{"id":1906,"date":"2025-06-06T01:19:26","date_gmt":"2025-06-06T01:19:26","guid":{"rendered":"https:\/\/sekmesreceptai.lt\/index.php\/2025\/06\/06\/our-real-money-fights-and-what-we-learned\/"},"modified":"2025-06-06T01:19:26","modified_gmt":"2025-06-06T01:19:26","slug":"our-real-money-fights-and-what-we-learned","status":"publish","type":"post","link":"https:\/\/sekmesreceptai.lt\/index.php\/2025\/06\/06\/our-real-money-fights-and-what-we-learned\/","title":{"rendered":"\u201cOur real money fights (and what we learned)\u201d"},"content":{"rendered":"<p><\/p>\n<div>\n<p><iframe loading=\"lazy\" title=\"Ramit and Cassandra open up: \u201cOur real money fights (and what we learned)\u201d\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/6paRo1nr-Tw?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><\/iframe><\/p>\n<p><iframe loading=\"lazy\" style=\"border-radius: 12px;\" src=\"https:\/\/open.spotify.com\/embed\/episode\/61JUbBaJ6rYUlcUY2YEUun?utm_source=generator\" width=\"100%\" height=\"352\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p><span style=\"font-weight: 300;\">In this rare and intimate episode, Ramit takes the hot seat alongside his wife, Cassandra, as they\u2019re interviewed by their close friend Julie Nguyen.<\/span><\/p>\n<p><span style=\"font-weight: 300;\">Together, Ramit and Cass pull back the curtain on how they navigate money behind the scenes\u2014from prenup negotiations and separate finances to the regular money meetings that keep them aligned. They open up about the challenges they&#8217;ve faced as a couple and reveal how, despite Ramit&#8217;s career, they\u2019re just as susceptible to money issues as any other couple on this podcast.<\/span><\/p>\n<p><span style=\"font-weight: 300;\">This conversation is an honest look at what it really takes to build a true financial partnership\u2014and a marriage that lasts.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Turinys:<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2025\/06\/06\/our-real-money-fights-and-what-we-learned\/#This_episode_is_brought_to_you_by\" >This episode is brought to you by:<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2025\/06\/06\/our-real-money-fights-and-what-we-learned\/#Links_mentioned_in_this_episode\" >Links mentioned in this episode\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2025\/06\/06\/our-real-money-fights-and-what-we-learned\/#Transcript\" >Transcript\u00a0<\/a><\/li><\/ul><\/nav><\/div>\n<h4><span class=\"ez-toc-section\" id=\"This_episode_is_brought_to_you_by\"><\/span><b>This episode is brought to you by:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 300;\">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 <\/span><strong>https:\/\/facet.com\/ramit<\/strong><span style=\"font-weight: 300;\"> to learn more about which membership option is best for you.<\/span><\/p>\n<p><span style=\"font-weight: 300;\">Netsuite | Download the free e-book &#8216;Navigating Global Trade: Three Insights for Leaders&#8217; at <\/span><strong>https:\/\/netsuite.com\/ramit<\/strong><\/p>\n<p><span style=\"font-weight: 300;\">ZocDoc | Download the ZocDoc app for FREE at <\/span><strong>https:\/\/zocdoc.com\/ramit<\/strong><span style=\"font-weight: 300;\"> then find and book a top-rated doctor today.<\/span><\/p>\n<p><span style=\"font-weight: 300;\">DeleteMe | If you want to get your personal information removed from the web, go to <\/span><strong>https:\/\/joindeleteme.com\/ramit<\/strong><span style=\"font-weight: 300;\"> for 20% off.<\/span><\/p>\n<p><span style=\"font-weight: 300;\">Fabric by Gerber Life | Join the thousands of parents who trust Fabric to protect their family. Apply today in just minutes at <\/span><strong>https:\/\/meetfabric.com\/ramit<\/strong><span style=\"font-weight: 300;\">.<\/span><\/p>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"Links_mentioned_in_this_episode\"><\/span><b><span data-contrast=\"none\">Links mentioned in this episode<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:0,&quot;335559737&quot;:450,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:768}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 300;\">Order my new book: Money for Couples<\/span><\/p>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"Transcript\"><\/span><b><span data-contrast=\"none\">Transcript<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:375,&quot;335559739&quot;:375,&quot;335559740&quot;:768}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"none\">Download the full transcript PDF<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:2010,&quot;335559737&quot;:2010,&quot;335559738&quot;:150,&quot;335559739&quot;:150}\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:00:00)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Cass underplays how frustrated she was. You were really frustrated.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:00:04)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Oh, it pisses me off. It really makes my blood boil.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:00:08)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I remember that moment where the blood leaves your face. And I realized I violated my own rule from Chapter 9 of my own book where I say, talk about it early, and it was true.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:00:18)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0I think of the things that we&#8217;ve gone through in our marriage, and it&#8217;s been really tough sometimes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:00:24)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0It was pretty hard. It was hard because I&#8217;m like, &#8222;Why are we not combining our finances?&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:00:30)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0I wanted to do it on my own, to prove to myself and to prove to Ramit like, I&#8217;m fine on my own.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:00:36)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Are there any recurring themes to things that you guys regularly disagree on when it comes to money?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:00:43)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Lighten up on the rules.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:00:44)\u00a0<\/span><b>Host:\u00a0<\/b><span style=\"font-weight: 400;\">Ooh.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:00:46)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. That&#8217;s never going to happen.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:00:47)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Times when we have had fights and then the next morning we have a money meeting, I&#8217;m like, &#8222;Oh, this (Bleep) money meeting.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:00:54)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0We have our own challenges. Years into getting married, and it&#8217;s hard.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:01:01)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0We&#8217;ve been joking over the last few days about what your worst nightmare would be on this podcast.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:01:05)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. What is it? Oh, is it happening right now?\u00a0Oh my God.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:01:09)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Welcome to the Money for Couples show. I am your host today, Julie Nguyen, and today&#8217;s guests are Ramit and Cass.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:01:17)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Let&#8217;s go.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:01:18)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I&#8217;m way more nervous about this than any podcast I&#8217;ve ever done.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(Narration)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:01:21)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I&#8217;ve been told I need to work on being more vulnerable, so today I&#8217;m doing something I have never done, and it made me really nervous, more nervous than shooting my Netflix show, more nervous than going on tour.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:01:34)\u00a0On today&#8217;s episode, my wife Cassandra and I are in the hot seat. We are being interviewed by my longtime friend, Julie Nguyen.\u00a0We wanted to do this podcast because people are always asking how Cassandra and I manage our money. How do we actually do it behind the scenes? How does it work if you make different amounts of money or you have a prenup or you saw money differently? And for years, I&#8217;ve kept that private. But today, I&#8217;m in the hot seat, and so is Cassandra.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:02:05)\u00a0The truth is that our relationship, like a lot of yours, is complex. We come from different backgrounds. We kept separate finances for years. We both run our own businesses, different incomes, strong opinions about money, and a prenup.\u00a0We got a lot of things to talk about.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:02:23)\u00a0But this episode is not just about the hard stuff and the differences in how we see money. It&#8217;s also about how to bring those differences together, how you can learn and laugh and mess up and still stay connected.\u00a0So today, in part so that I can be more vulnerable with you, I hand it over the mic.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:02:42)\u00a0Julie is one of my best friends. She was also a roommate.\u00a0She knows all of my embarrassing stories. She&#8217;s also known Cassandra since we met. So let&#8217;s get into it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(Interview)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:02:54)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Julie, you have known Ramit a very long time.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:02:58)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0We have a long history, like friends, classmates, roommates, professional, contacts, all of it.\u00a0And yeah, it&#8217;s been awesome.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:03:08)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0It feels like just yesterday you were recording these YouTube videos in the bedroom right next to\u00a0mine, and every time I couldn&#8217;t find my makeup mirror&#8211; I was trying to do my makeup&#8211; I would go in and it would be on Ramit&#8217;s desk because it had a vanity light on it. And that&#8217;s what he used to light those YouTube videos.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:03:25)\u00a0Are there any recurring themes to things that you guys regularly disagree on when it comes to money?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:03:32)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Wow. Good question.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:03:34)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0I think one is around the rules.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:03:37)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. I&#8217;m more like&#8211;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:03:39)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0We set a rule. We keep it. And I&#8217;m like, &#8222;We&#8217;re going to have to revisit sometimes.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:03:45)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0And I&#8217;m like, &#8222;What&#8217;s that word?&#8221; I never heard that.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:03:47)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0And it&#8217;s okay if we like break the rule and stuff, because sometimes we need to. So that&#8217;s one.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:03:53)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I\u00a0do think that you really like to blend money and feelings, money and where are we in our relationship. And I think that shows up a lot. And for me, I&#8217;m just like, &#8222;Let&#8217;s hit this number question that we have.&#8221; We need to answer this question about which account should this be in. And I think that both of us have tried to meet in the middle and come up with creative solutions for it.\u00a0Sometimes you really just need to talk about it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:04:21)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0I don&#8217;t think that&#8217;s ever going to change either. It&#8217;s just one of those things it&#8217;s not worth re-discussing all the time, and that&#8217;s okay. But for me personally, they do coexist. And times when we have had fights and then the next morning we have a money meeting, I&#8217;m like, &#8222;Oh, this (Bleep) money meeting.\u00a0I don&#8217;t want to have it right now.&#8221; And so it will always just coexist for me. Whereas you can compartmentalize. Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:04:46)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Also, I\u00a0think there have been times, especially when I was writing my book where I&#8217;m supposed to send the agenda out for the money meeting and I didn&#8217;t. In fact, I let it go for like over a month sometimes. And Cass would bring it up like, &#8222;Hey, you&#8217;re supposed to be in charge of this. You would never miss a meeting at work, ever.\u00a0So why are you missing this meeting?&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:05:11)\u00a0And when she told me that, I was like, &#8222;Oh (Bleep), you&#8217;re right.\u00a0Let me fix it.&#8221; And I did fix\u00a0it for a while, but then it went back and\u00a0then she brought it up again. And finally, I was very\u00a0embarrassed because here I am writing a book about\u00a0Money for Couples, and I&#8217;m not even following up by setting the freaking money meeting that I&#8217;m writing about.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:05:31)\u00a0Yes, it&#8217;s important to me. Why am I not following through on this thing? I would never miss an equivalent meeting at work. And it&#8217;s so crazy the thing that I realized was our meetings were scheduled at 7:00 PM. What work meeting\u00a0am I scheduling at 7:00 PM? None. Because by that time\u00a0we&#8217;re tired or\u00a0somebody\u00a0had to go out for a dinner meeting or something like that.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:05:53)\u00a0So I was like, &#8222;Okay.\u00a0As crazy as this sounds, I think\u00a0that one of the reasons is that we&#8217;re not taking\u00a0this seriously because it&#8217;s at 7:00 PM. I&#8217;m not taking it&#8211; so can we move it?&#8221; And she was like, &#8222;Okay.&#8221; So we moved it to 9:00 AM on\u00a0this one day, and that\u00a0is what it deserves.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:06:13)\u00a0It deserves to be in business hours so that we are both fresh, ready to go. We talked about what&#8217;s in that meeting. We simplified that, but it&#8217;s the time that made the difference.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:06:25)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0And I think for me, because you had missed a few of them to the point where I could feel the resentment building&#8211; because I took it personally because it&#8217;s connected for me. And so at one point I was just like, &#8222;Okay, I&#8217;ve addressed it with him. He&#8217;s an adult. He can figure it out.&#8221;\u00a0And you did. So I had to let you go off on your own and do it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:06:49)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah, yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:06:50)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Mm-hmm.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:06:29)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0I&#8217;m wondering, was there ever a money conversation you guys had that was the hardest one, where maybe it almost tore you\u00a0apart?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:06:37)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I&#8217;m\u00a0sweating thinking about it right now. Yes, a prenup.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:06:40)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0What are you going to say?\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:06:43)\u00a0<\/span><b>Ramit:\u00a0<\/b><span style=\"font-weight: 400;\">A prenup.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:06:45)\u00a0<\/span><b>Cass:\u00a0<\/b><span style=\"font-weight: 400;\">I was going to say prenup as well.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:06:50)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0100%. Prenup, first time I brought it up, I remember I had talked to so many people, gotten advice, planned what I was going to say, and I was very nervous about it. And you received it really well. I remember what you said. &#8222;Hey, I wasn&#8217;t expecting this, but I don&#8217;t know much about it, but I&#8217;m willing to learn.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:07:10)\u00a0I was like, &#8222;Wow, amazing.&#8221; For me, I knew we were getting married, so I&#8217;m not trying to negotiate\u00a0this in a way that I come out winning and she loses. It was like, we&#8217;re in this together, so my natural inclination is,\u00a0&#8222;I want to propose something that is\u00a0so generous, there can be no question about\u00a0what I want from this.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:07:40)\u00a0And I remember because I was like, &#8222;I want you to never\u00a0have to worry about money because we don&#8217;t have to worry about money. We get this amazing opportunity to live our Rich Life and help our family and things like that.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:08:05)\u00a0So\u00a0lawyers put\u00a0together this thing,\u00a0and I was like, cool. This is going to be great. It was not. And\u00a0I was shocked because\u00a0I&#8217;m like, &#8222;Whoa.&#8221; And we&#8217;re talking about big numbers. And we started going back and forth\u00a0and I was very confused, very hurt because I&#8217;m like, I&#8217;m not trying to\u00a0trick anybody here. And I think\u00a0that was when it started to get\u00a0very difficult.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:08:30)\u00a0And it all changed when you said like, &#8222;Hey, this isn&#8217;t really going well.\u00a0Let&#8217;s go see somebody.&#8221; And then we walked down the street to that therapist just like we found them on Yelp. And that question she asked us, like, &#8222;How do you see money?&#8221; And that really opened up\u00a0conversations that we hadn&#8217;t been able to have because my answer was like, &#8222;Growth, of course.&#8221; Look at the compounding. And her answer was safety.\u00a0Like, &#8222;Huh.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:09:06)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0I was like, &#8222;I don&#8217;t want to be possibly divorced, sitting outside of a house with rain coming down and dark clouds all over.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:09:13)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0And I was like, &#8222;Look at these numbers.\u00a0That&#8217;s literally impossible.&#8221; But in retrospect, you were not asking me\u00a0to pull out a (Bleep) spreadsheet.\u00a0You were feeling this. Looking back, I needed to listen\u00a0to what you were saying. I should have been asking\u00a0more questions.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:09:32)\u00a0I should have used the freaking wheel of emotions because\u00a0I didn&#8217;t know how to describe my feelings. I wasn&#8217;t raised talking about my feelings.\u00a0And you\u00a0also needed to become more adept with numbers and\u00a0to be able to\u00a0merge between feelings and numbers and logistics.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:09:53)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. And I&#8217;ll never forget something Ramit said to me during that time. You were like, &#8222;I really need you to get better at money.&#8221; And I took that very seriously because deep down inside I was like, &#8222;I know I&#8217;m not that great at money. I could get better.&#8221; And so that&#8217;s when I started reading the books, hired a coach, journaling. All the things.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:10:13)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0She hired a coach. I never even asked her who the coach was, because I&#8217;m afraid if I find out\u00a0who it is, I&#8217;m be so (Bleep) mad. Who is this coach who&#8217;s talking about money psychology that you hired?\u00a0But in retrospect,\u00a0that was totally the right move. You can&#8217;t learn from somebody who you&#8217;re talking to about this. You have to find\u00a0your own way. And you did it. You put in tons of work. I\u00a0remember you would lose your breath when we were talking about money.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:10:37)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. I would physically feel it. Yeah, anxious and stuff.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:10:41)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0You would run out of breath, and\u00a0that doesn&#8217;t happen anymore.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:10:44)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0I think a lot of our experiences from that bled into our marriage, and until we started having those tougher conversations about why do you really feel that way, and what&#8217;s beneath that, we started to uncover, for me at least, it was a lot because of what happened in the prenup and how I felt at that time.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:11:05)\u00a0And thinking back to the prenup, I feel like I was a completely different person then. I was more scarce with money, so I didn&#8217;t think abundantly with like, I can earn more. I can start a business. I can do this and that.\u00a0And so I was like, &#8222;Okay, I need to keep what&#8217;s mine. My mine, my mine, my mine.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:11:24)\u00a0And Ramit was always very like, &#8222;This is why I&#8217;m doing this.&#8221; And he always explained why. And so the prenup, because I didn&#8217;t grow up with anyone who had prenups around me, I had to do my own research. And then the advice online is horrible for women as well.\u00a0And so really sifting through all of that info was tough. But yeah, the prenup was really tough.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:11:35)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0We&#8217;ve been joking over the last few days\u00a0about what your worst nightmare would be on this podcast.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:11:40)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. What is it? Oh, is it happening right now? Oh my God.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:11:43)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0And your\u00a0team was\u00a0able to send me, so we are going to dig into the numbers, your CSP.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:11:46)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Oh, wow. You know what? I&#8217;m not even phased because I know you don&#8217;t have it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:11:50)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Oh.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:11:51)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I (Bleep) know it. I know that. It&#8217;s called confidentiality, people.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:11:53)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Damn.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:11:54)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Although our CSP would make no sense.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:11:56)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah, it doesn&#8217;t make sense.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:11:58)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0It would make no sense. We have no assets, aside from investments. But we have&#8211; what is the biggest asset? Like a sweater?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:12:02)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. Maybe.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:12:04)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I don&#8217;t\u00a0know.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:12:06)\u00a0<\/span><b>Cass:\u00a0<\/b><span style=\"font-weight: 400;\">Jewelry.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:12:07)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. We have basically very few assets, and yeah, it just makes no sense.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:12:12)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. It wouldn&#8217;t make any sense, but I see you sweating.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:12:15)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I know. I don&#8217;t want that (Bleep) CSP. People will be like, &#8222;What? Why do you spend that much on guilt-free\u00a0spending? Because I like to travel.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:12:25)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0I wouldn&#8217;t want people to see your CSP. I basically know I&#8217;m close enough to you guys, but people wouldn&#8217;t understand if they don&#8217;t know\u00a0you well. That&#8217;s the thing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:12:35)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah, but actually I think that\u00a0when I see somebody who has like a crazy way that they spend money, I actually admire it, as long as they can afford it. I&#8217;m like, &#8222;Oh,\u00a0you spend this much on clothes\u00a0or you spend\u00a0that much donating.&#8221; Whatever it is. I&#8217;m like, &#8222;That&#8217;s cool if you can afford it.&#8221; The more dialed in your\u00a0Rich Life becomes, the more weird\u00a0your finances will become.\u00a0And that&#8217;s normal. It should be. The more unique you create your own vision. So I think\u00a0we&#8217;ve done that together progressively over many years.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:12:45)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah, definitely.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:12:47)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0I want you each to talk about what you did leading up to this podcast because it highlights how different your personalities\u00a0are.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:12:50)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. Tell them, Cass.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:12:52)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yes. So we had a party this weekend at our place, and I thought it would be fun to have these finger tattoos available to everyone except I was the only one who used them. And they came on and they were so light. So I was like, &#8222;I&#8217;m just going to put them on all my fingers.&#8221; So I did, and then last night I spent an hour trying to get them off and I was like, &#8222;Oh, well. It&#8217;s fine&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:13:03)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0She looked at me and she goes, &#8222;Babe, they&#8217;re not coming off. These are not coming off. What should I do?&#8221; I&#8217;m like, &#8222;I don&#8217;t know.&#8221; I looked it up. It didn&#8217;t come off, and then she just goes, &#8222;Eh,\u00a0whatever.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:13:15)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0It&#8217;s fine.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:13:16)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I&#8217;m like, &#8222;Babe, they roll tight on your fingers.\u00a0They&#8217;re going to see, everyone.&#8221; Looking like a felon. Hold that up. Look at this.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:13:23)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0I probably should have read the instructions before, because these are supposed to last two weeks.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:13:29)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0She did it two days before we shoot. Anyway, perfect example.\u00a0You&#8217;re like, &#8222;Whatever.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:13:35)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Go with the flow. It&#8217;s fine.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:13:37)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I&#8217;m like, &#8222;Did you plan it out?\u00a0What&#8217;s in the calendar?&#8221; I would never.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:13:42)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0You even told me last night, &#8222;I don&#8217;t even use any body products that are new. I don&#8217;t eat anything out of the ordinary before I do&#8211;&#8222;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:13:50)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. I would never use a different shampoo the day before.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:13:52)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0It just never crossed my mind at all.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:13:54)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. I gifted these two a very nice shampoo\u00a0and conditioner. I wasn&#8217;t expecting you to use it before the\u00a0shoot. And then Cass told me she used it. Even I was like, &#8222;Girl, you couldn&#8217;t wait one day?&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:14:09)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Perfect example.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:14:11)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah, yeah.\u00a0Very much so. Yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:14:13)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. I want to rewind again.\u00a0I know Ramit has spoken a lot about his experiences with money growing up, and we can revisit those, but I&#8217;m curious, Cass, what was your experience with money growing up?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:14:23)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0When I think of my parents and of my childhood, I think of just laughing all the time. And my parents really instilled in me to have a good sense of humor because life can get tough and all the things, but my parents both worked full-time. Their work ethic is like exceptional.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:14:44)\u00a0I have a brother as well, so it was four of us in the household. And so whenever my brother and I wanted to do sports or whatever, they would find a way to make it happen.\u00a0They were always so supportive. Because we didn&#8217;t travel a lot when I was small. We would just stay in California. I took road trips and stuff.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:14:02)\u00a0But anytime I got the opportunity to go somewhere, they&#8217;re like, &#8222;Go. Do it. We&#8217;ll find a way to make it happen.&#8221; And so I&#8217;m always, always so grateful for that.\u00a0But yeah there were never real conversations about money, but honestly I think it&#8217;s because my parents were so busy working all the time. They just needed to work and provide and all of that stuff. So I had a very amazing childhood. But yeah, we didn&#8217;t really talk about money too much.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:14:26)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Now, Ramit, talk a little bit about what your\u00a0money\u00a0experience was growing up.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:14:30)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0My parents did not come here with a lot of money. They had an arranged marriage. My mom got on a plane for the first time and comes to America to meet my dad. They met. Seven days later, married, and they built this family, and sometimes they had to do stuff that we can&#8217;t really imagine doing right now. Quite frugal because they had to be.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:14:52)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Please tell the Disneyland story.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:14:54)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Oh my God.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:14:55)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Because I love\u00a0it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:14:56)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Oh my God.\u00a0I was born in 1982, and when I was 14, 15 years old, something like that, we went to Disneyland. We didn&#8217;t go to Disneyland a lot, but we were living in northern California. Our family trip was typically, get in the minivan, drive down to Southern California, stop midway, open up a thermos, which my mom had made lunch and put it in there.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:15:22)\u00a0We wouldn&#8217;t eat out at a McDonald&#8217;s. Too much money. And then keep going and stay with our family in Southern California. That was our trip. This time we went to Disneyland. Disneyland is expensive, but my dad loves a good deal. So we get to the front, and we know that\u00a0something&#8217;s going on because he goes, &#8222;Stay there.&#8221;\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:15:44)\u00a0But I wanted to listen. Not only does my dad pull out his state ID, not only does he pull out his AAA discount and stack that on top, my dad pulls the most legendary move I&#8217;ve ever seen. He pulls out a check from 1982 and he says, &#8222;Resident, Los Angeles, here you go.&#8221; Gets the resident\u00a0discount for all of us.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:16:06)\u00a0I said, &#8222;Dad, how did you keep that check for 15 years?&#8221; He never answered. He just smiled. So we all went to Disneyland that day. Amazing. There&#8217;s something very romantic about, they had to find a way to have their kids have a nice time, and that&#8217;s what they had to do.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:16:21)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0That&#8217;s one of my favorite sayings that your mom says. There&#8217;s always a way. And she and your dad were always very creative.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:16:30)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Very creative I later found out my mom was calling the soccer league, like, &#8222;Hey, we can&#8217;t afford the fees. What can we do?&#8221; And they were like, &#8222;If you chalk the fields before the game, we will like wave the fee.&#8221; My mom was freaking chalking fields. We didn&#8217;t even know this. I didn&#8217;t know this till my 20s. Just to get us to be able to play soccer. That is crazy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:16:50)\u00a0And I think what my dad and that example and my mom and so many examples is like, we&#8217;re going to find the family joy in whatever we have to do. If we&#8217;re pulling over on the\u00a0side of the road and eating lunch that my mom made, there&#8217;s joy in that. It&#8217;s not that we&#8217;re less than anybody else that we can&#8217;t eat at some restaurant.\u00a0It&#8217;s just this is what we do. This is family. And I see that in so many lessons now. I look back on what my parents taught me, and I talk to them. But that&#8217;s a great example.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:17:21)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0I want you guys to tell me about how you first met, and more importantly, what were your first impressions of each other?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:17:28)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I remember everything. I saw her. I knew I had to get to know her.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:17:32)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0I vividly remember that. And then I also knew like that day that something was different.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:17:42)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0I want you guys to tell me about how you first met, and more importantly, what were your first impressions of each other?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:17:49)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Oh, I&#8217;ll go first. I remember everything. I saw her. I knew I had to get to know her. So we were at a friend&#8217;s barbecue. I saw her. She was in the kitchen. It was a daytime\u00a0barbecue in New York.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:18:00)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Wait, was she cooking?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:18:01)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0No, no, no.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:18:03)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0No, I don&#8217;t cook.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:18:04)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0We were there, and I saw her from across the room. And I don&#8217;t remember what you were wearing, but I was like, &#8222;She&#8217;s not from New York.&#8221; Because she had a big smile and was just very animated and had a California energy. I&#8217;m from California, so I know that. And I went up to her and I said, you don&#8217;t have to tell me where you&#8217;re from. I already know you&#8217;re from California. Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:18:27)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0That was the line.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:18:28)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I saw her. I knew I had to get to know her, and quite a gamble saying that California thing. It turns out she is from California.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:18:36)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0I remember what he was wearing that day. He was wearing a red polo with khaki shorts, which he does not own anymore.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:18:43)\u00a0<\/span><b>Ramit:\u00a0<\/b><span style=\"font-weight: 400;\">That got changed very quickly.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:18:44)\u00a0<\/span><b>Cass:\u00a0<\/b><span style=\"font-weight: 400;\">Yeah. So he does not, but I vividly remember that. And then I also knew that day that something was different.\u00a0Especially after we talked, I was like, &#8222;Something is here.&#8221; And I remember women telling me, &#8222;When you know you know.&#8221; And I was like, &#8222;Yeah, okay. Whatever.&#8221; But I think I knew that day that this was going to be like something more long term.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:19:08)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0We started going out and I remember on the first date we went to (Inaudible) on 6th and 2nd. That was a Mexican\u00a0cocktail bar. And\u00a0I accidentally spilled an entire cup of water\u00a0on her.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:19:25)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Accidentally.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:19:25)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0No, it was an accident, but it was actually amazing because\u00a0she just laughed. She literally\u00a0just laughed. And that was a moment where I think I just subconsciously registered\u00a0I love people with a good sense of humor, but especially my wife. I knew that the person that I was with had to have a good sense of humor because it&#8217;s so important to me.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:19:49)\u00a0And when I saw that, it was a total freak accident that I knocked it over, and she just laughed.\u00a0So the first smile, the first time I saw you and then the laugh, I was like, &#8222;Oh, there&#8217;s something here.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:20:00)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. I was crying on the inside though, because I had on a good outfit that night.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:20:05)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0So back when\u00a0you first started dating, what would you have said back then\u00a0you were looking for in a partner, and now that you&#8217;ve been together for a decade, what do you think actually matters?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:20:15)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I would&#8217;ve said sense of humor, interested in self-improvement and the same values. I think all those things are true.\u00a0But I underestimated how important resilience is. It&#8217;s huge because things happen in life where\u00a0it&#8217;s not in your control. And to be able to take it and grieve and process it and then get up the next day and still keep going\u00a0is like, &#8222;Wow,\u00a0that&#8217;s incredible.&#8221;\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:20:50)\u00a0I don&#8217;t know how you look for resilience. I truthfully don&#8217;t. I think I got really lucky, and I think that we have built trust together where sometimes you just need to lean on your partner\u00a0and you need to just be like, &#8222;I can&#8217;t do this on my own.\u00a0I need help.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:21:05)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0As you say, resilience, that is so true. And I&#8217;m just thinking back to when we were dating, like how would you screen&#8211;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:21:11)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I have no idea.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:21:12)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0For that? You pour a glass of water on them at the bar.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:21:17)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Yes. Who do you&#8211; unknowingly. What a great test. But what would yours be?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:21:25)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0So I would say a sense of humor is very important to me. My parents are hilarious. They have a great sense of humor, and they really taught me that. And I would&#8217;ve said that back then. And you do. We laugh all the time. But now I think what is most important after everything we&#8217;ve been through is a positive outlook.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:21:47)\u00a0Because I think of the things that we&#8217;ve gone through in our marriage, and it&#8217;s been really tough sometimes. And to have you being there, being so positive and forward looking and, okay, here&#8217;s what we need to get done, and stuff, has been really amazing. And think it would be really hard to be with someone who didn&#8217;t have that outlook consistently.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:22:09)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Who brought up\u00a0money first when you were dating,\u00a0and how did that go?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:22:13)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I probably brought it up, but I think you brought it up seriously. This is a big mistake. I made a big mistake on this one. So Cass had asked me early\u00a0on for some help with her 401(k) or something. I was like, &#8222;You ever heard of a book called I Will Teach You to Be Rich? Read it.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:22:31)\u00a0I helped you with your, I think work finances. Because of that, I\u00a0knew about your salary and basic\u00a0expenses, but I didn&#8217;t tell you mine. Years into dating and she said, &#8222;It doesn&#8217;t feel fair.\u201d You know everything about my finances, and I don&#8217;t know anything about yours.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:22:50)\u00a0And\u00a0I remember at that moment, almost that moment where the blood leaves your face.\u00a0And I realized, I\u00a0violated my own rule from Chapter 9 of my own book where I say, talk about it early.\u00a0And it was true. And in the back of my head, I know why I didn&#8217;t share it earlier. I love understanding money. I love building the systems of money.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:23:12)\u00a0I love\u00a0earning and\u00a0spending money,\u00a0but I don&#8217;t like talking about the specific details of my own money. And so I remember we had one of the best conversations we&#8217;ve ever had\u00a0where\u00a0I was like,\u00a0&#8222;Here it is.&#8221; And it felt weird because I had never told anyone except professional\u00a0people who\u00a0need to know certain numbers. But I also\u00a0felt really proud.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:23:35)\u00a0I felt really proud because what\u00a0I had built took a lot of work,\u00a0a lot of dedication, a lot of luck. And to be\u00a0able to share that,\u00a0it\u00a0meant that we could create a life that most cannot\u00a0imagine.\u00a0And the questions are different. It&#8217;s like, what do we want to do\u00a0in our Rich Life? So it felt amazing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:23:59)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Can you help me understand something? Just because if I were in your shoes and I had a big bank account, I wouldn&#8217;t feel afraid to tell my partner my money. I assume it would be people in the opposite situation. So can you help me understand why you were resistant to share your numbers for so long when they were technically healthy numbers, if you know what I mean?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:24:18)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I&#8217;m a public figure, but\u00a0in many ways, I&#8217;m very private. And it was only when Cass pointed out that I had not proactively, which I regret that, that&#8217;s when I started to open up. And then I think that was what allowed us to start connecting more.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:24:33)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. The funny thing is, when we met, I had no idea who he was, what he did, anything. And I think I asked you, &#8222;Oh, what do you do?&#8221; Because people ask that in New York. And you&#8217;re like, &#8222;Oh, I&#8217;m an author.&#8221; And then that was it. And so you were very modest about everything.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:24:47)\u00a0But after he had shared that with me, I was like, &#8222;Wow, he&#8217;s worked really hard to get to that point.&#8221;\u00a0And as a business owner now, I&#8217;m like, &#8222;It totally makes sense.&#8221; I would probably have done the same thing and approached it the same way. So it also helped me have a lot of empathy too.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:25:02)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I appreciate that.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:25:04)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0I want to talk about the proposal\u00a0a little bit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:25:06)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0We were dating pretty seriously, and it was very clear we were both in this for the long term. We loved each other. We had met each other&#8217;s families. And we sat down. We still have the Google calendar invite, and it was all these agenda items. And she goes, &#8222;There is one other thing. I would like to be engaged by Q1 of next year.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:25:29)\u00a0And I was like, &#8222;Did you just speak in\u00a0financial quarters? Because\u00a0you are truly the dream woman of my life.&#8221; And that&#8217;s exactly what happened. And she had made it clear like,\u00a0this is when I want to be proposed to.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:25:43)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Wow.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:25:43)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0And then I also had sent him an email with rings that I liked.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:25:48)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Thank God. I love that.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:25:49)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0So I detailed like, &#8222;I like this cut. I like this medal. Do what you want with this, but here&#8217;s some details to help guide you.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:25:57)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I love that. That made it so easy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:25:59)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0All right. So how did he propose, Cass?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:26:01)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Oh, it was very special and very thoughtful. He said to me, &#8222;We&#8217;re going to go do a cooking class.&#8221; And he&#8217;s like, &#8222;Wears something nice.&#8221; And I was like, &#8222;Oh, okay.&#8221; The spidey sense starts to go up.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:26:14)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Wait, what? I didn&#8217;t know this. What the hell?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:26:17)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Because we had talked about getting engaged and all this, so I knew it was coming at some point.\u00a0And then I had my nails done. I was all ready to go. And we did. We went into Little Italy and you had arranged a baking class, and then there was a back room, but I could see through the curtains that there was like a table and some flowers on it and stuff. So while things were baking, Ramit was like, &#8222;Oh, follow me back here to this room.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:26:42)\u00a0And I knew. I was like, &#8222;Oh my gosh, it&#8217;s coming. It&#8217;s coming.&#8221; And he did. He proposed then, and that was very special. And so he had to arrange a photographer, so we went out to do photos. We came back, and he flew my parents in and his parents and sisters and brother were there and all of our friends. And we had a party that night, our engagement party.\u00a0And so it was really special.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:27:05)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Wow.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:27:06)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. That was an\u00a0awesome day.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:27:07)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0It was very thoughtful.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:27:51)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Cass, you mentioned you had a scarcity mindset around money, and now you have an abundance mindset around money. Can you share what kind of inner work you&#8217;ve had to do to make that transition?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:28:02)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. It was a lot of work, and I think it was just a lot of going inwards, honestly. Why am I thinking this way? Do I really believe I can&#8217;t earn money, or I don&#8217;t deserve X or Y? And so the journaling and the mantras that I would repeat to myself over and over really helped, but it was a lot of introspection, and that was really illuminating for me because I thought when you&#8217;re in a marriage\u00a0everything should just flow and it works and all this stuff.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:28:36)\u00a0Where in reality, I personally knew that I had to do a lot of work on my thoughts and what I believed and how that was going to impact us as husband and wife. And that has paid off so much. It was a lot of work. But in hindsight, I am so glad that I did it because that then has cascaded into me advocating for myself more in our relationship, outside of the relationship, being a better business owner.\u00a0So many ways it has impacted my life.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:29:05)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0I love it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:29:06)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Wait, wait. What was the mantra that you said? I didn&#8217;t know this.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:29:09)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Oh, yeah, there&#8217;s a lot of mantras.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:29:10)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0What&#8217;s one?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:29:11)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Money flows to me easily.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:29:14)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Oh.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:29:15)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0That is one. Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:29:16)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0And the implication is I\u00a0deserve money. Is that it?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:29:22)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0I can earn money. I can attract money. Money likes me, all of that, instead of the opposite.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:29:29)\u00a0<\/span><b>Ramit:\u00a0<\/b><span style=\"font-weight: 400;\">I&#8217;m scarce.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:29:30)\u00a0<\/span><b>Cass:\u00a0<\/b><span style=\"font-weight: 400;\">Yeah, yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:29:31)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I better protect everything I have. Wow. That&#8217;s cool.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:29:33)\u00a0<\/span><b>Cass:\u00a0<\/b><span style=\"font-weight: 400;\">Yeah. And it was so interesting too because working a corporate job for so long, you kind of know your path.\u00a0You know the next promotion, what the salary is going to be, possible bonus. But now as a business owner, the sky is the limit. And so that transition mentally for me, going from corporate worker to business owner has really helped me as well become more abundant too.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:29:55)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0That is so different than my approach because when we met, I had been running my own business for 15 years, and I knew if I want to make more money, here&#8217;s what I need to do. And if I want to take a three-week\u00a0vacation or a five-week vacation, I can do that too.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:30:13)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0And\u00a0I remember Ramit would be like, &#8222;Yeah, I&#8217;ll just make more money.&#8221; And I&#8217;m like, &#8222;What? You just make more money. Like, what?&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:30:19)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0During COVID, I remember she told me this thing. I was taking a nap on our couch.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:30:25)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0It was 3:00 PM on a Tuesday.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:30:27)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I thought nothing of it. I like to take a nap.\u00a0And then she later told me, she goes, &#8222;I saw you taking a nap.&#8221; She&#8217;s like, &#8222;You have all these people working for you and you&#8217;re on TV and this and that, and you&#8217;re just taking a nap.&#8221; She&#8217;s like, &#8222;That&#8217;s what I want.&#8221; I was like, &#8222;That&#8217;s actually awesome, because I do love the freedom to be able to take a nap.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:30:46)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah, that actually really inspired me.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:30:48)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. And now you&#8217;ve done it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:30:50)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah, yeah, yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:30:51)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0It&#8217;s amazing. So I love that example that we both take from each other about like, oh, you do that in your business?\u00a0What? That&#8217;s\u00a0possible now because I think you&#8217;re abundant, and we&#8217;re both abundant.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:31:02)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yes, absolutely.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:31:03)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0It&#8217;s been great staying with you and seeing you both sleeping in the middle of the day.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:31:09)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0We do love our naps.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:31:12)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Cass, for years you kept your money separate from Ramit&#8217;s. I want to understand what made you\u00a0so hesitant to combine your money\u00a0and then what was it that finally changed that made you willing to take the leap at last?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:31:28)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah, that has been quite a journey for myself. When I think back to when we were dating and then we got the prenup and newly married, I wanted to do it on my own, despite us being married to prove to myself and to prove to Ramit I can earn money. I&#8217;m fine on my own. I don&#8217;t need to ask for help.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:31:54)\u00a0And I had a real sense of pride in that as well. And so just recently we started really digging into that a little bit more. And I started thinking independently, &#8222;Why am I thinking this way? Is it serving me? Is it serving us? How does Ramit feel about that as well?\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:32:14)\u00a0And it was very nerve wracking\u00a0for me to go to him and\u00a0be like, &#8222;Okay, I&#8217;m ready to do things jointly now. And I think Ramit had always, always pushed and advocated for us to do our money jointly. How was that for you to&#8211;?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:32:29)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Oh my God. I was like, &#8222;This is what I&#8217;ve been talking about\u00a0for six years.&#8221; It felt awesome.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:32:35)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0And I think back to why I thought that way for so long, and honestly, it surrounded me. Growing up with girlfriends, you always want to keep money for yourself just in case. And Ramit is so awesome. He&#8217;s such a loving husband. I&#8217;m like, &#8222;Why am I not giving him a chance?&#8221;\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:32:56)\u00a0And so it&#8217;s been a little bit since we transitioned now, and I still get nervous from time to time, but we talk it through together and yeah, have good conversations about it. It&#8217;s still work in progress though. Still work in progress.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:33:11)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I think that&#8217;s pretty surprising to a lot of people because we talk about joint. And if you look on the internet, everyone&#8217;s like, when you&#8217;re married, everything comes together. But you mentioned this whisper in your mind about I need to have a little bit for myself. And it was what surrounded you. I think that&#8217;s really common. Really common.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:33:30)\u00a0Personally, it was pretty hard. Emotionally, it was hard because\u00a0I&#8217;m like, why are we not combining our\u00a0finances? Our future is together, so how can we not? But then logistically, that was also very\u00a0challenging because you&#8217;re a business owner. I&#8217;m a business owner. We&#8217;re going to have joint money, but we&#8217;re also\u00a0going to have separate.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:33:54)\u00a0And our setup was so complicated early on. It was like every quarter, if we have to do an analysis\u00a0of our distributions, then we need to reapportion things\u00a0because we&#8217;re paying proportionally,\u00a0and we&#8217;re married. And it was so complicated, and\u00a0I&#8217;m not trying to do this analysis myself.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:34:12)\u00a0So it was\u00a0so much work.\u00a0And then having to go back to\u00a0each other and say like, well, you got to transfer this much to this account is so burdensome, but for us to finally be able to put everything into that joint account feels awesome. It just feels natural because that&#8217;s our future. It&#8217;s together.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:34:33)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. It&#8217;s funny because Ramit would do these podcasts and he&#8217;d be like, &#8222;Yeah, they didn&#8217;t want to put their money jointly together.&#8221; And I&#8217;m like, &#8222;Oh really? Oh.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:34:42)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I wasn&#8217;t trying to send you a secret message.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:34:44)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0No, I know.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:34:45)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0But in retrospect, we&#8217;re just like everybody else.\u00a0We are living it. We have our own challenges. Years into getting married, we&#8217;re still tweaking things. And that gives me a lot of compassion because it&#8217;s hard. It&#8217;s hard. And you&#8217;re successful as an entrepreneur and very empathetic. And I&#8217;ve been doing this for 20-plus years, and it&#8217;s hard for us.\u00a0So you know it&#8217;s hard for\u00a0other people too.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:35:09)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah, we can really empathize with all the guests.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:35:12)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0So now that you&#8217;ve taken that leap; how has it affected\u00a0your relationship?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:35:17)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah, it has been positive to know that we&#8217;re working towards this together.\u00a0If he does well, I do well, vice versa. And if you enjoy something, I enjoy it. And vice versa. It&#8217;s been really relaxing for me.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:35:33)\u00a0<\/span><b>Ramit:\u00a0<\/b><span style=\"font-weight: 400;\">That&#8217;s a good word.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:35:34)\u00a0<\/span><b>Cass:\u00a0<\/b><span style=\"font-weight: 400;\">Mm-hmm.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:35:36)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I feel like the day we decided, it immediately eased&#8211; immediately. There was a noticeable connection in our\u00a0relationship that\u00a0was there before, but we had to work\u00a0to get it. It was like going from teammates to true\u00a0teammates.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:35:54)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. It&#8217;s like a new level of trust, I would say.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:35:58)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Oh, I love that description.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:35:59)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Mm-hmm.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:36:00)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0So there were times then when you were advising, Ramit, other couples to merge their\u00a0finances complete when you guys hadn&#8217;t done that yet?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:36:06)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0So I did talk to couples where I&#8217;m like, &#8222;Yeah, it makes a lot of sense for you to combine.&#8221; And ours was combined, but\u00a0not&#8211;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:36:14)\u00a0<\/span><b>Cass:\u00a0<\/b><span style=\"font-weight: 400;\">Not 100%.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:36:15)\u00a0<\/span><b>Ramit:\u00a0<\/b><span style=\"font-weight: 400;\">Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:36:15)\u00a0<\/span><b>Cass:\u00a0<\/b><span style=\"font-weight: 400;\">Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:36:16)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Got it. Okay.\u00a0I want us to take the time\u00a0now for you to walk us through your entrepreneurial journey and\u00a0everything you had to go through to become\u00a0the kind of woman who can\u00a0sit here today, sit at the table, not just as Ramit&#8217;s romantic partner,\u00a0but as a powerhouse in her own right.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:36:34)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. It was quite a journey, and Ramit has been there along for the whole ride. I worked a corporate job in the fashion industry, 9 to 5. I was a fashion merchandiser and buyer, and then Ramit had an idea one day, and he said, &#8222;You&#8217;re really good at styling.\u00a0Have you ever thought about starting a business?&#8221;\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:36:55)\u00a0And I said, &#8222;No way. I have never ever thought about it.&#8221; And then we went to a friend&#8217;s wedding, and I pitched my services there. I didn&#8217;t know how to do an invoice. I didn&#8217;t know anything. And I got a client that night, and then that was the beginning of Next Level Wardrobe. So it has been a really rewarding journey, and it&#8217;s been fun to have Ramit as my support system along the way.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:37:24)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. You&#8217;re very modest.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:37:26)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Can I brag for her?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:37:27)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Yes, please.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:37:28)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Because I see the business. And\u00a0first\u00a0of all, the work that you\u00a0do for your clients is amazing. You go out of your way. You&#8217;re not just delivering the minimum. You&#8217;re going\u00a0above and beyond, texting them,\u00a0helping them with their packing, doing in-person as well, but also the backend of the business is what is really impressive.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:37:49)\u00a0So\u00a0I saw you build it from the beginning.\u00a0I remember early on, it was late at night. It was 11:00 PM. You normally were not\u00a0awake that late. And I come out and you&#8217;re staring at your computer and basically close to\u00a0crying.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:38:08)\u00a0And I was like, babe, what&#8217;s wrong? You were like, &#8222;This (Bleep) website alignment won&#8217;t work.&#8221; And I was like, &#8222;Why don&#8217;t we go to sleep and we can worry about it in the morning?&#8221; And compare that when\u00a0you&#8217;re starting out as an entrepreneur, every little detail feels existential. And now you have systems\u00a0in your business that I don&#8217;t have.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:38:33)\u00a0I&#8217;m like, &#8222;How&#8217;d you do that? What software? Who&#8217;d you hire for that?&#8221; And that&#8217;s when she&#8217;s like,\u00a0&#8222;Don&#8217;t you dare hire them away because I&#8217;m working with them.&#8221; And the way that you deliver a creative service in\u00a0a structured way\u00a0is amazing. It&#8217;s\u00a0very inspirational.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:38:49)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Thank you. I will never forget that website night. I hold it deep in my soul. But yeah, it&#8217;s been fun, and Ramit has been so supportive along the way. He&#8217;s been very careful not to give advice when I&#8217;m not looking for advice and just looking for support. And one of the questions that we&#8217;ll always ask each other is, &#8222;Do you want support or do you want advice right now?&#8221; And that has been a really, really helpful question.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:39:12)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I think early on I realized you are not my student. You&#8217;re\u00a0not in one of my programs. You&#8217;re my wife, and you are an entrepreneur.\u00a0And\u00a0that means it&#8217;s not my business. And I can watch, and sometimes early on I\u00a0saw stuff, and I&#8217;m like, &#8222;Oh, I wouldn&#8217;t do it that way.&#8221; But I was just like, &#8222;Shut your mouth.&#8221; To myself. It&#8217;s not my place.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:39:34)\u00a0And then now, I\u00a0think when we talk about\u00a0business a lot, we&#8217;ll ask each other questions. Hey, how are you doing this in your business? Or\u00a0like, what are you doing for onboarding? And it&#8217;s a partnership. We are\u00a0partners. We just run different businesses. And I think we&#8217;re equally asking each other for advice, or how do we do this or that.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:39:52)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Cass, how does it feel when people think that, you or simply riding on Ramit&#8217;s success?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:39:58)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Oh, it pisses me off. It really makes my blood boil.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:40:02)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0They have no idea how successful your business is, how much work you put into it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:40:07)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Just the fact that people may think that gets me really worked up&#8211; really, really worked up.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:40:16)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Cass, how does it feel when people think that, you or simply riding on. Ramit&#8217;s success?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:40:22)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Oh, it pisses me off. It really makes my blood boil because I have worked in the fashion industry for over 25 years. I went to college for it. I have a postgrad. I have so much experience. I built multimillion-dollar retail businesses. And so just the fact that people may think that gets me really worked up&#8211; really, really worked up.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:40:49)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0They have no idea how successful your business is, how much work you put into it, how much you care about your clients, and you\u00a0go above and beyond.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:40:58)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. Even my team, the way I hire people, the way I train people, the way we work with people, all of it is just so intentional and really was built upon my experience of working in the fashion industry. And so all those people will just never really understand,\u00a0but it is, yeah, something that I&#8217;m very proud of that I&#8217;ve built and looking forward to growing it even more.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:41:24)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. So Cass, since you are the one who has that engineering systems, mind, numbers, spreadsheets, how does that show up in how you two manage money?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:41:32)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. We do have biweekly money meetings, and we have figured out a time in our calendar that works well for us, which is Thursday mornings for 30 minutes. And every quarter, I&#8217;ll prep the numbers. So we have accountants. They send me the numbers. I love a good pivot table, the lookups, all the things.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:41:54)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0I&#8217;ll get the numbers ready. And then I&#8217;ll present how the quarter is looking. So do we have extra money via distributions? How are we looking according to our budget? And go line by line item.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:42:06)\u00a0<\/span><b>Ramit:\u00a0<\/b><span style=\"font-weight: 400;\">Wait, hold on. Did you say budget? We don&#8217;t do a budget.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:42:08)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Oh yeah, no budget. CSP, sorry.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:42:11)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Thank you. Every December, we have our Rich Life review. We talk about how much do we want to spend in these categories. And because we are regularly monitoring a few key numbers, we always know, hey, we&#8217;re a little bit over. It&#8217;s okay. We have time in the year to recover.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:42:27)\u00a0We also have a bit of a complexity that many other couples don&#8217;t with business distribution. So sometimes we&#8217;ll make more than planned or not. And I think you do an awesome job of staying on top of that and us talking about it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:42:41)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. And one of the things I will bring up in our meetings is if my business has a distribution or yours and we have this extra money, how do we want to spend it? So those are fun conversations for us to have.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:42:55)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Although we do disagree.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:42:56)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0We do disagree. Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:42:58)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0This is one area where we disagree. So I think you like to talk about things each time it happens. You would be like, &#8222;What should we do with our distribution?&#8221; I&#8217;m like, &#8222;I only want to talk about this once a year.&#8221; I want to do it by percentage. I want to set a rule and then I don&#8217;t want to talk about this until next December. That is my philosophy with money. Simplify, create a rule, and then never talk about it again.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:43:25)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0But also I think rules are meant to be broken.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:43:28)\u00a0<\/span><b>Ramit:\u00a0<\/b><span style=\"font-weight: 400;\">Oh God.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:43:29)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Someone has to be the free spirit in\u00a0the relationship, but it ain&#8217;t Ramit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:43:32)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Set the rule, just the (Bleep) rule.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:43:33)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Stepped\u00a0around\u00a0hot sauce.\u00a0Okay. Ramit, when we were roommates in our 20s, we used to have little tiffs every now and then about housework, so I&#8217;m curious now that you are part of a power\u00a0couple,\u00a0how is housework divided\u00a0between the two of you?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:43:54)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Wow. This is a good question.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:43:55)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0I&#8217;ll take this one. So housework is one of those things that is really important in a relationship. I think of it as a business, and so it&#8217;s like, okay, how are we managing finances? How are we managing day to day housework, etc.? And I took a lot of it on, especially very early on, because I thought that was the way to make Ramit happy.\u00a0So he can focus on work and accomplish all your goals, etc.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:44:28)\u00a0But meanwhile, I was growing resentful because I&#8217;m like doing all the chores. I&#8217;m also working. I&#8217;m building my business. I&#8217;m trying to make you happy, friends, family, all this stuff. And so one point I was like, &#8222;I&#8217;m going to write a list and&#8211;&#8222;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:44:40)\u00a0<\/span><b>Ramit:\u00a0<\/b><span style=\"font-weight: 400;\">In Tokyo, right?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:44:43)\u00a0<\/span><b>Cass:\u00a0<\/b><span style=\"font-weight: 400;\">Yes. So I did, and I literally typed out 1 to 20, everything I was doing. I was emptying the dishwasher. I was holding laundry, listed it all out.\u00a0And actually, after I wrote that list, I was like, &#8222;Damn, this is a lot of stuff that I&#8217;m doing.&#8221; You don&#8217;t know, right?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:44:58)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Please tell me you have a photo of this list.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:45:00)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Oh, I think it exists. I think it exists. Yeah, it&#8217;s in Google Docs somewhere. And so I presented it to Ramit, and I was like, &#8222;I want you to know that this is everything that I&#8217;m doing for our household and been doing it for years.\u00a0We need to have a discussion about this.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:45:19)\u00a0And that led to a great discussion and some big breakthroughs because Ramit received it so well. He was like, &#8222;I had no idea that you were doing all this. How can we make it more equal, more fair?&#8221; So we literally went down 1 to 20, you do this. I do this.\u00a0And it&#8217;s been really helpful.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:45:38)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I remember that conversation. I think Cass underplays how frustrated she was.\u00a0You were really frustrated because I think\u00a0it had been building up for you, but\u00a0maybe you brought it up in certain ways but not like that.\u00a0And\u00a0I got to say, when you brought out the list, it was undeniable. It was like, oh, this is so obvious. This is so obviously\u00a0unfair. You know what I mean?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:46:04)\u00a0And the minute I saw that&#8211; I respond well to lists. Just put it in black and white, and I see it, and boom, we got to make a change. So it was like, okay, I&#8217;ll\u00a0do this, this. What do you think about that?\u00a0I think that was an awesome example\u00a0of you,\u00a0first of all, taking on all of that work for so long, I appreciate that.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:46:30)\u00a0That shouldn&#8217;t have been\u00a0the case. I should have been more equitable with that. But\u00a0especially in that conversation, which I know was really hard for you and\u00a0hard for me to hear, the way you presented it, I was like, &#8222;Oh,\u00a0I totally get it, and this can&#8217;t continue for one more day.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:46:45)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. And those conversations are still ongoing. We just revisited the chore list a few weeks ago and we&#8217;re like, &#8222;How do we feel about this? Is there anything we need to re delegate?&#8221; And one of the reasons why I brought that up as well is because I realized I couldn&#8217;t do it all and I couldn&#8217;t do it all at the level I wanted to, so something had to give. And now we have a 1, 2, 3 dishwasher process that we use every day.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:47:14)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Can I talk about this? I (Bleep) invented this. It&#8217;s the greatest invention I&#8217;ve ever done. Okay, listen.\u00a0We eat a lot of dishes every day.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:47:20)\u00a0<\/span><b>Cass:\u00a0<\/b><span style=\"font-weight: 400;\">I&#8217;ve seen.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:47:23)\u00a0<\/span><b>Ramit:\u00a0<\/b><span style=\"font-weight: 400;\">Yeah. That freaking thing fills up, right? The sink will be full. So I was like, &#8222;I need to apply my system&#8217;s talent to solving this problem.&#8221; So one day I said, &#8222;Babe, sit down and just mentally prepare yourself for the beauty and simplicity of this system.\u00a0It&#8217;s called the 1, 2, 3 system.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:47:35)\u00a0One, in the morning you wake up, the dishwasher will\u00a0always\u00a0be clean.\u00a0You empty it. Two, throughout the day, we&#8217;re each going to put dishes in, and whatever we\u00a0eat,\u00a0let&#8217;s try to put two dishes in the dishwasher. So we&#8217;re always filling it up. Three, at the end of the night, whatever&#8217;s left, I&#8217;m going to put it in the dishwasher. Load it up correctly. Start the dishwasher,\u00a0and repeat 1, 2, 3.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:47:50)\u00a0I love this because when I open the dishwasher, I don&#8217;t want to have\u00a0to wonder\u00a0what&#8217;s in there. Is it clean?\u00a0Is it dirty? It&#8217;s just one way\u00a0of smoothing out our lives and keeping it simple. Nobody else cares about this (Bleep)\u00a0system except me. I love it. I&#8217;m so proud of it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:47:58)\u00a0<\/span><b>Cass:\u00a0<\/b><span style=\"font-weight: 400;\">I care.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:47:59)\u00a0<\/span><b>Ramit:\u00a0<\/b><span style=\"font-weight: 400;\">Thank you, babe. Thank you. So\u00a0luckily we&#8217;re on the same page about how much we do\u00a0ourselves, which is we still do chores? We were both raised doing chores. I know your mom, you would clean on\u00a0Saturdays. And we had chores in our house growing up.\u00a0I know that.\u00a0But now there&#8217;s some stuff I just don&#8217;t want to do anymore, and I\u00a0don&#8217;t feel any guilt about\u00a0having somebody else and paying them very well and having them\u00a0do a great job. So we do that as well.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:48:09)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Let&#8217;s talk about the stuff that\u00a0you guys spend\u00a0on guilt-free, and I especially want to hear about the stuff that other people would\u00a0probably feel guilty about or that other people would think is really irrational.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:48:17)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I never felt those things in my\u00a0life. Guilt. What is that? Why would I feel guilty for spending money?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:48:23)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0I love spending money on self-care. I freaking love it. If I could retire and just go full-time into self-care, I would do it. So acupuncture, sports massage, getting my hair done, manicure, pedicure. I love it so much, and I&#8217;m so unapologetic about it because in my 40s, my theme is to slow down. And so to really calm the nervous system, all that stuff. And what better way than to get a massage?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:48:55)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0You do really love it. It is truly your money dial.\u00a0A year and a half ago, we sat down for our Rich Life review, and Cass was like, &#8222;What do you like to spend money on?&#8221; I was like, &#8222;Oh, travel, fitness, clothes.&#8221; And she&#8217;s like, &#8222;Yeah, what else?&#8221; And I was like, &#8222;Huh?&#8221; And there&#8217;s this moment where I&#8217;m like, &#8222;This is what I talk about day in and day out, but what&#8217;s my answer?&#8221;\u00a0Let me get back to you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:49:18)\u00a0Thought about it for a couple of days, and I came back and said, &#8222;What I really want is to have an apartment in New York that is beautiful, and we can leave our stuff there, and it&#8217;s a totally irrational thing to spend money on because we don&#8217;t spend a ton of time in New York. But I just love the energy here.&#8221;\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:49:40)\u00a0And she was like, &#8222;Then you should.&#8221; And so I did that. And honestly, it&#8217;s been amazing. And it&#8217;s a good practice. It&#8217;s a good reminder to practice the skill of spending money meaningfully. Meanwhile, there are other things I don&#8217;t really care about, and I always try to keep those minimized. But this one was a special one for me and for us.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:50:02)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah, it has been very special.\u00a0And one thing we have recently discovered that we don&#8217;t like to spend our money on jointly is car. It&#8217;s a new car.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:50:12)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Oh, I don&#8217;t think anybody knows this.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:50:13)\u00a0<\/span><b>Cass:\u00a0<\/b><span style=\"font-weight: 400;\">Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:50:14)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. So last year we had a theme for our Rich Life, which is we want to live a life of beauty. So that was a one-year theme. And so we&#8217;re like, &#8222;What does it take to surround ourself with beauty?&#8221; It might be fresh flowers, which I know is something you love to spend money on.\u00a0I think that&#8217;s awesome. And so Cass goes, &#8222;What about our car?&#8221; And I was like, &#8222;What about our car? It&#8217;s (Bleep) beautiful already. The Honda Accord.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:50:42)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Oh, I remember that one.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:50:43)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Oh yeah, Julie remembers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:50:44)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a019 years. Impeccable condition.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:50:47)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Really was.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:50:48)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0The only thing that was a little old about it was inside the roof, the ceiling started to fall down.\u00a0So I went to get it repaired. But other than that, it was perfect. And I go, &#8222;What are you talking about?&#8221; She goes, &#8222;If we&#8217;re following the theme, we should probably practice spending money on the things we love.&#8221; So I said, &#8222;You know what? You&#8217;re right. I still love this car. It runs perfectly.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:51:08)\u00a0It had 150,000 miles, but let&#8217;s do it. So first I was like, &#8222;I want to give this car to somebody who needs it.&#8221; So I started looking for like, single moms in LA or somebody who truly needed it. It was actually pretty hard to find. Finally, we have somebody in our network who said, &#8222;You know what?\u00a0I know these guys. They just got in an accident. They&#8217;re young. And they work hard. They need a car.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:51:35)\u00a0So I went to talk to them. I got the car all detailed and ready to go. And I went outside, and I said, &#8222;How you guys doing? I heard you guys got in an accident. And they were like, &#8222;Yeah.&#8221; I said, &#8222;What do you think about that car?&#8221; I pointed at the car. It&#8217;s gleaming. And they go, &#8222;All right.&#8221; I said, &#8222;Here.&#8221; And I handed them the keys. I said, &#8222;It&#8217;s yours.&#8221;\u00a0And they started crying.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:51:54)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah, it was really sweet.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:51:55)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0And so I gave that car feeling very proud. It was the first major purchase I ever made right out of college. It was meaningful to me. I really picked the best car. I negotiated for it.\u00a0And now to be able to give that to somebody else, like, carry on. Meanwhile we went to lease a new car. I had never leased before. We were like, &#8222;We want electric.&#8221; All we honestly wanted was Bluetooth.\u00a0We didn&#8217;t even have Bluetooth in our car.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:52:21)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0That was my only wish, Bluetooth. Because in the Honda we would just blast our speakers on the phone, on our iPhones.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:52:29)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Literally, the cell phone. We listen to Spotify off the cell phone. So we find this electric vehicle. It&#8217;s great. We get it. It has all the\u00a0features.\u00a0It has a massage, and it has 50 million cameras. And we&#8217;re like, &#8222;Whoa,\u00a0this is crazy.&#8221; And it&#8217;s been over a year. It has 3,000 miles on it. We looked at each other a few months into it and we were like, &#8222;Do you care about this car?&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:52:58)\u00a0And we were both like, &#8222;No.&#8221; And we want to get rid of it. Especially Cass because she ran the numbers to find out how much it costs all in all per month, and she was like, &#8222;Look at how much it&#8217;s costing us.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:53:11)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0It was double than what we originally thought.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:53:13)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0It&#8217;s called phantom costs, my friends.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:53:15)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:53:16)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0And we just realized we don&#8217;t care about that nice of a car. We&#8217;re perfectly happy having&#8211;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:53:21)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. I just need Bluetooth. That&#8217;s it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:53:22)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0And I was like, &#8222;Should we go and buy that Honda Accord back? But\u00a0I think it was actually a great realization for us, the fact that we tried it. We&#8217;re willing to try things and they don&#8217;t always work out. We make sure we can comfortably afford something when we try it, but it&#8217;s actually cool to know that there are things that we like and things that are not important to us.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:53:45)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah, it was a big realization for us because we were both so excited about it, and yeah, it just turned out it&#8217;s just not our thing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:53:53)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Are there any other examples from recent times where you&#8217;ve caught yourselves not taking or following Ramit&#8217;s money advice?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:54:00)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I mean we spend more than certain guidelines\u00a0on absolutely. Guilt-free spending.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:54:10)\u00a0<\/span><b>Cass:\u00a0<\/b><span style=\"font-weight: 400;\">Mm-hmm. Mm-hmm. We love our guilt-free spending, so we will work very hard to make sure that bucket is full.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:54:17)\u00a0<\/span><b>Ramit:\u00a0<\/b><span style=\"font-weight: 400;\">That&#8217;s a good point.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:54:19)\u00a0<\/span><b>Cass:\u00a0<\/b><span style=\"font-weight: 400;\">Yeah, if that means I have to do extra sales calls or you have to do another launch, or whatever it is, we will work really hard because we enjoy our guilt-free spending a lot.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:54:32)\u00a0<\/span><b>Ramit:\u00a0<\/b><span style=\"font-weight: 400;\">I never ever want to get close to the red line. I won&#8217;t even get into that area. But as\u00a0long as\u00a0it&#8217;s comfortable, I&#8217;m like, &#8222;Let me make some mistakes.\u00a0Let me learn from it, etc.&#8221; With our wedding, thinking way back to that, I had been saving since I was in my 20s, before I even met Cass. I went way over plan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:54:53)\u00a0But I was like, &#8222;So what? It&#8217;s fine. I have the money.\u00a0I don&#8217;t need to be so tiny and detailed about going over.&#8221;\u00a0However, with the big things in life, I still want to be like very con&#8211; that&#8217;s why we talk a lot about percentages\u00a0of\u00a0contribution and investment, stuff like that.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:55:12)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0I&#8217;m shocked right now because you have been saving for your wedding since your 20s, but you were still willing to make that bet with me\u00a0on who would get\u00a0married first.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:55:20)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Oh yeah. Can we talk about this freaking bet? I made so many bets when I was in\u00a0my 20s with friends.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:55:28)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0That he lost.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:55:29)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I pretty much lost all of them.\u00a0I lost pretty much every single one.\u00a0It was the loser who&#8217;s going to get married first has to present an\u00a0Ed McMahon-sized check at their wedding\u00a0to the other person. So we made this bet in our early 20s. I don&#8217;t know if you thought I forgot, but I never forgot. I track all my bets. And at our wedding, I freaking pulled out this humongous check, and we have a photo because I surprised you. What did you think when I showed you\u00a0this thing?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:55:56)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0I had forgotten the bet, so I was surprised. But I also wasn&#8217;t surprised because you do always make good on your bets because we&#8217;ve had enough over the years. So\u00a0everyone knows, I haven&#8217;t\u00a0cashed that check yet.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:56:09)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I think I&#8217;ve lost like tens of thousands of dollars in those stupid bets. Oh God.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:56:14)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0I want to know what&#8217;s the most valuable thing you&#8217;ve learned about money, love, or life is from each other.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:56:20)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Mm.\u00a0I would say from you, definitely abundance. Because Ramit was always like, &#8222;There&#8217;s a way. We can do it. We can earn more money. We can do this. We can do that.&#8221; And you got that from your parents as well. They instilled that in you. And so I think just seeing the world from that point of view has been really eye-opening for me.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:56:46)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Mine would be that I&#8217;ve learned from you is, the importance of\u00a0like, how\u00a0do you feel? How do you feel? How do I feel?\u00a0I think\u00a0for a lot of times\u00a0I didn&#8217;t know how I felt.\u00a0I knew what I thought. I&#8217;m intellectual, but\u00a0I\u00a0didn&#8217;t know how I felt. And learning that, it&#8217;s like developing\u00a0a new palette. And\u00a0it has really changed\u00a0the way that I relate\u00a0to people a lot.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:57:15)\u00a0It&#8217;s softer and more abundant. But you know what? I don&#8217;t want to be lectured too. There are areas of my life I&#8217;m trying to improve. And if somebody came into like, look at the five ways you can radically change, sometimes you just want to be heard. And I think you have taught me to really lean into that.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:57:34)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Ramit, definitely has grown into his softer side. And so behind closed doors, you do like to be the little spoon.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:57:44)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I do love that.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:57:46)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Whoa, I was not expecting to learn this today.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:57:48)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Little spoon is the way to go.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:57:49)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0He does love the little spoon.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:57:51)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I&#8217;m in touch with my own masculinity to say that.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:57:54)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0After we talk about our feelings, I&#8217;ll become the big spoon. But yeah, it&#8217;s been a true joy to see him develop emotionally and really get in tune with feelings and also ask for what he wants. And so, yeah, that&#8217;s been really cool to see.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:58:10)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I&#8217;m a teddy bear.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:58:12)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. Look it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:58:12)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I&#8217;m a teddy bear.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:58:14)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0I love that story. Cass, I want to hear\u00a0from you what it is like living with an optimizer. And also, second, is there anything that you do a little bit differently that\u00a0perhaps\u00a0drives Ramit a little bit crazy?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:58:26)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Oh yeah. So living with Ramit, he definitely loves his routines and systems. And a good example of this is he will put things back exactly where&#8211; so if he were to close his eyes, he could walk into that room and pick it up.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:58:42)\u00a0Whereas I&#8217;m like, &#8222;Oh, it&#8217;s fine. It&#8217;s over here. It&#8217;s over there.&#8221; And so stuff we share jointly, he&#8217;ll be like, &#8222;Hey, where&#8217;s that fill in the blank?&#8221; And I&#8217;m like, &#8222;Oh, I think it&#8217;s over here, but it&#8217;s over here.&#8221; And it drives him&#8211;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:58:55)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I&#8217;m getting so mad listening to this right now. I&#8217;m getting so stressed out.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:58:59)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0You&#8217;ve gotten more patient with it, but he used to get really upset by it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:59:04)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0I want you to look at each other now\u00a0and give\u00a0your\u00a0partner one\u00a0piece\u00a0of money advice\u00a0that you\u00a0think\u00a0would\u00a0help improve\u00a0either their lives\u00a0or\u00a0your lives\u00a0together,\u00a0or the quality of the relationship.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:59:18)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Damn.\u00a0Okay. You go first.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:59:22)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Lighten up on the rules a little bit.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:59:26)\u00a0<\/span><b>Ramit:\u00a0<\/b><span style=\"font-weight: 400;\">Okay. That&#8217;s never going to happen. Let me go into your bathroom with all those bottles with a large garbage bag and\u00a0clean out\u00a075%\u00a0of them.\u00a0Let me just clean it out,\u00a0please.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:59:42)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0No, that&#8217;s never\u00a0going to\u00a0happen.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:59:46)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Rapid fire round. Rapid fire. Who has the bigger closet?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:59:51)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0He does.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:59:53)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Me.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:59:53)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0What is something you absolutely refuse\u00a0to spend money on?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:59:55)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0What&#8217;s that thing in the hotel rooms? Mini bar.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:59:59)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Oh, mini bar. Yeah, that&#8217;s true.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:00:03)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Who&#8217;s more likely to impulse buy?\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:00:04)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0You, with the gadgets.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:00:07)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Clothes, maybe.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:00:08)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:00:10)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0What is the biggest splurge that you regularly\u00a0make for your health?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:00:13)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Personal trainer. Yeah.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:00:15)\u00a0<\/span><b>Host:\u00a0<\/b><span style=\"font-weight: 400;\">Who&#8217;s more disciplined about their diet?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:00:17)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Ramit. I like chocolate.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:00:21)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Your home in New York that we are all staying in right now catches on fire and you can take three things out of it. What are those three things going to be?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:00:28)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I don&#8217;t really care.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:00:30)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0My computer.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:00:31)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Oh yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:00:31)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0You and my blankie. Yes, I have a blankie.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:00:35)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Go ahead, open it up.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:00:39)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0No,\u00a0keep moving.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:00:40)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0No, no. We talked about (Bleep) little spoon over here. Care to follow up, Julie?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:00:47)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0These are supposed to be rapid fire.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:00:47)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0(Bleep) this rapid fire?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:00:50)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Dial in.\u00a0Mike Wallace, get in on this. You have to follow up, please.\u00a0Okay, I&#8217;m taking the mic. What&#8217;s a blankie?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:00:57)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0This is the hostie.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:00:58)\u00a0<\/span><b>Ramit:\u00a0<\/b><span style=\"font-weight: 400;\">I know. I&#8217;m sorry. I&#8217;m sorry. I&#8217;m sorry. What&#8217;s a blankie?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:01:04)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0A blankie is something that comforts you during sad times.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:01:07)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0You&#8217;re a grown woman and you have a blankie?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:01:09)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0I do. I love it too. And I would take it if there was a fire. Julie, do you have a blankie?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:01:15)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0No, of course not.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:01:16)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0What message do you want to share with other women who may have a blankie?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:01:20)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0It&#8217;s okay if you have a blankie.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:01:22)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I don&#8217;t really care. Stuff is stuff. I don&#8217;t really find much meaning in it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:01:29)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0So you would just grab your laptop and go&#8211;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:01:30)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Not even&#8211;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:01:31)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0You wouldn&#8217;t grab your laptop, really?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:01:32)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0It&#8217;s backed up.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:01:33)\u00a0<\/span><b>Host:\u00a0<\/b><span style=\"font-weight: 400;\">Okay. So you&#8217;d grab nothing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:01:35)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I would grab Cass, and I don&#8217;t know. Things are things. Yeah, I guess.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:01:40)\u00a0<\/span><b>Host:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. What&#8217;s one high priority life goal you haven&#8217;t achieved yet?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:01:45)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0For me, it&#8217;s how to give back. I have so many causes that I&#8217;m passionate about and I want to explore. So I think I get analysis paralysis a little bit on what cause is most meaningful and how do I go about it. But yeah, that&#8217;s something I want to explore over the next few years and dive into.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:02:00)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I was very fortunate to have a lot of scholarships that helped me get through college and\u00a0grad school, and I was incredibly inspired by it. I tried to start a scholarship when I was younger. Crazy enough, nobody applied. So I have a big vision for giving back, and so we&#8217;ve been talking a little bit more about that. But that is something that is going to happen for sure.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:09:30)\u00a0I want us to both be stewards of our money. I want us to be able to\u00a0have fun talking about it. And honestly, I don&#8217;t always get it right. As we&#8217;ve discovered, we need that partnership. I don&#8217;t think it&#8217;s a healthy part of a relationship that one person&#8211;\u00a0even if they are more experienced, or even if one person earns more money, I think it&#8217;s got to be both.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:02:44)<\/span><b>\u00a0Host:\u00a0<\/b><span style=\"font-weight: 400;\">Thank you for taking us along with your Rich Life, and I loved hearing about everything from the spreadsheets to the splurges. And it&#8217;s been an honor just as a friend to see what can happen in life when people have a real partnership, real communication,\u00a0and inspiring vision what you can build.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:10:15)\u00a0It&#8217;s so much more than\u00a0a rich relationship. It&#8217;s a rich life. So thank you for leading by example. Thank you for having me. And thank you\u00a0for sharing\u00a0so many personal stories today.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:03:15)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. Thank you.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:03:17)\u00a0<\/span><b>Ramit:\u00a0<\/b><span style=\"font-weight: 400;\">Thanks, Julie.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:03:17)\u00a0<\/span><b>Cass:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah, thank you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(Narration)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:03:19)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I\u00a0want to\u00a0give a big thanks to Julie Nguyen, who did an amazing job hosting and asking tough questions that Cassandra and I have never been asked or answered publicly. Of course, I\u00a0want to\u00a0give a huge thank you to Cassandra, not only for coming on the show, but more importantly for working through money and creating a Rich Life together, which I love her for every day.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:03:42)\u00a0I started this podcast to hear how real couples talk about money from behind closed doors. But being in the hot seat, I can tell you it is way harder than it looks. After our conversation, I was physically exhausted. I took the rest of the day off. I just sat on the couch. I have a whole new respect for the guests who come on the show and share the intimate details of their lives.\u00a0So thank you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:04:07)\u00a0And I also realized something I didn&#8217;t expect. It feels good to talk about these things out loud. On a personal note, that was really hard for me. In my culture, we don&#8217;t share these things publicly. That&#8217;s one reason that it&#8217;s so rare to see Indian people on reality TV. It&#8217;s just not part of our culture.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:04:25)\u00a0But I have learned through the work that I&#8217;ve been doing for over 20 years that talking about our challenges together with people who we trust, who want the best for us, can help us connect more deeply. Sometimes connect with our partner. Sometimes connect with ourselves.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:04:41)\u00a0I wanted to record this to show you that even the guy who wrote two books on money talks about this every day, doesn&#8217;t have everything figured out, and that actually gives me a ton of compassion for the people who I work with.\u00a0That&#8217;s why when people come on here and 50% of them don&#8217;t know how much they make, I get it. Because\u00a0there are a lot of things in my life I don&#8217;t know even today. And I know how hard this stuff is because I&#8217;m living it. So is Cassandra. And that makes me appreciate you even more.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:05:09)\u00a0My hope is that by sharing our story, you can see that in order to live a Rich Life, not everything has to be perfect and dialed in. You\u00a0got to\u00a0acknowledge what&#8217;s working, celebrate it, and then acknowledge what&#8217;s not and work on it together.\u00a0Thanks for watching. I appreciate you, and I\u00a0want to\u00a0thank you for letting us share our story.<\/span><\/p>\n<\/p><\/div>\n<p><script>\n!function(f,b,e,v,n,t,s)\n{if(f.fbq)return;n=f.fbq=function(){n.callMethod?\nn.callMethod.apply(n,arguments):n.queue.push(arguments)};\nif(!f._fbq)f._fbq=n;n.push=n;n.loaded=!0;n.version='2.0';\nn.queue=();t=b.createElement(e);t.async=!0;\nt.src=v;s=b.getElementsByTagName(e)(0);\ns.parentNode.insertBefore(t,s)}(window, document,'script',\n'https:\/\/connect.facebook.net\/en_US\/fbevents.js');\nfbq('init', '259290718675278');\nfbq('track', 'PageView');\n<\/script><a href=\"https:\/\/www.iwillteachyoutoberich.com\/211-ramit-cass\/\"> Nuoroda \u012f informacijos \u0161altin\u012f <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ufeff In this rare and intimate episode, Ramit takes the hot seat alongside his wife,&#8230;<\/p>\n","protected":false},"author":1,"featured_media":391,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[4],"tags":[3561,3562,3327,3560],"class_list":["post-1906","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sekmes-istorijos-patarimai","tag-fights","tag-learned","tag-money","tag-real"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/posts\/1906","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/comments?post=1906"}],"version-history":[{"count":0,"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/posts\/1906\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/media\/391"}],"wp:attachment":[{"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/media?parent=1906"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/categories?post=1906"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/tags?post=1906"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}