Ramit claims that Charlie's restrictive view on money is causing him to live a worse life, specifically by avoiding necessary health expenses.

“this is a problem money can solve but Charlie would have never discovered this he would have never even thought of it because his restrictive view on money is paralyzed and terrified of living a worse Life by spending too much money ironically while holding on to that money and actually living an in”

Charlie admits that his automatic response of claiming they cannot afford expenses is often irrational.

“I think you're characterizing well how what I said but now that you say it I see that it doesn't make sense”