{"id":1953,"date":"2025-08-20T01:31:37","date_gmt":"2025-08-20T01:31:37","guid":{"rendered":"https:\/\/sekmesreceptai.lt\/index.php\/2025\/08\/20\/episode-222-my-husband-is-my-4th-child-will-he-ever-help\/"},"modified":"2025-08-20T01:31:37","modified_gmt":"2025-08-20T01:31:37","slug":"episode-222-my-husband-is-my-4th-child-will-he-ever-help","status":"publish","type":"post","link":"https:\/\/sekmesreceptai.lt\/index.php\/2025\/08\/20\/episode-222-my-husband-is-my-4th-child-will-he-ever-help\/","title":{"rendered":"Episode 222. \u201cMy husband is my 4th child. Will he ever help?\u201d"},"content":{"rendered":"<p><\/p>\n<div>\n<p><iframe loading=\"lazy\" title=\"\u201cMy husband is my 4th child. Will he ever help?\u201d\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/WlNiQgRygPE?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><\/p>\n<p><iframe data-testid=\"embed-iframe\" style=\"border-radius:12px\" src=\"https:\/\/open.spotify.com\/embed\/episode\/3LZcYzvezfcyvceqzJD1R7\/video?utm_source=generator\" width=\"100%\" height=\"400\" frameborder=\"0\" allowfullscreen=\"\" allow=\"autoplay; clipboard-write; encrypted-media; fullscreen; picture-in-picture\" loading=\"lazy\"><\/iframe><\/p>\n<p><span style=\"font-weight: 300;\">Fernanda (44) and Jorge (48) have been married for nearly 25 years, raising three children, including one with lifelong special needs. Despite earning $130,000 a year, they consistently spend more than they make, and only have $300 in savings.<\/span><\/p>\n<p><span style=\"font-weight: 300;\">Fernanda juggles multiple jobs and manages every detail of their finances, a responsibility that has left her physically ill from stress. Jorge works nights and picks up odd jobs, but avoids financial planning and defers almost everything to Fernanda. Fernanda dreams of a stable, less exhausting life where she and Jorge are true financial partners.<\/span><\/p>\n<p><span style=\"font-weight: 300;\">Can Ramit help them confront old patterns, create a sustainable system, and secure a future for their family\u2014especially their son\u2019s lifelong care?<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 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\/08\/20\/episode-222-my-husband-is-my-4th-child-will-he-ever-help\/#In_this_episode_we_uncover\" >In this episode we uncover:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2025\/08\/20\/episode-222-my-husband-is-my-4th-child-will-he-ever-help\/#Chapters\" >Chapters:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2025\/08\/20\/episode-222-my-husband-is-my-4th-child-will-he-ever-help\/#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-4\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2025\/08\/20\/episode-222-my-husband-is-my-4th-child-will-he-ever-help\/#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-5\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2025\/08\/20\/episode-222-my-husband-is-my-4th-child-will-he-ever-help\/#Transcript\" >Transcript\u00a0<\/a><\/li><\/ul><\/nav><\/div>\n<h4><span class=\"ez-toc-section\" id=\"In_this_episode_we_uncover\"><\/span><b>In this episode we uncover:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 300;\" aria-level=\"1\"><span style=\"font-weight: 300;\">Why Fernanda says she\u2019s \u201cphysically ill\u201d from the stress of managing their money alone.<\/span><\/li>\n<li style=\"font-weight: 300;\" aria-level=\"1\"><span style=\"font-weight: 300;\">How Jorge\u2019s laid-back optimism turns into financial avoidance\u2014and leaves Fernanda carrying the full weight.<\/span><\/li>\n<li style=\"font-weight: 300;\" aria-level=\"1\"><span style=\"font-weight: 300;\">The $13,000 air purifier scam\u2014and what it reveals about their spending habits.<\/span><\/li>\n<li style=\"font-weight: 300;\" aria-level=\"1\"><span style=\"font-weight: 300;\">How Fernanda\u2019s history of homelessness and working from age 13 shaped her need for control.<\/span><\/li>\n<li style=\"font-weight: 300;\" aria-level=\"1\"><span style=\"font-weight: 300;\">Why Jorge, who didn\u2019t work until 25, still struggles to engage with financial decisions.<\/span><\/li>\n<li style=\"font-weight: 300;\" aria-level=\"1\"><span style=\"font-weight: 300;\">The emotional toll of raising three children, including one with lifelong special needs, while buried in $350,000 of debt.<\/span><\/li>\n<li style=\"font-weight: 300;\" aria-level=\"1\"><span style=\"font-weight: 300;\">What happens when Fernanda tries to share her complicated spreadsheets with Jorge\u2014and why it never works.<\/span><\/li>\n<li style=\"font-weight: 300;\" aria-level=\"1\"><span style=\"font-weight: 300;\">Ramit\u2019s challenge for Jorge to take concrete steps toward shared ownership of their finances.<\/span><\/li>\n<li style=\"font-weight: 300;\" aria-level=\"1\"><span style=\"font-weight: 300;\">Fernanda\u2019s vision of a stable, less exhausting life\u2014and the boundaries she\u2019ll need to set to get there.<\/span><\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"Chapters\"><\/span><b>Chapters:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 300;\">(00:00:00) <\/span><span style=\"font-weight: 300;\">\u201cIf nothing changes, I\u2019ll end up in the hospital\u201d<\/span><\/p>\n<p><span style=\"font-weight: 300;\">(00:19:41) <\/span><span style=\"font-weight: 300;\">\u00a0<\/span><span style=\"font-weight: 300;\">\u201cIt feels like impending doom\u201d<\/span><\/p>\n<p><span style=\"font-weight: 300;\">(00:24:18) <\/span><span style=\"font-weight: 300;\">\u00a0<\/span><span style=\"font-weight: 300;\">\u201cIt pisses me off that money could break us\u201d<\/span><\/p>\n<p><span style=\"font-weight: 300;\">(00:37:32) <\/span><span style=\"font-weight: 300;\">\u00a0<\/span><span style=\"font-weight: 300;\">Ramit breaks down their numbers<\/span><\/p>\n<p><span style=\"font-weight: 300;\">(00:58:08) <\/span><span style=\"font-weight: 300;\">\u00a0<\/span><span style=\"font-weight: 300;\">\u201cIt\u2019s a joke in the family that I have four kids\u201d<\/span><\/p>\n<p><span style=\"font-weight: 300;\">(01:15:59)<\/span> <span style=\"font-weight: 300;\">\u201cI want a partner, not just a paycheck\u201d<\/span><\/p>\n<p><span style=\"font-weight: 300;\">(01:20:40) <\/span><span style=\"font-weight: 300;\">\u00a0<\/span><span style=\"font-weight: 300;\">Red alert: only $311 in savings<\/span><\/p>\n<p><span style=\"font-weight: 300;\">(01:35:29)\u00a0 Where are they now? Fernie and Jorge\u2019s follow-ups<\/span><\/p>\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;\">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 #sponsored\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 300;\">Wildgrain | Get $30 off your first box\u2014PLUS free croissants in every box at <\/span><strong>https:\/\/wildgrain.com\/ramit<\/strong><span style=\"font-weight: 300;\">.<\/span><\/p>\n<p><span style=\"font-weight: 300;\">Trust &amp; Will | Protect what matters most in minutes at <\/span><strong>https:\/\/trustandwill.com\/ramit<\/strong><span style=\"font-weight: 300;\"> and get 10% off plus free shipping.<\/span><\/p>\n<p><span style=\"font-weight: 300;\">Upwork | Visit <\/span><strong>https:\/\/upwork.com<\/strong><span style=\"font-weight: 300;\"> to post your job for free and connect with top talent ready to help your business grow.<\/span><\/p>\n<p><span style=\"font-weight: 300;\">Gelt | Book a tax consultation with Gelt at <\/span><strong>https:\/\/joingelt.com\/ramit<\/strong><span style=\"font-weight: 300;\">. As a member of my community, you can skip the waitlist.<\/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;\">Get my Free Money Made Easy Mini Course at <\/span><strong>https:\/\/iwt.com\/moneypod<\/strong><\/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>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0It&#8217;s a joke in the family too that I have four kids instead of three. It&#8217;s pretty apparent.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:00:05)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I don&#8217;t know why I&#8217;m not engaged with money.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:00:07)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I don&#8217;t want people to see him as my child. I don&#8217;t want that disrespect.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:00:13)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0In my mind it is working, but in my heart, I know it&#8217;s not.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:00:15)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Do you understand that I will stay on this call for five years before I speak and make it easier for you? You are leading this, not me.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:00:27)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I try sometimes, but yeah, it always backfire.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:00:30)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0It (Bleep) me off because our relationship is so great, but because he acts more like my kid instead of my partner, and that (Bleep) me off that finances or that money would break our marriage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(Narration)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:00:47)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Today is one of the most difficult conversations that I&#8217;ve had on this podcast, and I\u00a0want to\u00a0apologize in advance for losing my temper a couple of times. I always\u00a0want to\u00a0make this a welcoming conversation, even if I disagree with some of the things that my guests say. So I&#8217;m\u00a0going to\u00a0ask you to be respectful in the comments.\u00a0Remember that it takes a lot of courage to come on this show.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:01:09)\u00a0Today I&#8217;m speaking with Fernie and\u00a0Jorge. They&#8217;re 44 and 48 years old, married for 25 years, and every month they spend more than they make.\u00a0Fernie applied because as the sole person who manages their day-to-day finances, she feels like she&#8217;s failing their three children, one of whom has special needs.\u00a0She&#8217;s desperate to get\u00a0Jorge\u00a0to help her manage the money, but nothing seems to work. He just won&#8217;t do it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:01:37)\u00a0I&#8217;m looking at their conscious spending plan right now, which breaks down their net worth, income, and where they spend their money.\u00a0You can download and create your own conscious spending plan or CSP at iwt.com\/csp.\u00a0Assets,\u00a0331,000.\u00a0Investments, 12,000.\u00a0Savings,\u00a0$311. That&#8217;s a huge red flag. Debt, $313,000. Total net worth is 31,000, and their gross monthly income is $10,000. By the way, their fixed costs are at 95%, which is completely unsustainable.\u00a0Let&#8217;s get into today&#8217;s conversation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(Interview)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:02:21)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Fernie, I understand that you and Jorge are raising three children, and one has special needs, and money has been a big concern for you. If nothing changes from the situation you are in today, what will happen?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:02:40)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I will end up in a hospital<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:02:44)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Why is that?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:02:44)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Because I constantly worry. I don&#8217;t sleep. I overwork myself, and I&#8217;ve even been told by my medical doctor to put attention to it. There&#8217;s no way physically, mentally, anything possible to keep going the same way I&#8217;m going. And it just terrifies me of where my son will end up if we don&#8217;t wake up.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:03:21)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Why is that?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:03:21)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Because he&#8217;s never going to be able to provide for him himself. He&#8217;s never going to be able to live on his own. He&#8217;s just not capable. He&#8217;s always going to be under our care.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:03:36)\u00a0And it just dawned on me when he turned 18 that he&#8217;s not going to be one to move away. And if we don&#8217;t do something about it, if we don&#8217;t look out for his future, he&#8217;s going to end up God knows where. And that brings me a lot of guilt.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:04:02)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Jorge, what does it feel like hearing this?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:04:08)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0So I feel the same way she&#8217;s feeling right now. I feel like I need her and give her a hug and say, &#8222;I&#8217;m with you. I understand.&#8221; That&#8217;s how I feel right now.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:04:25)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. And do you share the concerns she has about your son?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:04:32)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yes, to a certain point, because I&#8217;m more optimistic. I&#8217;m very, everything&#8217;s going to be great. Things are not going to go wrong. He is going to have a great life. We&#8217;re going to do great things. I&#8217;m positive. I don&#8217;t see her concerns because I feel like we are going to do the right thing for him.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:05:05)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Hmm. Has this caused conflict between the two of you, Jorge, being what you describe as optimistic and Fernie taking on so much burden and stress that it causes you physical maladies? Fernie says yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:05:27)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:05:27)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0And how long has this been going on for? I&#8217;m going to guess the entire relationship.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:05:31)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0No.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:05:33)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:05:35)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Well, that&#8217;s interesting. Fernie said yes, and Jorge said no.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:05:40)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Because he&#8217;s optimistic.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:05:43)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Go ahead, Jorge.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:05:44)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yes. I don&#8217;t feel like being like this our entire relationship. We&#8217;ve been married for 25 years. The beginning, we were young. We didn&#8217;t have responsibilities as we have right now. And definitely things changed. So I feel like it has changed throughout, but not since the beginning.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:06:10)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Hmm. Fernie, you mentioned that your son has special needs. Would you be comfortable sharing whatever feels okay with you?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:06:22)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0So he was born premature. He was born at 23 weeks, so he spent about six months in the NICU, and with that came a severe brain bleed that caused him to have cerebral palsy. He has cerebral palsy. He has epilepsy. So even though he&#8217;s 18, he&#8217;s like a little kid. He&#8217;s not able to walk unassisted. He&#8217;s in a wheelchair. He has a lot of medical appointments and stuff.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:06:54)\u00a0But considering they had told us he was going to be in a vegetative state for the rest of his life, he&#8217;s not. He&#8217;s bilingual, so he speaks English and Spanish. He&#8217;s doing good, considering what they had told us, but still, he&#8217;s very limited.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:07:17)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I see. Okay. Thank you for letting me know that. I did not know that. Can you share how your son has affected your finances together?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:07:29)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Oh boy. He&#8217;s the reason why I went back to school. So we were carefree. Like he said, we got married very young. Once he was born and I saw everything that it took for him to be in the hospital and all the bills, I started seeing the financial strain that it was going to cause and that we weren&#8217;t going to be able to make it on just minimum wage to meet his needs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:08:02)\u00a0So that&#8217;s when I stared to wake up and&#8211; I didn&#8217;t even have high school, so I had to go back, get my GED, and I got the bachelor&#8217;s, master&#8217;s, and started to find a way to provide a better future for him.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:08:23)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Wow. Well done. That&#8217;s an incredibly tough situation, and to have gone and gotten your high school degree and then on and on in advanced degrees is very impressive. You said in your application that, &#8222;If something happened to you, Jorge wouldn&#8217;t know what to do.&#8221; Can you give me an example of that?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:08:49)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0He has no idea where all my information of all the bills that I pay, of all our finances. I know he says you should have more confidence in me, but he has absolutely no idea where if we have life insurances, if we have stocks, if we have investments, the 401(k)s, the logins, anything. He doesn&#8217;t know.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:09:16)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. Jorge, what would you say your level of awareness around the family finances is?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:09:22)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0She&#8217;s right. I am not informed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:09:27)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Why is that?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:09:30)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I feel like I&#8217;ll be able to find the information and get access to it if it&#8217;s needed, but I don&#8217;t feel like I need to get to that info at the moment. You know what I mean?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:09:43)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Are you not involved in the managing the family money?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:09:47)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0No.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:09:48)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. Do you care?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:09:51)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah, I do.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:09:54)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Why do you say it like that? You say like, &#8222;Yeah, of course I care.&#8221; But you&#8217;re not involved at all. How come?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:10:00)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I go to work. I try to make the best of bringing money in, and I know what it needs to get paid. We get together, and we do&#8211;, so I guess my way of trying to care is like, go and work. Go make the money. Go bring it in. And that&#8217;s how I see it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:10:26)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Have the two of you had this conversation and agreed on each of your roles with money?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:10:33)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0It just landed this way.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:10:37)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Mm-hmm. How would you describe it, Fernie, the roles that each of you has with money?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:10:42)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I don&#8217;t know how to say it without being hurtful. And that&#8217;s where I have trouble, because I don&#8217;t want to be hurtful. I don&#8217;t want to say the wrong things, and I have trouble trying to find the right words to say it. Not that he doesn&#8217;t care, but he&#8217;s, I guess, too optimistic to, like I said before, it&#8217;ll work out.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:11:04)\u00a0We will find a way. But that&#8217;s because it&#8217;s always me on background figuring out the way, finding the way, looking at moving things around to make it work. And it just makes me very upset because it doesn&#8217;t feel like he&#8217;s taking it seriously.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:11:22)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0When was the last time this happened?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:11:24)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0A week ago.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:11:26)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0A week ago.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:11:26)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. Do you remember where you were exactly?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:11:29)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0In the living room.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:11:31)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. What was happening? Can we recreate the situation? Whoever began that conversation, go ahead and do the same thing right now. I&#8217;ll just listen in.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:11:40)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0So I was looking at the budget, and we&#8217;re going to have to make $500 this week to be able to make the payments and be able to ahead. We are probably not going to make it till payday, so we&#8217;re going to have to put it money in before then. I want to sit down with you so we can take a look and try to figure out how we can plan it in the next couple of months to make it easier for me.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:12:17)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0And I was like, well, then I need to start going. I need to go to work. Let me just go log in and start making money to stop me. No, you need to sit down. We need to talk about this. And I&#8217;m like, &#8222;But I need to go. I can&#8217;t stop and chitchat.&#8221; I feel like I need to go.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:12:41)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0And then what happened?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:12:42)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I got frustrated, angry. I closed my laptop, and I just went upstairs to start crunching numbers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:12:54)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Mm-hmm. Okay. Thank you. That was very helpful. So Fernie, you&#8217;re going after him, almost beseeching him. Here&#8217;s the numbers. Here&#8217;s the spreadsheet. Here&#8217;s the budget. And Jorge, you&#8217;re going like, closing down. Okay. I see that. And at this moment, what does each of you want at that very moment? Fernie?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:13:20)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Partner support.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:13:22)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Thank you. And Jorge, what do you want at that very moment?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:13:27)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I want to make the call. I want to get the number she said. I want to make it happen. That&#8217;s what I&#8211;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:13:35)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0What does Fernie want in this very moment? She just told us.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:13:40)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0She wants me to work together.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:13:45)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Yes. And what do you think she wants?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:13:48)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0She wants me to make it happen.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:13:51)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Look at her face. What is she doing right now?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:13:53)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0She&#8217;s saying no.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:13:54)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0What does she really want?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:13:56)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I don&#8217;t know.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:13:58)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Ask her.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:13:59)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0What do you really want?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:14:02)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I want you to actually sit down, listen, support me, not run. Because the first thing you want to do is run. And that&#8217;s not going to solve anything. Because what if I am wrong? What if I did things wrong and I&#8217;m not seeing it because I am so blinded by being so deep in it?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:14:24)\u00a0So I would like for you to slow down, sit down, look things over with me, and figure out a way to move forward without me having to figure out everything for us and just say, here&#8217;s what you need to do. Because that&#8217;s not my job.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:14:45)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Jorge.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:14:46)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. I&#8217;m willing to do that. I want to do that, definitely. I want to slow down then.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:14:54)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Fernie said that she wanted connection. She wanted you to slow down and to talk with her, to listen. Looking now at you and that conversation, what did you really want at that very moment?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:15:09)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0To really listen.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:15:10)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0No, you didn&#8217;t. You didn&#8217;t want to listen. You didn&#8217;t listen. What did you actually want?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:15:19)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I don&#8217;t know.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:15:20)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0You wanted it to be over.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:15:22)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Kind of, yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:15:23)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0You wanted it to be over. You wanted the conversation to end. You wanted to run out the door so you could start earning money, and that&#8217;s exactly what happened. She closed her laptop, and then you got that feeling of relief. Correct me if I&#8217;m wrong. What do you think?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:15:38)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yes, yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:15:41)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0How come you didn&#8217;t say that? I&#8217;m curious.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:15:43)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Maybe I don&#8217;t see it. I don&#8217;t see it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:15:46)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Tell me more.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:15:48)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. To me, I was like, I believe that she got the numbers. I&#8217;m very confident on what she&#8217;s saying to me. So to me it is like, this is what needs to be done. Go do it. I guess I am leaving a lot of the weight on to her.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:16:11)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Hmm.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:16:12)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0That&#8217;s what it is.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(Narration)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:16:12)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Right away, you could see what&#8217;s happening here.\u00a0Jorge\u00a0is not involved in the family finances. He doesn&#8217;t track the accounts.\u00a0He doesn&#8217;t know the logins. He doesn&#8217;t even know how much money they have. But the deeper issue is that he doesn&#8217;t think this is a problem.\u00a0To him,\u00a0bringing in income is enough. Basically, it&#8217;s, I go to work.\u00a0That&#8217;s my role.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:16:34)\u00a0But the moment that\u00a0Fernie\u00a0asks him to sit down and look at the numbers, did you catch what he does?\u00a0He runs.\u00a0He says,\u00a0&#8222;I need to go to work.&#8221;\u00a0This is essentially a way of escaping, and we could talk about all the layers beneath this, the layers of identity and gender and culture.\u00a0But the bottom line is he avoids money,\u00a0and what&#8217;s worse,\u00a0he thinks that saying, I need to go to work is actually helpful.\u00a0But Fernie isn&#8217;t asking him to go to work.\u00a0She&#8217;s asking him to make a plan together.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:17:08)\u00a0Fernie is not particularly skilled at managing their finances. She uses a massive spreadsheet with multiple tabs, hundreds of columns. She actually showed it to me. Most of the numbers were in red, and even looking at it, I felt overwhelmed. Listen now as I press her on this spreadsheet that she obsesses over every single day.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(Interview)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:17:32)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Fernie, you mentioned this spreadsheet that you showed to Jorge.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:17:36)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:17:37)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0If I can guess, Fernie, you work on this a lot, every month. How many hours do you put into this per month?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:17:48)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I work on it every day.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:17:49)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Mm-hmm. How long?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:17:52)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Two, three hours, at least.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:17:54)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Three hours a day on that spreadsheet?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:17:57)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:17:57)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yes. Because I have to keep moving numbers from the months that are coming because something happened. So then I have to adjust everything.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:18:08)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Fernie, can I ask you a difficult question? Why do you do it?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:18:13)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I think it&#8217;s a comfort at this point. It&#8217;s like a comfort scene and trying to see when it&#8217;s going to be over, but it never is.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:18:26)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0When you open up your computer every day and you look at the numbers, what do you feel?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:18:33)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Red.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:18:34)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Mm-hmm. Does that feeling change before you see the numbers, right in the morning when you&#8217;re opening that laptop?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:18:41)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0It&#8217;s like a pending doom.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:18:43)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Mm-hmm.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:18:44)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0It just feels like a pending doom, and I want that doom to be over. And I try to move numbers around to make me feel better, to make me feel like there&#8217;s going to be an end. And if I do this, we&#8217;re going to get to the end of it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:19:00)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0When do you feel good about your money?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:19:02)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0The only time I feel good is when I&#8217;m able to provide for what my kids need and I get them something that they need. Other than that, money, at this point right now, is just a curse and anxiety.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:19:21)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Hmm. I hate hearing that. I&#8217;m so glad we get a chance to talk, because even if you&#8217;re in debt, or even if there are all these circumstances, I still want people to feel in control of their money. You can have a bad situation and still be in control because at least you have a plan. I don&#8217;t see a plan right now. What I see is treading water. And if I stop moving my arms around and kicking my legs, we are going to sink. Fernie is nodding. Jorge is nodding as well.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:20:01)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Absolutely right.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:20:02)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Jorge, what do you think from everything you just heard Fernie describe?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:20:06)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I feel the same way. Actually, I feel like every time we see our plan and it&#8217;s not changing, it could go pretty bad. And that&#8217;s why we need to be not on red numbers. We need to be off red number.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:20:29)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. Would you say that you are truly engaged, or are you a spectator?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:20:36)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0A little bit about both.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:20:39)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. Tell me about both. Tell me about the engaged part.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:20:43)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Engaged because I want to work towards our goal, and I&#8217;m looking for what is it that we need for this week. And the part of me being the spectator is that I let her do all the work.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:21:05)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Why is it hard for you to get engaged with the finances in general?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:21:09)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I feel like I can&#8217;t do it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:21:13)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Mm-hmm.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:21:14)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Like she&#8217;s more capable.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:21:15)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0We had to go the think tank. It was that bad.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:21:17)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Fernie, how come you&#8217;re answering for Jorge?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:21:20)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I do it unconsciously.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:21:22)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Mm-hmm. He doesn&#8217;t deal with the money, so you deal with the money. He doesn&#8217;t want to talk about the spreadsheet, you close the laptop and go away, which is what he wants. He&#8217;s trying to answer my question. I think he&#8217;s doing a pretty good job. You jump in and answer for him.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:21:41)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yes. Sorry about that. I&#8217;m sorry I interrupted you. I tend to do that a lot. I&#8217;m sorry.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:21:47)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Do you both know why this dynamic happens?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:21:50)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0There&#8217;s a lot of tension around finances. I get very tense. I get very anxious. I get very triggered.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:21:57)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0What have you done to break out of this pattern? I&#8217;m curious.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:22:00)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I work more.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:22:02)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0So you&#8217;re like, if I work harder, if I plug in more numbers, maybe I can find a way to get us out of this. If I spend three hours, not two, I&#8217;ll figure out how to stay ahead of the impending doom. Jorge, is it the same for you? Like, I&#8217;m going to work. I&#8217;m going to work. I&#8217;m going to make more money. Bring that money<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:22:23)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yes. That&#8217;s the way I&#8217;m making more money. And then we&#8217;re doing extra work outside of regular jobs. So yeah that&#8217;s our mindset right now.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:22:36)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Mm-hmm. One of the things I asked you to do before we spoke was to create a conscious spending plan together and to put your numbers in there. Were you able to do that?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:22:47)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:22:48)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Wow. Deep breath from Fernie. Fernie, why do you take that deep breath that came from the diaphragm? What is that?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:22:57)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Because I put him to sleep. He was asleep. He was falling asleep, and he had no idea. It&#8217;s the same dynamic where I was asking him things and he was just answering, but not because he wanted to be engaged, not because he wanted to answer. It&#8217;s something he had to do.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:23:14)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Jorge, is that true?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:23:17)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah, it is true.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:23:18)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. Help me understand that. You&#8217;re coming on show. You know that you&#8217;re going to talk to me. What&#8217;s going through your mind when you talk about the CSP?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:23:28)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Because I believe so much that she doing better than&#8211; I&#8217;m not going to be able to handle how she handles it, how good she does what she does. I&#8217;m not at that level. You know what I mean? So, of course, I give it all to her, and I give her the responsibility, but I guess it&#8217;s because I feel like I&#8217;m not good enough to do it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:23:57)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Jorge,\u00a0in the book that I just wrote,\u00a0Money for\u00a0Couples, there&#8217;s a money type called the avoider. They avoid money at all costs. They avoid talking about it. They avoid dealing with it. They avoid it.\u00a0And one of the techniques that they use is they tell their partner, &#8222;Babe, you&#8217;re better at this than I am. I trust you. Me, I&#8217;ll just mess it up. But you, you&#8217;re so much better. You&#8217;re good. You&#8217;ve got it handled.&#8221; Does that sound familiar to what you do with Fernie?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:24:35)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. To the T.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:24:38)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. Avoiders also do things like, avoid when their partner tries to show them something, they&#8217;ll look at it, &#8222;Oh, okay. Yeah, that&#8217;s fine. Looks fine.&#8221; They won&#8217;t actually engage with it. That&#8217;s why when I asked you, when was the last time you disagreed with a number, you said never.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:24:57)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I know.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:24:59)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Until their partner closes the laptop and goes upstairs. And the avoider gets to say, &#8222;Perfect. I just bought myself another couple of days of avoiding money. Does this sound familiar?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:25:12)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:25:13)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Is this working for you, Jorge?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:25:16)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Obviously not. And then I don&#8217;t want this to continue.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:25:19)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Hold on. It&#8217;s not obvious to me because right now it seems like financially speaking, it&#8217;s okay for you. You go to work, you do your work, you come home, and then that&#8217;s it. Everything&#8217;s handled. Finances are fine as far as you&#8217;re concerned. It will be fine. We&#8217;ll pull through. We always have. So it&#8217;s not obvious that it&#8217;s not working. To me, it actually seems like it&#8217;s working pretty well for you, financially speaking.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:25:45)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:25:46)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0So which is it? Is it working or is it not working?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:25:48)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0In my mind, yeah, it is. It is working. But in my heart, I know it&#8217;s not.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:25:55)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Mm-hmm. Fernie, what&#8217;s your reaction hearing that?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:25:59)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Story of my life, I guess. It&#8217;s very comfortable for him, and I&#8217;ve made it easy for him. And it was a lot easier when it was just three of us, but we multiplied into five. And it&#8217;s becoming a bigger burden, and it&#8217;s taking a toll on my health, and that&#8217;s what I&#8217;m concerned about. And I tell them like, &#8222;You have to take care of what&#8217;s taking care of you, and you seem to be neglecting that.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:26:29)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0How many times do you think you&#8217;ve said that?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:26:32)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0We&#8217;ve been to counseling because I&#8217;ve had nervous breakdowns. It&#8217;s been so bad.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:26:38)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I&#8217;m sorry to hear that. I&#8217;m glad that you&#8217;re in counseling. Are you still in it?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:26:42)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0No, because I was getting nowhere with that.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:26:47)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Ah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:26:48)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Couples counseling, it was pointless.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:26:53)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0How long did you go for?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:26:55)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Two months.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:26:56)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Two months? That&#8217;s it?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:26:58)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0He started great. He started doing the work, and then he got comfortable and stopped. Stopped trying to go and figure things out and get involved. It went back to, well, you do a great job, so keep chugging along.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:27:17)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0When he dropped that ball, when Jorge said, &#8222;You&#8217;re doing great,&#8221; whether it&#8217;s with the finances or the work that you were doing in therapy, in what ways did you pick that ball back up?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:27:31)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I have no choice. Well, I do have a choice, but it makes me more upset that finances or that money would break our marriage. It (Bleep) me off. Because our relationship is so great, but because he acts more like my kid instead of my partner, it&#8217;s tearing our marriage and, that (Bleep) me off, and I think, no, I&#8217;m not going to let stupid money ruin us, and I try to pick the ball up because I don&#8217;t want it to ruin us.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:28:07)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Hold on. I love that energy you just brought. That was the first time I heard you get truly engaged. It (Bleep) me off. Good. I like hearing that. Somebody (Bleep) off might be willing to make a change. And then I was with you. It (Bleep) me off that money is going to be the thing to drive us apart. Okay, I&#8217;m with you. And then at the very last minute you, you veered left. So then I pick up the ball and take it all on back on myself because&#8211;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:28:36)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:28:37)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Can we just do that again? It (Bleep) me off. And then this time, turn right instead of left. What would right be?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:28:42)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I want for this to (Bleep) him off too to the point where he sees that it could break our marriage and that something like that shouldn&#8217;t break our marriage. It&#8217;s stupid. We&#8217;ve been through so much.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:28:58)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:28:58)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0And for finances to be our doom, it&#8217;s ridiculous.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:29:04)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Can I ask you? Now I&#8217;m getting curious, why does money really (Bleep) you off? When you think of money, what comes to mind? Is it that spreadsheet that comes to your mind when you think of money?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:29:19)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0When I think of money, to my mind, it comes in too, it could either bring safety, peace, tension, hardships.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:29:33)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Mm-hmm. I want to take a look at the CSP. So from my understanding, Fernie, you brought up the fact that you needed to do the CSP, correct?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:29:43)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Correct.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:29:44)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0And then you brought it to Jorge. And Jorge, you were not particularly interested. Is that a fair assessment? Okay. Who did the work to put the CSP together?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:29:56)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I did.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:29:57)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. Any collaboration?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:30:00)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I asked him.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:30:01)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0You asked him what?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:30:04)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0The questions. If I needed a number, like, &#8222;Hey, can you look it up?&#8221; Stuff like that.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:30:11)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Are we ready to play ball here, or are we operating like there&#8217;s a two-year-old in the room? Because I don&#8217;t see a two-year-old in this room.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:30:20)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0No.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:30:21)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I want him to feel engaged. I guess it&#8217;s not very exciting, but I want him to want the same things I want, and I know he does, but I don&#8217;t want to feel like I&#8217;m talking to a wall.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:30:37)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I see that now.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:30:38)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Jorge, I think you&#8217;re giving me the answers you think I want to hear.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:30:42)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0No, no, no.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:30:43)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I think you&#8217;re doing the same thing you do with Fernie. Fernie&#8217;s nodding her head. You&#8217;re avoiding, and inside, deep down, you&#8217;re like, &#8222;I want this\u00a0(Bleep)\u00a0conversation to be over as quickly as possible. I want Ramit to shut his laptop so this can end and I can buy five more days of not talking about money.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:31:00)\u00a0And so you are giving me every answer you think that I want to hear. Jorge, I don&#8217;t need you to answer what I want to hear. I&#8217;m here to help you. But I can&#8217;t help you and you, Fernie, unless you are both honest with me. Jorge, do you see that happening here?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:31:16)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:31:18)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I&#8217;m not going to fix you. You are going to fix your situation, not me.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:31:25)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(Narration)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:31:26)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0At this point, I&#8217;m starting to get frustrated. I&#8217;ve tried being patient.\u00a0I&#8217;ve tried listening. I&#8217;ve tried asking questions in different ways, but\u00a0Jorge\u00a0keeps doing the same thing. He&#8217;s telling me what he thinks I want to hear. He&#8217;s saying,\u00a0&#8222;I care. I&#8217;m trying. She&#8217;s just better at it than me.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:31:42)\u00a0Honestly, I don&#8217;t mind someone not knowing the details of personal finance.\u00a0I don&#8217;t even mind people who come on this show having never read my book. That&#8217;s most people in America. I don&#8217;t mind it.\u00a0But the lack of interest is really starting to irritate me.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:31:55)\u00a0Your wife is overwhelmed. She&#8217;s telling you this is a 10 out of 10 problem,\u00a0and you&#8217;re just here repeating tired, old phrases.\u00a0If you are watching this and you&#8217;ve been in this situation, it can feel maddening. I put together a free mini course to give you the tools to change this dynamic.\u00a0It&#8217;s called Money Made Easy, and you can download it at iwt.com\/moneypod.\u00a0The challenge with\u00a0Jorge\u00a0now is getting him to actually engage, so I&#8217;m\u00a0going to\u00a0shift tactics.\u00a0Let&#8217;s see what happens when I shift the burden onto him.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(Interview)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:32:29)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0So what I&#8217;m going to do is I&#8217;m going to\u00a0pop this CSP up on screen,\u00a0and I&#8217;m actually\u00a0going to\u00a0turn it over to the two of you. I would like to hear the two of you diagnosing your conscious spending plan,\u00a0almost as if you are floating above, it and looking at it as if it was someone else&#8217;s.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:32:49)\u00a0I&#8217;m going to leave it to you to diagnose your own CSP because this is different than lying back with your hands above your head, saying, &#8222;Fix me.&#8221; This is actually the two of you working together. And I&#8217;m going to ask Jorge to take the lead on this, not Fernie. Here we go. Go ahead.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:33:06)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Okay, so assets, that&#8217;s the amount that we have current in value.\u00a0So\u00a0we have $331,000.\u00a0Investments,\u00a0we have 12,736.\u00a0Savings,\u00a0we have $311. In debt, we&#8217;re 313,000,\u00a0so total network is only\u00a0$31,047.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:33:36)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0$31,047 for total net worth. Okay. Before we continue, well done, Jorge. What is your analysis of those numbers? What do you think?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:33:45)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0We need to save more.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:33:47)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Got to go deeper than that.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:33:48)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Definitely we need to remove that debt so those asset can be positive money.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:33:55)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Do you understand that I will stay on this call for five years before I speak and make it easier for you? You are leading this, not me. Keep it moving.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:34:05)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Okay, okay. So we need to increase on saving. We need to work on investment. We definitely need to have that debt off our backs so we can have the assets to be positive. And our monthly gross income right now, it is not helping. We need to make more money, that monthly income. Yeah. That&#8217;s what we need to do to be able to fix this.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:34:39)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0What do you understand about these numbers?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:34:41)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Not a lot, to tell you the truth.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:34:44)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0It&#8217;s pretty evident. You were essentially reading off what was on the screen.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:34:48)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Mm-hmm.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:34:49)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0What I&#8217;m looking for is what does it mean? What does it mean, the fact that you have three kids and you have $311 in savings? What does that mean?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:35:02)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0It&#8217;s not enough.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:35:04)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. It&#8217;s not enough. What does it mean? What if one of you gets sick?\u00a0Hold on, let&#8217;s pause. Fernie, I noticed you suddenly started crying. Fernie, you\u00a0want to\u00a0take a break?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:35:14)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Sorry. It&#8217;s because this is hard. This is what I&#8217;ve been trying to make him see,\u00a0that it&#8217;s not okay.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:35:22)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. I&#8217;m\u00a0going to\u00a0help, but I&#8217;m curious what is going on with you that caused you to suddenly start crying?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:35:31)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0We\u00a0only have $300 in savings that doesn&#8217;t even cover food for a day. It&#8217;s insane. It&#8217;s hard. It&#8217;s just hard. And it&#8217;s been hard for a while,\u00a0and it&#8217;s been very heavy on my shoulders.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:35:49)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah, I can see that. I can see it&#8217;s overwhelming.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:35:52)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0It is.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:35:53)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Will you trust me to try to help get you at least both towards a closer, similar page?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:36:02)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Oh, yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:36:03)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay.\u00a0Jorge, what do you notice about Fernie&#8217;s reaction there?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:36:07)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I should scare.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:36:08)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Why?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:36:08)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Because we&#8217;re in trouble. We don&#8217;t have enough money. We have no positive money to work with.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:36:18)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Mm-hmm. And your lack of engagement with the conscious spending plan, how do you think that affects her?\u00a0Your wife is crying. She&#8217;s sick. And it doesn&#8217;t seem like you&#8217;ve made any changes. Can you explain that? Why?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:36:39)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I don&#8217;t know what you mean that I haven&#8217;t&#8211;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:36:42)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I mean you didn&#8217;t do the CSP. You don&#8217;t even know what these numbers mean.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:36:47)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:36:48)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0This is the bare minimum. There&#8217;s 20 numbers on this page. They&#8217;re very easy. You didn&#8217;t do even that. Why? I&#8217;m not trying to blame you. I&#8217;m trying to understand.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:37:00)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I don&#8217;t know why. I don&#8217;t know why I&#8217;m not engaged with money.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:37:05)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0What&#8217;s the worst that&#8217;s going to happen?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:37:07)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I don&#8217;t want to leave it all up to her.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:37:09)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0But you&#8217;ve been doing that for the last 24 years.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:37:12)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Because I trust her.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:37:14)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0She doesn&#8217;t want to do it herself. She can&#8217;t do it herself.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:37:19)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Okay.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:37:20)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Fernie, I&#8217;m going to speak to you directly. What are you noticing going on here?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:37:24)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0He&#8217;s doing what he always usually does. Ignorance is bliss. If I don&#8217;t speak about it, if I don&#8217;t engage in it, it&#8217;ll eventually go away and everything will be how it usually is. And I take some blame in it because I should have pressured more. Maybe I should have been more outspoken and not let it get to this point. But it was easier for me to just do it than to wait for him to realize it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:38:01)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0And now? You took that pressure off 20 years ago. You took it all on yourself. And now, what is the effect of that?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:38:09)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. Now I&#8217;m sending myself to the grave. I&#8217;m like burning the candle at both ends and dowsing it with a lighter fluid.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:38:19)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Do you want a change?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:38:22)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I do.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:38:23)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Do you want to change?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:38:26)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I do.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:38:28)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I know you want him to change, but I&#8217;m not asking about that. I&#8217;m asking do you want to change?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:38:34)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I do. I do. It&#8217;s not healthy for me to not change.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:38:38)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0What changes are you willing to make?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:38:40)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Any changes that I need to make to make it better.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:38:44)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Anything?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:38:46)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Anything.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:38:47)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Really?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:38:48)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:38:49)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0These are the greatest words I ever hear on this podcast. Somebody who comes and says, &#8222;I&#8217;m willing to change. I&#8217;m willing to do anything if it&#8217;s going to help get what I want.&#8221; Is that what you&#8217;re telling me?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:39:03)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:39:04)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. I&#8217;ll play ball with that. I love that. If you are telling me you are willing to make any changes in order to have your partner potentially be more engaged with you, I&#8217;m down with that. Jorge, I&#8217;m worried actually about asking you this question because I think you&#8217;re just going tell me you&#8217;re willing to change everything, but you don&#8217;t even know why you would make a change.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:39:28)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yes, I know. I want my wife to be happy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:39:31)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0If you wanted your wife to be happy, you would&#8217;ve picked up the slack 20 years ago. She&#8217;s been talking about this for decades, so I don&#8217;t think that&#8217;s really that powerful of a reason for you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:39:43)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Okay.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:39:44)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0She&#8217;s unhappy. Look at her. She&#8217;s literally telling you. You can see it on her face. She&#8217;s saying, &#8222;I&#8217;m unhappy with the way things are.&#8221; Do you see that?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:39:51)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:39:52)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0She&#8217;s been that way for a while, right?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:39:54)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yes. She&#8217;s been like that.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:39:55)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0You haven&#8217;t done anything about it, right?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:39:58)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I try sometimes, but yeah, it always backfire.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:40:02)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Mm, I don&#8217;t think so. I don&#8217;t believe that story. I try sometimes, but it backfires, so I have to go back and just keep to myself. I don&#8217;t believe that.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:40:12)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Okay.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:40:13)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Do you?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:40:14)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I believe it. Yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:40:16)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Fernie?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:40:17)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0In his mind, he wants to believe that he&#8217;s trying and that he&#8217;s trying to make me happy, but he hears me. He doesn&#8217;t listen.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:40:29)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0What I&#8217;m hearing is that Fernie says she&#8217;s willing to make any changes. I&#8217;ll take you at face value. And Jorge, we&#8217;ll see. Let&#8217;s see what unfolds as we start to talk more about these numbers. So we know that you have $31,000 of net worth, which includes only $311 in savings.\u00a0Your income, your combined gross monthly income is $10,866 or $130,000 a year. Which of you knew that you make $130,000 a year? Fernie knew it. Jorge?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:41:06)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I knew that we were over a hundred, but not 130.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:41:10)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. That&#8217;s a no. That&#8217;s 50%. I&#8217;ll take it. I noticed that your take home pay is half of your gross income. Why is your net so low?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:41:23)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0We&#8217;re making sure that we leave enough for taxes because we are doing the side hustles, and we don&#8217;t want to end up paying a lot of taxes on that.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:41:34)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Mm-hmm. Let&#8217;s continue on.\u00a0Your fixed costs,\u00a095%. What do you think about that?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:41:42)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0A lot.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:41:43)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0It&#8217;s too high. You&#8217;re broke.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:41:46)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:41:47)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0This section alone indicates that you are spending more than you make. Right there. That&#8217;s the end of the ball game right there. Let&#8217;s just continue on to see the rest.\u00a0Investments are at 5%. It appears you&#8217;re doing $280 a month in post-tax. Are you doing any pre-tax stuff, like 401(k).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:42:06)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yes. Yes, we are.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:42:08)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Who&#8217;s 401(k)?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:42:10)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Both of us.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:42:12)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0How much are you putting in?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:42:14)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0We&#8217;re putting 5% each.\u200aWe&#8217;re putting very little.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:42:20)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a05%. Okay.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:42:21)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0And mine is actually different because the way my company is doing it is I&#8217;m paying towards my student loans, and they&#8217;re matching that in 401(k). That&#8217;s a great benefit that they have. So I&#8217;m really paying my student loans, but they&#8217;re matching that in 401(k).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:42:43)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0That&#8217;s cool. What&#8217;s it called? I never heard of that.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:42:46)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0They just started this last year, and it&#8217;s a student debt match.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:42:53)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Oh, that&#8217;s great. All right. I like that. So let&#8217;s just say, just so we get a number here&#8211; all right, so you are investing decent amount. We&#8217;re talking about 16%, etc., depending. Certainly over 10.\u00a0Savings are at 10%. You&#8217;re putting some money aside for vacations, putting some for gifts, and $100 a month for a long-term emergency fund. You just started that, right?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:43:23)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:43:24)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0One of the things that I love to be able to do is to help people get out of that pattern, where no matter how much you try to get ahead, something knocks you backwards. And there is a way. There is a light at the end of the tunnel. It often takes radically reconceptualizing your relationship with money. Means you need to look at it in a whole new way, which I hope that we get a chance to do.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:43:50)\u00a0Let&#8217;s go down now to everything else, or guilt-free spending. It says negative 11%. I don&#8217;t believe that number. That&#8217;s just what the CSP calculates. Y&#8217;all eat out.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:44:02)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Rarely, but we do.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:44:04)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Mm-hmm.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:44:05)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0When was the last time you ate out?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:44:07)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0A couple of days ago. We took the kids to Burger King.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:44:10)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. What about before that?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:44:12)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0We took them to McDonald&#8217;s.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:44:14)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0How long before that?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:44:15)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0A week before that.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:44:18)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay, so rarely is once a week?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:44:22)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:44:22)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:44:23)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Uh-huh, and that&#8217;s the kids. You take them once a week to eat out, or more?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:44:27)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yes. No, we try to at least once a week because we&#8217;re always working.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:44:34)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0What about for the two of you?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:44:36)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0No.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:44:36)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0No, we know.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:44:37)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0What else are you spending money on in terms of fun stuff?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:44:41)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I tend to buy a lot of stuff for the kids. Seriously,\u00a0(Bleep)\u00a0can&#8217;t walk with without the toys.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:44:49)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:44:50)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Because even the furniture that we&#8217;ve gotten, we go to the Facebook Marketplace. Whoever&#8217;s giving out like free furniture and stuff, we go get it. Because I rather buy my kids toys.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:45:01)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0And when you say you&#8217;d rather buy your kids toys, can you finish the sentence for me? I&#8217;d rather buy my kids toys&#8211;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:45:08)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Than buy myself a nice chair or buy myself nice furniture.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:45:13)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. But I will say that Jorge seems to be sitting on a very nice chair.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:45:21)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0That was given to us.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:45:23)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0It&#8217;s nice. What about that TV?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:45:25)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0That we bought on a Black Friday.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:45:27)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Mm-hmm.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:45:29)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0It was 150 bucks. I&#8217;m pretty proud of the 150 bucks. Well, I shouldn&#8217;t be proud, but I got a good deal.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:45:35)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Fernie, did you grow up religious?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:45:36)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0My parents were religious. My mother was religious.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:45:41)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I can tell. You&#8217;ve made a couple of comments about, I&#8217;m going to paraphrase, but I&#8217;m bad. I&#8217;m dumb. I know I shouldn&#8217;t have done that.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:45:54)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Catholic.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:45:55)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I will tell you, it hurts hearing people talk about themselves like that. I don&#8217;t love it. I don&#8217;t think you would ever talk about me like that. I would certainly never talk about you like that. And to know that sometimes we say these really painful things about ourselves, there&#8217;s usually something there.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:46:15)\u00a0And oftentimes it is certain types of religious backgrounds. Not all, but some. Certain types of parents. Not all, but some. And it can cause very long-lasting effects. Some of those effects I&#8217;m seeing when I look at the Amazon purchases and the home, and even the way you talk about yourself, even the way you wrote your application. I believe you called yourself dumb in the application. I don&#8217;t think you&#8217;re dumb, just so you know.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:46:46)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Me neither.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:46:48)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I was in a very abusive relationship for a long, long time that diminished me made me believe things that are not true.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:46:56)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Mm. I&#8217;m sorry. Now that I understand that, and looking at your CSP, I want to get some clarity on the debt. So your CSP indicates you have $313,000 of debt. Can you explain what comprises that debt, Fernie?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:47:16)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0It includes the home, and then we have consolidation loans, credit cards, and home repairs that we had to do.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:47:30)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Can you break it down for me? How much is the house?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:47:33)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0The house, we still owe 230,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:47:37)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. Consolidation?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:47:40)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0So the consolidations, we have 9,774, and we have the 20,000.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:47:47)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Mm-hmm.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:47:48)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0And then the home repairs was 4,205 and 8,891.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:47:58)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Credit card?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:48:00)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Credit cards, we have 7,685. And then we also have the freezer, which we still owe 3,000 on it, 3,397.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:48:10)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Mm-hmm.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:48:11)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Then, I don&#8217;t know what to call this. A salesperson came to the house and they sold us a bunch of air purifiers and all this stuff. We didn&#8217;t ask the price. We got a bill, and we still owed 13,000 on that.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:48:28)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0What the (Bleep)?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:48:31)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:48:31)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah, yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:48:33)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay, sorry. Let&#8217;s get the rest of the debt out.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:48:36)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:48:37)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0What else?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:48:38)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0We still owe 20,000 on our car.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:48:43)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:48:43)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Because we were negative on it. And then I have student loans. I still owe 34,000 of student loans.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:48:54)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0What else?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:48:55)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I have a medical bill still pending, and I owe 1,800 on that one.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:49:03)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Anything else?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:49:05)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0No. The rest is just everyday expenses stuff.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:49:10)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0What do you think about these numbers?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:49:12)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0It&#8217;s terrible. There&#8217;s some of them that hurt more than others.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:49:17)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Why?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:49:18)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Because I thought I knew better.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:49:20)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Mm-hmm.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:49:21)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yet I still made the mistake.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:49:24)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0The numbers you told me add up to 353,000, not 313,000. You undercounted by $40,000 of debt.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:49:33)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:49:34)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Fernie, you look defeated.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:49:36)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I feel defeated. I&#8217;ve been feeling defeated for a good amount of time because I thought I could do better, and I haven&#8217;t. And it&#8217;s painful. It&#8217;s not working, and I know that. But I don&#8217;t know how to fix it. Like I&#8217;ve said, I feel defeated, and I feel horrible because I obviously see and know that it&#8217;s not working what we&#8217;re doing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:50:09)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Sorry, what we are doing. I didn&#8217;t catch that. Who&#8217;s doing?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:50:15)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0What I&#8217;m doing, it&#8217;s not working<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:50:18)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0You find it difficult to say I.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:50:20)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Because I want to include him in everything.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:50:23)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Why?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:50:24)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0He&#8217;s my spouse. He&#8217;s my partner. He should be.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:50:30)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I live in a world of what is, not what should be. And when I see $353,000 of debt, just to be very blunt, we need to get real. You talked about, we finally woke up. We need to get real. You said that on your application, but I don&#8217;t hear anybody getting real with me right now. Fernie, you&#8217;re trying to include Jorge because you want to walk on eggshells and not make him uncomfortable.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:50:54)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:50:54)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I don&#8217;t think we move forward unless we can actually call out what is happening here. Would you like to try again?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:51:01)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0What I&#8217;m doing is not working. I need to change. I need to make sure that we&#8217;re on the same page, that we work together, and that we take this as seriously as it has to be taken. I was trying to not see the big elephant in the room and trying to ignore it, standing there on the corner.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:51:24)\u00a0Like, if I ignore it long enough in my mind, it&#8217;s not there. If I don&#8217;t look at it, it&#8217;s not going to appear. And I&#8217;m not helping us in any way by just trying to ignore it and thinking it&#8217;s going to work one of these times because it hasn&#8217;t.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:51:47)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0That&#8217;s real. I appreciate that.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(Narration)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:51:50)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I\u00a0want to\u00a0jump in quickly because it&#8217;s really easy to sit back and judge. You hear numbers like theirs, a couple that&#8217;s spending more than they earn. They have barely any savings. They&#8217;re buried in debt. You sit back and go,\u00a0&#8222;How could they let it get like this?&#8221;\u00a0You need to remember that most people have a very loose relationship with money.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:52:08)\u00a0In fact, most people use the amount in their checking account to determine how good they feel about their entire financial situation. That&#8217;s like me judging my health by the number of cucumbers in my fridge. And when you are overwhelmed financially and emotionally, you&#8217;re not acting logically.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:52:24)\u00a0It&#8217;s not like you&#8217;re sitting there carefully reading financial books and analyzing your debt-to-income ratio. You&#8217;re often reacting out of fear. That&#8217;s what we&#8217;re seeing here.\u00a0It&#8217;s chaos.\u00a0It&#8217;s exhausting. It&#8217;s waking up at 2:00 AM,\u00a0wondering how you&#8217;re\u00a0going to\u00a0pay the next bill. It&#8217;s creating a confusing spreadsheet that gives you the illusion of control even as you keep sinking.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:52:47)\u00a0Please remember, this is a family with three kids, including a boy with special needs. Their days are filled with doctor&#8217;s appointments and caregiving responsibilities. How would you react in this situation? I don&#8217;t know how I would react, but I bet my financial system would take a major hit.\u00a0So I have a lot of compassion for what they&#8217;re going through every single day.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:53:08)\u00a0If you know someone who&#8217;s in a particularly difficult season of their financial life, send them this episode. Maybe it can make them feel less alone.\u00a0But here,\u00a0right now,\u00a0we still need to change things. What is heartbreaking is noticing how Fernie has had to minimize her own needs just to keep things going, and that&#8217;s what we&#8217;re\u00a0going to\u00a0get into right after this.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(Interview)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:53:31)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Fernie, would you describe yourself as passive in life?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:53:36)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:53:37)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0You&#8217;re passive, right? Somebody gives you the wrong meal at a restaurant. You go, &#8222;That&#8217;s fine. It&#8217;s fine. I don&#8217;t want to cause trouble.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:53:42)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yes. I try to please people, and I even do that with friends and family. If they&#8217;re in need and I&#8217;m still in financial trouble, I will still give them whatever I need to for them to be okay.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:53:57)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Do you see how much that has cost you?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:54:02)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yes. And I&#8217;m in therapy for that because I&#8217;m trying to fix that. Because it was very hard for me to say no.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:54:10)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Good. Has money come up in those conversations?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:54:14)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0It has started to come up, yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:54:16)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Good, good, good. It&#8217;s all connected. The inability to say no, it shows up everywhere in all the clues I&#8217;m seeing. For example, people who have credit card debt, 100% of the time, they have an inability to say no to their kids. And guess what? You both have credit card debt. And when I look around the house, there&#8217;s over 100 toys right there. How does that people pleasing show up for the two of you?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:54:47)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Been hard for me. It&#8217;s very difficult for me to say no to anyone. It has been. It&#8217;s getting better.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:55:00)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I&#8217;m not talking about anyone. I&#8217;m talking about Jorge.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:55:03)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0To tell no to him?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:55:05)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Mm-hmm.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:55:06)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I don&#8217;t really ask too much for her to be pleasing me.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:55:10)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0But if he does say he wants something, I try to figure out how to get it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:55:14)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Would you be willing to change that relationship?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:55:17)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:55:19)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Would you be willing to say no to your kids?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:55:21)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:55:22)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. I appreciate that very firm answer. I know that can&#8217;t even be easy to say. I get that, and I acknowledge it. Because even, just like me, it&#8217;s part of your identity. I want to help people. I want to be there for&#8211; I want to take care of them. And to even conceptualize the idea of maybe saying no, of maybe not being helpful can almost be physically painful.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:55:52)\u00a0But I appreciate you saying no. I will say no. I can try to do that. That is powerful. Jorge, what do you remember about money as a kid? What do you remember your family saying about money when you were young?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:56:08)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0We didn&#8217;t have a bad perception of money. We weren&#8217;t well off, but we didn&#8217;t have any needs that needed to be met. Actually, one of the things that I&#8217;m ashamed of, my first job was when I was 25 years old.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:56:35)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Hmm. How&#8217;d that happen?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:56:37)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0My parents, they provide for me most of my life. Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:56:48)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0How do you think that that affects you today?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:56:51)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0It does affect me. And to this day, yeah&#8211;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:56:58)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0How?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:56:58)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0It&#8217;s not a good thing. We&#8217;re in the issue we&#8217;re in, and this issue that we&#8217;re in right now, not learning how to save, I didn&#8217;t see that with my parents. They had the money, they spend it. They never teach me how to save. And if I needed something, I would just call, then it would be in my account.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:57:26)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Is that similar to how it is today?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:57:28)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Kind of, yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:57:30)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0You don&#8217;t save, and if you need something, you ask Fernie, and she provides. Very much like your parents.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:57:39)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I work, but yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:57:41)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah, I agree. You work. But also, are you checking in the accounts yourself and deciding if you can afford or are you just asking her?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:57:50)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0No, I ask her.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:57:51)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Fernie, what are you noticing about this?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:57:53)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0The same pattern as he grew up.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:57:57)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Mm-hmm. What role do you play in this dynamic? You are the?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:58:01)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I&#8217;m the parent.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:58:02)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. We have the parent-child dynamic. And you even said that earlier. You said, &#8222;It&#8217;s effectively he&#8217;s a child when it comes to the finances.&#8221; The parent-child dynamic is really toxic for so many reasons. It&#8217;s toxic to intimacy. Nobody wants to be intimate with a partner who is seen as a child.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:58:25)\u00a0And also, it actually reinforces or concretizes these roles of parent-child. And the more and more time goes on, the more and more the adult partner who&#8217;s seen as a child becomes more dependent. Please, can you log into this account for me? I don&#8217;t even know where the password is. Please help me. I don&#8217;t know. And the other one becomes increasingly resentful and takes on the role of the parent.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:58:51)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:58:53)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah, that&#8217;s true. And it&#8217;s pretty noticeable because it&#8217;s a joke in the family too, that I have four kids instead of three.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:59:03)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Whoa. That&#8217;s&#8211;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:59:05)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0It&#8217;s pretty a parent.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:59:07)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Jorge, what do you think of that? I would be candidly devastated if that joke was being made about me.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:59:12)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Hmm. Well, I don&#8217;t think of anything. It doesn&#8217;t hurt me, if I don&#8217;t feel that way.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:59:20)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Why? What are they saying when they make that joke?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:59:23)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I don&#8217;t know. Because of the way they feel or the way they see how things are run in our family.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(00:59:33)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Hmm? When people joke that they are cheap, it&#8217;s never a joke. For example, couples will come on here. They&#8217;ll be like, &#8222;Oh, yeah, our friends actually call us cheap, cheapos.&#8221; Ha ha ha. I go, &#8222;You should take that deadly seriously.&#8221; Because for somebody to be called cheap, no one casually says, oh, you&#8217;re cheap. That is a very extreme thing to say.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:00:02)\u00a0For somebody to joke in your family that you have four kids, Fernie, you know this. I could see you nodding right now. That is not a joke. Jorge, I&#8217;m sharing this with you. It&#8217;s not a joke. It&#8217;s actually incredible red flag. It&#8217;s almost like there&#8217;s a fire going on in your house.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:00:21)\u00a0Your house is on fire, and everybody&#8217;s going, la la la. Ha ha ha. Funny, funny joke. This is not funny. It&#8217;s a huge signal that something is often the dynamic. Am I reading this incorrectly?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:00:37)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0No, it pains me. It does bother me because if it&#8217;s that obvious for other people to see it, it sucks. I don&#8217;t I don&#8217;t want people to see him as my child. I don&#8217;t want that disrespect.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:00:57)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0That is right. That is disrespectful. I agree.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:01:01)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I don&#8217;t see it as disrespect because I don&#8217;t feel that way. I don&#8217;t feel like I&#8217;m the child.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:01:06)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Do you think maybe you don&#8217;t feel that way because you don&#8217;t understand what they&#8217;re actually saying? It&#8217;s easier to avoid what they&#8217;re saying.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:01:12)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Because they only see a part of whatever they want to perceive, but that&#8217;s not what it is.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:01:20)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0But Jorge, I&#8217;m seeing it right now. We&#8217;ve been talking for hours. I am seeing that you are treated and you ask to be treated like a child when it comes to the finances. You are not engaging as a partner. You&#8217;re not engaging adult-to-adult. You&#8217;re not even engaging with the CSP knowing that you&#8217;re going to see me. You are not taking this seriously. So your family is seeing exactly what I&#8217;m seeing, which is a parent-child dynamic.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:01:46)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. Hmm.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:01:48)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0What would you say to them if they were here, the very people who joke about the four kids?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:01:53)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Why would they think that? What was the reason that make him think that that&#8217;s what&#8217;s happening?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:02:00)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0That&#8217;s a great question. Fernie, can you try to answer what they might say?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:02:04)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0She handles everything.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:02:06)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Keep going. Jorge is asking a really good question. He&#8217;s trying to understand what&#8217;s going on here. I think this is a great question. Give him some specifics.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:02:14)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0It seems that she&#8217;s always working. She&#8217;s always trying to figure out ways to get you all out of the messes that you get each other into. And she&#8217;s always working on how to move numbers, how to move things around, how to make more money to get you all out of stuff while you sit and watch TV.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:02:38)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Jorge, what do you think of that?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:02:41)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Hmm. It&#8217;s painful. Ah, no. I don&#8217;t think that&#8217;s what it is, but if that&#8217;s what they see, I don&#8217;t see it that way.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:02:53)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0If everybody else sees something and you don&#8217;t see it that way, is it possible that maybe they&#8217;re right?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:02:58)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0It might be, yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:02:59)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Would you be open to that?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:03:01)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:03:01)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0And if they were right, what would you do about it, specifically?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:03:05)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah, working on showing more engagement, more ownership, showing up to her family that I&#8217;m taking decisions, that I&#8217;m doing also what they seem to be seeing off of her.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:03:32)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Hmm. Do you care about changing their perception?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:03:35)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0No, because I know who I am. I really don&#8217;t because even if&#8211; yeah, I guess it doesn&#8217;t bother me.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:03:46)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0There&#8217;s a lot of people who see my videos and stuff online, and once in a while, they&#8217;ll make comments about my freaking eyebrows or something like that. I don&#8217;t care what some random, anonymous comment on Instagram thinks. So I understand, there&#8217;s some people in your life you&#8217;re just like, I don&#8217;t care what they think. Whose opinion do you care about?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:04:09)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0My wife.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:04:11)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. So let&#8217;s put the family aside. Okay, so what is your wife&#8217;s opinion on this parent child thing?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:04:17)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0But she knows that it&#8217;s not. That&#8217;s why it bother her when they say those things.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:04:24)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. Can you ask her if that&#8217;s true?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:04:27)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Is that true, or am I wrong?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:04:29)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0You are wrong because you do ask me a lot of stuff when you should know. I don&#8217;t want you to come and ask me like, &#8222;Hey, what account should I use? How much do I have to spend?&#8221; I don&#8217;t think you should be asking me those questions. I think you should know those questions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:04:53)\u00a0And if you were truly my partner, my husband, you would know these things because we would sit together and go through it and know what we have, what we don&#8217;t have, what we can do, what we can&#8217;t do. You don&#8217;t know that. You asked me. You just did it today.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:05:12)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I didn&#8217;t have access to the account. I had access before, but&#8211;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:05:16)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Jorge, don&#8217;t explain it. Listen to what she&#8217;s saying.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:05:19)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0You excuse yourself. You tend to do that a lot. You excuse yourself about a lot of stuff. We need to change that. We need to, like you said, take ownership. We need to actually talk about things, be on the same page and be partners, not you having to ask me. It doesn&#8217;t feel right like it. You shouldn&#8217;t have to ask me if it&#8217;s our money. It&#8217;s not my money. It&#8217;s not my account. It&#8217;s our account. So you should be included, and you should know these things.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:05:53)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah, I wish that too.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:05:56)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0What did you just hear her say, Jorge?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:05:59)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0That I should be able to have the information. I should be able to be engaged with our finances, to be able to take decisions, and not to ask her for a simple decision that I can take on.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:06:19)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0That&#8217;s not what she said. She doesn&#8217;t want you to ask her those questions. An adult should already know how to do it. My wife doesn&#8217;t ask me how to log into our checking account. She&#8217;s an adult. We talked about it once. She knows how. She doesn&#8217;t want you to ask her those questions like a child. Are you hearing what she&#8217;s saying?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:06:37)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:06:38)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0What does she say?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:06:39)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0She wants me to take ownership and for me to be able to take decisions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:06:45)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. I think it&#8217;s surprising that you began by saying like, &#8222;Oh, I care what my wife thinks, not what her family thinks, but my wife knows that that&#8217;s not true. I&#8217;m not a child.&#8221; And she was like, &#8222;No, actually, I agree. You&#8217;re not taking ownership. You&#8217;re not being an adult. You&#8217;re not being my partner.&#8221; Did you hear her say that?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:07:06)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:07:07)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0How does that make you feel?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:07:08)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Well, not great.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:07:10)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:07:11)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I want her to feel different towards me. Yeah,\u00a0I&#8217;m willing to do anything that I need to be done.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:07:17)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay, so you have both told me that the current financial life you have is not sustainable right now, with $300 in savings. What would a more sustainable life look like for you? Fernie, I&#8217;d love to have specifics, please.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:07:34)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Forget about credit card or any type of debt. That is negative interest, not working in our favor. I need to eliminate the debt. Learn and have an emergency savings that if anything happens to the house, the car, I don&#8217;t have to go into debt. I don&#8217;t have to grab those funds.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:08:02)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Jorge?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:08:04)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0We&#8217;re talking about an amount of money?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:08:08)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0No. The question is, what would make you have a life that is more sustainable?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:08:15)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Debt free.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:08:16)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:08:17)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:08:18)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0All debt?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:08:20)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0All debt free and save money.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:08:23)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:08:24)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I think that&#8217;s the key.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:08:26)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Debt-free and save money. How much? How much you want to save?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:08:30)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. As much as we can.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:08:33)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. Wow, this is interesting. I&#8217;m hearing debt as a big problem for the first time in our conversation right now. Have you realized that?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:08:45)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:08:46)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Oh, I just realized that. I know it&#8217;s there. I don&#8217;t want to face it because I don&#8217;t know how to tackle it. I&#8217;m more afraid of messing up because it seems like everything falls on me because I&#8217;ve let it. I&#8217;ve done it, and I&#8217;ve let it happen that way.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:09:12)\u00a0That if something happens, it&#8217;s always like, well, you told me it was okay to do, so you told us that it was okay. So I always have that, oh, please don&#8217;t\u00a0(Bleep)\u00a0it up this time. I always have that in my head, and I&#8217;m terrified to make the mistakes that will get us back into that terrible hole again.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:09:38)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0When you go through life worried you&#8217;re going to, as you put it, (Bleep) it up, you are playing life on defense. Your entire worldview is, I&#8217;m going to mess this up. And it&#8217;s very hard to get ahead if that is your worldview. Now, I know you are talking to your therapist about this. Jorge, I hope you&#8217;re hearing this because your disengagement with money also affects Fernie, makes her feel alone.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:10:10)\u00a0That&#8217;s why she asks for connection, not for the right math. She&#8217;s desperately crying out for connection because she feels alone. And when she&#8217;s alone, she feels worried that she&#8217;s going to mess it up. Now, I hope that the two of you can do it together, but Fernie, you&#8217;re probably going to have to do it on your own to begin. How would you feel about that?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:10:30)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I am willing to put in the work.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:10:32)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. And Jorge, what about you? Do you have a vision of what your life would be like? You mentioned no debt and you want to be saving. I love that vision. What would you be doing in this life, this vision that you have? What would your relationship with money be? What are you willing to do in order to build wealth?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:10:52)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Work as much as we can, or as much as I can.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:10:57)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0That&#8217;s it. Work. Okay. I&#8217;m hearing you loud and clear.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:11:01)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:11:02)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Fernie, are you hearing this?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:11:05)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:11:05)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0What are you hearing?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:11:06)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0He doesn&#8217;t want to do the spreadsheets. He doesn&#8217;t really want to figure it out. He just wants to work and get there.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(Narration)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:11:16)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Now, this is interesting. I&#8217;ve spent hours talking to Fernie and\u00a0Jorge, and I&#8217;ve really been trying to get\u00a0Jorge\u00a0to engage with their money beyond just working and providing a paycheck.\u00a0But we&#8217;re right back here. The truth is he&#8217;s not\u00a0going to\u00a0open the spreadsheet.\u00a0He&#8217;s not\u00a0going to\u00a0run the numbers. The only thing he&#8217;s willing to do is work. Okay, fine. I can&#8217;t change anyone if they don&#8217;t want to change. What I&#8217;m\u00a0going to\u00a0do now is move on with the direction of the conversation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:11:45)\u00a0I&#8217;m taking a concept I learned years ago when I was a soccer referee,\u00a0and I&#8217;m adapting it.\u00a0That concept was called advantage.\u00a0In soccer, let&#8217;s say player 1 fouls player 2. But before I can blow the whistle,\u00a0player 2 gets the ball,\u00a0and they&#8217;re already running down the field. I basically say play on with the advantage hand signal, meaning it would disrupt the game if I were to stop for the foul.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:12:10)\u00a0I use that technique sometimes in life, and definitely on this podcast.\u00a0We could stop and analyze something wrong that happened two minutes ago, but we&#8217;ve already moved on.\u00a0So I&#8217;m making a judgment call. This is not\u00a0going to\u00a0happen right now. I&#8217;m not\u00a0going to\u00a0change\u00a0Jorge&#8217;s relationship with money.\u00a0And if I keep pushing him, he&#8217;s probably\u00a0going to\u00a0shut down.\u00a0So play on.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:12:33)\u00a0I know a lot of you don&#8217;t like this. You want me to yell at my guests\u00a0when they say infuriating things. I see the comments. A lot of people genuinely believe that if you yell at someone, they will finally see the truth. I see it in the comments where some people even admit,\u00a0&#8222;Sometimes I need to be yelled at.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:12:48)\u00a0Candidly, that&#8217;s not how human nature works. You might feel better watching me yell at someone, but that doesn&#8217;t actually change anyone&#8217;s beliefs. It actually makes them retreat. So no, I&#8217;m not\u00a0going to\u00a0scream at anyone, even though I will admit sometimes I lose my temper.\u00a0Jorge\u00a0has made it clear he&#8217;s willing to do one thing,\u00a0work, nothing more.\u00a0Can\u00a0Fernie\u00a0accept that?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(Interview)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:13:12)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Yes. How does that fit into your vision, Fernie? Does your vision include you doing the money yourself or you having a partner to do it with?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:13:21)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0No, definitely a partner.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:13:23)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:13:24)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Definitely, I want him to be my partner.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:13:25)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0The two of you have completely different visions. Do you see that?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:13:28)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:13:30)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I didn&#8217;t want to see it, but yes, I do.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:13:33)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I think that&#8217;s what Fernie&#8217;s been asking about. I think she&#8217;s not satisfied by just talking about what are we going to do tomorrow and next week, or even this month. I don&#8217;t think she&#8217;s satisfied by you just saying, I&#8217;m going to work and bring in a check. I think she wants that longer term plan. What do you think?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:13:52)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0That would give me so much peace.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:13:56)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Jorge?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:13:57)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I get it now.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:13:59)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Tell me in your own words.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:14:02)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I see where you&#8217;re coming from. I see what you mean now.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:14:08)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0What does she want?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:14:09)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0She wants me to be present, not just there.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:14:13)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Did this come up when you guys did counseling?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:14:15)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0It did, but I didn&#8217;t see that, what I just saw. I saw it click in his head, and at counseling, it never clicked. He understood it as, I need to go work. Let me run out. Let me go work. Let me go work. And I&#8217;m like, &#8222;He doesn&#8217;t get it.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:14:37)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Jorge, what&#8217;s different this time versus what happened at counseling?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:14:42)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Being able to talk about it more. Her expressing herself the way she expressed today, I see it now.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:14:55)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0And what if nothing changes? What happens?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:14:59)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I hope not. I&#8217;m very optimistic. I hope everything&#8217;s going to change and it&#8217;s going to&#8211;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:15:06)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Jorge, optimism is your way of not confronting reality. And you&#8217;ve been leaning on that crutch for a long time. And part of it is not your fault because your parents basically never really taught you about reality.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:15:22)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:15:22)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0They never forced you to face consequences. They just gave you money whenever you wanted. They took care of you till you were 25, and then immediately your financial burden was handed over to Fernie, your wife. You&#8217;ve never actually faced the consequences of not taking ownership of your own finances. And in part, I wish you had. I wish you had, because you would know what the consequences actually are. You need a plan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:15:48)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:15:49)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0You&#8217;ve been saying optimism for 25 years, and Fernie&#8217;s been doing the work. And it&#8217;s not working for her. And she&#8217;s not the only one who noticed it&#8211; her family, other people. I&#8217;ve noticed it today. So the question I have is, what happens if nothing changes?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:16:07)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0That&#8217;s not going to happen.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:16:08)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. I hope it doesn&#8217;t, but what happens if nothing changes?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:16:14)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0We&#8217;re going to be in financial trouble all over again.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:16:16)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Well, you have $353,000 of debt right now. You&#8217;re in financial trouble, deep financial trouble. So what else? Let&#8217;s talk about your son. How old is he now?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:16:33)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a018.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:16:36)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0What&#8217;s going to happen if nothing changes?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:16:41)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I&#8217;m not going to be able to give him what he needs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:16:45)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Two of you&#8217;re in your 40s, correct?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:16:47)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. I&#8217;m 48.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:16:49)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Maybe you work for 20 more years. That comes quick. You know how fast time goes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:16:57)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:16:58)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0And what happens then? One of you gets injured. Somebody has to take care of an sick family member. What happens then?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:17:05)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Big trouble.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:17:08)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Like? Be specific.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:17:12)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0We can end up being homeless. We can end up being without the need to&#8211; even not for us at least, if we don&#8217;t even see ourselves, but for our kids, which is the most important thing in our lives.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:17:33)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Fernie?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:17:33)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I don&#8217;t want him to have a horrible life because of our irresponsibility. Nothing is guaranteed for him. Help is not guaranteed for him. We are it. We are his guarantee. So it&#8217;s not a question of if nothing changes. It has to change. It will change. I will change.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:17:55)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I&#8217;m going to go to your CSP, and I&#8217;m going to show you some things that immediately stand out to me.\u00a0Here are the things that immediately are red flags for me.\u00a0$311 in savings is just completely unacceptable and the highest risk I&#8217;ve almost ever seen. Three kids, one special needs child,\u00a0no way.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:18:12)\u00a0This needs to be at least six, ideally 12 months of expenses, which would be 30 to $60,000. Now,\u00a0you&#8217;re a long way from that.\u00a0But right now, in my opinion, it is red alert time.\u00a0Time to change everything. Now, how aggressive would you like me to get? Because I can tell you what I would do, or I can make it gentle. What do you want?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:18:42)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Aggressive.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:18:43)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:18:45)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0We don&#8217;t have time.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:18:46)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0That is correct. I&#8217;m glad you said that. All right. Here&#8217;s what I would do. First off, I would look at your expenses. Utilities, all this stuff. What can be cut from this? Anything?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:19:00)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0That, not really.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:19:01)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay, we&#8217;re going to go line by line. Insurance, I don&#8217;t think so. Car payment?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:19:05)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0That&#8217;s the only car we have, so no.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:19:07)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0All right. Groceries?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:19:09)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0That we can cut to 400.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:19:12)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0You can cut from\u00a01,000\u00a0to 400?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:19:15)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Oh yeah, because we could just be using what we have in the freezer,\u00a0and it would be very slight extras, like milk,\u00a0eggs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:19:24)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Then what are you spending the extra 600 a month on?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:19:27)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0We were buying more sodas, snacks for the kids. We can cut all that.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:19:34)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Interesting when I asked you what I would find in your kitchen.\u00a0Suddenly everyone was like,\u00a0&#8222;Oh, I only eat healthy food. We cook every night at home.&#8221;\u00a0Ho ho.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:19:41)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0He said that.\u00a0I didn&#8217;t.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:19:43)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. Well, I don&#8217;t do the order, so I&#8217;m like&#8211;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:19:46)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Jorge,\u00a0it&#8217;s not cute with a smile. I&#8217;m not fooled. I&#8217;m not laughing. Do you see that? This doesn&#8217;t work on\u00a0me. You guys are in hundreds of thousands of dollars of debt,\u00a0and you have an 18-year-old special needs son. This shit is not funny.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:20:02)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0No,\u00a0it&#8217;s not.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:20:03)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Fernie, you&#8217;re\u00a0going to\u00a0need to decide if your partner takes this seriously or not,\u00a0and what are you\u00a0going to\u00a0do about it?\u00a0Because\u00a0that would be infuriating for me.\u00a0Jorge, I don&#8217;t know if you understand how f(Bleep) pissed I would be if I saw my partner joking about snacks when we have $300,000 of debt.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:20:24)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:20:25)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0You can cut your groceries down. That&#8217;s good. We&#8217;ll take it down to\u00a0400.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:20:28)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:20:29)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. That&#8217;s a big change in your fixed cost. Takes you down to 83%. That&#8217;s a huge change. I love that. Clothes at a hundred bucks a month. You do have three kids. We should probably leave that. Do you think you can cut that, Fernie?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:20:40)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah, I think we can cut it. I can do 40.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:20:45)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0All\u00a0right.\u00a0Fine. 40 it is. Phone 245. What do you say?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:20:50)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I&#8217;ve been trying to cut that, but we still owe our phones.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:20:53)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0All right. Fine. So let&#8217;s just keep it as is. And then subscriptions at 200 bucks. No. What do you want to cut that to?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:21:00)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I would just probably keep Disney Plus, which is 18 a month.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:21:04)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Great. Everything else gone?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:21:07)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah, I can cut everything else. I don&#8217;t get to watch TV anyway.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:21:12)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Perfect.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:21:13)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0It&#8217;s okay.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:21:14)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0We&#8217;re down to 79%. Still way too high, but we&#8217;ll get to that. Investments, 280. This is the one for your kids?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:21:22)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I&#8217;m doing $100 a month for them.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:21:25)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Not anymore.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:21:26)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. Okay.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:21:28)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0That&#8217;s gone. And then what&#8217;s the rest of this? Some taxable account or something?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:21:33)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0The one that I told you, the brokerage and stuff like that where it&#8217;s automatically going.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:21:38)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0You&#8217;re going to read the book, and you can decide where the money goes, whether it&#8217;s pre-tax or post-tax.\u00a0It&#8217;s probably pre-tax.\u00a0But that 280 bucks,\u00a0I&#8217;m\u00a0going to\u00a0just take off of here. I hope you can start to invest, but right now we got other things to worry about. Okay?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:21:51)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Okay.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:21:52)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Savings goals at 12%. 300 a month for vacation. Sorry, guys. There&#8217;s no more vacations for a long time.\u00a0So I&#8217;m taking that off.\u00a0Gifts,\u00a0120.\u00a0No,\u00a0no way. 1,500 bucks a year for gifts? No. That&#8217;s, what, for the kids?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:22:13)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:22:14)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah, for Christmas.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:22:16)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Guys.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:22:17)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah, I know. I won&#8217;t.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:22:19)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Literally, I would take one of rabbits at the bottom of that tub, wrap it up in new wrapping paper here. Happy birthday. Merry Christmas too. Here&#8217;s a rabbit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:22:31)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0They won&#8217;t even notice.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:22:33)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Exactly.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:22:34)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0That&#8217;s true.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:22:34)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Long-term emergency fund is currently at 100 bucks. Yeah, right. We need to move that number up. Let&#8217;s just look where we are right now. Great. Okay, I want to tell you why I&#8217;m getting a little bit more excited. We have more work to do but look at this.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:22:47)\u00a0Right now, you currently have 1,000 dollars a month to spend leftover after your key things. Now, the fact is you&#8217;ve actually been spending probably more than that on this random stuff you&#8217;re ordering from Amazon, etc. But we can put some controls around that, and we&#8217;re going to\u00a0put 500 bucks a month towards your emergency fund, and we&#8217;re going to dramatically cut how much you&#8217;re spending on guilt-free spending.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:23:16)\u00a0And we still have one major thing we need to do because we haven&#8217;t even touched your debt. Right now, according to this, your debt is not being paid off at all. We know that can&#8217;t be the case.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:23:27)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah, no.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:23:28)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0So which partner is earning 2,400 a month?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:23:30)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0He is.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:23:31)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Me.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:23:33)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Jorge, why are you earning 2,400 a month?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:23:36)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Besides that, I still make the one that I&#8217;m doing on the side.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:23:43)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Where is that?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:23:44)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0That&#8217;s not there.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:23:46)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Should we add it, or what?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:23:49)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0That fluctuates.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:23:51)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0We can. It&#8217;s rough to estimate because we just started at the beginning of the year, and I&#8217;ve been keeping, of course, a spreadsheet on it, and I can tell you roughly what we&#8217;ve been making.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:24:02)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay, tell me. I just want the average number. Six months is more than enough to make an average.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:24:10)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0So in March, we did $1,000. In April, we did 1,100.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:24:22)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Mm-hmm.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:24:24)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0In May, we did 1,700.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:24:29)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Mm-hmm.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:24:30)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0In June, so far, it&#8217;s been 1,800.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:24:34)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Great. So you did between 1,000 and 1,800. Let&#8217;s be conservative. Let&#8217;s say 1,100. I hope it&#8217;s more, but let&#8217;s be super conservative. How&#8217;s that?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:24:44)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:24:45)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Okay.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:24:46)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0All right. So I&#8217;m going to add that in here. Jorge, are you working full time?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:24:52)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0No.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:24:53)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Why not?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:24:54)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0We don&#8217;t have our kids on childcare.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:24:59)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Ah, so you&#8217;re staying home during certain times for childcare.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:25:04)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I only work at night.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:25:06)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. Got it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:25:07)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I&#8217;m third shift. Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:25:08)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Got it. Okay. Thank you. That helps me understand. So you&#8217;re third shift. So you&#8217;re making 17 bucks an hour. You&#8217;re working 38 hours a week, and then you&#8217;re doing this thing on the side, which is bringing in 1,100 bucks a month.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:25:23)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Mm-hmm.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:25:24)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. That helps me understand that. So let me show you what I&#8217;m going to do here.\u00a0I&#8217;m\u00a0going to\u00a0take this up from 2,400 to 3,500. Fernie, what do you think we should put for the net here? If it&#8217;s 3,500, what do you think?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:25:40)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a027. I&#8217;m sorry.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:25:42)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. Like 2,800.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:25:45)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Maybe 27. It&#8217;s something in there. I might be getting it wrong. I&#8217;m sure I&#8217;m getting it wrong. I&#8217;m not sure which direction.\u00a0Let&#8217;s say 2,700. Watch this number over here. This is the number to watch.\u00a0Right now your fixed cost is 79%. Holy\u00a0(Bleep).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:25:59)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Oh.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:26:00)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Look at Fernie&#8217;s face, everybody. Fernie, show us. Jorge is like, what the (Bleep) is happening right now? Fernie just took a big sigh of relief. That number dropped to 58%. Jorge, let me explain. I want you to know what&#8217;s going on here. It&#8217;s important for me. So this number is your fixed cost percentage, and we like to see that number between 50 to 60%. Higher than that really explains why people feel stressed out by their finances.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:26:29)\u00a0And one of the key things that I observed in your CSP is you simply are not earning enough money for the expenses that you have. And we&#8217;re not even really talking about the debt. $130,000 is a good household income, very good, but you have expenses, and you have a lot of debt. And so you need to be earning much more.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:26:49)\u00a0And so right there, adding that side income that you&#8217;re doing, Jorge, actually makes a huge difference. So I&#8217;m super glad that you&#8217;re doing that. If anything, I would say keep it up, and I&#8217;m just going to be direct, push it. Push it. Because right now we&#8217;re putting 1100 as the average. I would really like that number to be 1,500.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:27:13)\u00a0If you make an extra 500 bucks, for example, and you put that directly towards your debt, and let&#8217;s say this happens consistently, an extra 3, 4, 500 bucks a month, on top of the 1,100, that could shave off years from your debt payment&#8211; years. So this money is very, very welcome right now. Okay? All right. Can I keep going?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:27:35)\u00a0Your debt needs to be paid off much, much, much more aggressively. So I&#8217;m going to show you what happens. That number&#8217;s going to go back up, but I&#8217;m going to show you. 500 a month for debt takes you to 65%. Truthfully, 500 a month is not nearly enough to pay off your debt. Without looking at all this stuff, it&#8217;s thousands a month, probably 2,000 a month. And if I did that, I&#8217;ll show you what happens, just to give you an example. You&#8217;re at 87%. You&#8217;re back. So we got some serious problems here. What do you think about that?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:28:08)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. That&#8217;s why it&#8217;s very important for us to eliminate that debt. We&#8217;re pushing it to keep it down.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:28:17)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Fernie, if you had three hours free per day, what would you do with the time?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:28:21)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I&#8217;ve never thought of that. Stay with my kids.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:28:26)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Okay. I love that. What else? Let&#8217;s talk about the financial part.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:28:31)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Oh man, that&#8217;s a tough question. I&#8217;ve never really thought what I would do with three hours of free time not working on trying to figure out how to pay stuff. My mind automatically goes like, well, I can take those three hours and go do some overtime or something to pay off more debt.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:28:52)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Truthfully, I don&#8217;t mind that. Can you do it?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:28:55)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:28:56)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0How much more can you make?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:28:58)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Maybe 1,000.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:29:01)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I can&#8217;t be the one to tell you here what to do. This is not my place. What I can tell you is that currently there&#8217;s no debt payoff plan. You don&#8217;t know when your debt will be paid off, because I think the way that you&#8217;ve operated, Jorge, you&#8217;ve basically been checked out of the finances, and Fernie, you&#8217;re just like, I can&#8217;t even look at this.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:29:21)\u00a0I&#8217;m just going to take whatever money we have and put it towards debt. I don&#8217;t think right now it&#8217;s worth making a debt payoff plan because I think your interest rates are probably all over the map and your balances and all kinds of stuff. It&#8217;ll be very confusing, but I would encourage you to create that debt payoff plan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:29:35)\u00a0Just go online. You can search Ramit\u00a0Debt\u00a0Payoff\u00a0Calculator. You can plug in your numbers,\u00a0and you can see when will your debt be paid off.\u00a0So if it were me and I were in your situation, I&#8217;m sitting down with my wife. I would put this CSP up, like this. And we would look at it, and we would say, okay, we need to be dramatically paying this debt off.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:29:58)\u00a0We would&#8217;ve plugged the numbers into the debt payoff calculator, and we would realize right now we probably need to be paying, I don&#8217;t know, $2,000 a month towards debt payments. Well, right now that puts us at 87%. So we need to be making an extra $2,000 a month. I&#8217;m using sample numbers. You will have to figure these out on your own.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:30:19)\u00a0How are we going to do $2,000 a month? Well, let&#8217;s throw out every idea, and we&#8217;ll write them down on a piece of paper. It could be I work more. You work more, and on and on and on. And then we write down any potential problems. Well, we&#8217;d need another car. We&#8217;d need childcare, blah, blah, blah. But we don&#8217;t stop there.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:30:35)\u00a0That&#8217;s where most people stop. They see a problem. They just stop. They let a tiny problem stop them from making progress. No. You go, &#8222;Okay, so how would we get over that?&#8221; &#8222;Oh, we can&#8217;t do it this year, but if we wait a year, we can put our youngest in that childcare program.&#8221; &#8222;Mm. They&#8217;ll go for four days, not five, so we&#8217;ll have to figure something out on the fourth day, but that&#8217;s okay. We can figure that out then.&#8221; You see how we&#8217;re starting to work it out together? That&#8217;s it. Simple as that.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:30:59)\u00a0We need to be decisive. We need to be making decisions. After you sit down and you make a plan, after you sell everything you can that doesn&#8217;t need to be there, then you go, &#8222;Hey, wait a minute. We still have a lot of junk in our house. Just toys and stuff everywhere.&#8221; That is also sending a signal to you every time you walk in the house. What signal is that sending, Fernie?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:31:17)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0It stresses me out.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:31:18)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Yes, it stresses me out and?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:31:24)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I need to declutter.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:31:25)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0It&#8217;s just a reminder that we have a bunch of stuff around. And trust me, when you often get stressed out, what do you end up doing? You end up going and buying more stuff. Wrong. Wrong. We&#8217;re not going to do that anymore.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:31:38)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I&#8217;m going to get rid of a lot of stuff. As you were talking, I was thinking of everything that I could possibly just sell, even if it&#8217;s for cheap, a dollar, $2.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:31:49)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Yes. And who can help you with this? Fernie, interesting, I noticed you taking this all on yourself. I wonder.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:31:55)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I can help.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:31:57)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:31:58)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Jorge, why don&#8217;t you just tell her right now what part you want to take off. Don&#8217;t make her tell you to do it. Why don&#8217;t you just step up and do it?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:32:04)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I&#8217;ll do the basement. Yeah, I&#8217;ll do the basement.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:32:08)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Are we good? That&#8217;s it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:32:11)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. And everything that can be sold, I&#8217;ll get it sold.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:32:17)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Great. I love that. That&#8217;s what we&#8217;re talking about, that type of conviction. Fernie, how does that feel?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:32:24)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Great.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:32:25)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:32:25)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0It really does.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:32:26)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0The basement, we know it&#8217;s going to be done because Jorge just said he is going to do it. It&#8217;s done. Jorge, you&#8217;re going to do that by what? A week from now?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:32:33)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0If I can, yes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:32:35)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Oh. I don&#8217;t know the word if means or try. That word doesn&#8217;t exist to me. Can you tell me again?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:32:39)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Okay, two weeks.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:32:42)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Great. Done. Jorge, I think you don&#8217;t hold yourself to a high standard sometimes. I think you give yourself a lot of slack. You use a lot of words. Have you noticed that? Try, if I can. Do you find that you try to get away with as little as you can sometimes? Fernie, why are you smiling?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:33:02)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Spot on.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:33:04)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0It&#8217;s not going to work if you want to change this. Jorge, that&#8217;s going to require a total revamp of the way you look at the world. Because you&#8217;ve actually gotten pretty far getting by without going over the top, without going above and beyond. And that&#8217;s in a lot of ways because you had somebody else around you subsidizing or taking care of things.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:33:28)\u00a0But the fact is you&#8217;ll go the rest of your life like this, and then you two will be in extreme financial situation, not able to get out from it. In the same way, Fernie, that you&#8217;re going to have to re-look at the world and start to set actual boundaries and actually hold people to them, including Jorge, in the same way that you&#8217;re going to have to stop helping everybody else at your own expense, in the same way that you&#8217;re going to have to go from fear to boldness, Jorge, you&#8217;re going to have to go from trying to get away with as much as possible to actually saying, &#8222;I&#8217;m going to (Bleep) do this&#8211; not for anybody else, not even for my wife, for me.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:34:03)\u00a0Because like you told her 25 years ago, you deserve more. You&#8217;re lovable. Actually, the same is true for you. You deserve more, and you&#8217;re not even giving it to yourself. You&#8217;re trying to get away with as little as possible when I&#8217;m trying to help you see how much you can actually achieve, the two of you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:34:19)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah, I know. It has to come from us.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:34:22)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. Good. I&#8217;m really glad to hear that. That&#8217;s awesome.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:34:27)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0I appreciate your honesty, and I appreciate you calling out on everything because that&#8217;s what I needed to hear. That&#8217;s what I need to make the changes that are necessary for me to break out of this cycle.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:34:37)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0I really want you to be able to do this together. Honestly, there&#8217;s nothing more fun and powerful and rewarding than two people, two partners rowing in the same direction and starting to realize, oh my God, we can get to where we want to go faster than we ever thought possible. But it can&#8217;t be one person doing it. It just can&#8217;t, not at this scale.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:35:01)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Thank you so much.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:35:03)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0Thank you so much for your time.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:35:04)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0Thank you. I&#8217;m pulling for you. Keep me updated. Trust me, the community, my community is pulling for you as well. They want to see you make big changes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:35:15)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Thank you. Have a great night.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(Narration)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:35:16)\u00a0<\/span><b>Ramit:<\/b><span style=\"font-weight: 400;\">\u00a0This was a really hard conversation, and\u00a0I\u00a0want to\u00a0thank Fernie and\u00a0Jorge\u00a0for speaking with me so openly. I have some surprising follow-ups for you, but first, let me tell you what I thought of today&#8217;s conversation.\u00a0Honestly, I left the conversation feeling unsatisfied. I have all the patience in the world for a couple that does not understand money.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:35:39)\u00a0I frequently stay hours later than I am scheduled to because I feel we are right on the cusp of changing a dynamic around money.\u00a0But what I don&#8217;t have patience for is when someone refuses to engage their partner, especially when their partner is suffering, almost begging for help.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:35:59)\u00a0I approached\u00a0Jorge\u00a0from every angle. I gave him space. I gave him clarity. I related to him directly, and he deflected every single time.\u00a0And that&#8217;s when I started to lose it.\u00a0I honestly think as I reflected on this conversation, part of my discomfort and part of my irritation,\u00a0and even anger,\u00a0was seeing in him what I have seen in myself\u00a0when I&#8217;ve disappointed my wife, when I know that I could have done better, but I just didn&#8217;t.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:36:28)\u00a0And looking back, I realize how easy it would&#8217;ve been for me to make the effort,\u00a0for me to help her take the load off of her.\u00a0Maybe that&#8217;s why I&#8217;m so frustrated with\u00a0Jorge, because I can see a little bit of myself in him. What&#8217;s different here is that the stakes are really high. Fernie is crying. Their son&#8217;s future is on the line, and he&#8217;s still sitting here saying,\u00a0&#8222;It&#8217;ll all work out.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:36:53)\u00a0Can they change? Yeah, of course.\u00a0Anyone can.\u00a0But it&#8217;s going to\u00a0be incredibly difficult to undo 25 years of the same patterns.\u00a0It&#8217;ll take couples therapy and discipline. It will take commitment, and it will require\u00a0Jorge\u00a0to fundamentally change the way he approaches money\u00a0and\u00a0his wife.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:37:14)\u00a0Fernie went from dropping out of high school to earning a master&#8217;s degree when their son was born. She&#8217;s gone through some tough times.\u00a0I personally would just love for her life to be a little easier. It&#8217;s about time, don&#8217;t you think? My wish is that\u00a0Jorge\u00a0reflects on this conversation and finds the strength to meet her there. Now let&#8217;s check out their follow-ups.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:38:19)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0We have done some changes. The good thing about this is I&#8217;m not falling asleep. I&#8217;m listening to everything my wife has to say about finances. We&#8217;re walking and talking.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:38:32)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0Yeah. So we figured out that the being at home, staying at (Inaudible), sitting, watching a spreadsheet would was not the best thing. So I&#8217;ll walk just an overview of the month to come. Some positive changes that we have done. The mortgage, the interest rate, I&#8217;m talking to the lender to lower the interest rate.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:38:56)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0The phone lines, we&#8217;re moving forward on lowering our phone bill.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:39:01)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0The other thing too is the car. We were able to do a refinance. We lower the APR, and we lower the payment. That way, we have a three-year plan to do the 40k of the emergency fund. Of course, that might change as soon as our youngest goes to school. We&#8217;ll be able to possibly shorten the time on that.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:39:24)\u00a0But so far we&#8217;ve been able to save hundreds of dollars by just negotiating with our lenders. And I&#8217;ve stopped the college fund for the kids, so we can put it more towards the emergency fund and readjust everything. And we&#8217;re having better conversations. So we want to thank you all for the help, and it&#8217;s a work in progress.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:39:49)\u00a0<\/span><b>Jorge:<\/b><span style=\"font-weight: 400;\">\u00a0I&#8217;m getting more involved.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:39:52)\u00a0<\/span><b>Fernie:<\/b><span style=\"font-weight: 400;\">\u00a0So we recently refinanced the house. We went from\u00a07% to 5%. We have also canceled all subscriptions.\u00a0Just kept Disney Plus. We also stopped the investment for the kids. We switched over. We&#8217;re doing the emergency fund, and we&#8217;re doing 350 biweekly. So hopefully we can have that fully funded in the next three years. Fully funded, hopefully sooner than that as things progress.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:40:24)\u00a0We&#8217;ve been able to pay off two of the cards since my husband has been picking up more hours. I guess one of my hobbies, I&#8217;m doing crocheting. So I&#8217;m thinking of maybe getting so many out of my fun crafts. I&#8217;ve done little dolls and stuff, and they&#8217;re requesting it. So I might just do that as a side hustle. It brings me joy, and it makes me a little money, so that&#8217;d be great.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:41:00)\u00a0But so far the cost, we were able to reduce also our phone bill. We changed carriers, and we are saving $144 by doing that, which was great. We are having more casual conversations, no more spreadsheets. We take walks to be able to discuss. It helped us bring to light what we didn&#8217;t like about how we approach finances.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(01:41:28)\u00a0And that has helped us, I guess, have a healthier relationship with finances. We&#8217;re looking forward to these changes and see in a year the big leaps. But so far, we&#8217;re moving in a great direction. So I want to thank you all.<\/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\/222-fernie-jorge\/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=222-fernie-jorge\"> Nuoroda \u012f informacijos \u0161altin\u012f <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fernanda (44) and Jorge (48) have been married for nearly 25 years, raising three children,&#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":[3650,3651,3521,3649],"class_list":["post-1953","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sekmes-istorijos-patarimai","tag-4th","tag-child","tag-episode","tag-husband"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/posts\/1953","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=1953"}],"version-history":[{"count":0,"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/posts\/1953\/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=1953"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/categories?post=1953"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/tags?post=1953"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}