7 Bad Money Habits Killing Your Finances (and how to recover)

[00:03:12]
Ramit:
How
long
have
you
two
been
together?

[00:03:15]
Carrie:
Almost
eight
years.

[00:03:16]
Ramit:
Eight
years.
Okay.
Carrie,
when
you
got
together
with
Taylor,
were
you
already
pretty
savvy
with
money?

[00:03:25]
Carrie:
Yes.
Maybe
not
great
at
doing
all
the
things,
but
I
knew
what
I
should
be
doing
and
was
doing
some
of
those
things,
for
sure.

[00:03:33]
Ramit:
Was
it
concerning
to
you
at
all
that
Taylor
was
not
at
the
same
level
of
financial
savviness?

[00:03:39]
Carrie:
Once
I
realized
it,
it
took
a
while.
Yeah.

[00:03:44]
Ramit:
How
long?

[00:03:46]
Carrie:
Probably
six
months
of
dating.

[00:03:48]
Ramit:
So
Carrie,
we’re
here
to
talk
about
the
role
of
money
in
your
relationship
with
you
and
Taylor.
And
I
was
struck
by
the
application
that
you
wrote.
Uh,
has
Taylor
seen
that
application?

[00:04:02]
Carrie:
He’s
not.

[00:04:03]
Taylor:
Oh,
no.

[00:04:03]
Ramit:
Okay.
Uh,
would
you
mind
if
I
read
some
of
it
out
loud
here? 

[00:04:08]
Carrie:
Sure.

[00:04:09]
Ramit:
Okay.
Taylor,
the
reason
that
I
was
struck
by
this
was
the
severity
and
seriousness
of
the
words
that
Carrie
wrote.
“I’m
a
33-year-old
woman
who
has
been
in
an
eight-year
long
relationship
with
my
partner,
and
we
still
can’t
figure
out
how
to
talk
about
money
together,
and
I’m
at
my
wits
end.
I
have
been
ready
to
get
married
for
the
last
three
or
so
years,
and
now
that
he
makes
more,
he’s
starting
to
express
his
desire
to
take
that
step
too.

[00:04:41]
“However,
in
the
back
of
my
head,
I
feel
hesitant
to
say
yes
because
I
am
so
frustrated
with
his
lack
of
care
or
desire
to
talk
about
financial
concerns,
plans,
etc.
I’M
SO
TIRED
OF
VENMO
REQUESTS
AND
FIGURING
OUT
WHO
PAYS
FOR
WHAT.”
I’d
like
to
pause
there.
Carrie,
you
remember
writing
that?

[00:05:10]
Carrie:
Mm-hmm.
The
wits
end
part
was
I
feel
like
I’ve
tried
a
lot
of
different
avenues
to
make
it
exciting,
or
to
ask
a
question,
or
to
draw
him
in,
and
he
gets
really
excited
about
the
dream
planning.
We
love
to
talk
about
the
dreams,
and
what
could
it
be?
But
then
when
I
start
delving
into
the
details,
it’s
a
complete
shutdown
and
block.

[00:05:38]
Ramit:
Thank
you.
Taylor,
hearing
what
Carrie
wrote,
how
do
you
receive
that?

[00:05:50]
Taylor:
Me
being
me,
uh,
sucks.
I
don’t
want
to
say,
though,
that
it
hurts
because
it
doesn’t.
I
don’t
care.
She’s
the
one
that’s
feeling
this
way,
so
it
just
sucks.
Yeah.
It
just
sucks
to
hear.
Because
I
should
be
better
and
should,
I
don’t
want
to
say
be
more
of
a
man
in
this
situation,
but
be,
um,
just
more
communicative
and
a
better
partner
in
general.
Uh,
I
don’t
care
about
what
I’m
feeling.
I
care
about
what
she’s
feeling.

[00:06:37]
Ramit:
But
I
care
what
you’re
feeling.
So
what
are
you
feeling
right
now?

[00:06:45]
Taylor:
Oh,
man.
Uh,
probably
the
one
emotion
I
hate
feeling.

[00:06:53]
Ramit:
Tell
me.

[00:06:54]
Taylor:
Uh,
disappointment.

[00:06:55]
Ramit:
At
who.

[00:06:57]
Taylor:
Myself.