Kristin is 32 and David is 38. They share five kids in a blended family and David is getting close to military retirement. The problem is their spending—fueled by emotions alone, they make purchase after purchase, soaring over set budgets and putting the future of their family at risk.

This episode is brought to you by:

Thinkific | The same platform I use to build online courses online https://thinkific.com.

Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit.

Pique Tea | Get up to 15% off and 12 tea samples at https://piquelife.com/ramit.

DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off.

Viator | Download the Viator app and use code VIATOR10 for 10% off your first travel experience with Viator.

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• 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

• Other episodes

• Instagram

• Twitter

• YouTube

• Submit a question for the newsletter iwt.com/askramit

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.

“Harv the Hammer” Harvey Carignan Pt. 1