Ramit SethiRamit Sethi: The No-BS Guide to Living a Rich Life

When will they finally start planning their vacation? #vacation #planningforsuccess #moneyadvice

16 Jan 2023 · 1 min

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Excerpt from a January 16, 2023 YouTube video by Ramit Sethi. In this coaching-style conversation Ramit prompts a couple (Tom and Speaker A) to confront fears about spending and retirement. Key themes: disagreement over discretionary spending, fear of losing individual financial autonomy in retirement, difficulty agreeing on a sustainable monthly spending amount, and the suggestion to create a shared vision instead of using money to persuade a partner.

Look at this discomfort on your faces, by the way. I fucking love it.
I need to let go of that kind of shit. I know I do. She's doing nothing wrong. Nothing.
Tell me exactly what happened.
Yeah, I know he struggles. He doesn't think I need to spend like I spend. And that's probably my biggest fear about retiring is that I'm not going to have my own money anymore.
What else?
I think he's got to cheat.
You're telling me that in 30 years you have never been able to figure out how much money you can safely spend every month?
I want to be in a position where I don't have to worry about stuff.
How much is enough? Look at that smile. I like this. Have you talked about this before? I'm going to go out. Not really.
I want to do stuff now. I don't want to do anything because we feel like we don't have money and we're saving for Tom to live to 100 is what we're doing.
Maybe it's not about using money to try to convince your partner. Maybe it's about the two of you coming to some vision together.