Ramit Sethi

And I really wish I had not said that because it became part of my identity.

And if any of us say something like, I'm bad with money, I would gently encourage you to not say that.

Maybe reframe it and say, gosh, I haven't learned the skills of money yet, but I'm changing that now.

I'm not good with math.

My family's never been good with money.

We're all bad.

I'm never going to get out of this debt.

We always fight about money.

And I'm just an overspender.

Oh, classic.

Oh, that drives me insane.

Hold on, I'm getting mad, but I'm getting mad at multiple things right now, so let me take them each in turn.

Okay, first off, what you said about not opening envelopes is totally common, but what I do want and what I do for myself is I spend one hour per month on my finances.

That's it, just one hour.

I review the CSP.

My wife and I talk about money.

So all those things.

When you have...

money carved out for guilt-free spending.

It is literally defined so that if you want to eat and get an extra cheesecake or you want to go to the movies, you don't have to feel guilty because you know my debt is being paid off.