Jason (38) and Katie (36) thought buying their dream home in Minnesota would be the start of a new chapter. Instead, they’re buried in debt, daycare bills, and the pressure of raising a new baby while working demanding creative jobs in an industry threatened by AI.

Despite earning $246,000 a year, they’ve been trapped in a decade-long debt cycle, and every dollar is already spoken for. With $30,000 in debt left to go and no clear plan for what comes next, can they finally break free of survival mode and build the life they truly want together?

In this episode we uncover:

• How Jason and Katie’s “dream home” quickly became a financial trap

• Why their money talks happen every single day—and why that constant communication leaves them exhausted

• The pattern of paying off debt, only to fall right back into it

• The hidden costs of homeownership

• Jason’s obsession with “cashflow”—and why Ramit calls it a red flag that blinds them to the bigger picture

• How Katie’s childhood lessons of “we can’t afford it” show up in her marriage today

• Jason’s upbringing of scarcity and mixed money messages

• The constant fear of job loss in an industry disrupted by AI

• Why their meticulous tracking of every penny isn’t working

• The moment Jason admits he’s “done” with the cycle

Chapters:

(00:00:00) “We talk about every transaction”

(00:22:05) Ramit breaks down their numbers

(00:36:18) When “cashflow” becomes a red flag

(00:39:39) When “asking for permission” follows you into marriage

(00:45:58) “We couldn’t afford the pool, but a new TV showed up”

(00:56:23) “I’m repeating a cycle”

(01:21:02) “You have more money than you realize”

(01:26:33) Where are they now? Jason and Katie’s follow-ups

This episode is brought to you by:

Fabric by Gerber Life | Join the thousands of parents who trust Fabric to protect their family. Apply today in just minutes at https://meetfabric.com/ramit

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

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

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

Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 10% off plus free shipping

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.

Brian Ginny

The AI-powered Podcast Player