That definitely sounds like a situation where they are not on the same page and they need to have lots of communication!
4 Likes
There are other issues but I think she just doesnât care about his well-being anymore so communication doesnât work. Basically he does everything for the family and she just hangs out with her friends and goes for massages and spends money on herself (or her friends).
4 Likes
I thought episodes 128 and 129 with Trin and Lucas
was some of Ramitâs best work. He couldnât get all of their issues addressed in the first podcast so thatâs why it went to a Part II.
This couple is smart, talented, and boy can they generate money in their businesses! In the last three years they had two children and the primary big earner, Trin, is staying home to be a mom with her kids and working her business part time.
So thereâs lots of problems with this sudden change, problems in their relationship. Itâs not until Part II that we get the real story about their finances and it is shocking.
This couple has brought in around $200,000 to $300,000 a year in recent years before they had children, and they still have a pretty decent income Post children. But they have essentially nothing saved, hardly anything invested, and they have $300,000 in student loans.
I canât imagine why they havenât paid off the student loans, they had the means to do so.
7 Likes
Because itâs more fun to spend money? 
3 Likes
Oh man, todayâs episode Cassandra and Aldo - there is no way they are going to stick to their debt repayment plan.
I thought Ramit handled their situation pretty well - they needed the bluntness. But I donât think theyâll be able to stop keeping up with the Jonesâs. I think they wonât be able to stop travelling and will likely fund their daughterâs school too (and they should have been able to, but they shouldnât because of where they are!)
4 Likes
ooh, I need to find time to listen!
1 Like
I mostly feel that Ramit spends too much time on money psychology and not enough (at least aired time) on the numbers, but I thought this episode was a good balance. I really liked that he told them that their idea of keeping credit cards open and then rolling into a home equity loan was a bad idea due to their track record (that theyâd likely not pay off that loan).
3 Likes
I havenât listened in a while and⌠This episode is just the gift that keeps on giving!!
Spoilerama
Every time I was like yeah OK, vacations, remodel 2x the estimate, he never says noâŚ
Boom memestocks.
Boom 401k withdrawal.
Boom you spent HOW MUCH at Macyâs?
You ARENâT PAYING the JCP card?
The. Mind. Boggles.
Summary
I love hate how she keeps going like âI said we should/shouldnât do thing! But he said! Heâs the money guy!â Use your dam head, woman. Idk maybe heâs convincing and a good salesman. Heâs making 70k commissions on sales after all.
Summary
Rule 4: DONâT LEAVE THE COUNTRY FOR A YEAR
Summary
But holidays. And Things Come Up. And think of the children!
I feel like there was room for a great though experiment here like, someone in your city lives a happy life with kids on a fraction of your budget. How do they do it?
8 Likes
Ramit certainly kept his cool during this entire show, considering that he was talking to one of the evil finance guys that he warns everybody off of.
I cannot imagine finding out that my financial advisor is half $1 million in debt. And that he does daytrading. And he canât even send his child to community college.
The man in this couple was scary clueless. He thinks a home equity loan is going to solve their problems. He gave some vague protest that he needed to get his children whatever they wanted becauseâŚ
What a shit show.
Also, to these people I would like to say that yes here in flyover country, there are still JCPenney stores. I was in one the other day after not being in a JCPenney store for years. It was a great store, very large and well stocked. I donât really buy stuff like that much anymore but I needed some new pillows so I went there rather than Target because they needed my business more than target.
7 Likes
We have it in CA, too. Thereâs like 20 JCPs in LA and just as many in the SF area. I guess itâs just another âunsophisticatedâ store Ramit doesnât believe in 
(Iâve always liked Pennyâs. For a department store.)
5 Likes
I have never been so mad to not have the part two!!!
Spoiler - the way they talk about money DOES NOT match their numbers at all. How on earth can a couple have such a widely different script in their relationship versus their numbers?
Summary
She makes all of the money but also has a lot of student debt. This whole conversation I thought he was mr money bags and really good with finances based on how he talked to her. Then he has a business that he doesnât know how much it makes and she is the one bringing home a big portion of their take home? AND he has a massive truck payment as a âbusiness expenseâ. DUDE, $1400 per month for a truck is crazy in their circumstances. I guarantee that he does not need a F350 Dulie truck for his job. I donât know anyone who actually needs the power of that truck. My dad has worked heavy construction his whole life (and uses the truck to actually pull loads that the vehicle is rated for and a 250 has been plenty, plus he drives them for 400,000 miles in 7-8 years before replacing).
I canât wait to see where more of their spending is going. I doubt she is only paying for groceries per their original agreement. She makes ~8k/month and that would be a crazy amount to spend on groceries.
IDK this episode made me feel things. Not sure which things. Maybe a bit of boredom with the podcast? He is showcasing these really shocking stories, throwing in major twists, and I donât know how much I am learning/entertained by the podcast anymore.
At first I felt like I had a lot of lessons to take away and apply, now I just feel like I am listening to the reality TV of the personal finance world.
Anyone else have thoughts?
9 Likes
I stopped following some time ago for similar reasons. Lots of drama, no real growth (as opposed to say, Til Debt Do Us Part).
This isnât even how you deduct vehicle expenses. Hopefully heâs not doing his own taxes.
4 Likes
I think Ramitâs getting better at interviewing and editing, so Iâm listening from that standpoint now. But wow that part where they had to say one nice thing to each other. And it sounded like a struggle 
1 Like
This couple continues to be a hot mess.
Becki and Dustin
I feel like Ramit didnât pull together a full financial picture for this couple - maybe because they donât understand it themselves. But I appreciated that he really pulled back from the finances and focused on the lack of love. Hot damn, not saying I love you for years? These two need to run away from each other. She is a hot mess financially and he is a hot mess emotionally.
I think she could potentially get her spending under control if she wasnât in a relationship like this one. He might be better in a relationship with someone who he respects more.
8 Likes
Well said. This one made me Big Sad.
2 Likes
This weekâs episode 
Prosperity gospel! Blowing through 80K/month income! Shady financial advisor! Risking it all in a get-rich-quick scheme!
10 Likes
Ooooohhh shoot Iâve been saving it for tomorrow when Iâm WFH alone but I might have to move that up!
1 Like
Literally how. Do they have 80 time shares??
4 Likes
ATVs, Bedroom furniture, VHCOL housingâŚ
But that was a few years ago so they donât get too into the weeds on where it all went sadly.
It is a 2-parter so we havenât even seen their current CSP. I kind of hate 2-parters because of that, but this one had enough WTF moments vs just money psychology that it was a doozy.
6 Likes
lol multiple. Great start