[upbeat music playing]
♪ 'Cause when I'm with you ♪
♪ Oh ♪
♪ When I'm with you... ♪
- Awesome. Thank you. - Thank you.
♪ Oh ♪
Money is such an important part of marriage.
It doesn't have to be something that you ignore.
It can be something that's natural, that you talk about regularly,
and it gives you great joy.
I'm meeting up with Drew and Mikey.
Now that they're married,
I wanna sit down and have them go through their numbers together,
and I want for them to be able to talk about money regularly
and not shy away from it.
- [Ramit] Hello. - [Drew] Hello, sir.
Wow, a newly-married couple. How you two doing?
[Mikey] Really good.
Living that blissful post-marriage life, I guess.
How was the wedding?
So much fun. It was so good.
We wore florals for a spring wedding.
- Groundbreaking. - [Ramit chuckles]
[Drew] It was a little love bubble. Big old par-tay.
I love it. You look very happy.
Okay. Can we look at your conscious spending plan?
- Yeah. - I saw you sent it over.
Let's just talk through this. Okay, your investments are at zero.
Mikey, what do you have to say about that?
- It is what it is. So we have to work... - [Drew] Yeah...
- We'll have to work on that. - Yeah.
- Can I make a suggestion? - [Drew] Yeah.
There's one thing glaring off the page. It is...
you need to earn more.
And, you know, I love that.
Because it provides clarity.
"Should I do this, should I do that? I spent this much."
- "Should I get a taxi?" - [Drew] Yeah.
No, it's very clear.
This conscious spending plan tells you one thing and one thing only.
You need to earn more.
The clarity was, like, absurd. 'Cause before I was just like,
"I don't know what I'm making now."
"I don't know what's going on. I just know I'm broke."
And now it's, like, there's answers to those questions.
- If and when you start making more... - [Drew] Yeah.
...where is the money going to flow?
That is going to my debt.
- [Ramit] Okay. - For now.
I think it's really important that you be investing every single month.
- [Drew] Okay. - Even if you have debt.
That's where your real wealth is created.
Okay? So I do want you to be investing at least $50 a month.
Okay. I can do that.
[Ramit] All right.
I see the rent. I see...
It looks like, uh, Drew, you're paying Mikey back for the wedding.
How much is that amount?
- Five grand. - [Ramit] Five grand.
And I see right now it's $100?
I didn't know you'd put that in there.
- You added that after we talked? - Yeah.
I'd prefer if you would actually put that in savings. For yourself.
Until you get to a point where you're comfortable,
and then we can revisit that.
I appreciate that. Like, I appreciate that a lot,
but, like, I just... With this whole process,
part of it is me being able to own... own my debt.
'Cause me paying you back is helping me too.
More than I think putting it into a savings.
With at least my...
How I feel about it.
[Drew] I want to stop relying on Mikey.
Before, I would've shut down and ran away,
and now I'm figuring out how to make it work.
Okay. That's fine.
- If that's what you want. - [Ramit] Done.
- [Drew] All right. - Okay, awesome.
I like seeing you speak up.
- You know this stuff now. - [Drew] Yeah.
- When we met, you didn't know this stuff. - I did not.
You know it now. And that confidence... I like seeing you articulate.
I now know where money's going. I'm now, hopefully, am gonna make more,
so, like, I'm not scared to have those conversations with him anymore.
He's probably excited right now.
He's like, "Thank God someone else is telling this to him."
- Well, it's... it's good. - Yeah.
'Cause now I'm learning how to, like, have these conversations with you.
- As opposed to at you. - Yeah.
It's so transformative watching this dynamic that was very much,
you know, teacher-student,
and now it's becoming more and more equal.
Equal does not have to mean that you're each earning the same amount.
It's that you're both contributing in your own ways
to this relationship. It's amazing.
I'm starting to feel like I know what I need to do.
Instead of just feeling completely clueless and lost.
Now it's competence and excitement instead of, like, fear and shame.
I am Drew, hear me roar.
Rawr.
You're doing good, baby.
Thank you.
["Somthin 4 U" by Nineoneone playing]
We're gonna get an A on our homework, or are we gonna get a, uh...?
- I think we did pretty good. - [chuckles] Yeah.
[Ramit] Sara and Reggie have been saving for their dream wedding,
and they have a very healthy amount saved,
but I know from my wedding planning that whatever you think it's gonna cost,
it's likely to be a lot more.
But before you reach out to your family for help,
it's best to know your numbers.
Wedding planning is coming along.
- [Sara] Yep. - How are you both feeling overall?
We're feeling better. Doing the dress shopping was kind of
just putting it into perspective so it really feels real.
Yeah. What are the dresses that you're looking at?
So the ones that we were looking at started at 4,000 to 10,000.
When you heard about the price of the dress...
- Yeah. - ...what was that like?
I think that's probably the most real copilot moment so far.
Um, I think probably before I would be like,
"Oh man, that's so out of the budget."
- But I wanted to make sure you enjoyed it. - Yeah, no dream-crushing.
[Ramit] That is amazing!
I like that you kept the numbers,
but it's not the first thing you're thinking about.
[Reggie] There's a big difference in how we approach things.
I didn't like hearing that I'm, like, the dream-crusher.
Ramit has absolutely convinced me, like,
really spend on the things you wanna spend on,
and I think this is something we both wanna spend on.
[Ramit] Okay, so let's talk about the homework that I gave you,
which was finding three venues.
So did you find those venues?
- We did. Yeah. - [Ramit] Okay.
- What's the numbers? - [Reggie] The first venue is in Lake Como.
- [Ramit] Beautiful. - [Sara chuckles] So it's closer to 30,000.
- [Reggie] Okay. And the second one was... - [Sara] Umbria. Umbria, Italy.
Okay. Yeah, 36,000. Yeah.
[Ramit] 36,000 for Umbria.
[Reggie] The third one was a local one.
[Ramit] Oh, okay. In Southern California? Great.
[Reggie] So this one starts at 50,000, the packages.
What are you realizing as you start to pull on the thread of the wedding costs?
That it adds up quickly, and that you could go over budget very easily.
- [Reggie] You always go over budget. - That's true.
When it was my wedding, they wanted to charge me $3,000...
for mangoes!
- [Sara] Really? [chuckles] - I go, "I don't even like mangoes."
Indian people love mangoes,
so my mom was like, "Of course we need the mangoes."
[all chuckle]
- [Sara] Oh my gosh. - [Reggie chuckles]
The wedding venue alone could put them over their budget.
And we haven't even talked about dresses, dinner, cake, doilies,
and certainly not mangoes.
All right, so without accounting for the venues,
how much do you think that you're at?
- Already? - Like thirty grand in itself, maybe.
- Mm-hmm. About. - Yeah.
I also noticed that you tend to underestimate.
Like, dramatically.
So what this tells me is that it's time to ask your parents for help.
[sighs]
It's kind of like, you almost knew that it was coming,
and you just kind of, like, not looked that way,
but now that it's, like, starting to come into view,
um, I think that's the part that kind of gives me a little bit of, "Ugh."
I don't think I've asked my parents for money since high school.
I feel...
ashamed a little bit.
For me specifically,
like, the immigrant family thing is just so top of mind.
My dad has, like, an engineering degree.
And he worked as a janitor when he first got here.
And then to know that they did that and got me this far,
something changed in me when I was, like, in high school.
Like, I stopped asking for money. I stopped asking for nice big gifts,
and I just wanted them to kind of enjoy their money.
So asking them now for our wedding is...
Yeah, I feel... I feel really guilty about that.
I mean, sure, but, like, right now I don't know if that's even on the table.
Right. Yeah.
I think a lot of people watching might say, "If they can't afford it,
then they should not have that type of wedding."
But we also have to remember
different cultures treat weddings differently.
I know from my own culture that weddings are really important.
Money is political.
Money is cultural.
It is more than just numbers on a page.
- Let's go out and find out. - [Reggie] Yeah.
- Then let's get realistic. - Right.
- Yep. - Yep. That's the next step.
["Bôtchô" (feat. Bizzy Ape & Comme1Flocon) by Keny Clay playing]
- How you doing? - [Christian] Good. You?
- Nice to see you. - Good to see you too.
I like Christian and Millie.
They're smart, they're disciplined, and they have a vision for their money.
They're almost doing everything right,
but they're just taking a couple wrong turns,
and it's costing them a lot of money.
Like day trading.
Robinhood is designed to get you to trade,
and trading is not investing.
Trading is gambling.
It's trying to guess the direction of what's gonna happen tomorrow.
That sounds sexy,
but it's not actually how you get rich.
What's up with the, uh, Robinhood and all the DraftKings gambling stuff?
- I've left it how it is. - Okay.
Uh, it's still in DraftKings.
- I haven't looked at it since we spoke. - Okay.
Really?
Just, like, let's let the market do what it does.
- What are you down now? - I don't know. I haven't looked.
Pull it out. Let's look.
[Christian] Oh God.
So let's see what it is.
100,000.
So why haven't you logged in in the last couple of months?
I guess to not realize that I'm down that much.
What was your thinking when you opened this account?
I got so into trading during the pandemic,
I looked at Robinhood as like,
- "This is gonna be my experiment." - Okay.
I'm gonna try and select the stocks and see if I can beat out the S&P.
Okay, and how'd that work out?
- Not well. - [chuckles]
You got a nice hobby here. Why don't you just stick with golfing?
You have two options. You can keep it here, or you can say,
"Mmm, I deviated from my plan. It didn't work."
"Let me take the money and put it back in my normal plan."
- It could come back at some point. - I've heard a lot of gamblers say that.
"Let me just keep riding! It'll come back one of these days!"
It's one thing if you said, "I'm gonna take 5% of my money and gamble."
I would actually be totally fine with that.
But do you know what percentage of your income you took and put over here?
I don't remember.
That's the problem.
If you go on like this,
just picking random investments without managing your risk,
that's how people go broke.
Even people with a lot of money like you.
Christian is really struggling with the idea of selling a losing stock,
and that's natural because our brains treat losses
differently than we treat wins.
There's a lot of investor psychology here at play.
When things go well, you talk about it.
When things don't, you don't even wanna log in.
Most importantly, if you don't have an investment plan,
you will forever be making random tactical decisions.
That is not how you build a rich life.
I think what I struggle with is how long will it take me to recover that 100,000.
You could spend the next ten years hoping something changes,
or you can change it yourself right now.
The gambler says, "How do I get back to where I used to be?"
The investor says, "How do I use my money to live my rich life?"
- You're right. - [Millie] Hey.
- [Ramit] How's it going? - [Millie] Hi, boo.
- How are you? - Hey. How you doing?
- Good! - All right.
- This one's for you. - Oh, thank you so much.
We were just having a nice conversation about investing.
I looked at your conscious spending plan,
and you guys were very savvy, maxing out your 401(k).
IRAs, you own property.
To be younger than 30 and to have the net worth that you have accumulated
is very impressive. Nice work.
- That's good to hear. - Give it up.
Thank you. Thank you.
But then there's just a couple boneheaded things you keep doing,
and I go, "Why do they do this? Why are they doing this?"
You have your goal. You're walking in that direction,
and then something shiny comes along, and you go... Pfft!
"I'll get distracted and go that way."
What do you think it is?
My mindset was always, "We're young, let's buy. Let's keep..."
"Let's keep trying to get rich now so that we can retire at a young age."
[Ramit] Well, you are rich.
- You just don't live richly. - [Millie] Mmm. Oh!
- Never thought of it like that. - [Millie] I didn't either.
[Ramit] That's what I wanna talk about with your conscious spending plan.
So let's start with you, Millie.
Um, your gross monthly income, $3,800.
You're still over your spending every single month.
- Okay. - You're in the red.
And so if you wanna live the kind of life you want,
there's two things you can do.
One is your income. Raise it.
And the second is you can't afford to split your expenses 50-50.
Christian earns three times what you earn.
So if you were to split expenses proportionally,
he would pay three times more for your joint expenses.
[pensive music playing]
I wanna do that. She just doesn't want me to do that.
[Ramit] Yeah. What's the thinking behind your 50-50?
Is that you don't wanna be... what?
So dependent on him.
It's not that you're totally dependent on him,
but it's that he makes more,
so he can afford to pick up more of the expenses.
That's how my wife and I do it.
You do it proportionally.
[Millie] I do wanna contribute an equal amount to feel equal.
But I feel like I put so much pressure on myself.
I'm always like, "I'm gonna do this and I'm gonna do that,"
and it's, like, I don't allow myself to not do those things I said I wanna do,
because I don't want people to ever be like,
"Oh, she said she was gonna do this. Look, she didn't do it."
[tender music playing]
Yeah.
[sniffles]
Sit with that for a second. I can tell you're reluctant. That's okay.
We're gonna talk about Christian's money,
and then we'll talk about what it means for you together. Okay.
All right. So, Christian, from looking at your numbers,
you have enough to retire your mom today.
Yeah. I'd love to retire her.
I think what keeps holding me back personally,
I thought, "I'm gonna get to that point once I don't have to depend on my salary."
That means two or three more properties that pays all my bills,
pays everything for me.
I like it. I love the vision.
When will you be able to comfortably retire your mom?
With your plan.
If we get two more... Two years?
So my suggestion to you is you got the money. It's sitting there.
[sighs] Yeah.
Use it. Use it for your rich life.
You guys are almost there. It's just a couple minor changes
and you can be living your rich life.
Think about how to spend your money proportionally.
That will help you a lot, Millie.
"How much am I earning?"
'Cause, Millie, I think you could be earning a lot more.
Let's call it a day. This is a lot. Think about it. All right?
Christian and Millie have done pretty well with their money,
but the way they think about money
is not serving them for where they wanna go.
Now, what ultimately matters
is are they willing to change their money habits?
- Is this stressful talking about money? - [Millie] Ugh, it was a little, yeah.
[Christian] Today was a little stressful.
Imagine investing is like shopping for clothes.
Think about your closet.
If you opened it up, would you only have one pair of pants?
No, it makes no sense.
That would be like picking one stock.
So instead we wanna think of stocks like clothes.
We want pants, shorts, T-shirts, winter coats.
We want it all. We want to diversify.
Then we want to think of bonds like accessories,
like shoes and gloves, because they're stable.
And finally cash.
Cash is just there for safety.
It's like buying socks.
Crypto is like Crocs.
A lot of you think they look good, but they're horrible.
Buying an index fund or a target date fund,
it does it all for you.
And that is how you think about diversifying your portfolio.
[upbeat music playing]
[Sara] Hi. Hi there.
- [Reggie] Sorry we're a little late. - [woman 1] You look nice.
[Sara] Thank you.
[Sara] It's an unnatural feeling to ask our parents for money.
We feel kinda guilty, I think, asking them.
[Reggie] It is something that we,
not avoided, but we didn't particularly seek it out.
The conversation has to happen at some point, so...
why not now?
It's our five-year anniversary today.
- [all] Oh! - Look at that. Look at that.
- There you go. - [man 1] Are you excited, or...
[Sara] We're excited. Yeah.
- It's exciting, but also overwhelming. - [Sara] It's stressful, yeah.
[woman 1] Oh, yeah.
If both of you are working, it's really hard.
- [Sara] Yeah. - It's really hard.
So, like, um, just advice, because I did it too with your dad,
just when you are getting really stressed out or stressed,
you know, just take a deep breath, stop...
- [Sara] Of course. Yeah. - ...and just breathe and...
[Reina] And keep saving.
[man 1] Yeah, keep saving. Work some more jobs, you know.
- [Reggie] Yeah, there you go. - [chuckles]
So, I mean, why we're here, I guess is... is part of that, right?
We're trying to figure out the ultimate budget.
And then we can figure out the venue.
Once we figure out the venue, that'll, like, decide the date.
But we can't move forward with a place until we know what we can afford.
- [Ted] The numbers. - [John] Yeah, what the numbers are.
Well, the budget for this right now,
you're thinking about what? About 40... it's gonna be, or...
Right, so that's a good question.
We had a rough kind of savings plan that put us in the, like,
- $30,000 to $40,000 range. - [John] Right, right, right.
- And that was, like, just us. - [John] Right.
I know for, like, our culture,
it is, like, a big family reunion almost, like a big party.
- It's a big family. [chuckles] - [Reggie] It's a big family.
But that's gonna be an obstacle in itself.
- Yeah. - [Reggie] I guess...
That's kind of one thing we've been struggling with is,
you know, that guest list could get really out of hand really fast.
For us to come at you at this table and kind of ask money stuff is weird.
It's kind of like there's a dance to it.
I think that's the conversation we're trying to have with you.
In, like, the most respectful way of, you know, on top of what we can do,
how much you guys are, like, willing to contribute?
And, um...
how much do you guys think you would help with that?
[tender music playing]
We appreciate you being honest, like, letting us know you need help financially,
and, you know, we're...
We're gonna make it work.
Yeah, we've talked, and, uh...
[Reina] We talk about...
- 10,000. - [Ted] 10,000.
But, uh... there's more that we can get.
You know, there's more that we could give you guys. So...
- So... - Thanks, Mom.
- He... he's your first son. - [all chuckle]
- Our last daughter. - [all chuckle]
On our end, we can pledge ten grand,
and if you're gonna be in a bind and you need more,
feel free to ask.
I mean, we didn't expect anything, but that's a lot of money,
so, I mean, we're thankful. Like, thank you.
To hear that they're both gonna contribute 10,000 each, that's crazy.
That's a game-changer. We can make our dream wedding come true.
We appreciate you guys being so generous.
[Reggie] And in return, Mom...
- [Sara chuckles] - ...when you get the mic at the reception,
you can try your hardest to make me cry.
- I'm sure she will. - [Reggie] Go for it. [chuckles]
[upbeat music playing]
♪ Life is all that you make it Yeah, yeah ♪
♪ What you want gotta... ♪
[Clare] Hey, how are you?
Wonderful. How are you?
I am good.
[Drew] I've been in the restaurant industry for 18 years.
It's kind of a guessing game on how much money I'm gonna make.
I didn't even have money to pay bills, let alone, like, put away to invest.
That's the one answer I've gotten out of this is I need more money.
So I decided to reach out to Clare,
who's a manager at one of the restaurant groups I work with.
A corporate job would get rid of all that stress and second-guessing.
My long shot would be to do either HR or D&I in a restaurant.
I feel like we need more people in Diversity, Equity and Inclusion,
just because it's so important.
I think what draws me to wanting to work in Diversity, Equity and Inclusion
comes from my experience growing up queer in small-town Iowa and not feeling heard.
I didn't feel like I had anyone fighting for me sometimes.
And I want to change that for people.
I want people to feel seen and feel like there's someone fighting for them.
[Clare] That is something that's super important.
- And also it's a branch in every company... - Yep.
...where, like, we need help
and, like, companies are looking to fill those roles.
I am happy to connect you with Santo, and I work with him with, like, hiring.
I did not think I could network this easy.
People are definitely willing to chat with me
and also want to help me grow.
He's someone I'd love to connect you with.
Yes, please.
It's annoying. It's like, "Why weren't you doing this six years ago?"
Like there's... Literally nothing has really changed except for my mindset.
[Clare] So I am happy to connect you with someone who could
for sure give you more of, like, "Here's a great path for you."
Awesome.
["What Have You Got to Lose" playing]
- [Christian] Hey, Ramit. - [Ramit] Hey! How you doing?
Good. How are you?
- Thanks for coming. - Thanks for having me over.
It's been an interesting journey with Christian and Millie.
I've learned that they both like to think big,
but sometimes that leads them to taking serious risks.
Together, we've been working on shifting their money mindsets
and their behaviors.
With Christian, I wanted him to adopt
a more conservative approach to investing.
No more gambling.
And with Millie,
I wanted her to entertain the idea of getting out of the MLM business
and focusing on a business that would really reward her over time.
- Thanks for having me over. - [Christian] Thanks for coming.
I'd go any place with home-cooked...
- Is the food good? - So good!
So I just wanted to catch up on how things are going since the last time we talked.
What's the latest?
- Um, the bills. Splitting the bills. - [Ramit] Yes.
Tell me. It was 50-50 last time we talked.
- It was 50-50. - [Christian] Yes.
We had a hard conversation after the last time we spoke.
If I make three times as much, then I can pay three times the bills.
- How's that feel? - [Millie] Not to...
Honestly, it bothers me a lot,
but it's just incentive to make more so that I can go back to contributing.
You've created a little pressure for you. But it's good pressure.
- Supportive pressure. - Yeah.
[Christian] What else?
[Millie] I applied to a bunch of remote jobs,
and now I'm just waiting for, like, responses.
I really want that flexibility,
so hopefully I find something that doubles my income. Right?
- That I had before. - That would be amazing.
- [Millie] Mm-hmm. - Okay, awesome.
[Millie] The MLM...
Whatever happens, happens with it. I'm just not gonna put time into it.
- [Christian] I know you're looking at me. - Yes. Tell me, Christian.
The 57,000 in the Robinhood account, that's coming out. So...
What? What are you gonna do with it?
We'll put that towards a multi-family home that's cashflow positive...
- Wow. - ...and then that will get us,
hopefully in a year or two, get us to our rich life.
I'm thrilled. They listened.
We had some tough conversations, and they are making changes.
This is all I ask for.
I never expect people to go from zero to 100 overnight,
but Christian and Millie are taking slow, steady steps
towards exactly where they need to go.
You know what's most impressive is the conversation that the two of you had
about how you spend your money.
When we first started talking, it was very independent. In fact, when...
That's how our relationship was.
We kept everything really separate, when it came to finances.
Yeah. It's not his money, her money, it's our money.
It's, like, the rich life for you two is together.
I definitely feel we got what we wanted out of this experience.
Ramit showed us our communication was not as great as we thought it was.
We need to talk about the losses as much as the wins.
So when are you gonna tell your mom about retiring?
Actually, right now. I'm gonna pull her aside.
- [Ramit] Now? - Yeah.
- I'm happy with this. - [Christian] We are.
- Thanks to you. Honestly, thank you. - [Millie] Yeah.
[Ramit] This is amazing.
Christian and Millie are a great example
of how quickly you can change your financial situation
if you are both aligned and if you trust the process.
They did, they're seeing results.
[Christian] Mom.
[in Spanish] Mom, let's go talk outside.
[in English] Being able to retire my mother means everything to me
'cause she's maxed out credit cards to give us a life she couldn't afford.
So being able to give her the life she wants
is a way of me thanking her
for all the sacrifices she's made throughout her life.
[in Spanish] Mom, the first thing Ramit asked us was
what are our objectives in life, right?
And so one of our objectives from the start,
that Millie and I both wanted was...
[exhales]
[in English] It's hard to say.
[in Spanish] ...is to retire you.
[chuckles]
[Christian sniffles]
Ay, Christian.
Retire me when?
[Christian sniffles]
Two years max, but our goal is that in less than two years...
Our goal is for you to be fully retired, so that you... never have to work again.
- [Christian sobbing] - [tender music playing]
You've caught me completely by surprise. Oh my God.
[kisses]
You have no idea how happy this makes me.
[moans]
[Christian] I love you so much.
[upbeat music playing]
[in English] Wow.
- There's my daddy. - [Ramit] Oh. [chuckles]
- How you doing? Nice to see you. - How are you?
Thank you so much. How's it going?
When I first met Drew, he was stressed out about money.
He wasn't earning enough, and he couldn't see a way out.
He had a mindset of fear and shame around money.
It was affecting him,
and it was impacting his relationship with Mikey.
But over the past six weeks,
Drew has put in the work,
and he is sincerely committed to it. That's how change happens.
How's Mikey doing?
- He's good. - Yeah?
- Yeah, he's got a great husband, so, like... - Duh.
Are you still at the same job right now?
- I'm not. - Oh, you're not?
No.
I got a new job. I'm really, really excited.
It is ultimately a lateral move.
It's just a different restaurant, but it's double the money.
I'm going to make twice what I'm making now.
This is the perfect first stepping stone to get me to my dream job.
I have applied for a few jobs.
- How many? - Uh, I think we're at five right now.
- Okay. - Um, one of 'em
was with a company I currently work for. Like, I applied yesterday
'cause one of the people I met with in an informational interview
is one of the people that helped make those calls.
I love it.
You're starting to really take advantage of these dream job techniques.
You're going through the side door, through the back door.
- People are... - I love going through the back door.
[Ramit chuckles]
When we first met, I knew you wanted to change,
but what really brought it home for me was when you started following up.
And I was like, "Okay, nothing can stop him now."
So what do you think changed?
I feel like somehow us working together,
I've been given permission to not be scared
'cause there's not... It's not like you waved a magic wand.
- It's just, like, I have knowledge... - Mm-hmm.
...and I have tools, I think, now, that make me way less scared.
With Ramit's help, like, I'm just doing so much more.
Like, I'm networking. I'm having meetings with people.
I'm willing to have conversations with Mikey.
I'm doing so many things I... If you would have told me two months ago,
"Drew, you can do this," I would have told you, "You're crazy."
And now I'm doing it without, like, a second thought.
[Ramit] You know, you got a few open loose ends.
Of course you do. That's... It's a process.
But when I walk away today,
I know you have all the tools you need.
Most importantly, I know you are confident in yourself.
I appreciate you. Thank you so much.
Drew's the perfect example of someone taking control of their life
and their finances.
It's not as scary as you think.
This is what stops us from making those changes.
Drew's building confidence, and he's making smarter decisions.
All of it is leading Drew to achieve his rich life.
I've noticed you like a very simple wardrobe.
- Yes. - So I got you something to think of me.
- But it goes with your wardrobe. - Oh wow.
Oh my God. What is this?
[laughs]
Cass Money!
No. Cass Monet.
Oh my God.
Cass Money sounded too cheap.
- I wanted Cass Monet. - You are so thoughtful.
- [Drew] More opulent. - Thank you. This is amazing.
[both chuckle]
- ["In My Arms' by Guesthouse playing] - ♪ I knew it from the first moment ♪
♪ You peeked your head around my door ♪
- ♪ I want you ♪ - ♪ I want you ♪
♪ I want you... ♪
Thanks for all your help and support.
[indistinct chatter]
[Ramit] Sara and Reggie were a great couple to work with
because I was able to use the planning for their wedding
to help show them some of the behaviors
that were standing in the way of them living a rich life.
Hello.
Oh man. Dude.
[Ramit] Nice to see you.
- [Ramit] Congratulations. Hello. - Hi! Thanks for coming.
Thank you for having me. I love seeing all this family together.
For Reggie, he was so focused on saving for the future
that he was missing out on living his rich life today.
And for Sara, she's becoming more realistic and comfortable
speaking the language of finance.
I'm curious to see how much closer they are to their rich life wedding.
- How do you guys feel? - [Sara] Good.
We've definitely locked into the location, which is gonna be in Italy.
We haven't nailed down everything for the wedding yet.
But we've decided it's gonna be in Italy,
it's gonna be 70 people, and it's gonna be in the summer.
- And that's a win for us. [chuckles] - Yeah. We'll take that.
- Those three things, to get there... - Honestly.
...a journey.
But they're three big things, so...
As long as you get it done right, and I know you have your budget,
which you have a number that you're working within?
- [Reggie] Between $60 and $70k. - Great.
- Exactly. - Yeah. So it worked out.
We're getting there.
From the first time we talked to where we are now, man...
- Light years. - It's a huge transition.
It felt very much like you were trying to convince...
- [Sara] Right. - ...Sara.
And, Sara, you were like, "Eh."
And now just... partners.
- Copilots. - Copilots. [chuckles] Cheers.
[Ramit] Love it.
- I'd love to meet your parents, say hello. - Of course. Let's go.
I think Ramit's guidance for this really revolves around
him reframing our mindset. The copilot thing, I think, is really big.
I think it's the way that we approach things now.
- Yeah. - We wanna make things bigger.
When you crush dreams,
things get smaller, and things become less.
Make it big. Make it everything you ever wanted.
- Hey, Mom. I wanted you to meet Ramit. - Hello!
- Ramit, this is my mom Reina. - I'm Ramit. Such a pleasure.
[woman] Have you found your dress yet?
So I did buy one dress.
- [all] Yay! - [applauding]
I found my dress.
Perfect cut. A great silhouette.
And it was within budget, so I can have two instead of one dress.
- You're so hot to me right now. - [Sara chuckles]
Just... just speaking my language.
Oh my God.
[both chuckle]
The good news is they started early.
[Reina] Yes.
[Ramit] Imagine if they only asked for help when they were 50, 60?
I know, I know.
They're doing it so young. It makes me so happy.
- [Ted] This is good. - Yeah.
I'm very impressed with Sara and Reggie.
When we first met,
I met two separate people
with two separate philosophies on how to spend money.
It seemed like they would never come to an agreement
on what their wedding would look like because that budget
kept coming between them.
But after Sara and Reggie started copiloting,
a new world of possibilities opened up for them.
I have gotten to know Sara and Reggie over the last few months.
They wanted some help with their money.
I think any of us in a relationship have had tough discussions about money,
but it's really hard to ask for help,
and they did it.
You both had a vision in your mind.
You wanted to have an engagement party, have a wedding.
You wanted to honor your family.
And, looking around today, you've done it.
Congratulations.
You two used your core values together,
and this is just the beginning of your rich life.
To Sara and Reggie.
- [Sara] Thank you. - Thank you, guys.
- [all] Cheers! - [Reina] Cheers.
Thank you so much. Couldn't have done it without you.
- Congratulations. - [Sara] Thanks so much.
["One Eye Open" by them from there playing]
♪ You've been broken And there's nothing left but hoping... ♪
[Ramit] The people I work with in this show are the tip of the iceberg.
There are so many other people
who can benefit from changing the way they look at money.
Before this, child, I never used words like "conscious spending"
or "phantom cost."
Hell, I didn't even know what the hell that meant.
[uplifting music playing]
I'm more comfortable taking risks and making mistakes
'cause the mistakes can turn into something beautiful.
[Drew] I can't believe all the progress I've made.
If I can fix my financial life,
anybody can.
You can, and everybody needs Ramit.
I do love seeing people develop and change.
[upbeat music playing]
[Monique] We're not there yet, but we are on the right track.
[Donnell] You gotta stick with it. Yeah.
[chuckles]
["Hear My Battlecry (feat. Shari Short)" by Phtronique playing]
♪ I'm a fighter ♪
♪ And I'll rise higher ♪
♪ I am the fire And it burns brighter... ♪
There's so much more to a rich life than how much you have in the bank.
It's about how you communicate about money with your loved ones.
[Amani] I think we grew individually,
but also together as a couple.
Now we have better control of our finances, and it feels great.
♪ I'm never giving up ♪
♪ I'm a fighter ♪
♪ And I'll rise higher... ♪
[Sara] I think we're still learning how to
approach each other when it comes to money.
Ramit has taught me that I don't have to sacrifice
on the things that I love.
[Nathalie] Ramit is probably losing sleep over the 1% to the financial advisor.
I could just imagine him at night, thinking,
and saying, "What is wrong with this girl? Is she nuts?"
[chuckles]
[inspiring music playing]
[Christian] Ramit, he showed us
you can actually visualize what your rich life is.
[inspiring music continues]
[Ramit] I hope these stories inspire you to dream bigger.
Now it's time for you to live your rich life.
["Open Up" by Sophie Ray playing]
♪ Let's hit the party They're playing our favorite song ♪
♪ So we dance around Like we just don't care ♪
♪ Let's hit the party They're playing our favorite song ♪
♪ So we dance around Like we just don't care ♪
♪ Feeling the beat now Gonna party all night long ♪
♪ Everything's better Now that we're together ♪
[song fades]