“We have 3 kids, $1k saved, $0 invested. Is it too late for us?”

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Information “We have 3 kids, $1k saved, $0 invested. Is it too late for us?”

Title	:	“We have 3 kids, $1k saved, $0 invested. Is it too late for us?”
Lasting	:	1.01.25
Date of publication	:
Views	:	58 rb

0:00 Please remember: These are real people who had the courage to come on my podcast and ask for help Would you be willing to come on this podcast and share every detail of your financial life? Feel free to leave comments based on what you think, but remember that we are here to help in a supportive way, not to demean and criticizebrbrDownload the Conscious Spending Plan so you can use your money GUILT-FREE: iwtcom/csp-youtube
Comment from : I Will Teach You To Be Rich

Wow, the power of team work I am writing notes :)
Comment from : Snow Jae

20 to 30 years ago when the Middle Class was flourishing in this country, this couple would have had a much easier time They would have had their own house by now and probably even could afford more kids if they wanted (Hispanics love lots of kids) Sadly, those days are over A Married couple has to work 3 times harder as their grandparents generation just to achieve the same things To me living in the back guesthouse of his parents home with 3 kids and a wife would drive me nuts Im an introvert who needs lots of solitude and quite time This situation would drive me nuts Im wondering if this played a part in Gabriel's addiction Record high inflation will only stress out this couple even more I wish them the best though
Comment from : El Gringo

Trying to have a successful stress free marriage nowadays in this unstable dysfunctional economy is next to impossible This is why the marriage rates are at an all time low
Comment from : El Gringo

My favorite episode yet! Their openness and willingness to adjust and learn was so motivating for me, as well Their story is inspiring!
Comment from : Erin Pitts

Gabriel and Anna, it’s my first time commenting on this show because you two are so inspiring! Ana you are so amazing in showing grace to your husband’s faults Gabriel 20 I will be praying for you as you face your demons everyday and Ramit my man! You are a certified badass! I love you show and you have definitely change me and my husband’s life from fighting to tears about money, to having weekly meetings on how to get out of our debt (per his request so he can continue to know what is happening with our money!) Please don’t stop being relentless with helping people! It is your gift!
Comment from : Kris & Brick

Great couple and you can see that love from the first moment! She cannot even say no to him even and he tries for her by being honest!
Comment from : Andrzej Braniecki

Homie must have some serious game to keep her around That woman can do a lot better
Comment from : David Miller

They are such a team!! Loved this episode They were great Wish them the best!
Comment from : Rebecca MacIntyre

how does 86k gross become 103k gross?
Comment from : Anime Domination

This was goodCongratulations on sobriety and making changes 🎉
Comment from : jeffandurs

Thank you guys for sharing your story ❤
Comment from : Samantha Rhodes

Not impossible but man that's hard I never understood why Psychology degree?? Most women who do get it for themselves to help themselves instead of using it for a career
Comment from : Eplugplay

Such a sweet couple! So encouragingGabriel yo go! Version 2 Your wife is so pretty ❤
Comment from : Naromie S Beninche

This is by far the best episode yet What an impressive couple to overcome their past and want to better themselves I’d really love to see more realistic stories like this one, super inspiring to hear of those making $400k a year but it’s getting a bit not relatable to us “normal” folk 😆
Comment from : PetalsAndPups

Spoiled? Maybe enabling Very brave to say these things out loud They can do this for the short term sacrifice for a lifetime of freedom and a legacy of wealth Great couple who love and cherish one another
Comment from : M

Hi Ramit ! How do you deal with it if your partner does not think the same with money ?
Comment from : anna aguila

Well done Gabriel and Ana! This is a great example of being accountable and committed to making the changes needed for the family to thrive and grow This is exemplary behavior of becoming an adult Keep at it, it's a journey and God willing the road will be long 🙌
Comment from : Natalie CB

I’ve heard the podcast, but came here on the video to leave my comment What a loving couple! Ana, you are such a brave woman for facing it all and taking care of the family Gabriel, it is beautiful to see how you are reinveinting yourself and getting your 20 version sharp!!! Life is beautiful, and love is here to make the rough situations easier
Comment from : Amelia de Oliveira Gama

I love this couple So kind to each other and with such a warm smile on their faces as they share their most intimate financial details with the world Acknowledging past mistakes is the first step to change and growth You guys got this! And with this amazing attitude, love and respect for each other, you will go places I hope they are reading these comments here and are feeling good about themselves
Comment from : janek

Man, these two are struggling with so much, but they are dedicated to each other They are going through the ups and downs together, and learning as they go We should all be so fortunate to have that kind of love in our lives I wish you two the very best, and great things to come
Comment from : CJ

Aw! I love this couple 🥰 So sweet! I wish you guys this best of luck!
Comment from : Lisa V

Beautiful, lovely, kind couple❤ So happy to see such an inspirational and motivating couple It is not easy to kick an addictive habit, great job Gabriel❤brAlso, I must shout out to Ramit, you are not just sickly handsome, but have a great sense of humor and humanity Great watching you😊
Comment from : Ágnes Juhász

I was with an addict, and I went through all of that I personally know how hard it is for the addict and the spouse I have great compassion for both ❤
Comment from : tabysart

This is my favorite episode so far I wish them the best!
Comment from : Alejandra Pardo

Their story is very similar to our story, thank you all so much 💗👏🌞
Comment from : Bailey Hugo

I ❤ them! All the best to them
Comment from : Alexis Davis

Keep it up Gabriel and Ana!!
Comment from : stockton12

What an adorable couple! I wish their family all the best
Comment from : Aliaksandra H

I listened to this podcast and had to come over here to comment Thank you both for being vulnerable and sharing your story and allowing us to walk through with you in this conversation We’re in a very similar situation early 30s with 3 kids no savings and just making it by Listening to your conversation gave me hope Thank you so very much I really hope the best for you both
Comment from : Hawthorn

Ana you are showing people what it means to be a supportive wife thru the hard times in life! Good job! It makes me want to be a better wife!
Comment from : Karina Oliveira

All the best and success for this family❤
Comment from : Van Alh

About “0 interest” credit/store cards - that interest resets to the full 20-30 APR, retroactively assessed from the time you spent the money, if you don’t pay off the entire amount in full by their deadline, which is usually between 90 days and 1 year
Comment from : joefunk76

Gabriel and Ana I am so proud of you! You guys are a team and it shows it! I know you will be very successful in the years to come!!! Good Job!
Comment from : Karina Oliveira

I am seeing a trend of women being the family's financial executives and operating managers Why aren't boys and young men taught these skills?
Comment from : Caryn M

Honda owners know!
Comment from : Caryn M

Currently advising / non-advising (because I am not a financial advisor!) my friend who has come out of addiction I'm helping her put her finances back together, over the past year, and still ongoing This vid was good insight for me, while I'm helping her It's emotional for you, and I hope no one is here to make fun of you as a couple That's not fair, because you are making changes Stay close to your sponsor, and your family You're doing good man!
Comment from : Megan Bassett

This is hands down one of my favorite episodes! Gabriel you have nothing to be ashamed of, if anything you are brave! We all suffer with addictions rather its over spending, drinking too much, its all a drug at the end of the day His wife deserves kudos as well showing what it means to support someone you love through the ups, down and even the ugly Thank you both for sharing your story because it is so relatable!! I wish you both much success on your journey to living your rich life!!
Comment from : Janell Batey

They seem like sweet people Nice couple Best wishes to them and their family
Comment from : M Patreece

My husband is interested in knowing where your sweaters are from Are you a Loro Piana guy? ;)
Comment from : Christine M

Absolutely beautiful couple with beutiful communicaition Ana seems so supportive of Gabriel too Alll the best to them and their family <3
Comment from : Susanna

I loved Gabriel's willingness to admit his missteps not only with lifestyle, but also with spending habits I also loved Ana's gentleness and patience with him Wishing their family well
Comment from : Tifi Paul

Another awesome episode
Comment from : Gruncle John

This one is heartwarming
Comment from : Odom Nou

Hey Gabriel - proud of you for getting help Much love brother ❤
Comment from : Phil White

Gabriel, overcomming addiction is somthing to be proud of, its a battle and you won, happy for you and your beautiful families future
Comment from : Loretta Lobb

When CORE inflation hits 2, the Fed is lowering rates and banks are paying 3 , stocks will start going up , dollar cost avg into "VOO"
Comment from : a a

Truly inspiring! I am wishing them so much success Finances are hard but you can do it! And Kudos to Gabriel for beating his addiction It's such a hard battle You should be so proud ❤
Comment from : Krista Williams

There are men children and women children Marrying someone who has no financial literacy will keep you poor
Comment from : Miss Gui

very nice couple, positive!
Comment from : Kev01lin

Ramit, you look fantastic!
Comment from : RosietheDoc

I sense yet another case of a woman who is frustrated with the man's lack of responsibility and initiative It's a reminder that women are fully capable of handling things on their own Love it! Please more couples!
Comment from : Homensoruinamulher

Congrats on your sobriety I personally know how hard that is to achieve It’s a huge accomplishment Be proud
Comment from : Justin Ellison

Prime example of why you don’t SPOIL your kids The best gift you could give your kids is love and support but not giving in to every whim and desire they have Most important values are - self-respect and responsibility One of the most important lessons you can teach your children is hard work and goal setting I struggle with it too as a mom because you want your kids to have the best I’ve learned over the years that teaching them to work hard and save is so important
Comment from : Isabel Reyes

My goodness, Ana is such a gem, I love her!
Comment from : melior

One of my favorite episodes
Comment from : Eduardo Cortez

This was a really great episode Thank you for opening up and being so honestbrA lot to learn from youbrAnd thanks ramit for another amazing episode
Comment from : Akiva Rosenblum

Ramit, why would you use a credit card vs a debit card if you have the cash and you’re going to pay it in full anyway? Just curious what the benefit is, since you don’t care for credit card points or rewards
Comment from : Katelynn Smith

44:19 wow - powerful! That’s true growth mindset Gabriel just modeled for all of us Really inspiring as he acknowledges the feelings coming up, acknowledging Brett wow equally committed and hopeful in making healthier choices with money Very inspiring!
Comment from : Donnamarie Alecciano

I wish they would have talked about their retirement plan though
Comment from : freeagentgirl23

Anna is incredibly strong and Gabriel is incredibly brave I'm sure they've gone through some s$it together, but this is how you evolve together - compassion and understanding Shout out to Ramit for being so kind to this couple, but tbh, you can't hate on these two Really rooting for them to be debt free in less than two years With an emergency fund and retirement accounts
Comment from : Crystal Adams

When Ramit said he'd take care of the comments, I felt immense satisfaction that I knew Gabriel would be taken care of Ramit is savage dealing with trolls onlinebrbrThis was a great couple Acknowledged their past and have the right attitude to create a bright future for them and their family I wish them the best
Comment from : Kelly Murillo

I love this show but dang, is it just me or is half of his show "commercials"
Comment from : e d

Ramit, I really loved when you took the burden off of Gabriel’s shoulders when he started to worry about the comments on his past and addiction Honestly, that was so beautiful and made me tear up He has a beautiful future ahead of him and they have a beautiful future together I’m excited to see an update ❤
Comment from : Lindsay Vigue Photography

14 mins into this video, and already want to commend Gabriel 20 for his bravery! My heart goes out to this amazing couple Look how far God has brought you both! The sky is the limit Stay strong, and keep going You both are an inspiration to so many!
Comment from : Meg Mag

This couple is so lovable, I could just hug them
Comment from : Sahai Donaldson

The stores really pressure people to open cards at the checkout counter these days I think it was Target that could be really pushy
Comment from : DJ

I'm half way through the video while posting this comment and don't really care that I haven't finished it yet Gabriel is an example of how I would love to live life: Strong, honest, rational and willing to write his wrongs and focus on his future all while taking his family into consideration Well done Gabriel
Comment from : Ej Icon

This was refreshing to listen to after last weeks episode
Comment from : Danielle Vallee

I wish this couple the best of luck, they have the right mindset to come out ahead Thank you for sharing your story and mad props for being a team for your kids!
Comment from : yama

Loved the honesty and vulnerability of this couple Sounds like they will be a better team from this session I totally can relate to their money issues Thank you to this couple for sharing your finances
Comment from : sourxiss

What strong individuals and a powerful couple! Anna and Gabriel, we are rooting for you! You’ve got this ❤❤
Comment from : Lindsay Vigue Photography

Gabriel, good on you for coming on this show and showing you are vulnerable Don’t be ashamed of the addiction issues You got this! Anna, great job with standing by him and being a great team
Comment from : Ben Perry

I'm starting a business and am about to be financially stable enough to start putting money into the market My biggest question before I get started is: How do I know if the stock market is too high right now so should I wait for a downturn before investing? Or what type of stocks (ETF, Index Funds, Penny Stocks, High Yield Dividends, etc) should I buy at different turns in the market?
Comment from : Watkins Jorge

Wow, truly one of the best couples! brbrI was used to couples not talking, getting stuck on minor details, having to unpack their traumas, triggers (don't get me wrong, I still learn a lot from those episodes) but seeing two young people ready and truly needing just financial support made my day! brbrThey showed how it can be straightforward, easy to communicate, etc They've done the hard work now they just need support getting to the next level brbrSuch a difference from the last two couples, ty Ramit for having them on the show!
Comment from : JM JM

Beautiful, strong couple! I really appreciate how they communicated with one another and how committed they were to working on things as a team!
Comment from : monique g

❤❤❤❤❤❤❤❤ RESPECT
Comment from : _ssjim

Gabriel should get checked for ADHD He seems fidgety and it might be influencing some of his “impulsive” behaviors Also explains the father having similar traits
Comment from : Rack Focus

I pray this couple reach financial peace
Comment from : Anon Anon

Wow, i love these 2! Rooting for you guys!!!!
Comment from : Albert Caraballo

Gabriel, everyone has addictions, some are just more societally acceptable Huge kudos to you in putting your pride to the side to do what's best for your family (both in kicking your addiction and even just being candid on the podcast) Also amazing job all around to Anna for holding the family together and hopefully she can catch a break and get to breathe soon
Comment from : Chloey Loman

❤ hearts for Gabriel it takes a lot to put your financial business out there to the world it takes even more to share a story of addiction I wish you and your beautiful family every happiness going forward It was so beautiful to see what I saw as you repaying your beautiful wife for her loyalty and support by taking accountability for your actions and being present and motivated to work with her on this Truly one of the only episodes I’ve watched where it very much felt like a team mentality from the beginning Wishing you success in all areas ❤
Comment from : Donnas Wonderland

His wife loves him for real I'm glad they came out on the other side of his addiction and are rebuilding Good on him for working on himself
Comment from : MELinated

❤
Comment from : Jouis ta vie by MarieLiesse

you guys are inspirational ❤
Comment from : Iris Fink

All the best, guys! You got this! One day at a time!
Comment from : Miras Adilov

I really enjoy watching people create a budget and realize their financial position isn't as catastrophic as they believe Financial discipline by budgeting every dollar and getting out of debt as soon as possible Applaud them for figuring this out and getting on the path to financial freedom I do love the quote of "When is the best time to plant a tree? 20years ago When is the second best time to plant a tree? TODAY!"
Comment from : Jester435

Good luck Gabriel, stay clean for the family bro! You got this!!
Comment from : Devon Standard

This is true love and partnership looks like You guys got this 💞
Comment from : Black Women Build Wealth

My new favorite couple! 🫶🏽 Great attitude
Comment from : Haze Sobh

Lovely couple…Anna is one strong woman Gabriel must have strength to over come addiction for 3 years They would do best to move and live as an independent family It would be awesome to have Gabriel’s parents on! I wish this family all the best💜
Comment from : Mama Loves the Beach!

I admire your courage Gabriel! Best is yet to come
Comment from : Kevin Hughes

I appreciate this couple opening up especially coming from the Latino culture These topics are typically taboo I will also say that in the Latino culture multi-generational living is common Go Ana and Gabriel, hechale ganas—wishing your family the best
Comment from : Marlene

Aloha Ramit 🌈, I very much appreciate your ability to mediate your guests and consistently enable them to feel a sense of being seen/heard through your inquiry process Also, thank you for your referrals Definitely looking into them Mahalo from Hawaii 🙏🍍
Comment from : Anne Contreras

I wish Ana and Gabriel all the best For him to overcome his addiction is no small feet and a huge blessing for that young family
Comment from : Clifford L