits being disappointed in himself. If I had to ask you back then, eight years ago, what words come to mind for you when you think of money?

Oh, my God. Just to be honest. Terrified. Dad, my bill's paid. Great. I don't really care to talk about money kind of deal.

Got it.

I mean, yeah.

And what about today?

Way different. I would say the three words. I would say excited, eager, and. And I don't have as much knowledge, but yeah, very eager and excited. I would say those two.

Okay. That's a pretty huge change from terrified to eager and excited. And when did that change happen?

I think the issue today would be a different issue than it was because of my mental therapeutical journey. I lost my dad, like, right before I met Carrie.

And I'm sorry to hear that.

It still sucks. I feel like after I got better, I was able to mentally, like, process.

So you were in your 20s? Early 20s. That's tough.

24 years old, man.

Were you and your dad close?

Oh, yeah.

Did you seek help?

Yeah, I had to. It was. Covet came around and I lost both of my careers and I was just kind of stuck at home and I, I was just doing detrimental, you know, mental abuse to myself and not catering to anything I needed to do and whatnot. And so I decided to take my life back. And that's without a doubt been.

I.

Would say, the reason why that I've been able to, like, move past the fear and be excited because I've been able to, like, compartmentalize so many things in my brain instead of just being like a, A, a suit cocktail of just chaos. Yeah. And by doing that, I've been able to, like, process day to day things and not.

And that's me.

That's how bad it was. I couldn't even process hour to hour things. And when you can't do that, then you can't even begin to plan out your life.

Yeah. Are you still getting help?

Yeah, I still talk. It's very, very sporadic. I've gotten to the point now that I was the end result for when I started. And that was I call and make the appointment when I need it.

Wow.

Instead of having a specific every 10 days, every six days, every Tuesday and Thursday. That was the goal.

Sorry for your loss.

It's okay. It's okay.

What happened in those seven and a half years as it relates to money specifically?

I think it happened when I started making a lot more money than I've ever made in my life. I would say a couple years ago.

Things have changed recently, which is what prompted the kind of, I guess, ah, the application. Because now there's something to work with before. I mean, he's right in the sense that two, three years ago he was making very little money. There wasn't much to work with.

How much was he making?

Taylor, what was your hourly wage?

Well, a total, like yearly. I was making less than 40 grand a year.

And then recently you started making a lot more money. So how has that changed things?

It's made things really exciting. It's like, hey, all those big dreams and things we. You do love to talk about, they are very much now starting. We can start making some of these a reality. These can be within grasp.

Love hearing all this. But why are we talking like it sounds great, actually. He has achieved a lot. Taylor, you seem to be doing really well in your career. You're making way more than you used to make.40k. Psychologically, you're doing better when it comes to talking about money and dreaming. Why are we talking today? How can I help?

I think it's because of the application. I think there needed to be a. A type of financial mediation between us to like light a fire under my butt and let Carrie speak the way she wants to.

But Carrie, why have you not said this? You've been together for eight years.

I feel like I have tried to say it in lots of different ways. Anytime we've ever moved or made a big decision together, whether we chose to do something or chose against doing something, it's something I bring up to you. Or anytime we've ever had extra money together, you know, it's something I bring up to you. And the response typically is like, I don't care. Just like, do whatever you want to do. Like, I want to have free flowing, positive conversations with you about our future finances, money, what we want to do with our hard work together at any given, you know, mostly any given time. That's what I want.

Just kind of take. I don't know how to take down my, my walls of fear when talking about money. I have no desire. I have no idea how to do that.

Okay, hold on. Let's not talk about talking about money. Let's just talk about money. So you want to have a conversation about money? Go ahead.

So we filled out the conscious spending plan together and that was the first time legitimately that I have been able to get him to sit down. But not for lack of trying. But that was the first time, Taylor, that you and I, and we talked about this were able to sit down and walk through just general life, finances.

Yeah.

Right. I mean, we had never talked about.

Yeah. And it felt great. And it felt great too. It was.

Yeah. We hadn't talked about our, you know, like, I knew a lot of things about maybe some of your debt. I know that, you know, I know more than you knew about me. I would say so. That was a really interesting and really cool moment for me. I think you felt cool in the moment as well. To be able to sit down and be like, whoa, here it is all on the table. I remember you were like, whoa. When you saw the monthly number were like, I had no idea. I had no idea. At the end of it all was like, I was like, that was so cool. That was so positive. I told a few people about it. It was just the first time where I was like, ooh, he's willing to like, sit down and do this as a, as a team. And it was just really cool. I loved. Allowed us to talk together about what? Like, look what we have. How do we go to the next step now? We didn't. We haven't had that kind of conversation truly yet. But I saw it as like, oh, that's like a really good sign of like, here's the next thing that can come.

Yeah.

Agree.

I agree. 100. Well, it definitely opened my eyes to seeing. Well, maybe you don't. Maybe, you know, she doesn't really have all this everything figured out. And yet I still have so much to learn. And you taught me so much that day. Like, as stupid as that sounds, I mean, you did.

It was amazing.

I really enjoyed it. I. I really thoroughly enjoyed it, actually. I really enjoyed feeling like I was on the same level.

Nice.

But I also really enjoyed her smiling and being happy about it because it's never happened.

It's never happened with money. Yeah.

Yeah.

Well, that makes me happy. I love knowing that this little, modest, little conscious spending plan we created is bringing the two of you together. You guys are smiling, you're crying, you're having conversations about money in positive way.

Yeah.

I love that. It's all building blocks and learning that.

Just by having a simple conversation about numbers can propel us to a higher ground so easily. Just by having conversation about it and not being afraid of it. Why. Why the hell wouldn't we do that? Why would we do that?

Right.

I noticed that you're both crying. I'm curious why.

I feel like it's been very unfair to carry. And what has.

Our.

Our lack of financial conversation. Because she has done so many things to fulfill my needs. There's nothing like bringing up something, you know, right in the teeth and, and just. It just. Yeah, just really.

It just.

It hurts. It hurts to know that, you know, you have somebody that's done everything they can for you, everything they can, and you haven't really reciprocated that too well.

I have always seen such extreme potential with Taylor, and it's been really, really cool. I mean, I obviously have extreme, deep love for him, I think, which is where the emotion's coming from. But I have seen such. Such strong, incredible potential out of him over the years. And then I've gotten to see him, you know, incrementally, like, meet that potential in areas, and then this is just kind of the one area that just will not get met. It's this piece that I find so important because I, I. It's. It's everything to take us where we need to go and to have the life we want. But it's, you know, he can't see that. And I have just never been able to, like, make him see that. Money is the tool that, the vessel that gets us to this wonderful dream world you. You love to talk about.

This is why money is emotional. It's not enough for me to sit here and throw a spreadsheet at someone and say, cut your fixed expenses to 60% of net. We bring a lifetime of experiences to our money. Love and loss, confidence and insecurity. The numbers on the page are just an output of those experiences. They're not the input. They're like the fingerprints showing us clues of where we've come from. What I want for people is to recognize those clues about themselves. I want them to deeply understand how money works. And then I want them to decide on their future together. That's what I mean by designing a rich life. It's not about swimming in cash. It's about deciding what do I want my life to be and what do we want our lives to be? What would make this life incredibly meaningful for us? It could be as extravagant as buying a supercar or traveling four months a year. Or it could be as simple as building a lifestyle where you can pick up your kids from school every afternoon. But it has to be intentional. And if you're in a relationship, it has to be done together with Kerry and Taylor. Kerry's in charge of the money, and Taylor has some very valid reasons for the way he's ignored money and felt insecure and incompetent around it for a long time. But it's not working for them. Listen now as I try to get him to make a connection between an area of life he's really good at and his money. 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 a hundred thousand 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 zone.com ramit to find and instantly book a top rated doctor today. That's Z O C-O C.com Ramit Zocdoc.com.

Ramit.

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 if we ended our call right now, how would you feel about your future as it relates to money With Taylor?

I would feel nervous. He feels like he doesn't. Isn't confident in a topic or what's being, you know, discussed.

Right.

Or had.

Taylor, what's an area of your life where you're really confident?

Music.

Love it. Let's talk music. I think that's the industry that you're involved in. So you know, music, that's what you do for a living. You've been promoted. You're now making a lot of money. Fantastic. What's a question I can ask you about some music thing right now? Just give me a sample question for what I do.

You can ask me how many lighting. How many lights and lasers I have in my rig.

Okay. Love it. Okay. This is a great. This is a great question, because I don't even know the answer. Taylor, how many lights and lasers do you have in your rig?

As of right now, we have 288 lighting fixtures and 12 lasers. And I can tell you every spec on every single one of them.

Okay. I love that answer. Thank you very much and thank you for playing along with me. This actually helps me understand you a lot better.

Yeah.

The answer you just gave me had two things that I think were notable. First, it was extremely direct and concise. No circling back and going forward. And second, you actually laughed.

Yeah.

You're comfortable. So keep going with me for just a second. What would it feel like if you took that same feeling of competence that you just had in that answer and you applied it to our discussion about money?

I would feel great. I feel like a superhero.

Love that. Keep going.

It would just feel awesome. It feel cool to feel that confident in something that I'm not at all confident in.

Love it. And I see that smile on your face. One of the first times I've seen that. I love that. I think you would laugh a little bit more. I think that would be awesome.

Yeah.

Okay. And I think you'd be engaged. I can even see you physically leaning forward. I love this. So we gain confidence through competence. You may not have the most competence with money on today's conversation. That's okay. But what I want you to try to do is to bring that feeling of confidence with you into our conversation today. Okay, Cool. All right. So, Kerry, how would you characterize your role when it comes to money in your relationship?

Historically, I have been the breadwinner, the main money maker of the family, which has truly never been a contentious point between us.

Who manages the money?

I manage the majority of household things and have slowly asked him to, you know, over the recent years, take on some of that.

Okay, great. All right. So you would characterize your role as the breadwinner, as the primary money manager. Any other ways you would describe your role with money in your relationship?

The planner, the one thinking ahead about what comes next. How do we get there? Do we set aside this much money? Do we not buy this? Do we do that? Do we get this cheaper thing?

You read my book?

Yes.

Okay. All right. Now let me ask Taylor. Taylor, I already know you didn't read my book, so let's just get that out of the way. He's laughing. All right, check. Taylor, how would you characterize your role in your financial relationship with Carrie?

I. I'm very much so. The Southern man.

What's that?

In the relationship? The outdoor guy, the physical labor, things like that.

Okay.

Carries the planet. I mean, that's just as nutshell as I can get it.

Okay, got it.

He's a helper.

Yes, Helper. Taylor, if you are the helper, then what is Carrie?

My boss. I'm just kidding. I'm just kidding. I would say she's got her hand.

Over her face right now.

Oh, God. I know the doer. She's an action. She's an action person, not a words person. And I'm the exact opposite.

What are you, Taylor?

I'm words. Words for if you look at me and tell me that everything's going to be okay and you just look me in the eyes, it's all right.

You, words guy at work.

Yeah. Everybody knows me as the guy that.

Just talks a lot. Okay. But don't you have that rig with 288 lights and lasers.

I do.

So you. You carry those things around, transport them, put them up, take them down, all that stuff, right?

Yep.

What's the difference? Sounds like you're not just talking, doing a lot of.

Well, got 90 minutes every night that when the guys are on stage, I'm at my console in front of house and I'm doing the entire show.

What if you're just chatting with people around going, hey, you know, this is so cool, the lasers. Oh, my God. 200 megahertz.

I'd probably lose my job. Really? No, I'm just kidding. I'm just kidding.

I don't think you're kidding. Right. If you just talked and didn't do.

Yeah, I'm actually not kidding.

So make the connection with your relationship. If you just talked, what would happen?

Nothing ever. Nothing ever gets done.

And take that to the logical extreme, what would happen?

This becomes no more. This conversation doesn't even exist. This home doesn't exist.

Carrie.

I think that's. Yeah, that's a. Certainly a conclusion that could take place. It's not. It's not necessarily about money. It's about what we look like together in 10 years. Like, what if we have children? What if we decide we want to do certain things with those children? We need money to do that. Money is the vessel to get there.

Let me just cut in here. Whatever you're feeling towards Carrion, Taylor, put it aside for a second and really try to understand his perspective. He identified himself as a Southern guy. He said his job with finances is words. In other words, to reassure her, he works hard and he makes money. If we dig into this, I suspect Taylor would say he's living up to the exact ideal he was raised with. Southern guy makes money, provides for the family, tells his wife everything's going to be okay. What's wrong with that? And why isn't this working? That question, why isn't this working? That's how I approach the next part of this conversation. I'm not trying to tell him something's wrong with him. It's not. It's just that this unconscious picture of life that he's trying to color in isn't the same picture that Carrie wants. The stakes are high, and I think that talking is good, but it's not enough. Okay, so you mentioned the Southern husband. What'd you call it, Taylor? The Southern man.

Southern husband, Southern dad, Southern.

Okay. All right. What do you remember about money as a kid? Who'd you grow up with? Mom and dad.

Mom dad.

Okay. What did they say about money when you were a kid? What do you remember?

I'm being completely honest, and I say hardly anything.

They didn't talk about money? Yeah. Okay. Who paid the bills?

My dad. My mom was stay at home Mom.

You ever see your mom paying bills, engaging with money in any way.

That made the money? Well, let me tell that. Dad made the money, mom paid the bills.

Oh. Would she write the checks and, like, take it to the post office and the stores and stuff like that?

Yeah.

Okay. All right. Ever hear any disagreements about money from your family?

Never.

No. Southern.

My dad worshiped the ground my mom walked on.

Your dad never even had a debit card?

My dad passed away at 64. With no debit card? No credit card. No cell phone. No cell phone or anything.

Why?

He was old school.

As you got older, when you were in high school, do you remember your family ever talking about money at all?

No. The only time I ever remember was my dad telling me at 14 or 15, probably time to get a job so you could save up, buy a truck. Right.

Wow. Was he kidding or was he serious?

Dead serious.

Was there ever discussion of you going to college or. No.

Yeah. Oh, yeah, it was.

Did you go?

I was gonna play soccer in college.

Okay.

I didn't do it. I just went to. I wanted to be a normal kid.

How did you pay for college?

Pell Grants. Up until I almost left school because of bad grades. Then I had to get student loans.

Okay. How much did you walk out of college with?

Oh, I do know. That was so long ago. It was 12 years.

10 years ago. Probably 20.

I want to say it was right around, like, 30. 30,000. 30 something thousand.

Did you pay that off or are they still around?

Yeah, I. I only have about. I think I have. That's on my sheet right here. I think it's just under 14 or whatever it is. It's just right around 14,000.

Okay.

Okay.

If you had to describe the way that you treated money, let's say, from college until your mid-20s, how would you describe it?

Lighting it on fire every chance I got.

Why?

Can't take it with you when you go, Right.

Oh, wow. Who said that? Who's the first person you remember saying that to You?

My dad, probably. And then the song.

You can't take it with you when you go. What does that mean to you?

Better enjoy your life now because you won't get to when you're dead.

Yeah. And so the implication when it comes to money is what?

Get rid of it. If you got it. You got it. You might as well get rid of it and buy some things while you're here.

Carrie, hearing Taylor talk about this, the truck, his dad, anything surprise you there?

No.

No. What do you observe about Taylor as he talks about his early 20s, lighting, money on fire, things like that?

I think he was lost in that time frame. He was scared and just trying to find purpose in a sense of who he was. He went the route of, you know, easy, fun, let's do whatever we want, because I could die tomorrow.

I could die tomorrow. In fact, Taylor, your dad had recently died.

Very exciting.

Yeah. I mean, one thing that I haven't really elaborated on, and I'm glad we touched on that, of. They can't take it with you when you goes. From the time of my dad passing until right now, I've lost a lot of people and very close people in my life. And it's. It's definitely taken a toll on me, but it definitely took a toll on that and made that far more worse than I ever heard it as a kid. Like, money burned a hole in your pocket. When dad crazily, just out of the blue, passed away randomly one Tuesday, I was like, oh, my God, I have no choice. Like, I have to. Dad was right. I got to listen to my parents, like, and it just. It just completely elevated the. Can't take it with you when you go. And I think that there's been so many times in my life in the last eight years that instead of not spending money, I spent money.

And.

And I knew I shouldn't have, but.

Yeah.

How do you. How do you tell. How do you tell your broken self that?

Now we're starting to see these layers of Taylor's life. His dad passed along some lessons of money to him, lessons that might not be applicable today anymore. Then his dad passed away, and Taylor spent his early 20s, quote, lighting money on fire. All of this while being influenced by a stoic southern culture around him. 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/ramit. That's whisperflow AI ramit, wispr, AI ramit or click the link in the description below. 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. G 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. Carrie, you grew up in the south as well. Okay.

My dad was the the main money maker and my mom was a stay at home mom the majority of my life. He is an entrepreneur. He's been starting, he's owned his own law Firm for years, criminal defense lawyer. And then my mom also went and kind of did the entrepreneurial thing and did a lot of multi marketing level type.

Oh.

God. All right, well, that's for another day. All right, so who paid the bills on a monthly basis in your family?

So I've heard my mom state this numerous times, that growing up, it was always her. She always managed the money. He brought it home, gave it to her, and she did everything. And then as we got older and left the house, the children, and they aged. She told him she was sick of doing that and she passed it over to him. So now he pays the bills.

Wow, that's interesting. Do you ever ask her about that? How'd she do that?

I've never asked her how she did it. But my, my dad's similar to what Taylor said about his dad and mom, like worships the ground she walks on and, and definitely thinks she is smarter than him. And we have, I would say we have a similar dynamic. Taylor and I's relationship to my parents. Dynamic.

You don't say.

And so I think when she laid, put her foot down and said, I'm not doing this anymore. He said, okay, I'll do whatever you want.

And Carrie, have you put your foot down with Taylor?

In small ways.

Let me ask that again. Have you put your foot down with Taylor?

No, not really. I don't want to have to be that person. I feel I don't want the role of a mother. I view that as my mother. And I view him thinking of me as a mother, like as both his own and what my mom does. We know each other's moms very well. Yeah. And I don't want that image in his brain that that's who I am. I'm his girlfriend. I'm his, you know, his love. I don't want a relationship where I feel like I am your mother telling you what we need to do and not to as a couple and making all the decisions for us because I know better or I'm smarter or have more experience.

Can I point something out to you? When I asked him how he characterizes his role in your financial relationship, do you remember the word that he used to.

The helper.

Yeah. You know's helper. Children are helpers. Here I have this tangerine. Can you help me peel it? Here, be my helper. And who is handing the child the tangerine?

Mother.

Yeah. So you may not want that mothering dynamic, but the fact is it's already happening.

Oh, I, I, I'm, I know. Oh, you know it, I know it, I know it. And I don't. And I, I, I think that's part of that harshness and the application is that I don't want that anymore. Never have.

All right, so let me make sure I get this. Totally accurate. In your dynamic and the dynamic of the people around you, the Southern husband or Southern dad is outside physical labor. Are they the primary earner?

Yes.

Okay, so in this relationship, that part's a little different, but they're sort of making money or they're outside fixing things. And then their wife, she is. What? Carrie. How? Would you finish that sentence for me?

She's paying the bills on time. She's calling the service repairman technicians when things fall apart. She's buying the groceries. Most of the time, she's knowing when we're out of things and have to replace things. Okay, But I am very much wanting to split the responsibility. I want to partner in those things. I don't want to have to maintain all that knowledge myself.

It's pretty different than the people you grew up around, right? What do they think about this? About wanting to split the responsibility?

I think those that are our age would agree with how we feel. And everyone older than us looks at us like, what are you talking about?

What they say? What words do they use to describe it?

That's just how it is.

Keep going.

You do these things, the man brings them the money. Oh, and if you're bringing in the money, well, then you take, you know, he can take care of that and just don't worry about it. You know, just. That's the roles. The roles, the rules.

Okay, Taylor, Anything that Carrie didn't get in those phrases?

No, that's. That's very spot on to.

Okay.

How it is.

Okay, so you've heard that as well. Okay. All right. And Carrie, what do these folks say? Do they know that you make more?

Yeah, I think so. Maybe not now, but certainly in the beginnings of our relationship, first five years, I think it was obvious. Yes.

It's so interesting that, you know, Taylor, you had this offhand phrase a little while ago. You said something about manning up. We've all heard the phrase, you know, he's got a man up. And it's so interesting that typically when we think of the origin of that phrase, man up, we think of the man as what? What would you say?

Typically, the man is, you know, breadwinner, blah, blah, blah. And this, the house owner, the earner, the driver in the car, you know, just. Just things opening the door, you know, watching out for the kids, holding the baby, changing the diaper, you know, when mom is not. When mom feeling good and things like that. It's just that's. That's the Southern mentality way of life for a man. Like, man up, like you said, that's just what it is.

But it's so interesting that you took that and you adapted because Carrie makes more. So you retained some of that old belief that you grew up with, that the man does the outside physical labor, but Carrie earns more, and you've now integrated that into you being a man, and you don't seem to have any issue with it, correct?

No.

I think that the old version of the Southern man up needed to be modified. I think my. My version of it, in my opinion, is the best modified version for the man that I need to be. It doesn't matter who makes more money. If you're collectively earning money together and you are creating a life for yourself that you feel like is an abundance of life and a financial abundance for you later in life, then what does it matter?

Very progressive. Okay, I'm with you, Taylor. I'm with you. I have to say I'm very impressed hearing how the two of you have clearly thought about roles. And when I ask you questions about how you grew up, you just, boom, you know those answers because you obviously grew up around them hearing these phrases over and over again. Southern culture is a very strong culture. I love this podcast because we get to hear about different cultures every single week. I remember the Pakistani couple from episode seven where he was expected to send money to his parents whenever they called. And if you grew up in America without immigrant parents, the entire concept is totally foreign to you. I love being able to bring those stories here to the podcast. And now today, we get to hear Kerry and Taylor talk about Southern culture. Notice how they can articulate the exact words that people around them say, like, that's just how it is, and that's the roles. That kind of tacit knowledge is never written anywhere, but it is nonetheless very real. So big thanks to Carrie and Taylor here for sharing the culture they grew up with. They may not think it's noteworthy, but I do. I think we all do. What's even more special to me is that they are assessing their culture and deciding what parts they admire, what parts they want to retain and what parts they want to change. That is extremely advanced and in my opinion, extremely admirable. By the way, as we're sitting here talking about Southern culture, I was thinking if I could have any accent in the world. Of course it would be Australian, but after that, I really want that thick West Texas accent that Coach Taylor has from Friday Night Lights. Can you imagine listening to this podcast and I was talking like that. This would be the best podcast on the Internet. 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. BILT 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 join built.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. A coworker of mine uses a water delivery service and her dispenser broke. So she called their support and they said, we'll send out a replacement Tuesday by 3:00pm well, nobody came. She followed up. No response, tried calling a bunch of times and then got stuck on hold. And then she gets an email that says, we're rebranding. Thanks for your patience. That's nice. But she still had no water. That's the problem when a business has no clear system for handling customer messages. This episode's sponsor, OpenPhone, fixes that. OpenPhone is the number one business phone system that streamlines and scales your customer communications. It runs through an app on your phone or your computer. No need to carry two phones or mess with a landline. Your team shares one number and handles calls and texts like a shared inbox. That means anyone can see the full conversation and step in without missing A beat keeps everything fast, clean and consistent. Even if five different people touch the same customer thread and after hours, their AI agent can actually step in to handle calls, answer questions, and capture leads so you don't lose business when you are offline. OpenPhone is offering my listeners 20% off your first six months at openphone.com ramit. That's O-P-E-N P-H-O-N-E.com ramit. And if you have existing numbers with another service, OpenPhone will port them over at no extra charge. OpenPhone. No missed calls, no missed customers. What is a specific example where the two of you have tried to talk about something and it didn't work?

I can give one. Something that Taylor loves to explore and talk about and dream about is a, another home in a desirable beach town location. He talks a lot about la. Okay, you know, how cool would it be to have a little condo or a little apartment right by the beach and, or a studio that I could go to and work from, you know, that sort of thing. Or, and he loves the Zillow hunts.

What cities are you looking in, Taylor?

Oh, man, I, I love California. I love the cell. I love Southern California. I love, love Arizona, New Mexico. I know there's not a beach there, but they're just really cool. And Florida, just because that's where I grew up going as a kid.

Okay, all right, got it.

And I'll say that is cool. You know, I'll be like, yeah, it's like not that far reaching of a price. Like, maybe that's something that is in our future. What, what would it look like to get there? And he's like, well, I don't, he's like, I don't want to, I don't.

Want to do that.

Like, just like, it would be cool. Like, right? And I'm like, he's like, why can't you just say that? I did say that. I also just said, how else can we do, how could we make that dream a reality? Also, would you be cool with another place that's maybe more affordable? What if it was like Costa Rica and that sort of thing? And you know, and he's like, oh yeah. And he, he'll kind of go on that dream journey there. But then as soon as it gets down again to like, you know, you can buy land there, maybe we start out with just land and do it like that, he kind of shies away again.

What do you think Taylor is feeling at your response?

Frustrated that I can't just be in.

The moment I think there are whispers in the back of each of your heads, little whispers causing you to behave in peculiar ways. And your partner knows them. And so you start to respond to each other's whisperers, and the two of you haven't actually gotten honest with each other in a long time. Watch. Carrie, what is the whisperer on your right shoulder say, whenever you think about.

Taylor and money, he's not ever going to be interested. It'll always be something you have to handle and take care of. It's something he has the capability to understand but. And. And learn about, but doesn't. But for some reason doesn't want to or care.

He could do it, but he doesn't because.

He is comfortable with the way things are. And I. I already do it all.

So therefore, in order to get him to care, what I really need to do is.

Pepper him with questions. Ask him all the time about what comes next. How do we do this? What does this look like? Yeah.

Yeah. Force him to care. I'll do it one way or another. I'll ask him questions. I'll ask it random times. I'll take a dream and I'll interrogate the logistics of it into the ground. I'll do everything. Because if he doesn't care about money.

Then he doesn't care about our future.

Yeah. Are you a project manager? I.

She's a Scrum master.

You're a Scrum master. She's like, okay, I got the logistics. Everyone did their five minute stand up. Now we're going to come up with action items so that we can all sync up for our scrum tomorrow.

We have a scrum board in our garage all day.

What do you guys use? Jira. Okay. Oh, God.

All day, every day.

Listen, I love. I love a. A good project manager, but I've found that it's difficult to apply some of the same principles in an intimate relationship. One thing I want to suggest to both of you, the more you talk, the less your partner will remember. Go ahead, Taylor.

I want you to come to me with a plan about how you are going to use extra money that maybe we have available to us.

I was waiting to see if you're going to fill the silence, and you really. You were about to trip over yourself to get some. Some words out. I was like, all right, we're about to have a choking incident on this podcast. Nice work, Carrie. How'd that feel?

Tough.

Why?

It was hard to condense to a simple statement.

Yeah. Why?

I think I'm used to having to constantly Justify why I'm asking for it.

In other words, some. Sometimes for the most valuable things in life. What if instead of adding more, we subtract everything non essential? What would that feel like when the two of you are talking about money?

It would probably feel very straightforward and simple. Which are things, traits and things that I enjoy, especially in my job.

Oh, you enjoy being clear and communicating with clarity.

Yeah.

Oh, gosh, I sure would love to see that here. I think you could do it, actually. Do you know why you're not doing it? Look at my hand. What's that thing on my shoulder? The little whisperer. Taylor, any surprises hearing that?

No.

Okay, let's talk about the person who whispers on your ear. What do they say to you about money?

It's terrifying. It's overwhelming.

Keep going.

Scary. Run away. Run away from it.

Wow. Why? Because if you run away, what will happen outside?

Out of mind. It's not important. Huh.

Why is it not important?

Because money is the root of evil.

Okay. What are the only things you need?

A home over my head. Money in the bank. Her.

Yeah, that's what that voice says, right? You. We don't need all that fancy stuff. We just need a roof over our head.

No, not right. Yeah, and some. And a little bit of cash.

Huh? Anything else?

A golf course within five miles.

Okay. The very particular taste this Whisperer has.

Yeah, you should see him on the golf course. You should hear him on the golf course. He's a jerk.

This is pretty interesting, Carrie. Any surprises?

No.

For you, Taylor, hearing Carrie's whispers? No. Okay, that's good. Do you both realize the impact that these whisperers is having on your life?

I didn't until now. There's got to be a way to get rid of that guy.

Yeah.

In fact, as one of your pieces of homework, I'm going to ask you to really articulate all the invisible scripts or the deep beliefs that your whisperer has taught you. Okay. All right. So, Carrie, I'm back to what you actually want Taylor to do in one sentence. Would you like to give it another crack? Feel free to take a second to think before you speak.

Sure. Taylor, I want you to be my equal partner in all important discussions in our life. I want you to contribute equally and share your own ideas for how to get there.

I, too, want those. I want to become that equal partner. And I know it's not going to be an overnight thing, but I'm 1 million percent in this. To become that person that I know that I can be, that you know that I can Be for our future.

Okay.

And I'm committed to that. I'm very committed to that.

How do you take that, Carrie?

I, I take it well. I, I love the words.

And, and what is success going to be for you? It's not words. What is it going to be?

Success is seen. Is him coming. Here's a very real example of a success to me is him coming to me and saying, hey, I've set up a direct deposit into the savings account that we've already discussed and I am now contributing 10% of my salary towards that so that we can get to that, like doing it almost all himself. Getting the information he needs to do it from me is fine.

Okay.

But actually coming to me with it.

I'm gonna share some candid feedback on that. Is that okay? Okay. First of all, I think that's great. That's a great example of a behavior. Taylor could definitely go and set up auto pay and have it coming in all that. In fact, I think you should, Taylor, that's like a no brainer. But that takes like 30 seconds. How can your dream be that small? That your boyfriend potentially fiance. That your dream is that he sets up an auto pay?

Because the bigger dream that is actually there feels unattainable.

Yeah, but the dream is not about the house. It's not about that, is it? What is the bigger dream?

No, the bigger dream is a. A shared alignment and responsibility, getting to whatever we want.

Taylor, what are you hearing when you hear her say that?

There's no better time than now than to, like I said earlier, take back control of the financial aspect. Take control of the financial aspect of my life, whatever that entails.

What does it entail.

Exactly? The way that I feel about my job. Getting the job done no matter what it takes. And being dependable. I think being dependable is very important in this regard and trustworthy. And I think that's one thing that if I were, I need to carry into my financial aspect of my life because I have it in other facets of my life and I, I know I can teach myself how to do that and, and becoming very independent in a financial aspect of a person, but yet still dependently living with someone, doing that and accomplishing things together is, you know, I, I think that's a very attainable, obtainable and achievable goal. And it doesn't take a long time to do that. I hear what she's saying. Yeah, I want to take that to, I want to take that to the bank. No pun intended.

Yeah. As much as you care and have worked for where you are with your career and the job. To get to that level that you are so proud of. I want the exact same care and work towards our future.

And you deserve that. And you deserve that. You deserve that. 1,000%.

All right, let's take a look at their numbers. Their assets are $711,000. Their investments, $37,000, savings, $15,500, and their debt, $650,000.

All right, total net worth, 113,300, I think.

Okay, 113,000. And you two are in your early 30s, right? All right, so what do you think of that number, Carrie first, then Taylor?

Total net worth? I think it is decent.

Okay, Taylor.

I mean, $113,000 looks amazing to me. But that's just, you know, the small town, I mean.

Okay, you guys still live in a small town?

No, we live outside of Nashville.

Okay.

All right.

All right, let's look at the income. What do we got? Let's start. Taylor, this time you tell me your combined gross monthly income, how much is it?

17,717 bucks.

So you guys make that every month? Gross. So over the course of a year, you make $212,000. What do you think about that?

It's mind blowing.

That's crazy.

I've never known anything like that in my life.

I'm giving you a round of applause for that. That's amazing. Early 30s, outside Nashville, making over $200,000.

A year with two homes.

Yeah, that's amazing.

So cool.

All right, well done. That's great. Your net is about 15,000amonth. That's very nice. Your fixed costs, what number is this? Carrie, your total fixed costs.

44%.

44%. What do you think about that number?

I'm very happy with that.

Okay. And Taylor, what do you think about that number?

Very happy with that, too.

All right, your investments, Carrie, tell me this number.

8%.

All right. It's like a little low for someone who only spends 44 on fixed costs. We'll find out the rest. Oh, savings is 21%. What? Okay, and let's just finish it off and then we'll dig in your everything else, your guilt free spending is 26%. Who makes the 10,733 a year?

I do.

That's you. Okay. And Taylor, you make about 7,000amonth. Okay. All right, fine. All right. So you, Carrie, seems like you have some remnants over what used to happen in the past when you made way more than Taylor did. Have you adjusted this based on Taylor's new income.

Certainly not the investments aspect and we haven't spoken. He has made his own adjustments in the savings area, but we haven't like.

Okay, I got it, I got it. So you're actually investing, you personally are investing 14%.

Correct.

But he's investing nothing. Taylor. But you're saving 30%. Okay. This is very typical of somebody who grew up like with their parents. Not talking about money. Taylor, when I say the word investing, what comes to mind for you putting.

Money away to, for the future?

Well, how come you're investing zero then?

Because I, I, I don't know, I, I go deeper.

With me, investing means what is it good or bad?

It's, it's good. I think investing to me means just putting money in your savings account. But that's clearly not.

Yeah. Who taught you that? Mom and dad, but they didn't really talk about money at all. Right, so what did they say instead? They ever use the word saving? You should save.

Yeah, just put money. Make sure you get enough money in your savings. Make sure you not got enough money in your savings.

That's a small town, that's a real small town type of thinking. Yeah. And I don't mind it because small town has a lot of great values associated with it. But when it comes to like asset allocation. No, we're not going to do that. I can actually see your values transferred from your family reflected on this spreadsheet. It actually tells me so much. Taylor, let me show you. So I'm looking at your investments, your own money, you're investing $0. Okay, zero. So just to put a very blunt point on it, if the two of you split up, you have zero dollars that you have invested at least on a monthly basis with your new income. But I want to point this out to you. This is your family's influence in some ways very positive. You're actually saving a lot of money. You're saving 30% of your money, that is $1,800 a month in a long term emergency fund. So you can actually see the whisper from what when you were seven years old and hearing you're saving is good. And it is now reflected in your behavior Today as a 30 something year old man. What do you think about that?

I think the phrase the apple doesn't didn't fall far from the tree is really important. But it's very true.

It's true. It's so true. Now again, we can honor our values, we can remember where we came from, but we can also design our own future. Our Own rich life. I think that's what Carrie's really asking you. She's saying, look, step up. We can't just do the things your parents taught you. They grew up in a different time and they didn't teach you enough. Anyway, I need you to do this with me. Right. Design this with me. And so my question, Carrie, is like, what are the stakes? Like, because this is an expectation issue. I. I don't think you've been clear about that.

No.

You were clear, though, when you wrote your application to me. Sometimes we're clearer with a third party than we are with our own partner. Not blaming you, that's totally normal. But you asked me here, and so I want you to use my presence as much as possible to really get clear with yourselves and with your partner about what happens in this relationship. How are you going to move forward if you are so easily distracted by Taylor's conscious and unconscious avoidance tactics?

I don't know. That's. That's the problem.

Taylor. You see what just happened there? Just pretty quick, but pretty deep.

Yeah. Okay.

We looked at your numbers. Taylor recognized that now's a very good time to start, that he's got some work to do to understand 401ks things like that. When you wrote me this application, I want you to really reconnect with where you were when you wrote that, and I want you to be honest with yourself about. Have you gotten your questions answered? Have you gotten what you need?

I don't feel like there is much of a plan beyond this call. I am excited that he maybe has more visibility or understanding of, like, you know, what could. If we just do this, what could happen?

Yeah.

But I don't necessarily see a plan in place to continue that enthusiasm or ensure that that continues and takes place.

I agree. Taylor, do you agree?

I. I agree. From her perspective, absolutely.

I agree.

This is something I've struggled with my whole life, and there are times that I. I've gotten better, and there are times that I've gotten worse. And it. It. To me, it. It really doesn't make sense.

Well, let me. Let me put it this way, Taylor. Right now, the level that you're operating at is not enough for carry. Whether you've gotten better or worse is irrelevant. The level you're performing at right now is not the level that Carrie needs in a partner. So you have options. What are those options, Taylor?

I think I have one option, and that one option is to perform and better to be that.

How?

Equal.

That's just a word.

How.

By any means. Necessary how?

Specifically, tell me, how are you going to get better?

Talking. Talking to her more, coming to her more.

Okay.

Establishing an equal partnership in a way by communicating of what I need to do via her mouth, being fully present and attentive. Nothing else on my mind except for what is she saying and what I need to do to become that.

I think it could be good for us, could be to decide, because I mentioned talking regularly. So decide on maybe a regular time that we sit down and talk about if anything has changed with what we're working toward.

I really like that because I'm. I'm very. All my jobs and everything I've ever done has been schedule oriented. And if I know I'm supposed to be somewhere at a certain time, I don't miss appointments.

Taylor, you know, you've been together for eight years. You clearly love Carrie. This obvious. Can I just say that I think if you had the ability to do this, you probably would have already done it. So what about getting a little help? I mean, that's what you're doing, talking to me, which is awesome. I'm glad you're here. You're both showing a lot of candor and courage. But, Taylor, I'm going to suggest that it probably be a really good idea, maybe for the two of you, maybe individually, to. To get a little coaching, a little help, maybe a therapist, help you communicate more effectively. H. How do you receive that? You open to that?

I. I want to do anything.

Love that. So to me, that's a really clear action step, which is I'm going to find a couple's therapist for us to talk to. That would be a big sign. Carrie, how would you receive that? If he came to you and said, I found somebody, I'd like us to go once a week, etc, I would be.

Lord, I. That was something I tried to do three, four years ago before he was ready.

Okay, Taylor, you ready now?

Absolutely.

All right. Carrie, would you like to respond right now? You look like you got something to say.

Yeah. That would make me feel like he. He cares deeply about the importance or of, you know, our future.

I'll be the one to do that. And if I don't know how to do something, I have all the resources necessary in accessible to me to figure that out. And if I don't, that's just a sign of laziness.

You know, I really enjoyed talking to Carrie and Taylor. I'm not sure what's going to happen in the future, but that's not always the purpose of this podcast. The purpose is not always to give people seven steps you must take tomorrow that often takes a lifetime. A lot of times this podcast is simply so that people can feel listened to, that maybe they can make a connection between the way they grew up and the way they are behaving and feeling towards money today. I don't have a clear set of action items that I heard from Taylor and I really do hope that he's able to make the changes that Carrie wants. Let's listen into their follow ups and if you're watching on YouTube, you can actually see these on video.

We just had our interview with Ramit a couple days ago and he asked us to send a video answering two questions. The first being what surprised me the most. And I think what that was was Ramit so quickly catching on to the fact that in his words, what we do is we communicate to each other's whispers instead of what we're actually saying to each other. We're responding to the little people on our shoulders communicating in that way, which is not serving us. So that was really surprising with how quickly he was able to identify that and catch on to that. Otherwise, the specific number one realization that I've had about money is that it's not comfortable for everyone and that's okay. And that they're are ways to communicate directly and simply for those who are not comfortable. I think I've been trying to force conversations just to get something and this made me realize that there is a better way to communicate and speak to my partner. Just overall, it was an amazing experience and we thank you so much.

For me and now Taylor Ramit.

How's it going, man? Coming to you live from my tour bus. I just wanted to answer, you know, your two questions and first off, wanted to start it by letting you know how, how important our conversation was to me and how it's given me a lot of clarity in moving forward on, you know, becoming that better partner financially and becoming that better person individually in general. But number one, what surprised me the most is I was surprised at how easy it is to just look at your partner and talk about important issues, especially when it comes to finances and when it comes to achieving things together. My number one specific realization I've had about money is it's not scary. It's not scary anymore. It's not. It's not something I should be afraid of. It should be something I'm excited about because money can not only help me in my life and in my future, but it can, it can help generations to come. After this so that, you know, they're taken care of. But also they're showing the light in a way that I, I have been shown the light. So I just, I want to thank you again so much.

Well, I appreciate that. I appreciate you both. Carrie and Teller, thank you for coming on. Please keep me updated. I would love to hear how your rich life progresses together as you go forward. And if you're listening and you enjoy the Money Psychology that we talk about today, make sure you sign up@iwt.com podcast newsletter. That's free. And every single Saturday, I send out a new podcast newsletter that you will not see anywhere else. So get on that newsletter so you can get this Saturday's Money psychology podcast newsletter. Iwt.com podcast newsletter 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 youh 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.