Ramit Sethi of I Will Teach You To Be Rich talks to Megan and Nyles who are in their twenties and on a great trajectory with their money. She graduates from law school this year—sending her income from $0 to $215,000 overnight. But they’re both haunted by childhoods spent in poverty, leading to toxic scripts and trust issues. — 🚨 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 * Get my no-numbers journal: https://amzn.to/3j6Tmuf 🤳 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 00:02:28 — 2: Why Nyles started holding Megan's money for her 00:14:23 — 3: Megan says Nyles is a little stingy 00:15:32 — 4: Why Megan gave Nyles $17,000 00:17:38 — 5: Megan's surprising past with money 00:24:09 — 6: Megan gets hooked on credit cards 00:27:22 — 7: Ramit is blown away by Megan's story 00:32:00 — 8: Nyles reveals he also grew up poor 00:34:43 — 9: Ramit tells Megan she's the definition of the American Dream 00:40:08 — 10: Ramit breaks down their numbers 00:47:48 — 11: Nyles admits he drives around town to save $0.10 on gas 00:55:57 — 12: What Ramit would do if he were Megan and Nyles 00:59:06 — 13: The dreaded phrase: "We're throwing money away on rent." 01:05:57 — 14: Their minds are blown: They're on track for an $11M net worth 01:14:46 — 15: Where are they now: Megan and Nyles' 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.