[00:03:29] Ron: I’m not cheap because I don’t mind spending money if we have it. I save because I see dollar signs, dollar signs, dollar signs, and I just think of these numbers in my head like, we’re going to spend this big amount and actually, you already have a budget because it’s good to do that when it’s only going to be a small amount. So I’m already thinking the worst.
[00:03:50] Ramit: What is the economical part of that?
[00:03:55] Ron: Okay. Maybe the cheap ones.
[00:04:35] Ramit: Cristina, I’m curious, in your opinion, that same conversation, what do you remember happening?
[00:04:42] Cristina: I told him about it and his default answer was no. I know every time I talk to him I have a game plan with him. I tell him like that, how will it be. This is how I save money. But before I get to the point where he says no, it really disappoints me, and I feel really bad that before I can tell him how I save money and enjoy my time, it’s like he’s raining on my show.
[00:05:10] And I can’t even plan with him or make the right decisions with him like, if I give him a plan to say, I’m going to use this, and I’m going to do this to save money, I can afford this, I can’t have that with him. By default, the end of the conversation is, well, you know, money. If you say we can do it, do it.
[00:05:32] Ramit: That’s right. Out of curiosity, Ron, if I were to ask you how much is in your checking account, out of 25,000, how much is it?
[00:05:45] Ron: Well, it’s not 25,000.
[00:05:50] Ramit: Ballpark it.
[00:05:54] Ron: Seven to 10.
[00:05:55] Ramit: That’s right. And in, let’s say a savings account, can you say how much money is there? Your savings account.
[00:06:02] Ron: Oh, I mean my personal, I don’t know, 2,000, but we have a few different accounts.
[00:06:09] Ramit: That’s right. And your joint savings account, how much would you say? Cristina considers this to be the most entertaining reality show she has ever seen. Cristina, am I getting this right?
[00:06:23] Cristina: Yes.
[00:06:24] Ramit: He can’t stop smiling for the last two minutes. That’s right. Stay strong. Ron, joint savings account, you packed it for me.
[00:06:31] Ron: 10.
[00:06:32] Ramit: Okay, okay. Cristina, what do you say?
[00:06:35] Cristina: Closed. It is completely closed.
[00:06:38] Ramit: How much money?
[00:06:39] Cristina: A lot. The accounts are incorrect.
[00:06:43] Ramit: Okay, checking account, I think Ron said 7k.
[00:06:47] Ron: Yes, seven to
[00:06:48] Ramit: What was he talking about?
[00:06:49] Cristina: So his checking account is at 2,200.
[00:06:53] Ramit: That’s right.
[00:06:55] Cristina: My checking account is close to four because I just got paid.
[00:07:00] Ramit: That’s right.
[00:07:00] Cristina: Our joint savings account is about 8,500, and our joint checking account is about 4,600.
[00:07:11] Ramit: Not that far. Ron, I think you’re in space. He didn’t say $200,000.
[00:07:18] Cristina: Yes, of course.
[00:07:19] Ramit: That’s right. You know what? Ron, I’m giving it up for you. You were closer than I thought. That’s incredible. Cristina, how come you think you are going wrong?
[00:07:29] Cristina: Because every time he talks, he has two thoughts. Either we are poor or we have no money.