"We’re in $400,000 of debt, but we can’t say no to our kids” скачать в хорошем качестве

"We’re in $400,000 of debt, but we can’t say no to our kids”

Ramit Sethi of I Will Teach You To Be Rich talks to Kenna and Ryan, 36 and 45. Up until recently, Ryan worked and Kenna stayed home with their kids. Now, with that earning dynamic flipped, they’re facing new challenges with how they spend and save—especially when it comes to their children. — 🚨 GET RAMIT SETHI’S WEEKLY MONEY NEWSLETTER I share news ways to think about money every Saturday. Get the emails here: https://iwt.com/podcastnewsletter-yt 🙌 GET HELP FROM RAMIT SETHI Take control of your money with the Conscious Spending Plan: https://iwt.com/csp-youtube Optimize your credit cards with the 1st chapter of my book: https://iwt.com/chapter1-youtube Join my Money Coaching program for monthly help: https://iwt.com/moneycoaching-youtube 🤳 CONNECT WITH RAMIT SETHI Instagram:   / ramit   X:   / ramit   LinkedIn:   / ramitsethi   ✅ SUBSCRIBE SO YOU DON’T MISS ANY EPISODES    / ramitsethi   — Can’t-miss moments 00:00:00 — 1: Opening 00:02:50 — 2: Ryan calls himself a "frivolous spender" 00:05:16 — 3: The moment their money situation drastically changed 00:07:15 — 4: Ramit shows them how much their house is actually costing them 00:10:29 — 5: How Kenna's lower class upbringing affects her relationship with money 00:15:23 — 6: How Ryan’s upbringing makes him want to buy everything for his kids 00:24:08 — 7: "It's time to make a change" 00:30:11 — 8: Why Ryan became a stay-at-home dad 00:34:37 — 9: OMG, they just cut their credit cards on camera! 00:38:00 — 10: Welcome to Kenna and Ryan's "Financial Freedom Fest 2023" 00:41:46 — 11: Ramit breaks down their numbers 00:45:32 — 12: They feel angry and embarrassed about their savings 00:48:26 — 13: Ramit delivers the honest truth: they are in trouble 00:54:22 — 14: Ryan: "It's so annoying we even allowed ourselves to get into this position" 01:01:22 — 15: Their fixed costs are 86% of take-home. How will they fix that? 01:05:15 — 16: They realize the kids are their biggest area of spending 01:07:13 — 17: What are they teaching their kids about money? 01:14:45 — 18: Ryan gets emotional visualizing what he's going to say to his daughters 01:19:09 — 19: Where are they now? Kenna and Ryan's follow-up — If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here: https://forms.gle/pjYMaLeThJM3z9uN6 Produced by Crate Media.