Ramit asserts that he cannot help Kate and Mike because they refuse to be honest with themselves or take responsibility for their financial problems.

“If you can't get honest with yourself and with me, then we don't really have a chance of making a change here.”

She claims that she is committed to establishing better financial habits and moving away from her past patterns of spending without regard for the consequences.

“I do understand mutual financial goals are essential and will take steps every day to build that connection.”

He supports the need for regular financial check-ins or 'money dates' to keep their spending and financial goals aligned.

“We are now committed to having more money dates together to discuss our rich life and fine-tune it as necessary, at least one in 2 months.”

Kate claims that she is not currently good at managing her finances because she is ignoring her debt and failing to pay her bills.

“I'm not confident in being good in it at it at all.”

Mike admits that he has given up on managing their household finances because he felt defeated after spending their savings on the house.

“I have almost given up like just kind of said, "Okay, you're you're in charge of the money now and I I don't like that we're not really on the same page about it."”