Ooo, I want to hear more. I’ve never heard of her.
3 Likes
+1000000000000% yes. The content is pretty dry, honestly, and really repetitive, but it did help me a bit when I was younger. I think it’s geared more towards like the 23-26 group.
7 Likes
I will say she has certain good opinions, like she recommends only following older women on Instagram for inner peace and wisdom. It’s just I get major we could not be friends in real life vibes.
6 Likes
I just perused her twitter and I see what you mean, lol.
5 Likes
LOL I get major “I’m not here to make friends” energy from her in general, at least on Twitter. I do also think she has a point about how quick people are to bemoan how hard it is to make friends as adults and then they don’t do the basic follow through things like keep plans they made or make the first move, etc.
5 Likes
She phrases everything like someone is vehemently arguing against her, haha. Like:
*Let’s clear this up. It’s actually a good thing to look both ways before crossing the street. Not doing so can cause death, so you know 
*
Brah no one is saying it isn’t…lol
10 Likes
Yes thank your for that exact categorization I was trying to handwave at 
4 Likes
Yesssss this is so the vibe I get from her. I tried to watch her Youtube videos for a while but I was getting such severe flashbacks to highschool and some of the mean girls on my swim team that I had to stop! A lot of her advice isn’t bad…it’s just the delivery that makes it intolerable
7 Likes
How about we try 1 episode of each until we find something that sticks?
But from whats been described I suggest we scrap The Financial Diet straight up.
Really. Because Ramit gives me RDPD vibes but RDPD came first 
9 Likes
Yeah it was super brief and I can’t remember the episode but he said something like, “what personal finance books are you reading, please DON’T tell me rich dad poor dad, ughhh so awful”. LOL.
3 Likes
IS ANYONE ELSE LISTENING TO THE LATEST EPISODE??? I’m listening now, not re-capping but holy shit. I want to talk to someone about it bc it’s off the walls.
4 Likes
Only the first 10 minutes and I had to turn it off to rant at Ry about how insane it was. Haven’t had a chance to turn it back on yet but I can’t wait!
2 Likes
Hahaha, I would have loved to see his face.
OMG I can’t stand this guy.
Well this sounds juicy!!! I finally listened to last week’s today, so I’m behind! I will jump to it tonight!
1 Like
It is this juicy:
10 Likes
One interesting development in this one is my discovery that Ramit cannot spot a liar, not even a chronic liar, who he has been told has a long history of lying. The guy isn’t even a good liar. He isn’t smooth, at all, and his lies are obvious and easy to catch. Ramit thinks he’s just too into his spreadsheets and that the wife isn’t impressed by spreadsheets, lol.
I swear if Ramit ever meets a woman who likes spreadsheets he’ll be like, “that guy sure is nice! he likes spreadsheets just like me!”
11 Likes
Oh no. I definitely can’t handle listening to this one.
2 Likes
First the follow-up, I’ll again leave it for a couple of days
Ashley
Good Morning Ramit, I wanted to answer the three questions you gave us as homework. Charles and I had a great conversation about this over sushi last night.
What did I learn?
That we were both in a defensive mindset
That we are worried over the small things
That I had the belief that we were financially struggling
We had no idea what our actual numbers are
This can be fixed
Building a “Conscious Spending Plan (CSP)” will bring us together as “we”.
What surprised me?
This can be fixed and I have regained hope after 5 years (just after 2.5 hours with Ramit!)
Charles cares about the way I feel and doesn’t want me to feel scared about money. He also has money scripts and concerns
Charles does want to work with me and figure this out together and he wants to be transparent
We actually make a lot of money and we could potentially have a strong nest egg by working our CSP.
That we can have a financial future together and work towards a vision for us and live a “rich life” together.
I am so grateful for you, Ramit, for moving us forward in a positive direction and giving me hope. Our CSP will be sent by Wednesday of next week!
A week later
Hi Ramit,
We have been working on our CSP and completed the first tab with our actual numbers. It took us a little while to comb through everything. We did it without an argument! This is progress.
We are still working on the spending page tab. Charles is working out of town again so we plan to sit down together this weekend and finish tab 2. We will have it completed by Monday.
Thanks so much-
2 Weeks Later
From Ashley:
Hi Ramit,
We finished our CSP over the weekend- if you want to take a look. We have 86% of our money going to fixed [Costs] and it appears there is very little that we can trim.
We also had a few questions.
One question- why put money in a savings account if we have money in investment accounts?
Thanks-
From Ramit:
Hello. I’m so glad to see this followup. 86% is far too high. It will prevent you from being able to save, invest, and spend on anything for fun. It also presents a serious risk if something goes wrong, like a maintenance issue or Illness.
In terms of saving: Think of savings as money for the next 1-5 years. Investing is for longer-term money. Savings also includes emergency fund, future car, etc.
From Ashley:
Ah-that can be fixed!
I see where we need to fix our numbers. We put vacations and eating out as fixed [costs] rather than in savings [or guilt-free spending].
We will fix-
From Ashley:
Hi!
I put in the new numbers- it is now 63% so not quite 55% but much better.
Thank you-
Charles
Good Morning Ramit,
As Ashley mentioned, we had a great conversation over dinner last week about our session.
What did I learn?
That we are richer than we think
That being open about finances should be the norm
That it is ok to spend a little more on the basics.
I don’t have to keep saving at a very high percentage to meet our happy life.
Building a CSP jointly will give us more freedom and bring us together as a couple.
What surprised me?
That being open and honest about finances with my wife will lead to a better relationship.
Crafting a joint vision and strategy will bring us together.
Thank you for your time and guidance to help improve our financial freedom and happiness.
2 Likes