Ramit claims that parents often feel they must prioritize their children's needs at the expense of their own financial health, but they can and should improve their skills in both areas.

“money is just skill like any other skill and if you work at it you can get better at it”

Ryan believes that providing material gifts to his children is a way of ensuring he is a good provider and avoiding failure.

“I'll break my back to buy my kids whatever they need because what does it mean to you everything it means that I'm providing for them it means that I'm not gonna I'm not gonna hit rock bottom like I'm not gonna fail”