Jacques and Jennifer are stuck in a money rut. They are trapped by their $40,000 debt. Jennifer feels overwhelmed with money talk, and Jaques doesn't want to say no to his wife. When he comes home from work, they’re both tired, so they order takeout, overspend...and repeat the cycle.

This isn't a math problem. It runs way deeper into their money identity and sense of self.

Jacques grew up in a poor household and was always told no, so he'll do anything not to feel that way again. As a stay-at-home mom, Jennifer feels the money is "his," so she finds control and comfort in food. Suddenly, all of these restaurant trips and takeout receipts are starting to make more sense. The relationship between food and finance is a tricky one to navigate.

Then I ask about their Rich Life. Listen to how vague they are about their future financial goals. When you've got a large debt that seems insurmountable, it’s hard to look ahead.

But I think there’s a way to get them to take ownership of their money.

Connect with Ramit

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.

Produced by Crate Media.

"Macaulay Culkin"

SmartLess

Why He Still Acts: Pleasure Over Necessity

The AI-powered Podcast Player