“We make $157K at 22, but we’re afraid to spend money”

Ramit Sethi of I Will Teach You To Be Rich talks to Javier (22) and Marco (22), who are young, ambitious, and financially disciplined—but the future they dream about together is being challenged by how they handle money today. They earn a combined income of $157,000, already have more than $60k invested, and live in New York City with shockingly low fixed costs. But despite their impressive financial habits, they’re stuck in a cycle of miscommunication. Javier wants to be cautious now to make big moves later, while Marco wants to split everything 50/50, even if it slows down their long-term progress. With their income gap and no shared plan for spending, saving, or investing, can they plan for a wedding and build their future together? 💡 RAMIT’S PODCAST NEWSLETTER * I share new ways to think about money every Saturday. Get the emails here: https://iwt.com/podcastnewsletter-yt 🙌 GET HELP FROM RAMIT SETHI * Order my new book: Money for Couples: https://iwt.com/moneyforcouples * Take control of your money with the Conscious Spending Plan: https://iwt.com/csp-youtube * Optimize your credit cards with the 1st chapter of my book: https://iwt.com/chapter1-youtube * Join my Money Coaching program for monthly help: https://iwt.com/moneycoaching-youtube * Listen to my book—now on Audible: https://amzn.to/48zko28 🤳 CONNECT WITH RAMIT SETHI * Instagram: https://www.instagram.com/ramit/ * X: https://twitter.com/ramit ✅ SUBSCRIBE SO YOU DON’T MISS ANY EPISODES https://youtube.com/user/ramitsethi/featured/ 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: https://iwt.com/apply ⏩ CHAPTERS (00:00:00) “It’s just $8—but we’ve argued about it 10 times” (00:05:38) He makes less, but wants to pay more (00:20:33) Ramit breaks down their numbers (00:37:44) “What if you spent your whole life feeling behind?” (00:42:23) “Investing = gambling”—what Javi was taught about money (00:47:46) “I didn’t even know I was supposed to