Today, I’m reviewing the finances of REAL PEOPLE — I'm talking about their income, their debt, and their spending! And I’ll tell them exactly what I would do in their situation. THIS VIDEO IS BROUGHT TO YOU BY ➡️ Facet | Facet is offering $300 into your brokerage account if you invest $5,000 within your first 90 days, plus the $250 enrollment fee will be waived for new annual members. This offer expires December 31, 2025. Head to https://facet.com/ramit to learn more about which membership option is best for you. 💬 TALKING ABOUT MONEY * Podcast episode: https://www.youtube.com/watch?v=s2Ac1Qtgt8A * Get a Confident Money Mindset: https://iwt.com/mindset-yt * Word-for-word Scripts for Couples: https://iwt.com/talktopartner-youtube 💳 SPENDING MONEY * Conscious Spending Template: https://iwt.com/csp-youtube * Debt Payoff Calculator: https://iwt.com/debtcalculator-yt * Money Coaching with Ramit: https://iwt.com/moneycoaching-yt 💸 MAKING MORE MONEY * Find Your First Profitable Idea: https://iwt.com/findanidea-youtube * Earn1K | Earn $1,000+ on the side: https://iwt.com/earn1k-yt * Find your Dream Job: https://iwt.com/dreamjob-yt * Earnable | Start & grow your business: https://iwt.com/earnable-yt 📈 INVESTING * Investment Calculator: https://iwt.com/investmentcalculator-yt * Retirement Calculator: https://iwt.com/retirementcalculator-yt 🚗 CARS * AAA TCO Calculator: https://www.aaa.com/autorepair/drivingcosts * Use this service before negotiating: https://fightingchance.com/ 🏠 HOUSING * Ramit’s House Guide: https://iwt.com/houseguide-youtube * 28/36 Rule Calculator: https://www.omnicalculator.com/finance/28-36-rule * Mortgage Calculator: https://www.bankrate.com/mortgages/mortgage-calculator/ * NYT Rent vs Buy Calculator: https://www.nytimes.com/interactive/2024/upshot/buy-rent-calculator.html Ramit Sethi is the host of Netflix’s “How To Get Rich” and New York Times bestselling author of “I Will Teach You To Be Rich” and “Money For Couples” Find Ramit on Instagram: https://www.instagram.com/ramit/ Subscribe so you don’t miss any of Ramit’s videos: https://youtube.com/user/ramitsethi/featured/ ⏩ CHAPTERS 00:00 Introduction 00:33 Conscious Spending Plan #1 09:34 Conscious Spending Plan #2 29:03 Conscious Spending Plan #3