Kate and Christine paid off their debt but still feel guilty about money. They worry constantly about future costs like preschool and student loans, and keep having the same arguments about whether it's okay to spend within their budget. Ramit helps them see where the guilt comes from.
As you know by now, I have a Netflix show called how to get Rich. It's out now. But what you might not know is that I've actually interviewed the guests from the show for this podcast. Last week we released our first Netflix reunion episode, and a new one comes out this Thursday. You need to go watch the episode on Netflix right now because I don't want to spoil anything for you. You'll also get to hear from Natalie, someone that I have gotten a lot of questions about. She's going to share what it was like to shoot the show and where she is now. So go check out Netflix right now so that on Thursday you can come back without any spoilers and listen to this very special I will teach you to be rich podcast episode.
I just carry a lot of stress worrying about the past and the future. Someday we're gonna have to start paying off these student loans again, or someday we're going to have to pay for preschool. Preemptively worrying about things like that. I think I spent a lot of years of my life anticipating that I was going to never do well financially. So I was, like, mentally prepared for that until I wasn't.
I don't think you should feel guilty for standing within our plan.
And I wish we had a little extra over at the end of the month just in case of things going wrong. I don't know. I feel like I'm just always double checking to make sure I understand it all. Do we really have this much in our grocery budget or do we really have this much in our guilt free budget? I don't believe that it's real.
I was feeling like she's gonna hide money or hoard money from me, and she was feeling like I was about to put us back in credit card debt.
I want to exude more confidence and competence in our financial relationship. I want to learn these things so that I can teach them to my son in ways that my parents did not teach me.
Meet Kate and Christine. Kate's 28, Christine's 33, and they live in Michigan with their new baby. What's going on is that they both come from very different backgrounds with money, and they keep having the same conversations, which makes it feel like they're spinning and getting nowhere. As you listen, I want you to think about an area of life where you have felt stuck, that is Kate and Christine. By the way, I wanted to let you know that on each episode, now we're highlighting each couple's numbers on screen for our YouTube viewers so it's easier to Follow along. And people on the YouTube channel really love it. They like being able to see the numbers plus their faces and body language. So I would highly encourage you to check it out. Just go to YouTube and search for my name. You can also get a copy of my book, including the audiobook on Amazon and Audible. Let's get to it.
We've been having kind of the same conversation over and over for a long time. At least a year, I think.
A year? Yeah, since we got out of debt. When she thinks about money, it's. It's always a negative emotion for her. I mean, I wouldn't mind if she brought up money to me, if it was like, hey, I want to do something today. Let's more positive and less, like, you know, guilty about the spending. I don't think you should feel guilty for spending within our plan.
And I wish we had a little extra over, like, at the end of the month, just in case of things going wrong.
Well, she'll tweak it every month.
Tweak what?
Yeah, I'm a tweaker. I'll tweak the categories of, like, we should spend this much in grocery and this much on the dogs and.
Hey, wait, are you doing this on my conscious spending plan?
No, we actually have our own.
You have a budget, don't you? Yes, exactly. Because my CSP is not meant for tweaking and optimizing. It's meant for setting.
