“We’re worth $2.3M at age 37 — are we saving enough?”

I know a lot of you are about to get extremely angry — and I love it. Here’s why… [Podcast Newsletter Header](113/d586LZ04/VW26dv3Ds3YwW5hn5CF3V1dR0W2x7JLQ5chyZkN6D7jYb3qn9gW7lCdLW6lZ3kVW3z-w9084H3VfW2xwCd06xFwFhW9gZfmp8BBW3KN79jc4M_08LNN2hX1CLKzbZ4W272Tp_58bx9_W3ptyBj542_htW26S4w71tclHYW4SbdZf1xc_j9W4Q1X7D34tGwgW4KDXNX263rJgW5WRPZn1MlSdrW4Jp-Z-1PmcJDVhjQGH8w47nQW2-PxWr4xRH9MW7VYKxj2l2vKDW443RQ_82zVkxW9chr1v913ydzVjC7TL7P--LrW4X38GX78MyyXW91dCzM32T9QqW1QQB-D9hkNH3W562rQP2PnxFbW8WHhq646PxKzf2RhDbs04) {NAME}, Today we’re going to look at another Conscious Spending Plan for a real couple. I know a lot of you are about to get extremely angry — and I love it. Here’s why… This couple tells me that they are 37 years old, immigrants from India, and they work in the software industry. What you're about to see is that personal finance is not simply about numbers on a page. It’s mediated by all of the experiences that you have, the experiences your partner has, the dynamic you have as a couple, and even by the culture in which you grew up. Pay special attention to that last word “culture” — it’s going to play a large role here. Keep reading below to check out the CSP. “When I asked him about the fees, he said, ‘Don’t worry about it.”🤔 Meet Brian and Rachel, two attorneys in their 50s. When I spoke to them on my podcast, Rachel told me about a financial advisor she worked with for 12 years. You can check out the whole story [here](113/d586LZ04/VW26dv3Ds3YwW5hn5CF3V1dR0W2x7JLQ5chyZkN6D7jYb3qn9gW7lCdLW6lZ3ntW6PnnCY67ty49W6G3n197ct4gdW4W6bpG2pL0SJW4W2TBH8dtlH6W5HDp1S14-8-hW2RrnrF5q5T1lW5q_0L33-RpHYW1vhrts7VDykLW6ZP0mw1trsjdW5qsRSY3YH34NW7Bg_fS6GDbDLW5p7fN18pZjkfW3r56lL6BnQtXW7JZk5y1FkTdYW2MTgsC4V7wBVW5TXLJn70FDC7N2G8B908cN0-W85d2T46K8mdxW8N3zwM8_j2m4W5lt-0p2ztWQkW3Qt26P2-dlFPW2zzfc366RTLlW5wsQs08r53qcW712c0t8kMp13f7ZkQZb04). A few years in, she realized she wasn’t sure how much she was actually paying him. So she asked “what are the fees?” His response: “Don’t worry about it.” [Financial_Advisor](113/d586LZ04/VW26dv3Ds3YwW5hn5CF3V1dR0W2x7JLQ5chyZkN6D7jYb3qn9gW7lCdLW6lZ3lKN7xjK4pZYMbqW1HsDS32XnjrqV3vQ3H16RSR4W7VqNmF4zQ0pNW31C7809dMsYtW4wmQrM4QDNDpN4vCz8--nrlMW2HPj9S6XWXk8W1CHRj61SBZ50W7RFfKP3ZZmGjW73s6d-4l97NkW4Zl5fn7PvZLCW1_yFw320wVwcW70C8LH18NdThW13p1p_2V1kjZW8TBZFx36L2Q3W3PMVLq339-p6W5kQF4h41JWkgVCfxHW5C0FN3W1KL-b53qLkBfV7jQRQ4mN2BCN6ThpY-122ZJW4FxcrQ3YSqNgW3RRvYm86qVNMf18NxLz04) My reaction when Rachel told me her advisor’s response to “what are the fees? When Rachel pushed, he danced around it more: “well, it really varies…with most people, it's about 1%. Some pay 1.25, some 1.5%. But it’s really not that much money…” IT DRIVES ME CRAZY how crafty they get with the wording to make the fees seem so insignificant. On top of that, after 12 years and paying fees, Rachel realized she actually lost money! This is one of the reasons I say never work with an advisor who takes a percentage-based fee. If you want someone to look over your financial plan, always go with a flat fee or hourly fee. I recommend you check out this newsletter’s sponsor, [Facet, where you can get your own CFP for a flat fee membership](113/d586LZ04/VW26dv3Ds3YwW5hn5CF3V1dR0W2x7JLQ5chyZkN6D7jXW3qn9gW6N1vHY6lZ3mtW6tbBks7YXJT5N6KtN9gcRJQnW2W-N_S21z7z5W7sBV2W2Jv0pfW4DXB8y8-0M6HW2DKJ1f1GQTlBW937pnw55-vWsW8b3Bp18GNqx6W3LKpxr13tHd5W2BJ49J6b8R5KW639NNH4mrfJXN1CNTd9PPFRmW1lJVMn5k7_49W5NTDFp12t5lCW5lFHkc3QGgN_W5sBbT_4Sd865W973Gls6kg7qcW2SP8_C6gCwCDN5xBFQq6zX2xW22hfD76Xp5t2W8XtXhS3J_tSdW247YP04Pq-Ykf95rj9204). If you decide to sign up, they'll waive the $250 enrollment fee for new, annual members and they'll give you $500 into your brokerage account when you invest $5k within your first 90 days. Check out this couple’s spending Below is the Conscious Spending Plan of a couple who wrote in recently. Here’s what they shared with us: - We’re both 37 with a 2 year old living in Seattle, WA - Immigrants from India working in the software industry - Our fixed costs have gone up this year with a new car and we already had a big mortgage - We feel our expenses are way too high - We feel we are not saving enough for our retirement given our jobs are in software and AI might make our jobs go away or reduce our incomes drastically - We also started retirement savings very late when we started in our 30s. Let’s check it out… NET WORTH $ Assets (home and car) $2,060,000 Investments (include 401K, non retirement — all investments) $1,510,000 Savings $70,000 Debt (mortgage@2.6% and car@2.49%) $1,300,000 TOTAL NET WORTH $2,340,000 INCOME Gross monthly income (all income before taxes added up) $70,833 Net monthly income (how much you take home after taxes) $45,500 FIXED COSTS (50-60% of take home) 40% Rent / Mortgage $6,750 Utilities (gas, water, electric, internet, cable, etc.) $700 Insurance (medical, auto, home / renters, etc.) $150 Child Care $2,200 Car Payment / Transportation $2,000 Debt Payments $0 Groceries $1,800 Clothes $200 Phone $90 Vacations $2,500 Subscriptions (Netflix, gym membership, meal services, Amazon, etc.) $140 Miscellaneous (automatically adds 15% for things you forgot) $1,775 FIXED COSTS TOTAL $18,305 INVESTMENTS (10% of take home) 56% Post-Tax Retirement Savings $22,500 Stocks Child Education 529 $2,833 INVESTMENTS TOTAL $25,333 SAVINGS GOALS (5-10% of take home) Vacations $0 Gifts $0 Long Term Emergency Fund $0 Add your own here $0 SAVINGS TOTAL $0 GUILT-FREE SPENDING (20-35% of take home) 4% GUILT-FREE SPENDING TOTAL (Dining out, movies, anything you want!) $1,862 My thoughts: Net worth - They have $2 million in assets: home and a car. Very nice. - Investments $1.5 million by age 37. Well right there, that's the ball game. That tells me that this couple is going to be extraordinarily wealthy over the course of their life. If they simply left that money in the market and did nothing else, it would turn into many, many, many millions of dollars at a conservative 7% return rate. - Their savings are at $70,000, which I'm sure is fine. - Their debt, a house and a car both with low interest rates of $1.3 million leaving them a total net worth of $2.3 million. - Again in their mid 30s, this is a fantastic place to be. Let's take a look at the rest… Income - Okay wow. Their gross monthly income is $70,833. That means that they are making almost $850,000 per year. One of the reasons that I like to include high-net-worth or high-income people in my material is that you typically never see their actual numbers. Most people making a lot of money or who have a lot of money won't share it, especially because they have no reason to and other people get really mad. But I personally learn from couples who have $400,000 of debt and I learn from couples who have $8 million and I think you can do the same. At $70,000 a month, that gives them a tremendous amount of flexibility. - Their net monthly income is $45,500. Okay great, let's look at the rest. Fixed Costs - Fixed costs at 40%. That tells you a lot of what you need to know. Without even looking at their individual fixed costs, I can simply tell you that when you earn a very high income, your fixed costs will naturally shrink. First, because your fixed cost number is a percentage of your income. - Second is that the price of bread is the price of bread. If you earn $30,000, $300,000 or in this case $850,000, you're pretty much buying the same bread. Sure you might spend an extra $5, but bread is bread. Toothpaste is toothpaste. Therefore your earnings become super linear compared to your expenses. Your expenses might go up 5%, 15%. If you get a really nice house, they might go up 30%. - But when your income goes up like this couple’s has to $850,000, it becomes very difficult for your fixed costs to stay at 50 to 60%. So I'm not surprised that their fixed costs are lower than 50%. This happens rarely, but it's almost always with very high-income earners. Now let's look at their investments. Investments - Whoa, 56%. That would be extremely high if this couple were making $80,000. But the fact that they are making $850,000 and investing 56%, it tells you a couple of things… - First, it tells you that they can, again, because a high income is super linear relative to most expenses, they have a lot of margin left over and they have chosen to get aggressive about it. In this case, they are investing almost $300,000 per year. That's a tremendous amount of money. Now in many ways I like it. If you're making a very high income, your investment numbers should be high. This is exactly my own personal philosophy. Because I have a high income, I'd better be investing more. That's the point. That is how you take a high income and turn it into incredible wealth. - However, I have to say I'm a bit troubled. They said, "We feel we are not saving enough for our retirement given our jobs are in software and AI might make our jobs go away or reduce our incomes drastically." Right here, this tells me that they are playing life on defense. They are so far ahead of almost anyone else and yet they still feel worried. - Because they tell me that they're immigrants from India, a culture which I understand, I can tell you that they're probably going to go the rest of their life worrying about money, thinking they're behind, agonizing over tiny expenses and never actually zooming out and recognizing that they have already won the game. They could get laid off and they would be fine and that in and of itself is unlikely to happen. Savings - Savings are at zero probably because they already maxed out the amount they need for an emergency fund. Fine. Guilt-Free Spending - Their guilt-free spending is an abysmal and pitiful 4%. Again, I can tell that this couple lacks the creativity on how to spend money meaningfully. Making $850,000 a year and only spending $1,800 a month or 4% is not something to be applauded. It's actually something that needs a lot of work. I'm almost willing to bet that this couple spends tons and tons of time worrying about tiny $3 questions but rarely asks “What could we spend our money on to make things magical? What kind of trips could we take? What kind of experiences could we create for ourselves, for our kids? How can we buy our time back?” - Looking at their notes, I noticed that they said they have a child of two years old. If I were in their position, I would be spending as much money as possible to make my life easy. That would mean: - Having food prepared or even hiring a chef - Having a nanny or any type of childcare help if they are open to it - And if they have the ability to ask family to join them, flying their family out — and flying them business class only, which is also what I would suggest for them. There's no reason not to make their life comfortable - They've already won the game. Notice that they said, "We feel our expenses are way too high." This is a classic comment of people who have feelings and their feelings may be real to them, but they are completely disconnected from the reality of the situation. In other words, I'm never going to tell you to stop feeling a certain way, but your feelings can lead you astray. With this couple, it has dramatically led them astray. - If this couple, age 37, which is not even at the peak of their career, continued on the same path they are, same earnings, same investment rate, by the time they retired, they would have over $35 million. This couple can't even spend $2,000 a month. What are they going to do at age 65 with $35 million a year? In my opinion, this is a pointless pursuit of wealth without building the skill of spending money meaningfully. - So, if I were this couple, I would sit down and have a completely different discussion. It would be, "Hey, technically we could increase our fixed costs by over $10,000. Is there something we want to do? Can we make our childcare more convenient? Do we want to buy better groceries? Hell, do we want to have somebody buy our groceries?” You better not be shopping for your own groceries with a young child, two busy careers, and $850,000 a year in income. “Vacations, what else? What do we want to do to make those vacations even more memorable? We want to bring people with us. We want to expand. We want to bring a nanny with us. What do we want to do?” - Your investments are at 56%. You want to keep your investments high? Be my guest. But where you really need to be focusing on is the fourth category, guilt-free spending. Where do we want to spend our money? Because this is a skill that right now, this couple is lacking in — I really want to encourage them to build this. - Rather than approaching their money out of fear and playing defense, go on offense. We've done great. We've accomplished more than we ever thought we would. We've set ourselves up for financial success for the rest of our life. We can easily take $5,000 a month and spend it on things that are way more meaningful to us. By the way, you can afford a lot more than $5,000 a month, but I'm just starting you off someplace achievable. - Nice job on the financial part of it. I really want to see some improvement on the spending psychology part of it. Thanks for writing in! What was your biggest surprise from this CSP? [Ramit Sethi Signature] P.S. New podcast: “We have no savings but bought our kid a $500 toy for Christmas” (Part 1) Elizabeth and Jonathan struggle with debt and have never been able to save $1,000. Yet they seem pretty relaxed about their situation. Are they ready to take their finances seriously? [Check out this fascinating conversation here.](113/d586LZ04/VW26dv3Ds3YwW5hn5CF3V1dR0W2x7JLQ5chyZkN6D7jYv3qn9gW7Y8-PT6lZ3m5W848Gmr1lQsBFW1Q2ZxC54L-2DN3_fbYZPttP3W3TDMkK5C5vs6MgwZ8yjzNm3W2s7Bg81jbkR8W3mQw_t4r2-vmW2xYtmF63tJxfW4GXvjW6BskKDMXjL6DwXhF3W9k5Y-L9l0RfRW61ss_v2VFwtvN7CM4Yk8kllMW5s0WXf3V0gymW1R_sn6645B9jW6rNBQj8Y7YFDN5tQy5kFwnpqV7SNJc1t6H_bW8l11WY6Rr1mpW7fYVwc4tFf-yN35h99xkx8sRW6lVHML4ZSsgqW8FkX_y2gsP5JW5ksMxW50tv0TW29TDbT5QF0dPW96ySt13RR5nGf2N7YXP04) [Podcast_No savings but we bought our kid a $500 toy](113/d586LZ04/VW26dv3Ds3YwW5hn5CF3V1dR0W2x7JLQ5chyZkN6D7jYv3qn9gW7Y8-PT6lZ3mBW1D-hzc4fKW5LW65ZG9V1rVB85W3gDnqt6S8b9HW9b5FjG1VFwCPVzVgRQ8S0z7MW4bP_Lv73Nv60W56rvMT5_8WcpW1vsTf83Mdw3VW45sLml6Sqq9sDmmdV_5YFRW2SQgN96gCvf6W3lZ6W-5sfBVFW2GbK3_2G4q2TW73ypGW2xfc-zW4FQZ9M2gx0GqVkT6Vy26Z6kVW207Xkt8-Q-knW8ZvJGx21PjK1W2FGX6827bfwbDlwfn9d1c3W2TFHK249k7SdW1ww5R61_vjDJW728h9c36BLBTN553HPbc2jL1W94cLc_8lMSDzW6MplP690j6Q2f15HmS604) [Programs →](113/d586LZ04/VW26dv3Ds3YwW5hn5CF3V1dR0W2x7JLQ5chyZkN6D7jYv3qn9gW7Y8-PT6lZ3krW2NgK3R2VfqX4W1f8b4p5cdN5DVz9Sph48J8WnW3mVPmw1sKwDKN6bY8WxQKpz7W4Fcn1l86Mp13W4lyjW2888FtNW2_Z2g71ZysgtW6Ck2T68TkQf1W9lGRf_5CM2pRW8NSCCf133RLFW2kPfTH8rH3qFW2HCSgx1GcftqW8q--Vl2ybJgmW4TFh9p5yrrXkW3xnS3s91PtDcW6WqQ2k2p6GvrV1w2Nx5-1hFTN53gmkSgMzG-N2sDK9N7X1KmW8jqMbd93JbCCW4JzFjD5cHZn4W6r8ghr7-qbm6W2L6s_r29YjcVW10gDTh7JbQcTW7tKcZC8p1W-Qf1GWYG604) [Podcast →](113/d586LZ04/VW26dv3Ds3YwW5hn5CF3V1dR0W2x7JLQ5chyZkN6D7jYv3qn9gW7Y8-PT6lZ3n9W51Ld8p1-6wyWW5C6fwT3tcmwQW8rg76t3Z50Y9W2Pk4yY51r5CPW4_X63410vgXYW7y9rNF8h6-4hW6nbzQr8FCNsFW3qX7ZZ17RbkGW1DkFVW6sVSYBW1TTKsg1X5YB_W4jcnYq2136y5W5Y_Gb35VKJ6RW8hx1zn531y3HW54cgqJ2wZ-zJW5hdyM23BxFfrN52m4Bpz2v6wW1ZZxVh3tsDVGW7pLFkb7W5Xf4W2RLvMd36DwNxW4z_wdK5hdKZkW5RRLlR1SP-3cW4l5H8B4DV7bdW1VZ7ff3JF5zVMDpps-pfKGbW4fwbsH16YC3sW3KJ85V9bS63Vf8HRX2j04) [Netflix Show →](113/d586LZ04/VW26dv3Ds3YwW5hn5CF3V1dR0W2x7JLQ5chyZkN6D7jYv3qn9gW7Y8-PT6lZ3mKW62XkQP41n6sWW98YmmM1ZpQ5VW3Zz0_93hWkHDW4Bt_t997S-svW8CQ7ZG2szZsHW7Zb_Ql4-1SJ9N5zn9Y4cs75qW3kD8Y28bdl0vN5HxDD8xQmc8W76FJGP8yC02fW2zFnvT17hR6GN43GQJ1X_D1qW2Bgy712NHHMPW5_bq1n4hv8PyW2ZzK1r3HYbHyW22D5Hj7hWFSkW6_4Dmg3WChJzVmHFpc9l_M5FW3zXJqw5V2kK0W7p41fs711pY3W613r_-4LC10fW4MRGKM38BRzkN1-L8sQs5XGSVNND6x1tmV3HW9kY6QB99_TtBW8MfWDl1tV7Cpf1Mszbd04) [Books →](113/d586LZ04/VW26dv3Ds3YwW5hn5CF3V1dR0W2x7JLQ5chyZkN6D7jYv3qn9gW7Y8-PT6lZ3nxW2ZvLWB7MzwhwW7TLYWB1w5h75N4X2hgFxmN8yW47VfP_3jNYrVW6v8WK26krCCnW6-Mq1j1kWsVjW9672cP8jVxk8W6g-pKh2QzX2xN4JHwTKXvffFW49t-HJ37PfWcW8lHPDl1KRw_mW3VDlDr5Bm3wtW8nM26W5MvJTnN2RqDJyXpKwzW7vzKtD90VQ2XW8Bdd8Z58mVgfW2TJz8k1rPl9lW93J0R560wdwKW8PtjTz6wNlFgW7ZnmGg37rf3jW99pXrB71Ly_CN1Ym7YDHSd_GW47Mld17zbx2_W2WByB_2R63grW5k38Qr8wPVx-W4MHSJ56kBHGWf6j2QkT04) [Website →](113/d586LZ04/VW26dv3Ds3YwW5hn5CF3V1dR0W2x7JLQ5chyZkN6D7jYb3qn9gW7lCdLW6lZ3kCW5dhlKg2mBg0hW76rn0Z6Px-XCMkZL4XZSVCLW949c-97D6LvHW8rqbvZ45-S5XW3xMZDw5nkWS9W6hvtZM62Bwj_W3jDhZ97h8gLVN3sxpqLFNpjGW8YKH755RxgnfN83Bt9MR8_7NW2TyhDc2k3KWTVlSqpy92-pzxW26v9Lz6y8hVBW8gykP912nCNTW3qwJvh1kl7CZW5gr4Qg6k5hFQW2z5PN38tn7s9W1q26WW5rbpG2W945kqM78M3b4W86GyYH17W67VW1JNFGl7jV98ZW8k72mP8P5yDhN8qC99qkhBbxf44Zvns04) [Instagram](113/d586LZ04/VW26dv3Ds3YwW5hn5CF3V1dR0W2x7JLQ5chyZkN6D7jYb3qn9gW7lCdLW6lZ3nbW2Z8H5t4k2x-4W9bJ2Nb76wRmxW3ZTgmk8lrQfpVTCbvW5GPhlYW3XNz9z4wjnHsW4HmnYj1k2GYnW2-yc1s3SVcShW19Vg1P5Tn6L-N9cy2BHBD2lKW1QHp4n3GXnh6W6hCGlN5HHvH3W7C84vM6pgydvN3HBd1fPrvPdW6CPWkl159j9YW6MM19822h9nRVR2dqg4cYQVYW7Jr2Vj3v67VMW1YXLXQ4gLtVmW3RpJNK4CWVYRW7T1P9p1GV-NjW1jc2xg668CwWW7wp4S25MKB09W940FrH6Dz5VVW6bdXM53NLHGhf1gLBxn04) [LinkedIn](113/d586LZ04/VW26dv3Ds3YwW5hn5CF3V1dR0W2x7JLQ5chyZkN6D7jYb3qn9gW7lCdLW6lZ3kRW3BYd242nHkY3VvB9Gg3JMnSZW6B_vCS5GnDHWW5rSpMY1FvfDCN3J5ss1TsbhRW5PCxWh1H_y9_W3v_B_W65S-lpW6z27wL79ZxLbW1jkBY-2N5v1dN3Kw9vXpPKzVW8CQfRN22cVZRW3GlgWn8cT0LkW4XzDrG2-NnkgW7NFf2y2BndRlW6Vlgy_6LWZsLW6S-1gc6fn8zGW43-2X28bLGPgW4g300v12x4HbN69bVGC5yj1fW5LHQtX1dW5TNW8059RM40TPKHW3qtmjy5WTy0cW8BThm57Xpfv5W78DHws6XGq-3f8zYx2n04) [Twitter](113/d586LZ04/VW26dv3Ds3YwW5hn5CF3V1dR0W2x7JLQ5chyZkN6D7jYb3qn9gW7lCdLW6lZ3kCN5LKT8fRJ0DPW2wY-b544LvwYW6srY5z1l6pXBW4VBD913vKk_3W5RGbxg8ppXLMV-yPmt3tkbJWW5GWs9p5p7l_yN6l3Sgl74Pw6VkCWhD4kK-qHW175rCr7ltbP-N3DdlqKrHCJ8N6Cpn0lCn2hkV5h2VF1q2BbGW5y7p9W1qs495W793Tq15tQDVWW3NKC6t9bnS6TW1Zqh4M3n--GFVjRdtJ3JJYyRW36JgcR62sSVwVP9Vvq1kBX0sW10ySRb5NKZp_W7GdS6W8HwXQ6W1_WFrr5-HwJTW3KkgMd6C-5h3dCsnV604) [YouTube](113/d586LZ04/VW26dv3Ds3YwW5hn5CF3V1dR0W2x7JLQ5chyZkN6D7jYb3qn9gW7lCdLW6lZ3lkN6RLFdR8SFH8W6YHj7X4nwVKWW4X8dWj7NLqkkW6tQqFb4kXrgFW6Vjfqz3-6Ry0W5_t_2g30ssn5W44zsXq8TnQb3W4LLT857gNhGqW6386D69fwJsMV3-c4G138Qq5V7mcZB2rmHb9W93v4Ym4348KLW4RVF9x5wYGDlW5c4xYc22csDJW8Rm2Cx5h6lCQVhq0Kx5PsJW9W1_82Mh6-WWN_W1ndHrj6WCRf5V-YPMr544XjMW5pjH0_3HgQyhW8X37YB5W0Kq7W2gDcfg424VqqW6HQygs3X4wCgW3hg4bB2_35x6f5mYbLz04) Was this forwarded to you? 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