Ramit Sethi
Appearances
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
You can hear it in my voice. I think money's fun. I think it's exciting. When a lot of people hear the word money, they think of a budget and decimal places. When I think of money, I see a family trip to Disneyland. I see Saturday with the kids. So we want to reframe what money is to us. And one of the things you can do is something I call the 10-year bucket list exercise.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
You both sit down, you go, hey, in our next 10 years, what would be an amazing set of things we could do to give us a rich, meaningful life? Write them down independently, then compare notes. Have some fun. Oh my God, you want to go skydiving? I'll meet you on the ground with some champagne. But pick one that's exciting for both of you.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
And then decide when you want to do it, how much it's going to cost. And if it's eight years from now, it's going to be X dollars. You can start automatically saving for it. This is how you start to use money to live your rich life and get beyond just paying bills.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
This is a great thing to bring up because a lot of couples don't agree on everything. And that is fine. As an example, my wife loves self-care. It's her money dial. A money dial is a thing you love to spend money on. I'm not really into it that much. My money dial is beautiful hotels. I love beautiful hotels. She doesn't really care about it.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
So you can have a very successful relationship with money, even if both of you don't want to spend money on exactly the same things. That's fine. What's important is you have a high level of a rich life vision. Like how much do we want to save? What's important to us? Things like where do we want to live? What kind of car do we want to drive? Those are important because they're big purchases.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
But when it comes to things like self-care, my wife, for example, would spend most of that money out of her own individual account. And for us, when we take trips, you can create a way of doing it. For example, we might have our joint account pay for most of our hotel. And then if I want to stay at an extra nice place, I might... take some of my individual money and put it towards that.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
In other words, you can still have a very rich life even if the two of you don't agree on everything.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
Mike, this is one of the crux, one of the most surprising things about my work over the last 20 years is literally couples will spend their entire lives fighting about coffee. And when I point out that coffee has virtually no effect on their finances, They're just completely stunned. I want to give you a few statistics that are absolutely shocking. It's going to be hard to believe, but it's true.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
Number one, of all the couples I speak to, 50% of couples do not know their household income. 50, five, zero. That's not a typo. Think about it. You're going 10, 15 years arguing about who spent too much at Target, but you don't even know your household income. Almost nobody knows what percentage they invest every month, their investment rate.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
That question alone is worth hundreds of thousands of dollars, not the price of potatoes. 90% of couples who are in debt don't know how much debt they're in. And 100% of couples with credit card debt, 100, struggle to say no to their kids because it's the same principle that gets you into credit card debt that often prevents you from saying no to your kids.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
These are all way more important than how much you're spending on lattes. And that is what I want people to start to focus on, the important things, not just the urgent things.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
The things we talk about are the things that we stick to. If in your family, fitness is important, you talk about it all the time. If family's important, you talk about it all the time. But with money, we rarely do, especially with kids around. Many people deep down believe that money is bad and evil, and they should, quote, protect their kids from money. Wrong, wrong.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
We talk about money all the time. So one way to do it is to set up a monthly money meeting. This is you and your partner, you have an agenda, and each of you contributes to it. You can rotate who runs the meeting. And in this meeting, you always start with a compliment, always. Hey, babe, I really love how every time we travel, you always find the best seats for us on the airplane.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
I love knowing that I can trust you. Feels good. It totally recalibrates our relationship. You go over any key numbers. I have some very specific numbers that you track. Each of you owns a couple of those numbers. And then you talk about the future. What's coming up? What do we need to know? Is our dishwasher breaking? All that kind of stuff.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
Every single month you do this, it becomes something not to avoid, but something that actually connects you two together.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
Like I said, most people in debt do not know how much debt they are even in. And in fact, people in credit card debt over time, they come to get used to it. It's like having a wound on your arm. At first, it's incredibly painful. And after a while, you forget that it's even painful. It's just you learn to live with it. To me, there are some things in a relationship that are massive red flags.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
You should stop everything and solve this right away because it is an emergency. Credit card debt is one of those things. You can solve credit card debt. You can definitely pay it off. And many people can pay off their credit card debt way faster than they ever thought. Way faster.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
Just as one example, if you have a lot of credit card debt, paying even an extra $100 a month can shave that payment down by years. The math is very counterintuitive. So the first thing to do is acknowledge it. Hey, we have credit card debt. This is a problem, but we're going to get through it. The second is to get the numbers.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
You got to know your numbers, how much you have, what's the interest rate, what is the debt payoff date? This is scary. It's kind of like people who go to the doctor for the first time in 20 years. They're afraid of what they might hear, but you got to do it. Shine a light on it. And then three, you make a debt payoff plan. You do this together, you avoid gimmicks.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
Lots of people, when it comes to paying off debt, they will do everything except setting up automatic payments to pay off their credit card. They do balance transfers, they do this, they do that. Okay, you can try it if you want, but really, It's about paying off your debt and doing it together.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
When you do this, and when you use something like my conscious spending plan, it becomes very obvious how much you have, how much you need to pay off, and when you're going to be free. And free is an amazing feeling.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
And that's why with couples, you can't just do it alone. It would be like one person going on a massive fitness transformation and the other is still eating pizza and chicken wings. It just doesn't work. You've got to do it together. So that's why, number one, you've got to use the scripts to connect. The two of you come together and go, hey, what is our rich life?
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
It's doing this, it's seeing our grandparents, et cetera, et cetera. Okay, cool. Well, in order to do that, right now we're paying X hundred dollars a month towards credit cards. We can't afford that stuff right now.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
let's make a plan most of us were very passive with our money but when you understand money you realize oh my god i can actually affect a lot of this myself i can pay it off i can even pay it off more aggressively i could cut costs over here so you gotta there's two steps to living a rich life the first you gotta know your numbers that means you have to understand the basic language of finance and number two
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
You have to master your money psychology. What I mean by that is you've got to start finding a way to feel good about money. And both of you have to talk about it regularly, positively, proactively. If you do those two things, know your numbers, master your money psychology, you can live a very rich life, even if you have credit card debt.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
Hope is not a strategy. Okay? We are adults. And it's actually possible and it's fun to engage with money. That's why I love talking to these couples. You can see them. Most of us, we spend our entire lives working. And if we just understood money just a little bit more... it's often possible that you will have more money than you ever imagined. Now, that might seem crazy.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
Like, what are you talking about? We're just trying to pay our bills. Well, I would ask you, do you understand your investment rate? Do you know your savings rate? Do you know how much money you need for retirement? The vast majority of people will say no to every one of those questions. Then how do you know you're behind? The answer is you've got to both make a decision.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
We are going to live a rich life. We deserve it. And we're going to work for it and maybe even make some changes or compromises. But life is too short to live a tragedy of a smaller life than we have to. That's why I want people to work together with their money.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
The biggest reason is that we usually only talk about money when we fight. Think about it. Someone is a spender. Someone is a saver. You end up looking at the credit card bill. You go, how could you spend that much? And then you go to sleep, paper over it, and wait for the next fight to happen six weeks later. And most couples do this for the next 40 years.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
There's got to be a better way to talk about money that makes it positive and fun.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
Yeah, it's kind of crazy. I mean, think about the fact that most of us, we have this deep, invisible belief in America that money is unromantic. And the reason I got so interested in money and couples is that it is one of the last taboos. You know, many of us would rather talk about our sex lives than how much money we make, how we spend it. Are we on track for retirement?
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
And when you start to shine a light on these things, not just with one person's money, but a couple's money, you start to unravel a series of invisible expectations. I just find it incredibly juicy, and it's incredibly fun to watch couples finally develop a shared vision of a rich life.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
starts when we're dating you know many couples uh when they're dating they don't have serious conversations about money in fact there's only really three or four moments in a couple's entire life that they really talk about money one of them is when they buy a house another one if if they do another one is if they have children you skip over to about age 58 when they start to think about retirement and then often it's death
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
I mean, that's it. Four times over the course of an entire lifetime that we talk about money. I don't like that. I think money is not about having the conversation. It's about having a series of regular, positive, proactive conversations. And there's no reason to apologize for it.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
Oh, bingo. You nailed it, Mike. I think the biggest mistake couples make with money is that they don't have a shared vision of a rich life. That's it, that's end all be all. You'll have one person who likes to travel more, the other doesn't. So they'll go the next 40 years fighting about taking a trip or one person likes to buy Monster Energy drinks and the other thinks it's ridiculous.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
They'll literally fight about it for 25 years. And I'll ask them, what is your rich life? And they look at me like I'm crazy. Rich life? We're just trying to pay our bills. I go, you can't live a rich life if you're spending the next 30 years fighting about celery at the grocery store.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
So one of the best techniques you can use as a couple is to zoom up, put all the arguments aside about credit card debt or traveling, and just say, what is our rich life? It might be we want to travel twice a year. It might be we want to send our kids to camp. It might be I want to spend Saturdays just watching TV. That's okay. Start there.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
And as you start to change money from a negative thing into a positive conversation, one of possibility. Suddenly you have a vision to work towards. And now you can say, does it make sense to buy that car or that house? Or should we eat out five times a month or 10? Now we have something that we are working towards.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
I think the biggest mistake couples make with money is that they don't have a shared vision of a rich life. You can't live a rich life if you're spending the next 30 years fighting about celery at the grocery store.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
I like to be specific in all my books. I always give word for word scripts. I give the exact way to set your accounts up as a couple. And when you set your accounts up using my setup, each of you has your own separate account with no questions asked money. So whether it's a hundred bucks or 5,000 bucks a month, that's TBD based on your income.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
But you and your partner will each have your own money. If you want to spend it on monster energy drinks three times a day, you want to have a heart attack by the time you're 41, that's your prerogative. You've got the money. It's in your own account. And your partner will not ask you any questions because you are using the money from your individual account.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
I call it your first positive conversation about money. And that's because whether you are dating or whether you've been married for 30 years, many couples have not actually talked about it in a way that feels good. And so your first positive conversation has four parts, and it's very simple. The first is you introducing the concept. You might say something like, you know what?
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
I realize that when we talk about money, it doesn't feel good. It doesn't feel like we're connecting. And honestly, sometimes I think I get a little too negative.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
i would love to change that what you're doing there is you're sharing some vulnerability you're kind of opening up the conversation next when we talk about money right now i feel overwhelmed i feel stressed how about you notice that i'm admitting how i feel and then i'm tossing the ball to my partner because we want a dialogue next
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
i want to feel positive in control i want to feel connected how about you get their thoughts and then finally when should we talk next that's it notice i did not pull out a budget i certainly didn't talk about credit card debt it was just a recalibration and at the end you look at your partner you give them a hug and a kiss and say i love you that's it
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
So this conversation is no longer than 15 or so minutes. It's short. This is one of the key myths that we have with money is that we need to get everything out on the table in one conversation. It's like, who wants to do that? Think about when you're going on your first date. You don't need to tell your whole life story. You just need to see if you like them and if they like you.
Something You Should Know
Why Couples Hate to Talk About Money & How Scents and Smells Affect You
Same thing with money. In fact, I would suggest never using some of the following words in your early conversations. Budget. retirement, debt, you really need to, those kinds of things. We don't want any of that. We don't want negativity or restriction. We just want to start off with positivity. It's about recalibrating our relationship with money and really deep down with each other.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
No, tell me. $12,303,000. So that's me starting with 5K, gradually ratcheting it up until I'm investing, well, investing 30K on year, a year per average across those 49 years.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
And then if I got 8% instead of the 7%, I'd have 17.4 million. Yeah, but don't mess with that. Because this is what people do.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
If you could do me that small favor and hit the follow button wherever you're listening to this, that would mean the world to me. That is the only favor I will ever ask you. Thank you so much for your time. Back to this episode. So what is the S&P 500 for anybody that doesn't know? Yeah. And what are the returns that I'm likely to get from investing in the S&P 500?
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
No, it's good. It's good.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
It's normally easier.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
certainly a skill, information. It's information. It's even knowing that there was another lake over there in part. And that's why like listening to conversations like this is so valuable for people because it lifts a curtain. And you go, what the fuck? You guys were behind here the whole time partying? That's what my business life has been like.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
It's like a gradually, like I think I heard Kevin Hart describe on Joe Rogan one time where he said, there's this other room where these people are playing this other set of money games. And then when you get in that room, you get, you're almost pissed off that nobody told you this room existed, but then there's another door.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
I really want to simplify this for people that are at the very start of their investing journey. You know, because I mean, this is what you spend so much of your time doing that. I just think about my team here. It's in the diary of a CEO. There's about 30 people.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
And then you get through there maybe a couple of years later and you find these other people, these fucking billionaires that are playing another set of games and you're going, what? And they're chilling. They're just smoking cigars. They're not even doing any hard work. And you go, tell me the games that you guys have been playing in here.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
And then again, the frustration is, and that's kind of what I feel like in my business life. It's been like where at the jump I'm charging, I don't know. I remember my first, we found our first deck from 2014 charging. I remember the package we had gold, silver and bronze. It was like, you know, $200 package for like support and then $500. And then the gold package where we threw,
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
everything in for a thousand dollars and i remember one of my first clients um accepting that and then i think today like the only difference okay there's skills that have increased but information is the big thing knowing how to do it you know um when you think about curtains that have lifted that have really shifted the games you play from a value money perspective like where someone's turned the lights on you fuck of course yeah is there anything else that comes to mind
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
And we started talking about money one day and it was mind blowing how nobody in my team's lives had ever had the conversation with them about investing. We all think of investing as something that rich people after the age of 40 do once you have a million dollars. Or if you don't have a million dollars, then the only other way to invest we're taught is to buy a house.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
You can put your hand on the screen, by the way.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
The handwriting is a little bit, it's giving doctors. Okay. Oh, yeah. Look at that.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
This is my Hinge profile, by the way. I'm totally just going to copy and paste all this stuff over.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
Interesting. Okay.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
So for people that are only listening on audio and that can't see what this chicken scratch you've just drawn on this iPad. On one hand, you list your skills. And then on the second side, you're listing the ways you believe you could make the most money from those skills based on the size of the problem you'd be solving with them and the value of the solution.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
So, for example, let me let me try and play this game with you then. So, OK, so I am a writer. So I'm going to do my skills on the left. I'm a writer. And on the right, I'm going to write money. I'm a writer. I'm really good at writing stuff. That's it. And I kind of get the internet. So I kind of understand LinkedIn blogs and stuff like that. But that's it. I'm a writer.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
To make no money?
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
Okay. Working for a local newspaper.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
I got a better one.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
Do you know why I know this? Because when I was working in biotech, we couldn't hire one, which is a medical writer.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
Honestly, so a typical copywriter when I was working in my social media company, we might pay entry level £25,000, which is probably about $35,000. A medical writer, someone that can write about the psilocybin compound in my psychedelics business would get paid $150,000. or more. We just couldn't find some.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
We found loads of people that could write, but nobody that had within their skill stack, even though it's quite easy to teach, the ability to write using medical words, slightly medical words. It doesn't mean you need a medical degree. You could probably learn how to write, become a medical writer in a month if you really committed yourself to it. So that's the topic.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
Yes. Yeah, yeah, yeah.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
Well, that's actually when I moved into biotech, how I got paid. And when I talked about being paid a thousand times more than I would have previously, it's because the way I got paid was in options in the IPO.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
in the company at a certain price. And so when the company IPO-ed at $3.2 billion on the NASDAQ in July 20, I don't know, 21 or something, even though I'd only worked in the company for about six months, just helping them build out the marketing team, I think my like net return was unbelievable. on the equity value at the time was quite close to 10 million. So six months work, 10 million return.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
And really the reason I did it was because I was so interested in psychedelics. But it just opened my eyes to the fact that any kid with social media skills and that knew how to structure a deal with these people could have walked in there and said, give me some stock in this IPO and I'll run your social media for six months.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
Could have changed your life.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
I completely agree. And it's so unfair that people don't know about it.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
But it's an unknown unknown. So before I knew, I didn't know that I didn't know.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
The art of the deal.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
So where does one go then? Where does a 25-year-old kid listening to this go to learn how to make deals?
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
Yes. Exciting.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
Well, I'm going to link Main Street Millionaire below so everyone can pre-order it. I've pre-ordered, I think 10 or 20 copies of it, maybe a couple more.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
The other thing I came to learn as I got money, and it was almost like someone pulled the curtain back for me, is how wealthy individuals play the tax game. Oh my gosh. And it's a tax game that the average person has no idea is going on.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
Yeah.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
What's L2?
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
The really sort of actionable thing there for the average person as well is probably the first point where you said a lot of what rich people do is they'll buy a stock. So I'll spend 10k on Amazon stock. And then I go to a bank and the bank give me a $5,000 loan against my Amazon stock tax free. And I just hold the Amazon stock. Now I've got $5,000 tax-free.
The Diary Of A CEO with Steven Bartlett
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If the Amazon stock goes to $20,000 in value, then I can go to the bank and say, it's gone up now, give me another $5,000. And I just spend and live off that money. Now, if the Amazon stock collapses, I'm fine because the loan was against the stock. So they'll sell the stock at a certain point as it's collapsing to get their money back.
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Never sell it. And that's what Elon's doing with his companies. People say he's got $200 billion, whatever. In fact, he's borrowing tax-free against those companies.
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Smart. I think one of the great advantages of life is, as it relates to wealth creation, is really getting good tax advice. Because I've sat here over and over again with people that have great tax advice and some people who didn't have any at all. And the outcomes are quite frankly shocking. The variance in outcomes are quite frankly shocking.
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From one person going bankrupt to the other person becoming a multi-billionaire. And it comes down to, some of it comes down to their tax strategy and how they thought about tax. And, you know, being around a lot of people now that are masters in tax, it was like, yeah, I describe it as someone pulled back a curtain that I never knew was there.
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And all these people were doing magic behind this curtain and no one ever told me that curtain existed. And it's called tax.
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Yeah.
The Diary Of A CEO with Steven Bartlett
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What is your capital allocation strategy? How do you invest your money? This is, you know, this is the thing people want to know most about you.
The Diary Of A CEO with Steven Bartlett
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So simple. Why index funds? You're the reason I, your capital allocation strategy is almost identical to mine. I want to talk about the house thing as well, but after reading your book, I stopped trying to pick stocks and I invested all of my available capital into index funds outside of investing it in starting companies. So I'm a shareholder in, I don't know, 50, 60, 70 companies.
The Diary Of A CEO with Steven Bartlett
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All my other available capital is invested in index funds. And then I have a very longstanding, large position in Ethereum, which I've held for like six years or something now, which has done me very well. That is it. And the Ethereum investment is also based on the fact that I run a software business that is in blockchain.
The Diary Of A CEO with Steven Bartlett
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And I could see that developers are building on top of Ethereum more than any other blockchain. So that insight was really beneficial to me.
The Diary Of A CEO with Steven Bartlett
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Yeah, I think your book taught me that successful investing is when you lose the password to your investment account.
The Diary Of A CEO with Steven Bartlett
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I don't actually think you said that in there, but that's like, when I lose the password to my investment account, I'm so proud of myself because it means I haven't checked it in forever. And so it was funny because you were coming today. I thought, oh yeah, well, I have all this money in these index funds. I'll check it. And I thought, fuck, I don't know the password. I'm like, Good.
The Diary Of A CEO with Steven Bartlett
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What is, for anyone that doesn't know, what is dollar cost averaging and what is an index fund?
The Diary Of A CEO with Steven Bartlett
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If I was your son and I said, dad, prove to me that that's a better long-term wealth creation strategy than buying crypto or buying companies that I use or like, how would you explain that to your kid?
The Diary Of A CEO with Steven Bartlett
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53% of you are planning to make a New Year's resolution about money, finance and investing this year because you want financial freedom and financial security. So we went through every conversation we've had about money, personal finance and investing and we found the most replayed and most shared moments from those conversations for you.
The Diary Of A CEO with Steven Bartlett
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Give me a case study where someone has followed that strategy and done well.
The Diary Of A CEO with Steven Bartlett
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Patience. It's a difficult thing. It also reminds me of the story that you talk about in the introduction of your book about the janitor, Ronald James Reed. Yeah. Yeah. who, when he died in 2014 aged 92, had a net worth of over 8 million.
The Diary Of A CEO with Steven Bartlett
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How did he do that?
The Diary Of A CEO with Steven Bartlett
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So a fund, essentially, I've got £100 that I want to invest. I find a fund. Where do I find these funds?
The Diary Of A CEO with Steven Bartlett
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Is buying a house a good or bad financial decision? My brother, who works in my company, and he's the one that introduced me to your book many years ago, said to me something along the lines of, Steve, don't buy houses to make money because you have the ability to play a different set of games that very few people can play. And what I mean by that is he kind of explained it to me.
The Diary Of A CEO with Steven Bartlett
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He goes, listen, everyone can buy a house, so the returns there aren't going to be huge. Go find a game that only you can play, you'll get bigger returns. Yes.
The Diary Of A CEO with Steven Bartlett
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People buy houses because they think they're making loads of money.
The Diary Of A CEO with Steven Bartlett
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Statistically, there's going to be at least one person listening to this that has made an offer as we speak for a house under the assumption that it's going to help them stack wealth. If they were purely doing it for those reasons, what would you tell them to do instead?
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I would love to be in the room somewhere where that person has just looked at their partner after persuading them to make that offer because it was going to make them rich. Sorry guys. So to make sure I and everyone listening understands what the blockchain is, it's this public, you can think of it as this database in the sky.
The Diary Of A CEO with Steven Bartlett
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And the database in the sky is checked by everybody who has their computer on and is interacting with the database in the sky. So you no longer need a government or a bank checking the transactions and the contracts in the database in the sky, because now all of our computers that are on, interacting with it, are in the background checking transactions
The Diary Of A CEO with Steven Bartlett
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that if I send you one Bitcoin, if I do something on this database in the sky, it is in accordance with the history of the database and it is in line with that database.
The Diary Of A CEO with Steven Bartlett
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And you don't need to trust anybody.
The Diary Of A CEO with Steven Bartlett
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I used a company called Hargreave Lands down in the UK who have an app. When I first started investing in funds, they had a very ugly app. So I wasn't very compelled to use it. I think it's better now. But I would just do it on desktop, which I do get your point because you don't want to screen all of that notification. I like ugly.
The Diary Of A CEO with Steven Bartlett
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I run a company called ThirdWeb, which is a Web3 infrastructure business. We've raised quite a lot of money for the company, about $30 million now. And we have a big team. And it's interesting for me to observe the use cases because people come to ThirdWeb to build on the blockchain.
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And one of the really interesting use cases we've seen over the last, I'd say, 12 months that's really exploded is gaming. people building Web3 blockchain-based games. Because if you think about games like FIFA, which is a huge game obviously in the UK where we're big soccer fans, or other games like, you know, RuneScape back in the day, where you have assets in the game.
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In FIFA, you have a messy card. In RuneScape, you might have a sword. The thing that the blockchain now enables us to do is to take those assets from the game and actually trade them outside the game. So if the sword was on the Ethereum blockchain, even though I'm not inside the game, I can trade that sword on the Ethereum blockchain.
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And so one of the most exceptional use cases we've seen at Third Web is people building Web3 games because these assets are now valuable. It's great for the game developer. They've now got this brand new economy for their company. And it's great for the people that own those assets in the game because those assets are now more valuable because more people can access them.
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And you don't want it to be too accessible. Correct. I don't want to be able to check it every day.
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And if I own Ethereum, if I own an Ethereum token, which I do, by the way, I've been stacking it and refusing to sell. But how do I benefit from the fact that games are now being built on Ethereum?
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A couple of questions here then. So you said it's easy to do. Yeah. Let's talk practicalities. How does one do it? I can do it on my phone. I have to call someone.
The Diary Of A CEO with Steven Bartlett
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What about this though? My bank, my digital bank is offering me to buy crypto on there. Should I do that?
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I have mine on a ledger. So I have my Ethereum on a small, it's kind of like a small USB stick. And then that USB stick is protected by like 24 words or whatever it is. And those words are on pieces of paper in different countries at the moment. And it means that no matter what happens, no matter where I am in the world, no matter who comes for me,
The Diary Of A CEO with Steven Bartlett
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I can always retrieve the X thousand Ethereum that I have on this ledger device. Unlike a bank where my account could get frozen by the government, or they could empty my bank, they could freeze my bank. I will always have that value.
The Diary Of A CEO with Steven Bartlett
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Yeah. Do you know for people that are in that paycheck to paycheck cycle, which I was in for many, many years of my life, where I'd get paid for my call centre, I'd go and spend the money, I'd pretty much spend all the money within the first couple of days of getting the paycheck, and I was just waiting the next three weeks for the next paycheck.
The Diary Of A CEO with Steven Bartlett
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What advice would you give them about getting out of that cycle? Because you almost feel imprisoned by that cycle if you're in it.
The Diary Of A CEO with Steven Bartlett
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And that fund, so I've got £100. I go on a website.
The Diary Of A CEO with Steven Bartlett
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No.
The Diary Of A CEO with Steven Bartlett
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Neither do I. There's various ones in the UK. I actually do recommend Hargrave Lansdowne just because it's simple. And I think investing in funds, there's no fees. There's no fee associated with the investment itself. Obviously, they might take a percentage depending on which fund you're investing in. I take my £100 and investing in Hargreaves Lansdowne, you don't need, there's no minimum. Great.
The Diary Of A CEO with Steven Bartlett
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I've got to say, the couple of things that I came to mind as you were saying that, and funnily enough, I put myself in the shoes of 18-year-old Stephen Bartlett when I was in that small apartment with three or four immigrants in Moss Side Rush Home. And I was, you know, my rent was nothing. My rent was £150 a month, which I could not afford and I could not pay.
The Diary Of A CEO with Steven Bartlett
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And I was intimately working between call center jobs. And whatever money I got, I spent. And part of the reason I spent it just pre is because like many people watching, especially men who sometimes feel the need because of the way society is, I was trying to get laid at the same time. Yeah. And it's hard when you're a young man.
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And I say young men in particular because the stats do support the fact that there is an expectation that men pay. When you're a young man, it's particularly difficult to do all of these things to cut back and also get laid. And what am I going to do? Defer getting laid for 10 years? When I say laid, I'm really saying meeting someone and falling in love and having a life.
The Diary Of A CEO with Steven Bartlett
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So if I'm living in a shoebox, which I was, I can't bring anyone back there. I can't take anyone for dinner. I can't take anyone to the movies.
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I've got to be honest, I did make a sacrifice. And for me, the sacrifice was I started a business. And frankly, that meant that I didn't have time to be going out, getting laid or meeting people or socializing. But my story arc ends with it going well and then the romantic situation taking care of itself many years later, once it had gone well, because I was so focused on myself.
The Diary Of A CEO with Steven Bartlett
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And it's funny, there is a bit of a paradox to life that the more you actually focus inward, the more you become a magnet. And the more I focused outward, the more I pursued and chased and sort of neglected myself, the harder it was to get people interested in me.
The Diary Of A CEO with Steven Bartlett
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It's hard for us to naturally see life as seasons, especially when we're looking forward. When we're looking back, it's very easy to say, oh, that was that season. Like I can sit here now and say, oh, that 20 to 25 was that season.
The Diary Of A CEO with Steven Bartlett
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From what I understand. And there's no, if you invest in a stock, they charge £12 per investment. But if you invest in a fund, it's free. I put my £100 into a fund. The fund is essentially taking £1, one of those pounds and investing £1 into Facebook. It's investing £1 into Google, £1 into Shopify, £1 into Spotify, £1 into Nvidia or whatever. It's doing that for me. It's managing it for me.
The Diary Of A CEO with Steven Bartlett
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sacrifice everything in my life to make myself something seasoned and then 25 to 30 was like building and learning and then I now you know can think of it's easier actually now to think forward in seasons now that I've been through some seasons but for someone that hasn't been through seasons in life it's it's hard to think about life in those terms.
The Diary Of A CEO with Steven Bartlett
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I now think of my life in these five-year seasons. And that helps me to say to, you know, even have conversations with my partner where I go, this is the season I'm in. And it will last probably roughly this long. And I'm going to sacrifice these things and prioritize these things in this season. But it's hard for people to understand this idea.
The Diary Of A CEO with Steven Bartlett
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It's interesting because confidence is such an internal thing. And I just feel like I just probably just didn't have it then. Because I think I was scared for someone to know that I was broke. I was so scared for someone to know that I was broke that I just didn't entertain romantic relationships.
The Diary Of A CEO with Steven Bartlett
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There's another element to this, which is my life was pretty miserable. So when you have a... relatively miserable life when you don't have many nice things because you're working in a call center as i was until 11 o'clock at night time doing overtime every overtime hour i could get then because you're also lonely you're going home alone walking home because you can't afford the bus
The Diary Of A CEO with Steven Bartlett
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Anything that gives you a little dopamine hit. Gambling. This is why all the gambling shops are in the areas that struggle the worst financially. Because those, I mean, a lot of people say, because those people are looking for that, you know, that big payday, that dopamine hit from a payday. My TV in my tiny, tiny little bedsit room was like half the size of the wall.
The Diary Of A CEO with Steven Bartlett
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It's making the decisions for me. I just put the money in every month, whatever I can, and I leave it.
The Diary Of A CEO with Steven Bartlett
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I was making reckless spending decisions because I think it gave me some kind of hit that I was missing in my life. It gave me like a dopamine rush that was... And there wasn't many things giving me a dopamine hit at that point in my life. And see, here's the thing.
The Diary Of A CEO with Steven Bartlett
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Yes.
The Diary Of A CEO with Steven Bartlett
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Isn't this cool? Every single conversation I have here on the Diary of a CEO, at the very end of it, you'll know, I asked the guest to leave a question in the Diary of a CEO. And what we've done is we've turned every single question written in the Diary of a CEO into these conversation cards that you can play at home.
The Diary Of A CEO with Steven Bartlett
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So you've got every guest we've ever had, their question, and on the back of it, if you scan that QR code, you get to watch the person who answered that question. We're finally revealing all of the questions and the people that answered the question. The brand new version two updated conversation cards are out right now at theconversationcards.com. They sold out twice instantaneously.
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So if you are interested in getting hold of some limited edition conversation cards, I really, really recommend acting quickly. Q1 is often when businesses start implementing new systems and processes in hopes of creating efficiencies for the year ahead. And over the course of my career, I've learned just how crucial having the right systems in place is.
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One which has helped me across many of my investments is NetSuite. They're also a sponsor of this podcast. NetSuite is the number one cloud financial system. Through their streamlined platform, you'll find all of your accounting, financial management, inventory, and HR in one place.
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Their technology has been a real game changer, especially for my team at Flight Studio, as over the last year, we've moved out of startup mode and into scale-up mode. We no longer have to juggle multiple systems and having everything together has reduced the number of manual tasks and errors. Over 41,000 businesses have chosen to future-proof their business with NetSuite.
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So if you'd like to learn how it can help your business, head to netsuite.com slash Bartlett and free download the CFO's Guide to AI and Machine Learning. That's netsuite.com slash Bartlett.
The Diary Of A CEO with Steven Bartlett
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Everything from life-changing advice on savings, spending, investing, tax, crypto, buying a house and having a money mindset.
The Diary Of A CEO with Steven Bartlett
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I've got a friend that's currently actually in this building at the moment. And I had this conversation with them about a year ago, gave the advice that you've just given there. And about two months later, this individual, who I shan't name, came to me and I said, how's your investments going in that fund? And they said, oh, yeah, I had bills. I had a credit card bill. So I took it out.
The Diary Of A CEO with Steven Bartlett
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How can you prove to me that this is the way to make wealth? What case studies have you got that investing in funds over a long period of time is the path to financial wealth? Because, you know, you said earlier about the paint drying thing.
The Diary Of A CEO with Steven Bartlett
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The narrative that we see about why people and how people get rich is, you know, they sell a company or they have a lottery win or maybe they buy some cryptocurrency and it goes up.
The Diary Of A CEO with Steven Bartlett
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That's what we hear. So that's what we try and emulate.
The Diary Of A CEO with Steven Bartlett
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Okay. Okay, I've got it. All right.
The Diary Of A CEO with Steven Bartlett
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I'm going to say $5,000 and I'm going to start when I was 16. Because if I'd saved my money when I was 16 and not spent it recklessly, I think I could have had that $5,000 when I was 16. Annual edition, what does that mean?
The Diary Of A CEO with Steven Bartlett
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I find it incredibly fascinating that when we look at the back end of Spotify and Apple and our audio channels, the majority of people that watch this podcast haven't yet hit the follow button or the subscribe button, wherever you're listening to this. I would like to make a deal with you.
The Diary Of A CEO with Steven Bartlett
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30.
The Diary Of A CEO with Steven Bartlett
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Okay.
The Diary Of A CEO with Steven Bartlett
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14 years.
The Diary Of A CEO with Steven Bartlett
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$133,537.
The Diary Of A CEO with Steven Bartlett
The Top 7 Money Making Hacks For 2025 That Are PROVEN To Work! Do Not Buy A House! Do This Instead!
Yeah.
The Diary Of A CEO with Steven Bartlett
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I would have $336,000. It's getting better. From just $5,000 a year. It's not much. It's fantastic.
The Diary Of A CEO with Steven Bartlett
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So investing from the age of 16 until I'm 50, I would have $736,000 in my account.
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If you could do me a huge favor and hit that subscribe button, I will work tirelessly from now until forever to make the show better and better and better and better. I can't tell you how much it helps when you hit that subscribe button. The show gets bigger, which means we can expand the production, bring in all the guests you want to see and continue to do in this thing we love.
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Und das sollte es sein. Und es funktioniert so, weil du auf die Dinge zurückgehst, die du nicht interessierst. Statt deine Finanzen zu ignorieren und zu sagen, oh, das ist furchtbar, ich schaue nicht auf die Zahlen, die Zahlen schämen mich. Du schaust auf die Zahlen, du siehst, wo du Geld investierst und du zurückgehst auf Bereiche, die du nicht interessierst.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Und du steigst mehr auf die Bereiche, die du interessierst. Dass du glücklicher bist und es dich glücklicher und mehr erfüllt macht.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Ja.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Nicht lieben, sondern lieben. Let's start there. That is so, so good. And I think that's a lot more effective at helping someone get on top of their finances because people don't get motivated. Sure, people can be motivated by fear, right? If your finances are falling apart, fear is going to force you to figure something out. But it's a lot more fun to focus on the positive things, right?
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
And to think about, okay, I want to hopefully one day be wealthy. How can I get there? And rather than thinking about Oh, das ist zu teuer. Ich kann es nicht verdienen. Anstatt immer zu sagen, ich kann es nicht verdienen, ich kann es nicht verdienen, ich kann es nicht verdienen. Es ist wie, was, wenn du die Frage fragst, wie kann ich es verdienen?
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Ich liebe, dass du jetzt ein neues Buch hast, Money for Couples, von dem ich dir sehr danke, dass du dich so glücklich gemacht hast. Ich freue mich wirklich darauf. Als wir gesprochen haben, habe ich mir gedacht, dass ein Paar, das dieses Podcast jetzt hört, Probably got married and things were really good. They were vibing well. They had great chemistry. They laughed a lot.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
You said that you and your wife laugh a lot. I love that because Abby and I laugh a lot too. That's something that I love about her. She's so freaking funny. Most people don't get married when things are bad. They get married because things are good. What a lot of people fall into is Money problems. Things are good. They're not thinking about money when they get married.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
And then now all of a sudden they're arguing about money all the time. It's a huge point of conflict. And so what do you do in that situation? How should couples who genuinely do love each other deep down, but they're fighting all the time about money and they don't know how to fix it, what should they do?
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Ich fühle mich gerade so schuldig, weil wir... Okay, also wir sind glücklich, in einer guten finanziellen Position zu sein, wie wir es früher nicht waren. Wir waren sehr nackt, als wir zum ersten Mal verheiratet waren und in Low-income Housing lebten. Aber ich fühle mich, dass wir mehr über Geld reden müssen. Ich weiß, dass wir darüber nicht genug reden.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Unlimited books. I know when you said limited books. Wait, that's amazing.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Oh my gosh. Nicht viel. Ich freue mich immer, wenn sie mir sagt, du machst gut. Ich erinnere sie mir, dass das Geschäft gut ist und wir machen gute Geld. Und ich erzähle ihr über unsere Investitionen. Ich sage ihr, wir können investieren. Wir investieren so viel hier jeden Monat. Und sie wird darüber verabschiedet.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Denn es fühlt sich wirklich gut an, wenn dein Geld für dich arbeitet, nicht andersherum. Wenn du immer ein Schlag für Geld bist und du arbeitest, um es einfach für dich zu bezahlen. Ich finde, das ist ein schrecklicher Weg, um zu leben. Wie oft?
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Abby, du hast gesagt, als wir auf dem Flugzeug hier in New York City waren, hast du gesagt, dass du dich sehr viel verbunden hast. Ich denke, dass die Frau auf Ramits Fernsehshow, weißt du, dein Fernsehshow ist How to Get Rich auf Netflix. Und du hast gesagt, dass du dich sehr viel mit ihr verbunden hast, weil sie sagte, wie es fühlt sich an, als würdest du dir sicher fühlen, wenn es um Geld geht.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Was... Fülle mich auf das ein. Erzähl mir mehr über deine Sicht. Warum schaust du mich so an?
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Und auch wenn du die Show auf dem Flugzeug gesehen hast, hast du mir gesagt, sind wir okay? Haben wir genug Geld in unseren Accounts? Du warst wirklich überrascht, als du die TV-Show gesehen hast. Und ich denke, es ist, weil du nur viel Geld verwendest, mehr Geld, als wir normalerweise auf Weihnachtsgifte verwendet haben.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Wir haben ein bisschen mehr verwendet, aber das war alles, was wir verantwortlich hatten. Kann ich dir eine Frage stellen?
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Ich glaube, wir haben ein neues Haus gekauft. Ja, wir haben ein neues Haus gekauft.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Yeah, I guess I am. What do you mean by that? Because I don't feel unsafe when it comes to money. I don't feel worried.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Ja, das macht total Sinn. Ich denke... Ja, das macht viel Sinn. Ich denke, wenn es Kategorien gibt, manchmal, wenn du deine Nähmchen fertig machst, bist du so, ist das eine schlechte Idee, meine Nähmchen fertig zu machen? Ich bin so, Babe, wir haben, es ist in der Budget. Ja. Wir sind entspannt, wir machen gut. Warum hast du das gefragt?
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Ich denke, es ist wirklich, weil wir das Monatliche Geld-Meeting haben sollten. Ich denke, wir müssen zusammen auf der Bühne sein, was die Vision für unsere Familie mit Geld ist. Und ich habe es immer hier in meinem Kopf gehabt. Aber nicht auf dem Papier. Ja, und ich weiß, dass wir auf einem guten Weg sind.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Aber meine größte Angst, und es ist lustig, dass viel von dem zurückgeht, meine größte Angst ist, Sagen wir, ich fahre in einen Auto-Anschlag und gehe weg. Abby hat keine Ahnung, was die Vision für unser Geld ist. Sie hat keine Ahnung, was der Plan ist, weil ich in der Schule für Finanzierung ging. Ich bin sehr begeistert von Geld und Investitionen.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Ich denke, es ist wirklich, ich denke, es ist so viel Spaß. Und ich denke, es ist ermutigend für Menschen generell, ihr Leben zu nehmen, ihr Leben durch die Räume zu nehmen und ihre Leben zu kontrollieren. Ich denke, weil viele davon hier sind, wenn ich sterben würde, würde Abby nicht wissen, wo unsere Accounts sind. Sie würde nicht wissen, wo die Sachen sind.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Und ich denke, das ist nicht eine gute Sache.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
So interessant.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Aber was, wenn ich bei McDonald's arbeite, okay, ich sage das, weil ich eigentlich in der Schule bei McDonald's gearbeitet habe, aber was, wenn ich bei McDonald's arbeite, ich mache 40.000 pro Jahr und ich spende 10 Dollar pro Tag bei Starbucks, jetzt steige ich, du weißt, fast 10 Prozent meines jährlichen Wertes auf Starbucks, würde das nicht eine Situation sein, in der es so ist, dass du den Kaffee nicht bekommen solltest?
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Wait, what did I explain? You want to say it? I don't know if we should expose it. Quiz time. We don't have to talk about amounts.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
We don't need to say amounts. We don't need to say which investment vehicles.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Ja, du solltest das wahrscheinlich nicht tun.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Well, yeah, I mean like a goal for us is to make enough passively from our investments to where we wouldn't need to work anymore. So that like our work would just be purely for the passion of it. And Das macht mich aufregend, wenn wir darüber reden.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Es ist, als würdest du deine Waschmaschine so machen, wie du sie machen willst. Die Waschmaschine ist mein Job. Ich werde es so machen, wie ich es möchte. Und wir müssen nicht darüber kämpfen. Ja, und ich denke, die Waschmaschine ist gut.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Ich habe das bemerkt, als wir geredet haben. Warum spreche ich nicht mehr mit Abbey über Geld? Und dann habe ich gemerkt, dass ich ein bisschen entspannt geworden bin, als Abbey jetzt einige Brand-Deals auf ihren sozialen Medien-Accounts macht, die nur ihres sind. was wirklich großartig ist.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Was lustig ist, ist, dass Abby wahrscheinlich nie auf Social Media eingegangen wäre, wenn es nicht für mich gewesen wäre, weil es mehr so war, es war mehr so wie meine Leidenschaft für Videokreation, die uns dazu führte, das zu machen. Aber sie ist einfach extrem talentiert, wenn sie auf der Kamera ist. Und sie ist so lustig und so wie Sie hat einfach nur eine furchtbare Persönlichkeit.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Ich glaube, ein Teil meiner Geldschmerzen ist weggegangen, als ich dachte, wenn ich sterbe, wäre sie in Ordnung. Sie macht so viel Geld selbst. Sie könnte in Podcasts reden, wie hart es ihr war, als ihr Mann von einem Bus getötet wurde.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Wenn ich von einem Bus getroffen wurde und du nicht davon verantwortlich warst und auf einen Podcast gehst. Monetiere es. Sie kommt alle in schwarz.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Wenn ich von einem Bus getroffen werde, oder auf einem Berg fliege, bitte schreibe ein Buch darüber. Das wäre so cool. Ist das ein Ding, dass wir über die Todesgeschichte lachen?
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Ich fühle mich wirklich gut beim Planen und Vorbereiten von Mahlzeiten. Du bist eine tolle Mutter, ein toller Host. Wir haben jeden Tag jemanden in unserem Haus, wie eine Großmutter, eine Tochter, einen Onkel, einen Freund. Unser Haus ist eine fliegende Tür. Abby ist ein unglaublicher Host.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Du hast viel erwähnt, wie nervig du bist, wenn es um Sprechzeichen geht. Ich bin genauso. Ich liebe die Zahlen. Ich liebe das. Ich finde es lustig. Es macht mich aufgeregt. Bist du nicht seltsam? Sind wir nicht seltsam? Es ist seltsam. Es ist etwas falsch mit uns. Ich liebte Mathematik in der Schule. Ich weiß nicht. Es war nur einer meiner Lieblingsbereiche.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Aber was sollte jemand tun, wenn sie nicht so ist, aber sie wollen ihre Finanzen durch die Räume nehmen? Ist es eine... A money app that you would recommend?
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Schau, schau, schau, schau, schau, schau, schau, schau, schau, schau, schau, schau, schau, schau, schau, schau, schau, schau, schau, schau. I'm glad you said that because something that I've learned recently is you can say the right thing, but to the wrong audience and it doesn't communicate correctly.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
So I was communicating all these exciting things about money and growth and stuff that would just get me fired up, but I was using language die nicht zu der Person spricht, die Abby ist, der Publikum, mit dem ich gesprochen habe. Und es würde sie einfach erschrecken. Es würde sie einfach überraschen. Und ich denke, ich bin froh, dass du das erwähnt hast.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Weil, ja, es ist wie, ich spreche eine andere Sprache. Sie ist wie, was zur Hölle sagst du?
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Ich finde es so viel Spaß. Weißt du was? Ich habe es bemerkt, als wir darüber gesprochen haben. Geld bedeutet mir Freiheit. Und der Grund, warum es mir Freiheit bedeutet, ist, weil ich sehe, wie Menschen mit Geld ihre Uhr wählen können, was sie jeden Tag machen können, wenn sie zu dem Punkt kommen, wo sie nicht mehr für Geld arbeiten müssen.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Und außerdem, weil ich denke, zuerst brauchst du persönliche Freiheit, aber dann gibt es dir die Freiheit, wirklich gute Dinge in der Welt zu tun. Wir sind in New York City und ich habe gerade Leute gesehen, die draußen nicht wohnen. Und wo wir leben, sehen wir nicht Leute, vielleicht ist das jetzt der richtige Begriff, aber wo wir leben, sehen wir nicht immer Leute, die nicht wohnen.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Und es bricht mein Herz. Ich bin einfach so, wie können wir das lösen? Wie können wir diese Leute helfen? Wenn du kein Geld hast, kannst du nicht so viel machen. Ich meine, du kannst dein Zeitvolumen unterstützen, aber wenn du viel Geld hast, kannst du viele coole, tolle Dinge machen, um die Welt ein besserer Ort zu machen. Und das macht mich gespannt.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Freude, ein Vollzeit-Stay-at-home-Mom zu sein.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Love that.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
For someone that's listening that might be confused. Abby works, basically works part time. Would you say you were like 30, 20 to 30 hours a week?
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
And so she spends a lot of time with the kids throughout the entire week. Und ich arbeite auch oft mit den Kindern. Ja, Abby arbeitet mit den Kindern viel. Ich arbeite mit den Kindern morgens und dann abends, aber ich arbeite von acht bis fünf, Montag bis Freitag.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Aber für Abby, was die Leute nicht verstehen, ist, dass es viele Sachen gibt, die hinter den Szenen gehen, wenn du ein Instagram, TikTok, YouTube, Facebook, Snapchat-Account hast, das du runnen musst. Es gibt viele Sachen, die Abby hinter den Szenen macht und ich auch. Also für sie... Social Media ist ihr Job. Das ist viel Arbeit. Es ist viel Arbeit. Sie ist eine Part-Time-Stay-at-home-Mom.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Ich weiß, dass Abbey eine Full-Time-Stay-at-home-Mom sein würde. Ich weiß nicht, ob ich eine Stay-at-home-Mom sein würde, weil ich noch Arbeit mache.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Ich liebe, wie du... Wir hatten gerade eine Money-Therapie-Session mit dir, die mit uns gesprochen hat. Das ist so, so gut. Und ich fühle mich, dass die Leute, die das hören, wahrscheinlich denken, man, ich sollte wahrscheinlich das gleiche machen. Ich wünsche mir, dass jeder die Erfahrung haben könnte, dass du sie durchlaufen kannst. Ich habe diesen Episode zu deinem Mann gesendet.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Wir sind zusammen.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Du öffnest dich, sprichst über dich selbst, anstatt zu sagen, du hast es falsch gemacht. Du hast es falsch gemacht. Du hast es falsch gemacht.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Ja.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Don't quiz me on the money types because I definitely heard. So, to refresh.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Ah.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
9-5s können großartig sein. Ich stimme dazu. Wenn das in deine Ziele passt, als Mensch, was ist mit einem 9-5?
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
I feel like a lot of people though who are listening to this might be in a situation where they can't afford a therapist because obviously the issue is money. What do you do in that situation if you can't afford a therapist? Like who should step in? Who should be the mediator between the two of you?
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Ich liebe es, dass du gesagt hast, dass es freie Ressourcen gibt. Ich habe gehört, dass Kirchen, Tempels und andere religiöse Organisationen freie Ressourcen gibt. Oder es könnte sogar ein wirklich vertrauter Freund sein, wenn du in der Situation bist, in der du Therapie nicht erlaubst.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Weil ja, ich meine, das ist das, was über Geld stinkt, dass die Geld-Konversation nicht auf dem ersten Tag passiert. Normalerweise, weißt du, manche Leute sind seltsam und haben diese Konversation. Ich könnte seltsam sein, wenn ich diese Sachen aufbringe. Aber wie du weißt, für die meisten Leute ist es nicht so, dass sie nicht darüber sprechen, bis die Dinge nach Süden gehen.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Und das ist, weshalb ich liebe. Das ist, weshalb ich liebe die Ressourcen, die du versorgst. Ich liebe auch, dass du vulnerable bist, wie du es vorhin gesagt hast, darüber zu sprechen. zu deiner Schwester zu sagen, dass du eine Präsentation hast, weil das etwas ist, das ihr durchgebracht habt. Kannst du mich mehr erläutern, worum dieser Prozess ist?
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Weil das ist, äh, diese Welt ist für mich außergewöhnlich.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Ja, du lachst zu deinem künftigen Sohn und sagst, ja, mein Familienarzt. Der Arzt. Oh, diese Arbeiter in diesen Tagen, Mann.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Du warst so, was? Well, I knew when I listened to your podcast. You were on a podcast like a year and a half ago. I listened to it. It was a very, very good podcast. And you said that you were renting then. I thought, well, surely like a year and a half later, like I'm sure the New York Times bestselling books done pretty well. You probably made some good money off that.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Wie navigierst du das denn? Weil ein Arbeiter soll für dich kämpfen in deinem besten Interesse. Ja, aber dann bezahlst du für sie. Also willst du ihren besten Interesse, aber dann brauchst du auch deinen besten Interesse und du wirst verheiratet. Das scheint so eine schwierige Sache zu sein.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
So even now you're still renting. Warte, warte. Lass uns die Satzung weitergehen.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
But it was totally worth it. I really want to talk about combining your assets because there's so many different opinions on that.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
They do the Venmo thing.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
And we actually combined our finances before we got married, which you probably wouldn't recommend. I don't think that's a good idea. Probably not the best idea. But before we get into that though, I do want to ask, I'm so still curious about prenups, I'm so curious. What do most people do with a prenup?
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Well, yeah, do you have like a timeline of like, okay, if we're together for 50 years and the prenup disappears, or do most people do the thing of... Ja, was sieht das aus?
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Es ist witzig, dass du das sagst, weil das erste Mal, als ich über Pränumente gehört habe, war, als meine Mutter es mir mitgebracht hat, weil wir einen extremen Familienmitglied hatten, ich vergesse ihren Namen oder wer es war, aber einer unserer extremen Familienmitglieder verabschiedete sich mit jemandem, verabschiedete sich mit einer sehr reichen Familie, und diese Familie wollte, dass dieser Individuum ein Pränumant ist.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Ja, das macht Sinn. Und ich glaube, meine Mutter, Familienmitglieder, Eltern oder so, waren nicht glücklich darüber. Sie dachten, dass das wirklich dreckig war, diese reichen Knobels, diese schlechten Leute. Das war das Einzige, was ich von ihnen gehört habe. Also dachte ich mir, oh ja, warum würdest du das überhaupt tun? Das ist schlecht.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Ja, ich bin nicht verrückt. Warte, sieben Tage von der Zeit, als ihre Eltern entschieden haben, dass sie verheiratet werden.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Können wir die Leute aufgeregt machen für einen Moment über Geld? Ich weiß, lass uns das kurz halten, weil ich fühle, als wäre ich ein Nerd und ich mag diese Dinge. Vielleicht würde jeder anderen das nicht interessieren. Aber können wir, wie ist da ein bestimmter...
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
illustration or example we could give of if you invest x amount every month for so many years this is what you'll end up with after it compounds like is there like a certain example you want to do that well we can do the actual calculator should i do it yeah search for compound interest calculator compound interest has me do this all the time
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
A 25-year-old female who's married and has a kid. Ich liebe es.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Ja, soll ich 60 sagen, um konservativ zu sein? 60.000 pro Jahr?
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Also sagen wir 80k.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Okay, also 5.000, die monatliche Beiträge von 5.000.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Starting at $25 till they're $65?
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
And we'll be conservative. We'll say they didn't save, they spent all their money, they had zero in savings. So, initial investment zero, 450 bucks a month, and this is for 40 years. Interest rate, should we do 7% to be conservative?
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
In deinem Buch sagst du, dass die 10. Regel um Geld ist, die richtige Person zu heiraten. Aber in einer Interview hörte ich dich sagen, dass du fast sagen kannst, dass das die wichtigste Regel um Geld ist. Why is marrying the right person the most important rule when it comes to money?
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Okay, and then... Hold on, so...
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
500.000. Wow, okay, das ist ein guter Wunsch. Was hast du? Alter, ich habe schon die Nummern, also will ich es nicht spoilern. Sag die Nummern. Okay, hier ist meine Frage. Oh Gott. Das ist mir dumm. Die Komponentenfrequenz sollte jährlich sein, oder?
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Okay, weil es sagt, nach 40 Jahren von 450 Dollar pro Monat, ist es 1.078.029 Dollar, was verrückt ist. Okay, was denkst du? Okay, also ich habe nicht sehr gut gemacht.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Matt kann sich nicht kontrollieren. Ich muss sagen, dass die totalen Beiträge über 40 Jahre 216.000, richtig? Du hast 450 Dollar pro Monat. Das ist ein guter Teil. Aber was verrückt ist, dass die 216.000 in einen, ja, über 1 Million geworden sind, was einfach so ist, dass du fünf extra Geld hast.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
1,5.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Sie werden, wie ich finde, 2-3 Millionen Dollar ohne viel Arbeit haben. Ja, die meisten Leute machen mehr mit 35 oder 45, als wenn sie 25 waren. Was cool ist, ist, dass man 1 Million Dollar hat, If you make like not the most money for, like, yeah, if your salary doesn't change at all, you could still be a millionaire. Multi-millionaire.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Wir würden das nicht tun.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Ja. Ich liebe, dass du dich dazu gebracht hast, ein Haus zu kaufen, weil ich das Gefühl habe, dass die Entscheidung um ein Haus zu kaufen, eines der größten Themen für Frauen ist. Für verheiratete Frauen, unverheiratete Frauen, einfach jeder im Allgemeinen, der in seinen Zwanzigern ist, der über die Zukunft denkt, wie ich ein Haus kaufen will. Es ist der amerikanische Traum, richtig?
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Der weiße Picket-Fenster. Du hast die Kinder im Wohnzimmer spielen. Buying a house is such, it's also like a flex too. Like if you're a young person and you own a house, I feel like there's like this status of like, oh, well, I own a house, whatever. And that's why I respect you so much for being the money guy who's like, you know, teaches people about money, but you don't even own a house.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
So can we talk about that? What's, what... Let's talk about the house buying decision.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Ramit Sethi is no Dave Ramsey. He does not care if you spend $15 on a latte or if you decide to spend money on first class plane tickets. But what he does care about is spending relentlessly on the things you love and cutting back on areas that you don't really care for. Diese Perspektive hat ihm geholfen, Millionen von Paaren und Familien darüber zu lernen, wie sie wissend über ihr Geld sind.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
viel mehr, weil du nur all das Geld nimmst, was du verdienst und investierst.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Wrong! If the lender qualifies me.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
I love how when you get fired up, your figure starts to do this, your voice raises.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
I'm glad.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Oder sie relying auf den Realtor, um ihnen finanzielle Hinweise zu geben. Ja, das ist verrückt. Der Realtor ist ein Verkäufer. Danke. Sie verkaufen dir ein Haus. Sie machen viel Geld aus dir, weil sie ein Verkäufer sind.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Sorry. Ich liebe die Rage. Ich liebe es. Es füllt mich. Abby, bist du jetzt unbequem?
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Wie fühlst du dich? Ich kenne dich als... Okay, du sagst, run the numbers.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
You'd buy. Why? Because if you're going to pay the same amount to own, why would you pay that money and not own the asset?
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Wir haben ein Rentengebäude gekauft und es war ein Schmerz. Wir hatten so viele Dinge zu brechen. Es wurde in 1958 gebaut und wir hatten, wie, alles brach, wie, alles. Wir mussten das Haus wiederholen, alles wiederholen, den Ruf wiederholen, das Plumbing wiederholen. Es war, wie, es gibt einen Film namens Money Pit. Ich fühle mich, als ob wir in diesem Film lebten.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Ich liebe es.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Ja, das ist, äh, das ist bemerkenswert, denn selbst als jemand, ich weiß nicht, ich mag es, zu denken, dass ich ziemlich frugal bin, wie ich mag, ähm, ich mag es, bewusst zu sein, was wir sparen. Und so, du weißt, als unser Einkommen erhöht ist, habe ich natürlich mehr in verschiedenen Bereichen, Bereiche, die ich kümmere mich um und so weiter.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Aber als es kam, ein Haus zu kaufen, habe ich nicht tatsächlich Ich habe einfach nur die Zahlen gemacht. Ich habe einfach nur die Zahlen gemacht. Oh mein Gott. Ich habe einfach nur die Zahlen gemacht. Ich habe einfach nur die Zahlen gemacht. Ich habe einfach nur die Zahlen gemacht. Banking on my house being my main asset to build wealth, I think that's a really poor metric.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
I think if you're banking on your house being your retirement plan, I think that's a really poor plan.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Okay, ich werde meinen Vater unter den Bus legen. Ich liebe meinen Vater, er ist großartig. Ich lege ihn nicht unter den Bus, ich teile ihn nur. Ich fühle mich, als mein Vater die Toilette, den Sink, unsere Hausbäckerei, die Rüste anbaut hatte. Er machte immer Home Improvements. Ich glaube, er liebt es. Für ihn war es Spaß, das zu machen. Du hast gesagt, dass jeder seine Zeit wertvoll ist.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Und ich denke, dass die Leute vergessen, dass du einen hohen Teil deines Lebens sparen kannst, um dein Haus zu reparieren. Du kannst einen hohen Teil deines Lebens sparen, um nach Home Depot zu gehen und all diese Dinge zu kaufen, um mehr Geld zu sparen, um das Haus zu behalten, das du hast. Ich denke, du bist spot-on, wenn du sagst, um die Zahlen zu machen.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Denn die Leute denken einfach nicht darüber nach.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Und alles, was du tust, ist, dass du einfach in einen Search Engine klickst, Rent versus Buy, Kalkulator.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
On the loan, yeah.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Are we boring you right now, Abby?
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Ja, das ist wirklich gut.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
You're going to hate me. I was the guy that would be like, oh man, if I drive like a mile more to the next gas station. Oh my God. You still do that. That's f***ing insane. Am I going to save five cents a gallon? Oh, it's more. Okay, now I'm going to drive back and waste more gas money to go get the cheaper gas.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
I like how he goes, I used to. And it turns out he did it yesterday. Hey, we drive a Tesla now.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
I spent $16.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
It was so convenient though. I was tired. I was about to go to bed. We were just chilling out in our bedroom.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Ich liebe es. Ich liebe es, dass deine Philosophie für jedes Individuum spezifisch ist. Es ist nicht ein Ein-in-ein-Fitz-All. Es ist nicht ein Stopp trinken dein Latte. Es ist ein spezifischer Plan für jedes Individuum und ihre Bedürfnisse. Und ich denke, das ist so, so gut. Und ich denke, wir müssen das in unserer Gesellschaft normalisieren. Danke.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Danke nochmal so viel für dein neues Buch.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Ja. Ja, ich denke, das ist der beste Weg, um es so zu sagen. Ich fühle mich gesehen, dass ich nicht die Geld-Konversationen hatte, die ich schon lange mit Abby hatte. Ich weiß, dass ich nicht allein in dem bin. Und das ist wirklich inspirierend für mich. Ich kann es machen. Wir können unsere monatlichen Beratungen über Geld machen. Und wir sind nicht allein in dem. Also danke, Ramit.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Danke so sehr, dass du auf dem Show bist.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Everybody go check out his new book and definitely check out his podcast. I'm excited to continue learning more from you as we continue our relationship. So thank you so much. It's my pleasure.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Er ist auch ein bestseller New York Times-Author und hat seinen eigenen Show auf Netflix. Wir sprechen über Pränups, kombinierende Finanzen und warum es möglich ist, ein Haus zu kaufen, eines der größten Fehler, die du je gemacht hast.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Ich habe gehört, dass du darüber geredet hast, als wir auf dem Flugzeug waren. Ich dachte, okay, vielleicht sollten wir etwas verbessern. Warum hast du das entschieden, das zu tun? Weil du recht hast, es ist manchmal wie Quadrupler, um Geschäftsklasse über die Wirtschaft zu bekommen. Weil ich es kann und weil ich es will.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Wait, actually, I don't think we've ever, we've never once paid for anything other than economy, have we?
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Like doing social media, like there's been two times maybe, maybe three times where a brand has paid for us to be in like the business class or whatever, just get a little bit more leg room. But I read that and I was like, man, this guy, he's balling, dude.
The Unplanned Podcast with Matt & Abby
Ramit Sethi on Prenups, Renting vs. Buying, & Joint Bank Accounts - Financial Advice for Couples
Das erste, was Abby mir gesagt hat, als ich ihr sagte, dass wir einen Geld-Experten auf unserem Show haben, war, dass dieser Typ mir sagen wird, dass ich Lattes nicht mehr kaufen kann. Wait, have you heard of my work?