b'This conversation with Mike and Kate brings a completely new, and shocking, outcome to the podcast. They\\u2019re 29 and 32, with some massive life changes on the horizon. But they can\\u2019t save any money and lack the financial discipline to make real change for the sake of their family.\\n\\nThis episode is brought to you by:\\nLMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at\\xa0https://drinklmnt.com/RAMIT.\\nFabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at\\xa0https://meetfabric.com/ramit.\\nMasterclass | For unlimited access to every class and 15% off an annual membership, go to\\xa0https://masterclass.com/ramit.\\nBetterHelp | Visit\\xa0https://betterhelp.com/ramit\\xa0today to get 10% off your first month.\\n\\nConnect with Ramit\\n\\u2022\\xa0Get the Podcast Newsletter and exclusive Q&A about the show\\n\\u2022\\xa0Get Money Coaching with Ramit\\xa0\\n\\u2022\\xa0Download the Conscious Spending Plan\\n\\u2022\\xa0Get my New York Times best-selling book\\n\\u2022\\xa0Get my no-numbers journal\\n\\u2022\\xa0Other episodes\\n\\u2022\\xa0Instagram\\n\\u2022\\xa0Twitter\\n\\u2022\\xa0YouTube\\n\\u2022\\xa0Submit a question for the newsletter\\xa0iwt.com/askramit\\xa0\\n\\nIf 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\\xa0here.\\nProduced by\\xa0Crate Media.'