Ramit Sethi

Personal finance personalities will bring people on their show who are making obviously poor financial decisions.

They will subject them to mockery and they will essentially present the message that it's all your fault.

It's no surprise to me that money is fraught and that you're pointing out even the people I have on the podcast who are multi-millionaires.

Aren't happy.

Yeah, they're not happy.

And you look at it from the outside and you go, that is shocking.

Sometimes you look like it's so obvious why you have these financial problems.

Like I have couples, they are two months away from literally running out of money.

Two months.

And they have kids.

They will lose their house.

They will lose their multiple vehicles.

They are months away from it.

And they're remarkably lackadaisical about it.

They have never really faced any consequences.

Think about it.

Many of us still have our cell phones, still have our internet at home, still have a home.

So it may be stressful.

But when I ask them, what are the consequences that you have faced?

I have $25,000 of credit card debt.