24. “I’ve saved $0 for my upcoming unpaid maternity leave”

On paper, saving for maternity leave shouldn’t be an issue for Hannia and Alex. She earns $100,000 a year, but she likes to spend her money as soon as payday arrives. She plays many subconscious tricks (I call it the “Innocent Doe” technique) to justify a $300 drop at Target and her Old Navy credit card debt. Let’s disregard the distractions. What’s the real reason why Hannia cannot save money? And how is her humble childhood in Costa Rica playing out in her everyday money decisions? Sometimes, advanced financial concepts have to take a backseat to get honest with the numbers—and ourselves. It’s time to get real. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin 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 .