Angela (52) and Brian (52) have been together since they were teenagers and have raised four kids.

Now as they approach being empty nesters, they’re stuck in a sitcom-style standoff: Angela loves bargain shopping and dreams of traveling the world, but Brian clings to a decades-old belief that they need $1 million to retire and panics over every pantry purchase. Their net worth proves that they’re actually financially stable—but Brian can’t shake the fear of not having enough.

Can Ramit help them rewrite their roles, align on what retirement really looks like, and find connection beyond coupons and control?

In this episode we uncover:

• Why Angela believes they’re ready to retire—and why Brian is convinced they’re still broke.

• The decades-old advice Brian can’t shake—and how it’s been quietly dictating their entire financial life.

• The performance dynamic they’ve fallen into—and how it’s masking deeper emotional needs.

• The stark difference in how they define a “Rich Life”—and what’s missing from both visions.

• How Angela uses frugality to feel responsible—and the cost of that invisible labor.

• The moment Brian saw their actual net worth, and why it didn’t change how he feels.

• What happens when couples keep score with their sacrifices—and how it erodes connection.

• How fear of losing control is stopping Brian from building the life he actually wants.

Chapters:

(00:00:00) “I’ve been chasing that number since I was 18”

(00:04:11) The emotional cost of saying no to everything

(00:19:08) Ramit breaks down their numbers

(00:29:21) “Why do we need eight jars of peanut butter?”

(00:40:57) Trapped in the “justifier” and “decider” roles

(00:50:34) Frugal lives, empty spaces

(00:58:01) “I think we’ve just kind of… drifted”

(01:06:04) How much is enough to retire—and what would make us feel safe?

(01:18:42) Where are they now? Angela and Brian’s follow-ups

This episode is brought to you by:

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. Get yours at https://drinklmnt.com/RAMIT

Leesa | Go to https://leesa.com for 25% off sitewide PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners.

Upwork | Visit https://upwork.com/save to get a $200 credit to put towards your next freelancer to help grow your business.

Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit

Facet | Facet is waiving their $250 enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to https://facet.com/ramit to learn more about which membership option is best for you.

Links mentioned in this episode

• Get tickets for my next live events—September 14 in Atlanta and September 26 in Los Angeles—at iwt.com/events

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

• Other episodes

• Instagram

• Twitter

• YouTube

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.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Opt Into Balanced Black Girl - Part 1