198. “I work 7 jobs but can’t get ahead. Are we doomed?”

Juan (43) and Amber (40) feel behind on their retirement plans after years of prioritizing travel and expensive hobbies over investing. Juan, who grew up poor, struggles with a scarcity mindset—undercharging for his work and financially supporting his family. Amber, now earning less, believes they should be doing better. With financial pressure mounting, they’re considering merging finances but need to align on their money mindset first. Can they change their spending habits, boost their income, and get on track for their Rich Life? This episode is brought to you by: Trust & Will | Secure your assets and protect your loved ones. Get 10% off plus free shipping on your estate plan documents by visiting https://trustandwill.com/ramit Netsuite | Get visibility to everything in your business in one place. Sign up and defer payments, with no interest, for six months at https://iwt.com/netsuite Thrive Market | Head to https://thrivemarket.com/RAMIT and get 30% off your first order—plus a FREE $60 gift! LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT Links mentioned in this episode • Want to earn an extra $1,000 on the side? Get on the waitlist at iwt.com/earnwaitlist • Order my new book: Money for Couples Connect with Ramit • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here . Produced by Crate Media .