Intro

Taylor (29) is a high-earning dentist with a strict savings plan and deep-rooted fears about financial instability. Hayden (25) earns $24K a year, has a history of gambling and financial dishonesty, and struggles with budgeting. They live together, but their vastly different money philosophies leave Taylor questioning whether marriage is possible. With trust issues, income imbalance, and emotional baggage on both sides, can they find common ground—or is it time to walk away?

In this episode we uncover:

• Taylor’s strict financial boundaries—and why Hayden feels constantly judged by them

• The real reason Hayden hides purchases (and what it’s costing their relationship)

• Why Taylor resents being the financial provider, and how it’s creating a growing power imbalance

• A candid conversation about Hayden’s past gambling—and whether trust can be rebuilt

• How their radically different upbringings shaped two completely opposing money mindsets

• The unspoken tension around engagement—and what’s holding Taylor back from proposing

• Taylor’s biggest fear: ending up broke and alone

• Hayden opens up about insecurity, dependence, and feeling “less than”

• What they really want from each other—and why neither feels safe enough to ask

Chapters:

(00:00:00) “He gets to do whatever he wants with his money”

(00:07:22) Ramit breaks down their numbers

(00:20:58) “Why have all that money if you don’t plan to spend it?”

(00:28:27) How childhood trauma shaped their views on money, control, and survival

(00:37:44) A secret $35K loss—and the fallout that nearly ended everything

(00:49:15) “Most of what I do with money is to get her off my back”

(01:01:12) Is change still real if it’s only for someone else?

(01:03:56) A new plan, a new mindset—but will it stick?

(01:13:36) Where are they now? Taylor and Hayden’s follow-ups

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Links mentioned in this episode

• Get my 4 simple rules for talking with your partner about money

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• Download the Conscious Spending Plan

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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.