180. "We have $30k in cc debt but insist on sending our son to private school"

Alexis, 55, and Olivia, 54, are working towards their retirement so they can spend more time with their son. On paper, they’re in a good financial position, with a net worth of over $3 million… but they’re spending more than they make every single month. And, there’s a big secret to their wealth that they didn’t realize until this conversation. This episode is sponsored by my partners at Facet, where you can get affordable, accessible financial planning with a flat fee membership. For Money for Couples listeners who enroll with Facet, they will waive the $250 enrollment fee for new annual members and they’ll add $500 into your brokerage account when you invest and maintain $5000 in the first 90 days of membership for Core, Plus and Complete members. Check out their membership options at https://facet.com/ramit.  This episode is also brought to you by: Trustworthy | Save 10% on an upgrade to keep your family’s information safely stored at https://trustworthy.com/ramit. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. 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. Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Links mentioned in this episode • Get tickets to Money for Couples LIVE coming to a city near you in January Connect with Ramit • Pre-order my upcoming book: Money for Couples • Get the Podcast Newsletter and watch me analyze an anonymous couple's spending each Saturday • 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.