Thank you for thinking I was coherent!
By terrible hours I mostly meant working 80 hour weeks rather than which hours you’re working, although personally I could not do a job where I was done at 3:30 am OR started at 3:30 am which lots of kitchen jobs do.
Ah that makes more sense. Yeah I think it depends on the place for sure. I know chefs who work that much but also ones who don’t do nearly that much. Plus the time and a half over 40 hours is pretty awesome, and you don’t get that at most office type jobs even though lots of those jobs require 80 hours too, like software engineering/programming/etc.
IDK, depends on what kind of lifestyle you want and what does/doesn’t bother you! Like, there’s no travel if you’re a restaurant chef, but lots of jobs require tons of travel even if the weekly hours are technically lower. Some jobs are way more political while others are much more collective, lots of jobs involve more meetings, etc. You can be more yourself in a kitchen and you don’t have to act corporate or polished, roles are super clear and there’s a chain of command, there’s lots of activity and adrenalin, often a real team vibe where you get super close, a clear product being produced (versus longterm project after longterm project with nothing physical to show for it). But no benefits are included, sick time often isn’t either, pays less than some jobs more than others, fast environment could be good or bad, on your feet, etc. You can work virtually anywhere and get a new job super fast without a long ass interview process like corporate jobs have, that’s a bonus too. And you can go into other stuff like institutional kitchens, personal chef stuff, catering, if you want different hours or to build your own team.
Pros and cons everywhere! As far as the eye can see! LOL.
Right? Definitely the case. I am so keen for the general theme of making trades more accessible though. They definitely didn’t feel that way whereas I could see a straight line to a professional engineering degree… But I’m a 3rd generation engineer so family knowledge played into it too.
Totally! I think we need people who help kids make these decisions (teachers, parents, counselors) to be excited and positive about all the options! And maybe we can do that through just daily conversation too, like in how we talk about these types of jobs and what we highlight about them. Plus what people like Ninja are doing, which is so awesome I can hardly stand it, haha.
I feel like the tide is turning a bit so hopefully it will get more balanced. I’ve noticed more articles lately, in unexpected places, about how maybe college isn’t the only route, and the importance of trades, etc. I think we sort of went too far on the everyone who possibly can should go to college (even if they have no idea what they want to do) and now people are like, waking up a bit because of the constantly rising costs, student loans, lack of jobs for certain majors, and shortages in high paying trades and stuff. I hope so anyway! We need all kinds.
Also I’ve read that in your neck of the woods it’s more socially acceptable to take a gap year or two after high school and before college. That seems so fantastic! Just get some working in and think about stuff. Do you know people who did that?
ETA: Oh you know what else sounds like a cool non-degree job? Private Investigation. I read that a lot more women are going into that field now.
Heaps of people! I grew up in a regional area (i.e. a town rather than our one big city, Perth) and while I don’t know numbers, it definitely felt like half the kids took a gap year! Especially kids planning on university and those who didn’t have parental financial support which was a lot in my area, compared to Ponder who grew up in a upper-middle class suburb with lower socioeconomic diversity (PS we don’t have college in the same way). Work, save some money. Incentivised by the government because if you earnt a certain $$ in 12-18 months, you would be declared “independent” from your parents and would get some welfare money from the government called “AusStudy”. Also going back as a mature aged student at 21yo & older had some perks. They were pushing a lot of “Alternate Pathways” to bachelor’s degrees when I went through a decade ago, all about how if you didn’t get the right scores there were other ways to get into the degree you wanted… But less about TAFE (the place you go to study trades, hospitality, etc)
**But that might be my bias because I was planning university and engineering from, like, 12 years old and didn’t take a gap year because it would slow me down 
so I do remember there’s high schools who back then were introducing TAFE courses to year 10+ students as part of normal curriculum and that has kept going AFAIK
I can ask my cousin’s who are all doing trades & trades adjacent jobs and are in or just out of highschool? My parents probably would have encouraged me towards trades if I hadn’t been so clearly academic, but being academically inclined meant other options weren’t presented and I am thinking a LOT about that right now and how we might balance that with our own kids …
It’s so cool to hear about your system! Really different, for sure. It’s awesome you have so many programs for university/such a great direct route through. It sounds like it’s harder to get into trades there than here, since you mentioned high costs and difficulty getting apprenticeships and stuff. Maybe we will adopt gap years in bigger numbers at some point, it makes so much sense!
I used to know someone who runs a PI firm! He started out in journalism. He said the number one qualification was large bladder capacity so that you could stay in position while staking someone out. 
Bahahahahaha! That’s hilarious! I never thought of it but…uh, makes sense.
It’d be cool if Ramit brought his wife onto the show as a cohost. I reallllly want to know more about her/see how they interact as a couple.
Alright folks! Embarrassing confession time! I have some midterm life insurance that I was sold when I was like 24. I didn’t have a job with benefits at that time, and my parents had the same life insurance (so I thought? think?). At this point I am paying almost $400/mo for it–as my income increased, the rep and I upped the amount I was putting into it. I feel dumb, and I’ve been feeling dumb about it for a while now, and uncertain about if it was the right thing or not. I finally had a convo with DH about it and he was shocked to learn how much I’d been paying. Well, no longer! I am making moves to end that payment, and I plan to auto-invest that amount instead with Vanguard. I haven’t even done it yet but I already feel some relief now that I told DH and made the decision. I am mentioning it here because, I think it was 2 or 3 episodes ago, the one with the guy paying a lot of alimony to his ex-wife? Well, that episode was kind of the straw that broke my camelbak or whatever. Anyway! I am self-educated when it comes to this money stuff and while I think I’ve made a lot of good choices, this was probably a bad one. Trying to not be too down on myself about what’s done, because it’s done. And the future is bright!
Yay, congratulations!!! Nothing is less dumb than realizing you didn’t know something, learning that thing, and then immediately changing your tactic accordingly. Super smart IMO! 
This is a good reframe, much better than my shame reaction!
Update on this! If I surrender the policies now, I will be returned $7,320. WHOA. So not a total loss, like I expected!!! Now I need to figure out what happens to that tax-wise…
I think it is unlikely any of that is taxable - most likely it is a return of just a fraction of what you put in (since you have been doing $400/month for awhile already).
At least you are getting something back! Throw it in a Roth…
Ohhh I hope you’re right!!
Congrats on getting that money back and saving the monthly spend going forward!
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Net worth over $5 million, income over $150k. The defendants today are Rachel and Jack, mid-50s. Ramit loves today’s money, I mean couple. He says they accumulated their wealth by following “the same principles” Ramit teaches in his dumb book, which sounds like carefully worded language that a legal team has agreed means they haven’t necessarily read the book. I also agree they have not read the book since they were alive and saving money before Ramit wrote it. Speaking of, did you know that Oprah uses the exact same method for making scrambled eggs as I tell my readers about in my exclusive newstickle e-blast?
Rachel doesn’t believe she has the money! Invisible scripts. Ramit says she’s saved and saved, but never built the skills of gratitude…I mean spending. Spending Over Everything. Jack says they wanted to take a vacay to the big apple, he was into it, she was like heck yah. But then finding low hotel rates and cheap flights. He says a colleague recommended some hotel near meetings (it’s a work trip they’re tacking days onto) but slow your roll because Ramit needs details about the hotel. The Moxie, east village. Jack says the cost per night came out to an average of $208, which is really good for Manhattan IMO. Jack thought so too. Great deal, WE ALL AGREE. Except Rachel. Ramit says the lobby in that hotel is cool, Jack is so impressed with this statement he says nothing. I assume that’s why.
Rachel said the rate made her panic. The Saturday night rate was $397. Don’t even talk to her about averaging costs. SHE WILL NOT HAVE IT. She said she booked a different hotel so they would have had to switch mid trip to, Ramit interrupts her, which hotel? She tells him the name of some place in Chelsea, and his voice turns grave, “Ohhhhh, I know that hotel.” Ramit clearly does not approve. They probably don’t powder your butthole for you there, or whatever rich people do in those fancy hotels IDK. She says it “wasn’t terrible”.
Ramit asks if she cared about anything but the rate? No, she says. Ramit asks how much they saved, she says probably $200. He asks her net worth which we already know, interesting…she kind of whispers it!
Ramit is talking to us. He wants us to think about having millions of dollars and not being able to spend on a Manhattan hotel, then says, “don’t laugh! and don’t roll your eyes!” because for some reason he thinks that would be our reaction? He assures us it’s likely we will all be in this situation! He literally says, “most of us know how to save, but we’ve never built the skills of spending money.” Um…has he read any news headlines about savings rates in the last like, IDK, 30 years? I mean, to be fair, they might not be in his newsletter so probably not. He says early on it makes sense to save as much money as possible, he used to sleep on a friend’s couch! I’m surprised he knows what something as gauche as a couch is. He says most of us are set in our early 20s spending (lol, wut).
Rachel sighs, she says she needs to get over this. Ramit ain’t buying it, is she an innocent doe? IDK…she is a woman and that’s halfway there! She says she had a great time in NYC but in retrospect the hotel switch was dumb. Ramit wants to know if they ate out, she says yeah, Sweetbriar, Freemans, etc. Ramit says those are pricey, he asks how she felt about those prices. She said she did her best to let go. She says she feels like an idiot for being so hung up on prices because it’s ridiculous. The studio audience agrees.
Ramit asks how they made their millions, Jack says in little tiny chunks and Ramit interjects, “the I will teach you to be rich way!” Are people not buying his book or something? LOL. Weak sauce. Jack is telling their origin story and how Rachel drove them to pay off his student loan fast, and how she was right. Mutual funds. They don’t come from money, working class backgrounds, Has Heard This Podcast Before AllHat is suspicious and wonders what they think working class means. Jack says little by little they got big ol’ bags of moolah. He doesn’t say it like that but he’s not that interesting and I have to punch this up for prime time.
RAMIT is talking to us again about his dumb system, He says we should pause and buy his book. BUY IT YOU ASSHOLES!!! BUY. IT. SO. RAMIT. CAN. EAT.
Ramit asks if they’ve embraced that they’ve become millionaires, both say no and sound sad like all rich people on this show seem to. The guy says, “I don’t know where it places us in the whole scheme of income earners.” LMAO. But he admits when he sees what people have saved for retirement he realizes they are in a “good position”! Rachel says, “this probably sounds terrible but I don’t like people who brag about having a lot of money,” so the number freaks her out. Ramit asks if she grew up not liking “the rich”? Yeah, she says. Psych 101 Student AllHat is excited about this line of questioning because she thinks this is suuuuuper common.
Ramit says we love and hate rich people here. American dream. Instagram. Cashmere. Love/hate. Selfish. Greedy. Evil. He says if you tell people you like organic food that’s all good, but if you tell them how much you spend on it you’re, “out of touch” because people are dying! Hahaha, who the fuck is he talking about? LOL. This reminds me of that book about how rich New Yorkers were so anxious in their rich little feelings about being so fucking rich that they would take the price stickers off their $10 bread so their nannies and housekeepers wouldn’t know they were rich… while taking care of their kids and cleaning their penthouses. Somehow I think those women could figure it out anyway, because all poor people are great at solving mysteries! See? Anyone can stay stuff!
Ramit says the only group of rich people we love are rich people who act poor. WHAT? He says Warren Buffet as an example. On what planet does he act poor??? Ramit himself points out that he owns a jet. He also uses Bill Gates as an example, because he wears dockers. LMAO, this is such a slap dash argument. Puritanical cultural script. LOL, so we’re blaming this on the puritans? Haha. This actually might be the best evidence of Ramit’s bubble that we’ve ever seen. I love it. I’m here for it. Ramit says rich people should spend differently than poor folk. I bet he’s going to start talking about himself. AHHHH hahaha, yes! I am a prophet!
He is such a good transparent Rich Person, he exclaims. He shared with us, shared y’all, that he hired a personal trainer, hotels, awww, and he wrote a hundred thousand dollar check in the 2020 election to help get people to vote. GIVE HIM CREDIT. My grandma always said there’s nothing classier than telling people about how much you give to charity. He wants us to know you can make money and be a good person. You can spend money. Who you trying to convinced, friend? He says he thinks it’s selfish to not know you are rich when you are. On that, Ramit, we agree. It’s fucking gross. THAT IS WHY PEOPLE HATE RICH PEOPLE WHO ACT POOR. You are literally disproving your prior statement. BAHAHAHA, oh my god, he just said, “I’m rich…and I always said once I make it I’m bringing everyone with me, and now I get to do that.” I think he might tantrum if he doesn’t get a Nobel Prize soon, we should prob just give it to him guys. Make the call.
Back to Rachel. Growing up Rachel wasn’t around rich people. She’s from the South Side of Chicago. Dad told her to save. He was a product of the depression. Is that what I have? She said he saved his money but by the end there wasn’t much there, because her mom lived 20 years longer than her dad, but she was taken care of well. Her mom would give them a few hundred dollars in checks for each holiday but they would never cash them. Such gracious receivers! LMAO. It upset her mom but they kept doing it because they knew best. They’re all chuckling, Ramit is very charmed by these money, I mean people. Ramit says it’s so relatable.
Jack seems more ok with the money than Rachel. He feels like they can still be themselves, but that “the money itself is not a negative.” Rachel has a fear the money will run out, that they haven’t done enough. Real Talk AllHat wants to direct your attention to that, because that is the actual truth. Her discomfort is happening because despite having a net worth over $5 million, which she intellectually knows is way more than most people have, she still wants more because she feels it’s not enough. She is hoarding her gold like a god damned pirate and still trolling for more. And that should absolutely make her uncomfortable, because it’s fucked. The end. But no, let’s please focus on the idea that she’s just too down to earth and sweet to handle being rich, lmao. Sorry girl, I ain’t buying it. Not even with a coupon. Maybe with a coupon.
Rachel is afraid the money will vanish. Stock market. Not working. She’s not confident that without her still working and contributing they will have enough. Ramit interjects that it’s always the lower earning member of a couple that’s concerned with contributing. This amuses him.
Ramit thinks it’s interesting she feels this way. He keeps calling contributing “the c word” and it’s killing me. Rachel says they somehow got this money, and she’s not an expert. They’ve never gone to an expert. What if she missed something? Ramit says maybe she’d feel safer if a pro reviewed her number. She says maybe but doesn’t sound like she means it. Right now she’s making minimum wage only part time, it’s for a good cause- an urban farm. Can you roll your eyes so hard they actually fall out of your head? Asking for a friend.
Jack still works and makes $156k, they own their home, most of his salary goes towards investments. God, I hope these two make it. They’re living right on the edge. Ramit interjects that they have more money than they know what to do with, and points out that most people in America have a different problem than they have, or as I like to call it, an actual problem. Ramit says most people don’t have enough and need to save, they are in an enviable position. Hugs and tush pats for you, Ramit. Good boy.
Ramit asks what they envision when they picture a multi-millionaire. Jack says, “driving fancier cars”. They drive a 2003 toyota. RAMIT LOVES THEM. It’s so funny and quirky to have a shitbox car! He’s so excited, thus proving that the only people who like rich people who act poor are other rich people. Rachel says a multimillionaire wouldn’t price compare for hotels. We’re role playing but not in a kinky way. Rachel has to act like a millionaire and she says, “wait, I’m being rich Rachel, right? Not me?” YOU ARE RICH. OMG. Lol, this affluence anxiety is absurd. Let’s see what “rich” her says.
“Let’s go!” she says, to a fancy vacation proposition. Eating at Per Se, going to Hamilton, front row seats.
What was the difference between rich Rachel and real Rachel, Ramit asks. They’re the same picture. She thinks they are opposites! She looks at prices and worries about eating out and goes to get last minute ticket booth, which totally means she’s one of the people. Stress negates advantages, right? This is 100% about absolving her guilt via worrying and play acting. They sound friendly and nice, but like, this is fucking gross. Ramit points out that when she takes up that half price ticket someone with less money actually loses out on that ticket. That got to Rachel, she says that would make her stop doing it.
Ramit is shouting at us and says, “STOP AND CLAP FOR ME RIGHT NOW”. Little Ole AllHat is tired of people telling her what to do before she’s even had her first poop of the day. Ramit says he weaponized the Indian Mom Guilt Trip (this might be trademarked, IDK, pay him just in case). Ramit says Rachel doesn’t care about her millions (uh…that’s all she cares about, lol). He did get through to her tho, I’ll give him that. He says by paying full price she is subsidizing others who can’t pay full price. Gold medal in mental gymnastics to Ramit.
Ramit says if you have money you have obligations! He says this like it’s a shocking revelation, lol. Wealthy subsidizing others has happened for hundreds of years, says Philanthropist Ramit. He’s talking ancient greece rich people funding arts, God is that the most recent example? Ramit is bragging about paying taxes again, lol. He does this a lot. OMG, hahaha, this has to be one of his worst turns of phrase ever. He just said, “like a beginning musician, Rachel currently has a single note with money that she can play.” I can’t believe this guy is richer than me. What a world! The note? “Save.” Ramit is going to expand her repertoire, because when you learn to play other notes they can truly sound beautiful. Did someone take him to the Met? I hope you’re happy.
Ramit asks what’s the opposite of fear. Rachel says “generosity”. She lives in fear now. Thinks everything through to the point they don’t enjoy it, which is precisely the point in Psych Student AllHat’s opinion. Her lack of enjoyment obviously helps alleviate her guilt. We are play acting again, with her pretending to be generous instead of pretending to have concerns about money. She says her husband would be shocked if she were just, grateful, when he planned stuff. They are generous to themselves with restaurants, though, the husband says. Thank goodness, I was worried about their generosity towards themselves. Real charity starts at home! Ramit loves hearing how grateful they both are. Wut? They don’t want 3 sports cars! They are clearly Good People. Ramit says that it is a “tragedy to live a smaller life than you have to,” Lilliputian AllHat is insulted.
Rachel is still worried the money won’t last. Ramit asks what $5 million means to her. She says “absolutely nothing!” Ramit is doing an impression of us commoners now, he says, other people are like, “DURRR 5 Million is SO BIG MONEY!!! DURRRRR!” he uses his dumbest dummy voice for us. We sure are stupid over here, going to work and shopping at Target like a bunch of assholes, and all the while realizing that millions of dollars is a lot of money. We sure had that roast coming! But RAMIT understands her, he isn’t like us dumb fucking idiots, he gets it. He should write a book! Jk. Jk. Seriously you guys I don’t want his book.
I just zoned out because my kitty is making cute little sleep sounds and he’s both softer and sweeter than Ramit so I got distracted. This couple is talking about how they did set it and forget it savings and didn’t even check it once a year. We will forget one day too, unlike Pepperidge Farms. Poor cookie. Ramit loves it. Dunks on idiots who invest in crypto, because the set and forget method is smarter and better. RICH LIFE!
Math time! Yay. Assuming 7% return rate. Sure. So by the time they’re 60 (even with no more contributions) Ramit says they will have $6 million, and by 65 they will have $10 million. Rachel is SHOCKED. She instantly wonders if they can live on that amount. This chick loves to make lemons out of lemonade. You read that right. Ramit loves these two though, lots of laughter. Ramit tells them at the age of 95 they will have $76 million, Rachel laughs in a kind of frightening hysterical way and says, “NoooOOOOooooOO!” She can’t believe it! How did people this life-dumb get so much money? That’s the real story, here.
Rachel says it’s unfathomable. She should give me her riches. I have the capacity to fathom them. Ramit is explaining compound interest. Money makes money y’all. He tells her they will definitely hit $20 million in her lifetime. Rachel says, “no” in almost a whisper. She doesn’t want it to be true. It’s going to be really hard to cosplay as an average American with that much in the bank! Ramit asks if she’s “prepared” for that. No, she says. She sounds like she’s getting a grave medical diagnosis. Here’s how Bullshit Detector AllHat knows this is bullshit: if she were really that opposed to being so rich she (like all self-conscious rich people) could solve it in one day by just giving away wealth. Nonprofits won’t turn down your donation because it’s too big. I promise, Rachel! They won’t. Here’s the thing, folks, real guilt is a strong emotion. It’s so strong that murderers turn themselves into police and confess to their crimes. This is fake guilt. Guilt worn as a costume to absolve the wearer of ungratefulness and wealth. It’s emotional pageantry and Probably Should Have Slept Longer Or At Least Had More Coffee AllHat is not having it thank you so much.
Ramit is talking to us about how numbers don’t change things. He should tell that to the people who didn’t get to see Hamilton because this lady took their discount tickets, lol.
Ramit asks Rachel if she likes coffee. She’s a human being so she says yes. Ramit tells her he has a spreadsheet of different types of coffee he wants to try. The studio audience feigns shock, surprise. Every week or two he orders one coffee bean delivery he knows he likes and 4 new ones. That’s a fuckoad of coffee! He takes notes on the coffees because of course he does. I bet they include Extreme Detail. He doesn’t like most of them. This is a cool adventure for him! What does it cost? He estimates $50-$80 a month. Has Actually Bought Things AllHat thinks this estimate is incredibly low, but fine. He is supporting coffee beaneries all around the country! American. Hero.
Rachel giggles that she likes the idea of this. Jack admits he is also a human, and likes coffee as well. Ramit says, “see how you can add magic to your day?” he says if it cost them $1,000 a month it would still be worth it. He knows they have a “simple life” LOL, just like Paris Hilton! Ramit wants more excitement, novelty, generosity, in their outlook towards money. So do we, Ramit, so do we. Rachel is talking about the top notch running gear she wants, carbon plated shoes? WTF are those? She’s excited thinking about this stuff. RICH LIFE. They are both runners. She’d like to train for a marathon. Maybe get a coach! Lunch at home, healthy, WHOLE FOODS. Recovery food. I will need some of that after this.
Ramit is trying to nudge her towards generosity. She says she could have friends over but would be worried cooking for others. She’s not sure if she’d be ok with someone else cooking for them in their house. Ramit’s like, “ur rich u can do anything” and she’s like…mayyyyybe they can prep it and bring it in. Much more MODEST that way, Ramit and Rachel agree. Hahahaha. We are in the removing the label off your $10 bread territory of delusion. We’re picturing a dinner party. I can’t believe these people have never had people over for dinner? Am I weird? I started having dinner parties in like college. AND I DIDN’T EVEN GET IT CATERED, lol.
He just told her that those fancy running shoes…have already been paid for in interest during this conversation. Does she realize that? She says “no” in a soft little girl voice but admits she knows Ramit is right because he’s the expert. Barf. Ramit is giving more numbers to prove to her that she is, indeed, super rich. They have enough to thrive, not just survive. He wants her to internalize it. She says it doesn’t seem real.
We’re all laughing now. It’s so good to be rich! Ramit says it’s real, even if it doesn’t feel real. She wants to take down the wall, and learn to accept this. Acceptance is hard, though. I totally get where she’s coming from! I felt the same way about accepting my lifelong degenerative disability when I was 12. Life is filled with these types of things! Amirite? She doesn’t want to play games anymore. They are resolved to live bigger and better.
Ramit is talking to us. Money psychology. Are we going to be pushed to buy his book? Yes, yes we are. We could be getting richer. Some people listen to him for years before buying his book. Isn’t that sad? ISN’T IT? We need to stop playing small. His rule is if you see a book you like, just buy it! That’s “Ramit’s Book Buying Rule”. He doesn’t mean for his book only, guyz! Come on! He’s not like that! But you better fucking buy it.
Rachel is talking her “perfect month”. Getting away. Are we going to talk hotels? She likes outdoorsy trips. A cabin. “Oh god,” says Ramit, “you’re not speaking my language at all.” He’s really disappointed, lol. “NO HOTELS FOR YOU”, says Outdated And Possibly Racist Cultural Reference AllHat.
Pacific Northwest for a vacation. Someone explain to Ramit what a cabin is. Glamping. Remote but fancy. They’d love to go once a month. What happens during the trip? Running, chilling, wine tasting, river shit. Does Rachel accept that she can do it? She’s hoping she gets there. #believe Ramit wants more rich life descriptions from her. Specificity is key. She is playing too small. Just saying yes isn’t enough. Jack says he’d want to stay somewhere super nice. Great location, remote, “food that is brought to you”-- is he talking about sandwich turtles? I hope so. He doesn’t even want to have to choose restaurants! But he hates the word “all inclusive” for the connotation it brings. Totally agree! You wouldn’t want any icky middle class people to be near you! Imagine those assholes on your trip, trying to save some money on their family vacations by getting food included- how gauche! He wants gourmet food. AND NO POORS.
Rachel laughs that they’ll never be able to afford that! Ramit says you can right now. Rachel says, “I’m working on it!” in a way that says she’s definitely not working on it. Ramit says people with problems loooove to talk about their problems. In this case, I agree. He rightly points out that she doesn’t actually want to fix this imaginary problem. She wants to stay a victim, that’s not Ramit, that’s me now. Ramit says this is one of his favorite moments because it shows how hard it is to change! Not this hard, lol. We are making things hard here. He says maybe 1 in 10 people will change, and that’s enough for him. Ramit is modest, y’all!
Money time. We’re talking about how they put away $75k-$100k a year in investments. He says what if you had to spend that because you don’t have to contribute anymore. Rachel says that would make it easier. She sees her investments as locked away but her income as more real. Jack says that’s exciting. Ramit tells them they just had a huge breakthrough! Ramit loooooves these money, I mean people, they’re yucking it up. It’s all so quirky and funny! Learning how to accept that you have an enormous pile of money is hard, but Ramit knows they will be grateful when they start treating themselves more. Yes. That will work. Most religious traditions talk a lot about the importance of building generosity by treating yourself to luxurious vacations. Ramit is bragging about how he tipped a barista $20 once, because he can, and their smile made it worth it. He’s going to do it all the time now! MAN OF THE PEOPLE.
Ramit wants them to set an amount to spend each year. I’m booooored. Their bank account balance is the only thing interesting about these two. Rachel is still giggling about how hard it is to enjoy money! They should enjoy it now though! God this is like pulling fucking teeth. Ramit says she looks like she’s physically in pain. But she’s giggling! I’ve never thought about things like this! Golly gee, she ain’t never seen nothing fancy before! She hauls water from the well after paw and maw come home from the factory! Just like us! What even is a vacation? Is that what them metal birds in the sky is for?
Ramit says they are “overdeveloped on practicality”. Spit Take AllHat just splattered her walls with fruit punch flavored energy drink matter. If practical thinking is their problem then physical strength is my problem. We’re talking about having a personal chef for a dinner. Ramit is telling us that it’s extravagant. We are in the money lens of generosity (but where generosity means spending on yourself). Talking tipping. Naming all the people she can tip. Cleaners, bar tenders, like all rich people Ramit is now saying yes!! “all these folks” who need more money can be tipped well, by them! Grew Up Where People Actually Said ‘Folks’ Non-Performatively AllHat is laughing hysterically. Ich bin ein folk!
RICH LIFE. We are all the same. We all need to understand money. One world. Some people think of money in number. But rich life vision is so super rare. BUY HIS FUCKING BOOK YOU MOTHERFUCKERS. I mean…uh, unity. America. Folks. Sunsets. We cool? Ramit is telling us, in a shocking revelation, that he doesn’t know how to cook. Folks everywhere gasp.
There’s a follow-up letter. They aren’t big shoppers (give them credit god damn it- they’re just like us) BUT they are going to buy fancy coffee at a shop that donates profits to a good cause. Hot damn! It’s like Ghandi’s come back from the dead! They are also going to buy new smartphones. How restrained, and respectable.
APPLAUD YOU PLEBS.
Done! 
Enjoy your weekend everyone!
You are a treasure. I’ve been waiting all week for your take on this one!
Hahhahahaha! Enjoyed this enormously.