Practical steps: cut spending, invest 15%

Two couples take the stage with a shared question—but very different financial realities: When is “enough” actually enough to move forward?

Finn and Luna built a successful pet-sitting business and now sit on hundreds of thousands of dollars—but with no clear plan for investing, homeownership, or the future. Meanwhile, Monica and Antonio earn a strong income, are completely debt-free, and yet feel paralyzed by fear as they juggle parenting, aging parents, and the possibility of purchasing a larger home.

In this live episode, Ramit digs into the tension between optimism and realism, abundance and anxiety. Together, they confront inherited money stories, decision paralysis, and what it really takes to turn income into confidence—so money stops being the thing that holds them back.

In this episode we uncover:

• Why having “hundreds of thousands of dollars” can still feel like total financial chaos without a system

• The emotional whiplash of going from paycheck-to-paycheck to sudden abundance

• How Finn and Luna’s optimism vs. realism split shows up in every conversation about housing, investing, and location

• Why crypto success without understanding risk creates false confidence

• The real reason Luna pulled money out of investments and parked it in cash

• How not knowing basic investing terms keeps progress stalled

• Finn’s fear that California homeownership is a ticking time bomb

• Monica and Antonio’s decision paralysis despite high income and zero debt

• How generational trauma, bankruptcies, and lost homes shaped Monica’s daily money anxiety

• Why Antonio believes earning more is the solution

• The financial and emotional toll of supporting aging parents while raising young children

• The hidden cost of being “responsible for everyone” and never prioritizing your own future

• The shift from reacting emotionally to money toward making deliberate, shared financial decisions

• What changes when money stops being mysterious

Chapters:

(00:00:00) “I’m a dreamer”—and he just wants a real plan

(00:25:32) What happens when the optimizer stops optimizing at home?

(00:33:01) “They gave up everything for us”

(00:46:33) “We make great money—but it doesn’t feel like enough”

(00:57:52) “I set the bar so high I can never win”

(01:04:37) Where are they now? Both couples’ follow-ups

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Links mentioned in this episode

• If you want help with your finances, join my Money Coaching program at https://iwt.com/moneycoaching

Connect with Ramit

• Get my new book, Money For Couples

• Get Money Coaching with Ramit

• Download the Conscious Spending Plan

• Listen to my book—now on Audible

• Get my New York Times best-selling book

• Get my no-numbers journal

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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.