I Will Teach You To Be Rich - 101. Where Are They Now? Netflix Reunion with Millie and Christian

Episode Date: May 25, 2023

In this special limited series, we’re following up with couples from my Netflix show, How To Get Rich. Tune in to hear what’s new, what isn’t, and where their money conversations have gone since our taping. Today, we check in with Millie and Christian on the MLM, gambling stock, and more. This episode is brought to you by: Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit. Nomorobo | To protect yourself and your family from phone scams, go to https://nomorobo.com/ramit for a 14-day free trial. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to https://www.longangle.com/ to learn more. Links mentioned in this episode Get my New York Times best-selling book Get Money Coaching with Ramit  Join Earnable Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show Download the Conscious Spending Plan Get my no-numbers journal Other episodes Instagram Twitter YouTube Submit a question for the newsletter iwt.com/askramit  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. Produced by Crate Media.

We thought we were going to be the golden children of this show. Okay, we thought you were going to come in here and be like, you know what, I'm just going to leave because you guys are perfect. And then like Christian said, you should get them calling us out on all our bullshit and all our stuff that we were hiding under the rug. Sometimes I don't like getting pulled up to do. And the fact that I was able to I ran away.

And so like just being able to be like okay, Lily, like just letting go, being okay with finding a job, you know, and like getting back into that, that was like something that I had to like really accept there right. I think it just shows like a really ship shouldn't have egos right or one team. We're not here to say hey, this is my side, this is your side, I think for one team and we're working towards one goal right?

Like it's our money, it's not your money and my money. And I think that was something we were struggling with the best for you. He's my husband at this point, you know? We're not just like boyfriend and girlfriend and a high school relationship. This is like forever. Welcome to today's special. Where are they now episode with Christian and Millie from my Netflix show How to Get Rich?

Now, today you're going to hear where they are financially and otherwise a year after filming the show. If you haven't yet finished the show, hit pause, go watch all eight episodes, and then come back here so I don't reveal any spoilers. Okay, here's what you need to know. Christian and Millie told me that they want to create an empire together. They own their own place and they generate positive cash flow by renting out units of their apartments. He works for the federal government, she's a realtor, but as I learned, she also is involved in multi-level marketing. I had no idea before I met them. In fact, on the show, episode six, I actually got the chance to go to an MLM event to play fantasy. This why I truly have my own rich life, because I get

to go to MLM events and then ask very pointed surgical questions along the way which you get to watch. Now, what I really liked about Christian and Millie is they are both very family oriented. They both are children of immigrants. In fact, one of Christian's financial goals is to retire his mom. But the problem is they keep making these bone-headed financial moves. Like he invested in a meme stock and lost tens of thousands of dollars and she has been saddled with a Cadillac from her MLM. Listen in to find out where they are now.

First of all, have you heard some news about the show? Yes. What have you heard? Yes. I've heard that we're, they're gonna like announce it tomorrow and then that it's launching on tax day, which is cool. Yep. Yep. I'm gonna be honest, I was skeptical from the get.

Yeah. Even Millie told me, hey, we've been selected for this show. I'm like, well, this is gonna be for you, Millie. I love you and I will do this for you. Oh, wow. Millie, hope it works out for you. Good luck. Yeah.

Wait, why is that Christian? I believe TV is all set up and like, you know what, it's all fake, a lot of it's fake, and I don't, I'm big skeptic, right? Like, it's all made for viewership and stuff like that. And I'm like, all right, I'm doing this for her. So finance just really interested us. And that's one of the reasons why I really accepted

to do this show because it was, she told me, hey, it's about finance. And I'm like, you know what? It's no, oh, how's life kind of BS? I'm like, this is, this might be something real. And let me give this a fair shot. And it's a really open my eyes, it really opened my eyes because I thought this was gonna be something totally

different than it actually turned out to be. You made us feel very comfortable. And so like when we were having this conversation for moments there, I felt like it was just two of us sitting down talking and the cameras were gone. I really felt genuine. I guess it's the word. It felt genuine. Yeah, like we were just hanging of us sitting down talking and the cameras were gone. It really felt genuine. I guess it's the work. It felt genuine.

Yeah, like we were just hanging out in my living room like we were talking to our friends. Like, because this is how we like having, we like having these conversations. We like talking about money and what we're gonna do next and what we're investing in. And you can have that conversation with everybody. Not everybody feels comfortable to have that conversation.

Because it was either, somebody was gonna come in and yell at us or somebody was going to be like, oh, everything's perfect. You guys are doing great. And that's it. But no, we were genuinely just chatting. Yeah, we're having a good time. And it was also fun because you two have a good sense of humor. So I could joke around with you and I can be like, you did what? And I think that just makes the whole thing fun, you know? Like, money doesn't have to be so serious. I know. Okay, I'm excited. I just want to know also what's been going on.

So can you give me an update? You want to go first? I've gotten a raise since the last vote. How much? So I went from making last year to making 109, right? I've been making 118, but with 25% availability pay, which I discussed with you prior, it comes out to around 140, I'm making about 147 now.

Wow. Nice work, that's awesome. Yeah, it's got some bigger numbers on the update. I was like, ah, what happened here? That is fantastic. Okay, great. So congratulations on that. That is amazing. There's so many updates though. Christian's being modest. So, I can't think of this. What do you mean? We got marriage in the last week of our year.

Oh, yeah, that. Okay. All right. I'm sorry. Nothing. Maybe we should have Millie run this part of the conversation. What do you say? Millie, you got Mary congratulations. Thank you. Yes. So excited. We got married. Everything came out perfect. We went on our honeymoon. Where'd you go? What Italy? Oh my god. Tell me about it. Where'd you go? everywhere. We rented a car. We landed in Rome, rented a car, and we didn't plan anything. We kind of just went with the flow. It was amazing. We went to Rome. We went to Florence, the Amalfi coast. We ended up in Switzerland. We went to Monaco, Slovenia,

the river bowl. Venice. We went to all the major like cities in Italy. um sovania uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh uh kind of like, what about now? What's going on now? And to hear that you took a one month honeymoon and just rented a car and said, let's go in Italy, to me, that is just so beautiful. Congratulations. It was a crazy experience, but I loved it. The freedom of not having the worry do we have enough money for moving from place to place, right?

We really didn't think about that. We were just like, let's enjoy our honeymoon. But we deserve it. Let's enjoy these next, if it was 25 days right, Miley. And you'd be proud of us because we weren't like, cheap with like where we were staying either. We were staying at a very like nice hotel. Like, here he is.

Like, we are usually would be like, okay, we're currently staying. Yeah. Yeah. We for the flight back. When we went to the honeymoon, we did first class or business class, I think is what they call it now. I was like, Christian, you shouldn't have done this to me because I'm not, I don't, I don't want to go back.

Wow, it was different. This is what I mean when I say you should live a rich life today and a richer life tomorrow. In order to do that, you've got to know your numbers and you've got to be working on improving your money psychology. So when it comes to your numbers, things like your savings rate, your investments, what exact month and year your debt will be paid off. All of this is covered in my book and in my money coaching program. I'll throw links in the show notes below. Now, it could mean that your rich life today is staying in luxury hotels or buying fancy cars.

Fine. Or it could mean that you've planned for it. You've designed your rich life. And maybe today what's possible and meaningful to you is a picnic in the park with your kids. It doesn't matter the level of fanciness or extravagance. What matters is that it is intentional and personal because that is what makes your rich life meaningful to you. Okay, I love coffee and I want to tell you about the system I set up so that I can get all kinds of new coffee regularly. I know there's a few brands of coffee that I love. So I set up a document and in that document I track the types of coffee I love, Verve,

Joe Coffee in New York and there's a few other brands that I love with the specific roasts. Joe coffee in New York and there's a few other brands that I love with the specific roast. But then every single month, I'm hunting looking for new types of coffee. And so what I'll do is I'll ship myself a couple of new bags of different roast, different types of coffee from different regions. And then I take a little notation card, I write down what works and what doesn't. Now if you think I'm a psycho, what am I going to say? This is my rich life. But I'm sharing this because a lot of us love coffee and a lot of us want to know where

to discover new coffee. That's why I am thrilled to introduce you to today's sponsor, Trade Coffee, which is a subscription service that makes it very simple to discover new coffees and to make great coffee at home. Trade partners with top rated independent roasters so you can get their best quality coffee set right to your home. It's all hand picked by their coffee experts. And maybe you already know what you like.

Like for me, I like verve coffee. It's one of my favorite brands. It's on trades platform. Or maybe you're not sure and you want to experiment. Either way, trade makes it easy and convenient to discover new coffees and they will send them to your home on your preferred schedule. So upgrade your morning routine with better coffee.

Right now, trade is offering our audience a free bag of coffee with any subscription at drinktraded.com slash remeat. That's drinktrade.trad.com slash remeat. R-A-M-I-T for a free bag of coffee with any subscription purchase. Again, drinktrade.com slash remeat. At IWT, I'm all about teaching my listeners and students how to live their rich life, whatever that means to you. For me, a rich life is being able to invite my closest friends and family to a stunning

resort in Mexico for my 40th birthday. It's having a personal trainer plan my workouts and my macros every week, and it's never having to get a spam call. Think about it. How many times a day are you getting a call from an unknown number, or better yet a text from XF345Z claiming there's a problem with your electric bill? I'm busy. I want my day to be efficient. I don't have time to deal with these spam calls. That's why I want to let you know about this episode's sponsor, Nomo Robo Max. Every single unwanted call is stopped dead in its tracks.

Calls from people you know still get through, just like normal. And for those unknown numbers that might be legit, like clients or delivery people, Nomo Robo's call screener will jump in and let you know exactly who's calling and what they want. Then you get to decide if you want to take the call. It even protects against spam and scam text messages. And the people over at Nomo Robo take your privacy very seriously. There's no ads, no tracking.

The best part is it's affordable. You can protect your whole family for less than $7 per month. If you want to protect yourself and your family from phone scams, go to nomorobo.com slash remeath for a 14-day free trial. That's n-o-m-o-r-o-b-o .com slash reme r a m i t congratulations on the wedding double congratulations on the honeymoon and the income increase that's amazing give me the rest of the updates

what else what else okay i started a new job as soon as we got back from the honeymoon, I started like applying to literally everywhere. I really wanted something remote because I want to be able to travel and Christian travels, which also like we've been traveling a lot. We've gone to Hawaii also since then. We've traveled a lot. Like you'd be proud. I am proud. So I got a job. I ended up getting a position, funny story. So I applied for their accounting position. That's what they had listed on Greg Blitz. And then after one day there, he was like,

I wanna make you the manager. I want you to be in charge of sales. And literally after one day, that was it. That's all he needed. We renegotiated my contract. And now I'm in at 35 an hour. I'm going to be getting commission on sales once I start sales. It's a whole 180.

Wow, congratulations. That's cool. Okay, so you have a stable job. How many hours a week? 40. You make it 35 bucks an hour, so that's roughly 70k a year plus potential commissions off of sales. Okay, how does that feel? You know, it feels good to like have a job again and be doing something and being busy and it just it's a little bit of a shock because whenever Christians going away, like I want

to go with him, he's gone to Abu Dhabi, he's gone to Hawaii, he's gone to, oh my God, how many places have you been through since January that we got back? India. India. Oh yeah, I saw a picture on your social. I was like, what's he doing there? Okay, so Millie, you're saying it's an adjustment because you can't just get on a plane with him. Yeah, yeah, a little frustrating. Okay,

a bit torn, you know. All right, well, the good news in my opinion is you have time to think about what decisions you want to make. That's, and also doubly good news is you have a stable income. I have one question for you because when we talked, you'd had that bad experience with your past boss and it had kind of turned you off to working for anybody. What's it like so far with this boss? I really like him. I really like him. We get along and we have like sort of similar personalities. So we just understand each other and I enjoy his company. And he says that same to me. He's like, I enjoy having you here.

I love working with you. And it's only been a couple weeks or a couple months at this time actually. Sometimes I don't like getting full look to do. And the fact that I was able to, all right, all right. And so being able to be like, okay, Malice, like just letting go, being okay with finding a job, you know, and like getting back into that, that was like something that I had to like really accept if they're right. You ever meet people who go, I can't work at a job?

I'm an entrepreneur. But the problem is that their business is totally failing and they're making no money. I mean a lot of people like this and they will tell me all these reasons why they can never go and work for the man again. And I'm like, I think you need to get a job because it's nice to have all these stories you tell yourself in some cases pure delusion. But the fact that matter is, it's better to have a job that lets you pay your bills than to dream about being an entrepreneur.

Cover the basics, save some money, and then you have options. This is one of the reasons that in my business program, Earnable, I encourage people, if you've got a job, keep that job, start something on the side. And if and when it becomes successful enough, then you can decide what to do full time. Now one of the patterns that happens with people who say this thing, I can never work for anybody, is that they had a bad experience at one job and now they've generalized it to all jobs. That's what happened with Millie. She had a bad experience with a boss and she made $12,000 in a single month with her

MLM. So, she said, I'm not going to work for anybody. I don't like that, and also I'm really successful over here. I personally am really proud of Millie for getting a job where she's now paid more. She has stability, and she can contribute to her in Christian building their empire. One of my favorite things to do with money is to spend it on experiences that I otherwise would not have on my own. For example, when we went to Japan, my wife and I both loved design and architecture. We hired a local expert who showed us around, highlighted different design elements elements and even took us to visit the home of two architects.

These are the kind of experiences you can get when you put on the money lens of experience rather than cost alone. And I bring this up because learning during these experiences like the match a tasting that I've been to and the coffee tasting I went to in New York and the cooking class in Italy with my entire family. These are memories you'll never forget. And I want that same experience for you. That's why I'm thrilled to introduce you to today's sponsor, Masterclass. With Masterclass you can learn from the best and it's all online so you can learn anytime

anywhere and at your own pace. There are over 180 classes to pick, in 11 categories, everything from scientific thinking and communication with Neil deGrasse Tyson, to make up and beauty with Bobby Brown. And new classes are added every month. You'll see classes from instructors like Gordon Ramsay, Malcolm Gladwell, Steve Martin, Esther Perel, and Mariah Carey. For example, there's a comedy class by Steve Martin where he teaches you about comedic timing and how to find your idea and helping you analyze different joke structures to make sure you can get a laugh. These are the kind of experiences that you can use money to obtain for yourself. And of course, at the same time, you are learning

and building whatever skill it is you choose to work on. With Masterclass, you can learn a new skill in as little as 10 minutes on your phone, on your TV, or anywhere else. I highly recommend you check it out. You can get unlimited access to every class. And as an, I will teach you to be rich listener, you get 15% off an annual membership.

Go to masterclass.com slash remit. Now, that's masterclass.com slash R-A-M-I-T for 15% off masterclass. Now, let's talk about the MLM. What's the latest on that? So, I still haven't terminated my account. Okay. And I still don't plan on it because the money that it does make me pays for the car. You still have the car.

I still have the car. Christian, I'm coming to you in a second. Don't worry. I want to hear your opinion. So you still have that car. Okay, it's a nice car. No, it's certainly nicer than mine. And the payment on it, am I remembering right? 660? Yes, 669. And I make, I make enough where at least pace for the car. And just because of that, I don't feel like I should terminate because then that's now one more huge bill that I'm gonna have. Yeah, right. I loved discovering how much you were paying for the car.

I still remember the look on my face. I said, we'll say that again. What? And then going out and sitting in the car, because I thought it was like some old person car, and it wasn't, it's a nice car. But I'm like, I can't sleep thinking about this car right now. So I love the family, that was my favorite,

but I'll also never forget that car. I loved it, I loved it. So you keep it, and then like, what are the last few months, How much did you get paid? I honestly haven't even calculated. I haven't been, I didn't prepare. Well for that. That's okay.

Most people I talk to don't prepare speaking to me. I have a dream that one day they will. You said that that MLM has covered the cost of the car, which by the way they mandated you get. But how do you know that if you haven't calculated how much you've made over the last few months? Oh, for last year though, I did calculate. And it made enough wear and paint for the car. That's how I know that,

because we just got our $0.99. Got it, okay. Christian, what do you think about this? I think you should get a small car payment and hand in the car. But then again, I think we've taken your advice as the one-to-proportioned method of incomes to pay off the bills. And that's helped out a lot. And I know it's been a big stress reliever in the relationship.

Um, so with that being said, when it comes to the car, she pays that honor by herself and that's something she's taken upon. So I think she's done the math on that and it's working up for her. Okay, I approve of that. That's awesome. So let me tell everybody watching why I like that is sometimes we choose to have something extra nice or extra expensive. That's okay in a relationship, but the person who chooses the extra nice or extra expensive thing should probably at least pay the difference in what the two of you might pay or maybe just pay for the entire thing. Not the choice I would make, but it's not my money. It's your money, it's your rich life. So that's cool. All right, more questions the proportionality. This is a big deal. How does it feel overall doing that adapted system?

It feels good. I've always been for it. I always wanted to help out more, right? She was always a person right down the middle. Everything had to be 50-50. She was always that kind of person. I'm always like, hey, I don't mind providing more. I don't mind doing this, but she was always dead set in her way of like, no, 50-50. I want to put up my share. So I respected that.

And we got to the point when we started doing the show. And we started to realize you brought up the proportionality and I'm like, hey, we never thought of that. And I think that's helped our relationship a lot in many ways, not only money wise, but I think emotional, very emotional ones. How so? I think it just shows like a relationship shouldn't have egos, right? We're one team.

We're not here to say, hey, this is my side, this is your side, I think we're one team and we're working towards one goal, right? Like, it's our money, it's not your money and my money. And I think that was something we were struggling with the best years. It was just like he said, like an ego thing. And I'm glad I let my guard down because I mean he's my husband at this point. We're not just boyfriend and girlfriend and a high school relationship. This is forever.

So that's why it's partnership. One person takes the lead and then that might shift. I love that the two of you have found a way to work together for both of you. That's awesome. Okay. Any other updates on the financial side? Yes, we never sold the stock either. Oh, God. The gambling stock. No, not the gambling. That's all we're going to, are we going to miss this part? I thought we were gonna miss this part. Millie's like, I have my list of things to talk about.

Tell me, Millie. So we haven't sold draft things, or I remember drafting the one that we lost like 80 or 90 thousand on. Yeah, how could I forget? So you kept it and how's it doing? It's going up actually. Oh God.

So what is the lesson that you take away from this? I always love when people take away the absolute worst lessons. What's the lesson you take away, Christian? Just waited out. By a super risky gambling stock and then like you'll probably make a ton of money. That, yeah, that's a good lesson to take away. No, definitely not. I think I've learned my lesson with this. I just, I guess part of me does not want to let go yet with, I guess, the hopes. But I've spoke with Million I have discussed this. And I think we've set a target loss.

Oh, okay. So basically, once it reaches that target loss, I will take the money out. What is the target loss? How much are you targeting to do? $40 a share. So we want in at $65 a share. So once it goes back up to $40 a share, you'll sell. Okay. And what is it at right now? I can actually look right now. You know, he has that on his home page of his phone. It's something like this. Delayed. I can give you the latest. Yeah.

Down to the second. It is. It's at 1835. Okay. So it only needs to more than double. Okay. Great. And what if the stock goes down? No, God. I don't say that. I was not expecting to be called out as much as we were called out on our stuff. And I think that was a wake up call.

But you calling us out and calling me out on our draft thinks maybe wake up and be like, maybe it was some like, it's all right. You do whatever you want your money, but maybe you should communicate with your wife, right? Like it's something you guys need to speak about more. Even if you're going to decide on doing it, it's something that should be mentioned. And the same goes with her as far as the MLM, right?

You asked me, hey, do you know how much she makes? I had no answer for you, right? It's something we just didn't discuss, right? I handled the stocks. She handled her MLM and it's something surprising for me we thought we were going to be the golden children of this show okay we thought you were going to come in here and be like you know what I'm just gonna leave because you guys are perfect and then like Christian said you can call in the south on all our bullshit and all our stuff that we were hiding under the rug, so that was necessary. God, this is such a great example of why the vast majority of people should not be investing

in individual stocks. Christian made a random arbitrary decision to buy a stock. He's lost tens of thousands of dollars. His wife didn't even know about this. And now, rather than sell it, he's decided to create another arbitrary number that it has to reach, which by the way is more than doubling where it is today. And all the while that money is sitting there doing nothing for them. That money could be better spent or better put in a simple thing like an S&P 500 index fund. But because we are cognitively wired to never want to admit large mistakes such as this, it's going to be very difficult for Christian to actually become decisive and sell this stock. Again, a great lesson on why the vast majority of people should not be purchasing individual stocks.

Any other updates on the financial side? So we have also implemented the automation. Yes. How's it going? Yes, we've automated, we've open savings accounts and we've automated that. Yes. Yes.

So every month we have money, a percentage. Like we separate all our percentages. I have it like all in my phone like organized. And I did Christians, I did a mind. Tell him, tell him how we came about this. So we finished your book on our honeymoon. We came long drives. That's very romantic for everybody listening.

That's exactly what you do. You know what's funny? I finished writing that version of the book on my honeymoon. So it's kind of coming full circle. In fact, I was right in part of it in Italy. How funny. Okay, that's kind of cosmic. All right, so you finish it on the honeymoon then. And we started over in the accounts right then and there in the car. So I feel like he literally I don't have to stress about that. I already have saved for it.

My sister had her back to rent like two, three weeks ago. I already have the money saved for it. And actually when we calculated everything, it says that we have a lot more like spending money than we thought. Oh my God. But then we're comfortable spending. Yes, guilt-free.

But it's not guilt-free. I feel guilty. But Remedic can't do it. I know I can't do it. I'll help you guys with that. Honestly, it's amazing to see just a look of relief and of joy on your faces. Like, we have a system.

Yeah. We have been telling everyone, read the book. Please, read the book. It's so good And I love that it's it's like an instruction manual it literally tells you what to do It's not just reading no, it tells us what to do and then you're so just like you know late back in it and your dog Then it just makes it fun to read we've Recommended it so many people And every chapter is something that is helpful in a different way credit cards, you know, investing, everything was necessary.

Everything that you talked about, we were already in a little bit, but not to the best of its ability, basically. Like we weren't really, it wasn't optimized. That's what you wasn't optimized. That's the perfect word. Because of the work that you've done, you've now earned the right to think beyond basic savings and subsistence. And you can't keep yourself small. You can't. Your parents came here.

They taught you so much. They gave you the opportunity. You've got to take advantage of that You have this money. You've already nailed all the other things now. It's time for you to really focus on How do we build the skill of spending our money in a meaningful way? Can you do it? Why don't we think of these things? That's great. No, that's great. I totally agree with you. That piece of mine is amazing because money has been put towards that and has been saved towards that for these

things that come up. And I think that has, and not only has helped us financially, it's helped us emotionally with the both of us Because money is a stressor. As much as we didn't want to talk about it, money was always a stressor. Yes, I made good money even back then, but it was communicating, hey, do you want me to buy a hundred thousand dollars of Josh Kings? Or do I have to do it without telling you, right? Yeah. Yeah.

So now you can talk about it. And now you have a structure to be able to talk about it. It's not, uh, you want this and I want that. It's like, what do we want? And it's also being honest. Hey, we are going to have some birthdays this year. We are going to have a wedding this year. Let's talk about it. What do we envision? One of us wants to go for three days. One of us wants to go for one day. All right, let's talk about it. But money is not always driving the conversation. I love the level, the two of you have reached, which is let's start with what we want to do.

And then let's use our money to support it. That's the way, that's the rich life. You start with what's our rich life. And then how do we find money and deploy it to use to create that rich life? You guys are living it. So I love that we did it together. The most memorable part that comes into my head is the conversation I had with my mother and my backyard.

I remember that. When I told her, million, I took her to the backyard and I told her, hey, in a couple of years, we've set up our finances, we plan on setting up our finances to have you retired, to be able to retire you and you only have to worry about working anymore. And it just sent chills. It put me in a spot I've never felt.

And it put her in. I saw the tears run down our face and it made the tears run down my face and I'm like, this is a feeling I'm never gonna forget. It was one of this is a feeling I'm never going to forget. It was one of those core memories that I'm never going to forget for this or my life. I'm doing what my parents intended for me to do. And that is, they took the risk coming to this country for a better life, to give their children a better life.

And I'm trying to do what they intended for. So, and after filming the show, my mom said, we've had two conversations about it, and she's asking questions, and she's just, she just says, I'm extremely proud of the man you've become, and the show has helped me, or has made me open my eyes to show me, hey, Christian, you're doing the right thing. You were ready to play ball.

And as you will see, not everyone plays ball. You two did an awesome job being open to change. Honestly, you are, I think the last people I'm speaking to today before the news comes out tomorrow. So nobody knows. My friends are going to be like, is this a joke? It's crazy. So I'm excited. Like, I can't wait for the world to meet you two. I think it's going to be so much fun. Oh, I'm so nervous. I'm not going to lie because the world can be a little mean sometimes.

But I am really excited too. Because I talk about this, you know know like this has been like a passion like when I talk about it I like you can feel it you know like I like this stuff so I'm excited I'm excited thank you thank I'm really excited you know my facial expressions don't show it's in time but you've been said I'm very excited this is excited face well the two of you have been so great I'd love to stay in touch and congratulations it's's so impressive. Even where you were when I first met you but especially where you are now, I'm so proud of both of them. Best of luck and let's stay in touch. Alright, see ya. Bye. Thanks for listening to I Will Teach You to Be Rich. I'm Remedie Saiti.

Please follow the show on Apple, Spotify, or wherever you listen to podcasts. If you haven't read, I will teach you to be rich. My book, pick up a copy. You can get it at any bookstore or any library, and it will show you the specific tactics for how to build the I Will Teach You To Be Rich system into your personal finances. for how to build the I will teach you to be rich system into your personal finances.