Tag Archives: we make

“We spend 179% of what we make. Are we screwed?”

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Ramit Sethi of I Will Teach You To Be Rich talks to Melissa and Taryn, a married couple in their 40s living in Los Angeles with five children. They have a net worth of over $700K, nearly half a million invested, and a successful business, but their finances are on the edge. After Taryn took a $75K pay cut, they continued building a $200K pool, took on a $100K family loan, and now face fixed costs of 179% since Taryn was recently laid off from Netflix. Ramit helps them confront the brutal math behind their situation, the emotional reasons they keep avoiding it, and the radical changes they may need to make before they run out of money.

In this episode we uncover:
• Why Melissa and Taryn built a $200K pool after a major pay cut
• How Taryn’s Netflix layoff changed everything
• Why their fixed costs hit a shocking 179%
• The real cost of their $100K family loan
• Why “everything goes on a credit card” became normal
• How they ended up with $1.2M in debt
• Why selling the house may not solve the problem
• The hidden danger of renting another expensive home
• Why Melissa’s successful business still may not be enough
• How grief and loss shaped their relationship with travel and money
• Why Taryn feels like she just “makes the money”
• The emotional power dynamic behind their spending decisions
• Why small cuts like subscriptions won’t fix a structural problem
• Ramit’s warning that they may be setting themselves up to struggle again
• The uncomfortable reality of moving out of Los Angeles
• Why their marriage needs a mission, not just a budget
• How their kids are already affected by their money choices
• Ramit’s advice for making radical change before the clock runs out

⏩ CHAPTERS
(00:00:00) “I just want the debt gone”
(00:01:23) Meet Melissa and Taryn
(00:02:40) Taryn’s Netflix layoff
(00:04:18) Buying the house after a $75K pay cut
(00:05:39) The real cost of the pool
(00:07:48) Taking a $100K family loan
(00:10:50) Why the debt cycle keeps repeating
(00:15:25) Taryn’s role as the “money maker”
(00:18:03) Their income no longer matches their life
(00:20:03) Ramit reveals their 179% fixed costs
(00:21:20) Why selling the house isn’t enough
(00:22:51) The rent math gets even worse
(00:26:46) The clock is ticking
(00:31:25) Could they move to South Carolina?
(00:41:24) The power dynamic in their marriage
(00:57:16) Defining their Rich Life
(01:02:18) What happens after selling the house?
(01:15:28) Ramit confronts the decision they’re avoiding
(01:28:48) Talking to their kids about money
(01:36:58) Final thoughts and next steps

💡 RAMIT’S PODCAST NEWSLETTER
• I share new ways to think about money every Saturday. Get the emails here: https://iwt.com/podcastnewsletter

🙌 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
• Optimize your credit cards with the 1st chapter of my book: https://iwt.com/chapter1-pod
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“We spend 102% of what we make. Will we ever stop drowning?”

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Ramit Sethi of I Will Teach You To Be Rich talks to Freya and Blake, a couple in their mid-40s with two young children who are facing one of the most urgent financial situations we’ve seen on the show. Together, they earn around $143K a year, but their fixed costs are at 102%, they have $0 in savings, only $180 invested, and more than $96K in debt. Freya applied because she feared they were close to becoming homeless.

On the surface, their problem looks like debt. Underneath, it’s avoidance, guilt, lack of partnership, and years of “we’ll figure it out later.” Freya carries the emotional labour of the household and money decisions, while Blake admits he avoids the numbers and tries to solve problems by simply making more money. Ramit helps them confront the reality of their situation, stop tinkering around the edges, and build a radical plan that gives their family a chance to get stable.

In this episode we uncover:
• Why Freya and Blake are spending more than they make every month
• How their fixed costs reached 102% of their income
• Why having a $143K income still isn’t enough when there’s no system
• The $96K debt number that forces them to face reality
• Why Freya feels like she has to manage everything alone
• Blake’s “ostrich” approach to money and avoidance
• How trips, skiing, and everyday spending became symptoms of a bigger issue
• Why being intelligent doesn’t protect you from bad money decisions
• The emotional cost of having $0 in savings with two young children
• How childhood, privilege, resentment, and guilt shaped their money habits
• Why hustling stops working once fixed costs get too high
• Ramit’s warning that they are weeks away from not being able to pay rent
• Why Blake may need to aggressively increase his income
• How they move from blame and panic into a shared plan
• Their follow-up reflections on what finally felt doable

⏩ Chapters
(00:01:20) Meet Freya and Blake
(00:03:30) Why Freya applied to speak with Ramit
(00:05:23) “Do you want to have a budget conversation?”
(00:05:56) The skiing trip that became a money fight
(00:08:22) The Mexico trip they couldn’t afford
(00:13:52) Savings are gone and the safety net has disappeared
(00:15:16) Freya carries the planning, groceries, kids, and money stress
(00:21:54) Looking at the Conscious Spending Plan together
(00:24:01) The real debt and net worth numbers land
(00:31:24) Why 102% fixed costs means they are broke
(00:32:04) Ramit warns they are weeks away from not paying rent
(00:34:54) Childhood money lessons and blame
(00:43:57) Borrowing money to avoid eviction
(00:48:11) Blake’s belief that more income will solve everything
(00:57:14) Guilt, family, and saying yes when they should say no
(01:03:00) Defining a realistic Rich Life from where they are now
(01:08:30) Childcare costs disappearing
(01:15:03) Freya asks Blake to help with grocery planning
(01:18:00) Why savings comes before debt payoff right now
(01:34:00) Why the plan finally feels doable

💡 RAMIT’S PODCAST NEWSLETTER
• I share new ways to think about money every Saturday. Get the emails here: https://iwt.com/podcastnewsletter

🙌 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
• Optimize your credit cards with the 1st chapter of my book: https://iwt.com/chapter1-pod
• Join my Money Coaching program for monthly help: https://iwt.com/moneycoaching
• 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
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Have you or your partner realised you’re paying a 1% financial advisor hundreds of thousands of dollars in fees over your lifetime? Maybe you feel stuck because they’re your “family money guy,” If so, I want to talk. Apply to be on my podcast at https://iwt.com/apply

Can We Make This Old Picnic Table Look New Again?

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Why buy a new table if you can restore your old picnic table and make it shine again?

In this video, I explain the steps to restore an old picnic table that needed to be revamped and repurposed for my glamping site. I go through the process in which you will learn how to sand a table properly as you will need to follow the grains of the wood. Here, I used Thompsons water seal product to obtain a golden cedar stain on the picnic table. For any refinishing project, the most important part is prepping for paint and stain. When prepping for paint and stain, one must remove any and all of the old paint/stain by sanding the wood surface to allow the wood to absorb the new stain. In this case, sanding the table beforehand will give you the best result in restoring your picnic table. The Thompsons water seal stain that I used was very economical and easy to apply. The golden wood stain looks really good on my refinished picnic table. There's nothing more pleasant than seeing the finished product of a restored old picnic table done with your own hands and to your liking.

Why throw away an old picnic table when you can give it a new life with a little elbow grease, sanding, and stain? In this hands-on DIY project, I take you through the step-by-step process to restore an old picnic table and transform it into a beautiful, usable piece for my glamping site.

From selecting the right sandpaper grits to applying the perfect wood stain, this video walks you through every detail of refinishing a wood picnic table—even if you’ve never done it before. Whether you're working on outdoor furniture for your backyard or upgrading a table for your rental property or campsite, this video will guide you through the essentials of prepping, sanding, and staining wood like a pro.

🧰 What You’ll Learn in This Video:
How to sand a picnic table using the right technique (follow the grain!)

Why prepping for paint and stain is the most important step in wood restoration

How to use pressure washers safely without damaging the wood

Best practices for smoothing surfaces with 80, 120, and 220 grit sandpaper

Why I chose Thompson’s WaterSeal in Golden Cedar and how it enhances outdoor wood

How to apply wood cleaner and chemical treatment before sealing

The finishing steps to ensure your table is smooth, splinter-free, and weather-protected

🎯 Who Is This For?
DIY enthusiasts looking to restore an old picnic table

Homeowners and renters wanting to upgrade their outdoor furniture

Glamping hosts, Airbnb owners, and campers needing durable, restored pieces

Anyone interested in picnic table refinishing, staining, or sanding wood

Beginners eager to learn how to sand a wooden table and apply stain correctly

🔨 Tools u0026 Materials Used:
Sandpaper (80, 120, and 220 grit)

Protective gear: gloves, mask

Pressure washer for deep cleaning

Wood cleaner/chemical prep

Thompson’s WaterSeal – Golden Cedar stain (for exterior furniture)

Rags, brushes, and some patience!

🔧 DIY Tips Included:
Why sanding with the grain of the wood matters

How to refinish corners and table edges by hand

Tricks for smoothing the surface so it’s safe for guests to use

How to avoid damage when pressure washing softwood

The correct waiting time between chemical wash and staining

Final Thoughts:
There’s something satisfying about breathing new life into old wood—especially when it’s done with your own hands. This picnic table went from dull and damaged to smooth and stunning, and it now adds charm and functionality to my glamping site.

Restoring wood furniture doesn’t have to be expensive or complicated—it just takes the right prep, tools, and patience. So if you’re thinking about tossing that old table… don’t. Grab some sandpaper, put on your mask, and let’s get to work.

Follow me on other social media platforms:
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Affiliate links of products used in this video:

THOMPSONS WATERSEAL TH.041851-16 Transparent Waterproofing Stain
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DEWALT Random Orbit Sander, 5-Inch
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Can We Make It Transparent?

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TORRAS Ostand series lets you capture and create anytime, anywhere, no tripod needed.

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Q3 Air stand case (iPhone 17 series only): https://amzn.to/42H1ipR

In this video, we attempt to make the iPhone 17 Air's back glass transparent. Is it possible, and will it look good? Let's find out.

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Tweezers → https://amzn.to/4n8UKZF
📦 Full list of tools: https://www.phonerepairguru.com/tools

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Camera: Lumix GH5 → https://amzn.to/446FiEH
Mics: Rode HS2 → https://amzn.to/3UdzOos | Wireless Go → https://amzn.to/3FVq9hB
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Is DataAnnotation Legit? Our Experience + Tips for Getting Started! (How we make money and travel)

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In this video, we dive deep into DataAnnotation — what it is, how we found out about it, and why it’s become a key part of our digital nomad lifestyle. 🌍💻

We answer the most frequently asked questions about the platform, including:

✅ Is DataAnnotation a scam?
✅ Can you work from anywhere in the world?
✅ How do you get accepted and what’s the hiring process like?
✅ How and when do you get paid?
✅ What kind of jobs are available on the platform?
✅ What should you expect after getting accepted?

We also share tips, tricks, and lessons we’ve learned to help you succeed on the platform — whether you're looking to earn a little extra cash or work remotely full-time.

If you're curious about flexible online work, language and AI projects, or becoming a location-independent freelancer, this video is for you!

Where to apply to DataAnnotation: https://app.dataannotation.tech/worker_signup?worker_src=Gu0026utm_medium=displayu0026utm_source=googleu0026utm_campaign=generalistu0026gclid=Cj0KCQiAsvWrBhC0ARIsAO4E6f80sSQh9BFgBOEGjP4effRljtSqSB3Ual8haA0GScC6ZYQTVAReQeQaAh7nEALw_wcB

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🚐 Wondering What’s in Our Van or What Gear We Use? Check out all our favorite tools and travel gear here:
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🎵 Where We Get Our Music:We use Musicbed for all our video soundtracks – they’ve got amazing selections!
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🗺️ Need a Travel Guide?We highly recommend GuideAlong (formerly GyPSy Guide) for audio tours across the world. Perfect for National Parks and road trips!
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⚠️ Disclaimer: Some of the links above are affiliate links. If you choose to make a purchase through them, we may earn a small commission—at no extra cost to you. Thanks for supporting our channel and helping us keep the adventure going!