8 Money Habits To Start Living Your Rich Life (+ real life stories)

[00:03:29]
Ron:
I’m
not
cheap
because
I
don’t
mind
spending
money
when
we
have
it.
I’m
frugal
because
I
just
see
dollar
signs,
dollar
signs,
dollar
signs,
and
then
I
just
imagine
these
numbers
in
my
head
like,
we’re
going
to
be
spending
this
huge
amount
when
in
reality,
she’s
already
got
it
budgeted
because
she’s
good
at
doing
that
where
it’s
only
going
to
be
a
small
amount.
So
I’m
already
imagining
the
worst.

[00:03:50]
Ramit:
What’s
the
frugal
part
of
that?

[00:03:55]
Ron:
Okay.
Maybe
cheap.

[00:04:35]
Ramit:
Cristina,
I’m
curious,
from
your
perspective,
that
same
conversation,
what
do
you
remember
happening?

[00:04:42]
Cristina:
I
told
him
about
it
and
his
automatic
response
was
no.
I
know
every
time
I
approach
him,
I
already
have
a
game
plan
with
him.
I
tell
him
like,
this
is
how
it’s
going
to
be.
This
is
how
I’m
going
to
save
money.
But
before
I
get
there,
when
he
says
no,
it
really
frustrates
me,
and
I
get
really
sad
that
before
I
can
even
tell
him
how
I
can
save
money
and
enjoy
my
time,
it
almost
seems
like
he
is
raining
on
my
parade.

[00:05:10]
And
I
can’t
even
plan
with
him
or
make
proper
decisions
with
him
of
like,
if
I
give
him
a
plan
of,
well,
I’m
going
to
use
this,
and
I’m
going
to
do
this
to
save
us
money,
so
I
can
afford
this,
I
can’t
even
have
that
with
him.
Automatically,
the
end
of
the
conversation
is,
okay,
you
know,
the
money.
If
you
say
we
can
do
it,
then
do
it.

[00:05:32]
Ramit:
Okay.
Out
of
curiosity,
Ron,
if
I
asked
you
how
much
is
in
your
checking
account,
within
25,000,
how
much?

[00:05:45]
Ron:
Well,
it’s
not
25,000.

[00:05:50]
Ramit:
Ballpark
it.

[00:05:54]
Ron:
Seven
to
10.

[00:05:55]
Ramit:
All
right.
And
within,
let’s
say
a
savings
account,
how
much
would
you
say
is
in
there?
Your
savings
account.

[00:06:02]
Ron:
Oh,
I
mean
my
personal
savings,
I
don’t
know,
2,000,
but
we’ve
got
a
couple
of
different
accounts
though.

[00:06:09]
Ramit:
All
right.
And
your
joint
savings
account,
how
much
would
you
say?
Cristina
is
looking
at
this
like
this
is
literally
the
most
entertaining
reality
show
she’s
ever
seen.
Cristina,
am
I
getting
this
right?

[00:06:23]
Cristina:
Yeah.

[00:06:24]
Ramit:
She
cannot
stop
smiling
for
the
last
two
minutes.
All
right.
Sit
tight.
Ron,
joint
savings
account,
ballpark
it
for
me.

[00:06:31]
Ron:
10.

[00:06:32]
Ramit:
All
right,
fine.
Cristina,
what
do
you
say?

[00:06:35]
Cristina:
Off.
Completely
off.

[00:06:38]
Ramit:
Like
how
much
off?

[00:06:39]
Cristina:
A
lot
off.
Accounts
are
not
even
right.

[00:06:43]
Ramit:
Okay,
well,
the
checking
account,
I
think
Ron
said
7k.

[00:06:47]
Ron:
Yeah,
seven
to–

[00:06:48]
Ramit:
What
was
he
talking
about?

[00:06:49]
Cristina:
So
his
personal
checking
account
is
at
2,200.

[00:06:53]
Ramit:
Okay.

[00:06:55]
Cristina:
My
personal
checking
account
is
around
four
because
I
just
got
paid.

[00:07:00]
Ramit:
All
right.

[00:07:00]
Cristina:
Our
joint
savings
account
is
about
8,500,
and
then
our
joint
checking
account
is
about
4,600.

[00:07:11]
Ramit:
He’s
not
that
far
off.
Ron,
I
think
you’re
in
the
universe.
He
didn’t
say
$200,000.

[00:07:18]
Cristina:
Yeah,
that’s
right.

[00:07:19]
Ramit:
All
right.
You
know
what?
Ron,
I’m
giving
it
up
for
you.
You
were
closer
than
I
thought.
That’s
impressive.
Cristina,
how
come
you
think
he’s
wildly
off?

[00:07:29]
Cristina:
Because
every
time
he
talks,
he
has
two
mentalities.
It’s
either
we’re
poor
or
we
don’t
have
money.