Ramit Sethi of I Will Teach You To Be Rich talks to DJ and Adam, 37 and 33. They have been dating for 3 years but DJ’s debt stands in the way of their potential marriage, as dictated by Adam, who’s been divorced in the past due to money issues. DJ recently doubled her income – and she has all the tools – but she’s frozen, unaccountable, and losing time. — 🚨 GET RAMIT SETHI’S WEEKLY MONEY NEWSLETTER * I share news ways to think about money every Saturday. Get the emails here: https://iwt.com/podcastnewsletter-yt 🙌 GET HELP FROM RAMIT SETHI * 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 * Find your Dream Job that pays you more and lets you work when you want: https://iwt.com/dreamjob 🤳 CONNECT WITH RAMIT SETHI * Instagram: https://www.instagram.com/ramit/ * X: https://twitter.com/ramit * LinkedIn: https://www.linkedin.com/in/ramitsethi/ ✅ SUBSCRIBE SO YOU DON’T MISS ANY EPISODES https://youtube.com/user/ramitsethi/featured/ — Can’t-miss moments 00:00:00 — 1: Opening 00:03:42 — 2: DJ's had the credit card debt her "whole life" 00:06:33 — 3: How DJ recently doubled her income 00:11:08 — 4: Does Adam need DJ to be debt-free before getting married? 00:16:36 — 5: Ramit points out an uncomfortable truth 00:19:16 — 6: The surprising way DJ was raised with money 00:26:31 — 7: Adam has a major realization 00:28:58 — 8: How do you know if you can afford something? 00:41:28 — 9: Ramit: "You have no real consequences" 00:47:02 — 10: Ramit notices DJ knows a lot more about finances than she claims 00:53:03 — 11: Why can't they get married now? 00:57:11 — 12: How is DJ going to get this debt paid off? 01:01:46 — 13: Ramit finally lays down the law on credit cards  01:05:26 — 14: DJ is shocked to hear how quickly she can pay it off 01:09:09 — 15: Ramit: "Damn, that's a good answer" 01:10:54 — 16: DJ knows all this stuff. Why is she "playing dumb"? 01:15:26 — 17: Finally, a breakthrough!  01:20:15 — 18: Where are they now? DJ and Adam's follow-ups  — 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://forms.gle/pjYMaLeThJM3z9uN6 Produced by Crate Media.