I couldn’t watch this video - Sofia with an F was so annoying and makes women look so shallow, petty and selfish. I feel sorry for any man in your life . I could tell Ramit didn’t think too highly of you, but he’s such a true gentleman. You weren’t picking up on clues-
Agreed, she’s beyond shallow and obnoxious. No surprise she’s single; no men of substance would want to be around this behavior. Love Ramit, the only reason I’m here but I still can’t finish this video.
I came to watch this because I enjoy Ramit. I enjoyed her show but it's hilarious that she claims to be a "very progressive woman". She has attitudes straight from the 1950's: he always pays. His money is ours but my money doesn't matter. She seems to never want to step up and be a partner.(Having said that...I'll definitely watch her again. She's fun.)
I was 100% with you until you said you'd watch her again. Her red flags were sooo strong and I'm not looking to date her. Ramit is the only reason I stayed tuned in
"Empowered" these days can sometimes just mean "empowered to bring nothing to the table and leech off the world and everyone who comes in contract with the black hole that is my life".
I love this episode. It’s funny how Sofia rejected the idea of a woman paying, When Amit is married. I am with Amit, I love when wife paid for a date when we were courting. It made me feel appreciated.
The part about relationships and gender role is crazy and makes me extremely uncomfortable... I can't imagine women are still expecting men to foot every bill, even when it comes to casual dating. The example that Sofia gave about her own relationship where the man provided and she saved, sounds crazy to me. Imagine if the roles were switched...
It's our fault because we don't set financial boundaries. We need to do better at keeping receipts and tracking our spending so we can call them out on it. Have them pay for the small stuff every time. Honestly; it's cheaper to get a hooker once or twice a week than to have a girlfriend.
The “First few dates guys must pay, guy can’t ask her to pay, guy can’t accept if she offers to pay, etc” group must have a high correlation with the ladies that say they can’t find quality guys. Guys, especially those with a lot of value to offer AND protect, are watching out for this behavior like a hawk. And they are opting out of more dates with ladies like this. This behavior self selects the guys left for a woman after 3-4 dates. But don’t complain if your filter leaves you without good options at the end.
Ramit was a great guest who gave really solid insight and advice about understanding your RELATIONSHIP to money. I definitely want to watch his show now if its more of this content, as I had assumed it was financial advice situational for the guests.
the way sofia has chemistry with any guests needs to be studied. she genuinely makes people laugh and i love how they are conversating in a way that's informative yet entertaining at the same time
The fact that she makes a large amount of money and believes her partner must also make that much money is just stupid. Then she has a relationship with a guy where he buys everything and she pockets all, then she breaks up with him lmao. This is the sad state of dating in America
Ya; and women get mad when we say, all men pay for P... If we pay for everything and all they do is spread, doesn't that mean we pay to play? If we stop paying; they stop playing.... 🤷🏿♀️
Basically, as someone from Ramit's audience, this podcast did a good job for her audience - per Ramit's audience, it was a good crossover and not the answers at all we would wanna know. Again, this aint Ramits channel, so totally get it and was a good listen overall haha
Damn, the trauma is real with her. Her moms relationships made her look for only money in a man. It's deeper than that though. Why did her moms relationships fail? And does she think that only looking for a man to pay for everything is heavier than other traits?
The more money she makes, the more he has to make. Therefore, a 1% earning woman needs a 0.9% earning man to be somewhat satisfied. Yet, that 0.9% man tends to not worry about her income. So, in theory a 1% earning woman is competing for a 0.9% earning man against 98% of women (based on income). Doesn't seem like the best bet to make. When people stop thinking about his and hers and instead see things as ours, i believe things will be better. If she is the bread winner and he is the homemaker, both need to recognize their strengths and respect eachother for it and the value brought to their shared goals. Unfortunately, that requires a lot more emotional intelligence than most people have. Good luck to all of us single people, it's gonna be a hell of a ride!
Sofia, this is my first time seeing your show as I am a Ramit fan. Your double standards and expectations of men on first dates is toxic. As a smart, attractive, successful woman with a lot of money, it is disgusting that you think a woman should not at least offer to pay for anything on the first date. You are equal to men right? You are as good as men right? Then you are equally responsible for finances. If I asked a woman out, I would never let her pay, but it is definitely respectful to at least offer to help pay or pick up the tab. Almost all guys will not allow it, but I assure you we judge you if you don’t at least offer. Or at least offer to get the drinks at the bar afterwards etc. Your attitude and obsession with a date’s salary is also disgusting. I would have dumped a girl at the table if she asked me on even a 5th date. I would give her five seconds to say she is kidding, and then I am leaving. I feel bad for any women that listen to this advice from you and think that will get them anywhere in the dating world. My advice is that if you are a strong empowered woman, you bring equal the power to the relationship. That includes money, sexuality, responsibilities, etc. meet him HALF WAY. His money is his money and NONE OF YOUR BUSINESS until you start talking about marriage. I have a high salary and own many assets, investments, etc. I was with my wife for 9 years before we got married. It wasn’t until then that she ever knew my salary. She still doesn’t know my net worth. She doesn’t care. I would gladly tell her if she wanted to know, but it is not important. You seem to think that money is the most important issue and that is really sad.
Great episode! Loved his takes on certain things, totally agree with most of it thanks so much for bringing on great/success people on your shows. I think being comfortable with money is like being rich nowadays as he was saying and I agree being on rent is definitely a way to do more with money, wow this was an inspiring show loved it Sofia!
Sofia, this was extremely well done. I can’t lie, I was starting to judge at the beginning when it seemed like you only wanted a super rich guy for superficial reasons. But as it turns out everyone has their own story like your mom being the breadwinner and having failed relationships because of it. Just goes to show literally every person’s situation is different and they have their own perspective on things
Yeah but she seems to have reached an incorrect correlation. it seems like the lesson she learned from watching her mom was that her mom having a higher income caused the multiple divorces. Notice how she asked if the women having the higher income leads to more divorce. Does that mean she’s screening guy’s income as a way to avoid divorce? That is oversimplifying her mom’s issues.
@@chemquests you definitely could be right. I’d view it more as simply a preference but childhood trauma is extremely influential so there’s no doubt it can lead to some irrational thinking
While I'm willing to pay for dates, I believe it's essential for both partners to contribute in different ways to create a meaningful relationship. It's not just about financial value; it could be through thoughtful gestures, emotional support, or shared experiences
Watching this make me realize how little the average person knows about personal finance and investments. I’m glad Rami is out there educating the public. I know a lot of people including myself in the financial industry sometimes forget that the average person wouldn’t have the some knowledge as us.
Wow, who would have thought on this channel that I would hear the most freeing statement that will change my attitude! I will not be regurgitating the home ownership model ever again!! Wow.
A) I don’t go on dates. I go out and do things I love with my friends or on my own. I might run into someone I’ll see again and eventually spend some time and activities with. A date is more like “an interview” B) Either way, I’d never ask a guy or human, off the bat or really ever, “how much money do you make?” If I did ask this question--run away really quickly!!!!!!😂
As a realtor to investors, I 💯 agree with what Ramit said about purchasing a home. Unless you plan on using that home to leverage wealth or part of your debt free retirement plan, it might not make sense. And I love how he explains it. I know someone who’s Aunt rented in New York for 40 years, invested the difference in stocks and is very wealthy.
The apartment conversation: We had spent LOTS of time on the phone before our actual 1st date. Then we went to a dance (we were both 53). Afterward we went to his house. It was a goddam mansion. He showed me around. I was very uncomfortable, thinking, “ What if there’s a fire, how could I find an exit!?” We did end up getting married, but I never lived in that house!
Well, people immediately want to take advantage of you, or start making shitty jokes. Its better to not say anything about your wealth, cause its no ones business. Unless you are married to a partner.
I think it’s easier when it happens in the relationship. Most men don’t care but I really think in the beginning men don’t want woman to make more. They can say they don’t care but there are always indicators they do care but if you improve your finances in the relationship, it’s different
We should consider designing a Sofia set with an iconic representation of your memorable phrases incorporated into the background. It would certainly enhance the podcast's overall appeal. ❤️
Why do financial experts do podcasts and just say “invest” but they never give you ideas of investments, or how to even get started in investing your money?
@Randi Sommers There are tons of in depth channels that can show you intricate paths and strategy. It would take hours to actually breakdown a plan and even then, that advice won't apply to everyone. For most normal people, 401k and Roth Ira in either a target date fund or s&p 500, and invest consistently/don't pull out until you are retired. Most don't have a spare 28k a yr to invest so that's about all you need to do. If you want to save for a kids college fund, a 529 plan can be used to accomplish that
If you are under 50, just dump all your money into the ETF VOO, or mutual fund VFIAX, they track the S and P 500. Or do the total stock market versions of those. Prioritize paying off any credit card debt, fund your work's 401k match, then Roth IRA yearly contribution, then 401k or brokerage account depending on your financial situation. Roth IRA or brokerage will require you to purchase stocks. If you switch jobs make sure to roll your old 401k into a traditional IRA account and put them in s and p or total stock market indexes. Not financial advice, I'm not an advisor.
Omg I’m 27 and u would think I was here for Sofia but I was here for Ramit and now I AM HERE FOR BOTH!😍😍😍😍 girly u are so funny! I love it!!😍😍😍😍 great convo!
Second guessing is a waste of time. If someone offers, take it as a generous offer and appreciate and accept it as such. The less second guessing we do in relationships and dating the better. I’m in my 60s… lots of life experiences behind me. If your highest value is that someone makes more money than you do you could miss a real gem. My husband (second husband, 20 year relationship) and I didn’t discuss our finances until we decided it was a long-term relationship. It was within a month. Asking someone about their finances before you decide you’re even interested enough to have a long-term relationship is tacky. The incongruency of what she is saying here and what she is a agreeing to is maddening.!🤦♀️ Listen to Ramit! He knows what he’s talking about! And for crying out loud, read his book!
I thought I was the only one who found that tacky, and opted not weigh in because in the end, it's her relationship not mine. That said, I am with you, I'd be immediately turned off if my date asked me early on how much I made. I'd think she was looking at me simply as an ATM. I don't have anything against her desires, it's her relationships, not mine; it just seemed to come from a shallow place until she mentioned her mom's relationship, and it became clear. I think there might be some trauma there she might want to look into. I loved know Ramit handled that playfully, but still communicated how that might not be a good strategy.
I started watching this because Ramit was on it. However, after a short time I couldn’t take it anymore. Sorry Ramit but you have more patience than I do. I wonder who would actually listen to this lady. I felt like I was watching something out of the 40’s or 50’s. Sorry but you are not progressive at all. You have issues with his money is our money and my money is your money. What a way to go. No thanks.
You know, I’m watching this and realizing this young 30 year old girl is super wise. So I’m sure she will seek good counsel so she can really build wealth.
I can explain this. Dave Ramsey is tailored for people who lack financial discipline so like people will spend on their credit card even if they can’t afford it and rack up a bunch of debt, so only doing debit gives them a limit of what you can spend because that’s what’s in your account (for simplicity’s sake, i know about overdrafts etc.) If you have the discipline and are automatically paying off your credit card at the end of the month every month and not carrying a balance. If you’re only using a debit card. You’re leaving money on the table in terms of cash back / rewards points / perks that credit cards provide. So if you’re able to remain disciplined. Use the credit cards and take advantage of those perks.
The whole renting vs buying isn’t a fair comparison as presented here. Two examples…. 99% of the people who choose to rent are not going to invest the difference between the rental cost and the mortgage cost. They will simply spend it and have zero equity after 20 years, with more toys like cars and boats, that have no appreciable value. Additionally, this choice is really only available in large cities. If you live in some mid-size city or more rural area, the homes available to rent are not very nice. If you are used to living in a nice home that you could buy, finding a comparable rental is not even an option like it might be in NY. Most rentals have cheaper finishes, less amenities and are in less desirable locations. There is a reason nice neighborhoods restrict rental properties.
The man should either make more than the woman, or at least have the potential to eventually make more (usually you can tell who’s capable). The man won’t be as respected by her if she always is succeeding more (this isn’t only money either but that’s another topic). It’s not even if the man is okay with it or not, or even the woman at that. If she’s much more successful, the relationship eventually loses the masculine/feminine dynamic. Then there’s loss of attraction and all that follows. Have this conversation and ask his opinion on the concept. If it scares him or he avoids it, he likely doesn’t make a lot of doesn’t display a belief in himself to succeed. That’s one way to low key figure it out. You can observe how they think as well. Successful people are typically innovative minded and curious how things work. That’s a good sign that he already is or on the proper path to succeed. It’s one way people correctly choose who to invest in. Of course there’s exceptions like if the partners build together or whatever other scenarios. Also another topic though 😅
Not wrong, but when people rent, the majority DO NOT invest, they spend that extra money. Say a $1 million home here in DC may rent for $4,300, but if financed would run around $6k or so with current rates. Of course, property taxes are low in my city. That additional $1700 a month at 9% over 30 years is $3.2 million more. Now, could you lock in a rental home for 30 years? Nah. Again, the problem isn't potential, it's reality.
That's a them problem. If your consistent and disciplined, you'll end up benefiting. Personal finance is personal. Most people don't know how to use credit cards, but I do so I take advantage of it. I also know if there is a pack of oreos in the fridge I physically cannot eat just one, so I don't buy oreos often 🤣
My wife offered to pay on a few of our early dates, even though I for sure made more money than her. I really appreciated it. Her advice is going to keep a lot of girls single, a lot of girls.
Sofia's... interesting. I get her traditional views, but when you're that rigid, you're easy to break. In any case, great convo! It was honest, it was fun, and it was playful! I wish people would disagree like this more often!
Great video, trading come with a lot of benefits And I have just bought my first house through it. As a beginner I was scared of loosing my savings but I’m glad I took the bold step that is now favoring me.
@EmmaMorgan44 Okay but is not luck, is all about having good investment plans most of all trading with a trust worthy expert. Watching professional trading videos and most especially connecting with the right person the digital world is full of in unreal people I met some of them during my success journey. I felt same way when I started especially when you use demo account you might be winning but when you put in real money you start losing I understand and I pass through it all. I’m very happy I’m profitable now.
@DoctorJamesMorganFrank Currently i can attest to the fact that I make $15k weekly through trading which is more better then my monthly salary job. Trading becomes my passive income.
I hear Ramit mention many, many times “target date fund.” But what if you’re 75 and retired 5 years ago? Just stick with a Vanguard-type Index fund like VTSAX?
The conversation regarding relationships was so cringe. Like she says she's progressive while saying she would never date a guy who makes less money than her. Following that up with he pays for everything and she has fun money. I like that ramit is like it depends and is willing to say he's struggled with the concept of money rolls. But like as she goes through it she would never date a guy who allowed her to pay for anything because it means he's cheap and not a provider? Like in her situation of having wealth she needs someone who understands the life style she's aiming for. Someone who isn't trying to take advantage of her and her money and someone who can accept her high earning without feeling immaculate by it. But that's not what she says she says he needs to make more money than her (she's gonna be a multi millionaire one day the pickings will get slimmer with that criteria). She says she's not a gold digger but the whole conversation she basically throws out any options outside of he has to be her sugar daddy and be richer than her. Kinda gross to think a strong, independent woman is being so shallow in her concept of men. Like she needs to find out their bank statements and wealth on the first date too?! So many red flags. Wouldn't you get an idea of him being in the right bracket by asking what he does for a living? Find out if his goals include financial freedom and who his favorite podcast is? Does he listen to a financial podcast if so who? 1 those lead to interesting conversations. 2 those get you in the pair off are their financial goals in the same line as mine? What's your rich life? What kind of a trip do you think I'd enjoy? Finding out their desires and how big their dream view gets can also bring out an idea of their experience. As well as what kind of person they think you are and what they can show you. Also your mom had multiple failed marriages but maybe that's less about the guy making less money and more with how the guy felt about her making more money. Obviously if you want to be a little princess he has to feel secure in his ability to do that for you and be okay with it but with you analyzing his net worth on date one and only seeing dollar amounts how could he feel anything but bothered by you making more money? You didn't mention his energy matching yours or similar upbringing or education or history or his ability to make you smile or laugh or, with generosity skills, work ethic, or sense of adventure. You said let me see if you can afford my time. And just kept pushing this old traditional thought process that feels so outdated and unfair because it is 100% based on gender rolls. Didn't see anything that showed this "progressive" or "current" mind set. From this conversation alone I feel like the guys you were dating probably left because you give this gold digger vibe and clearly you created your wealth for you so you don't need his money. I'd definitely recommend reviewing this "men are there to be used as a bank" energy if you want a relationship to work.
I couldn’t watch this video - Sofia with an F was so annoying and makes women look so shallow, petty and selfish. I feel sorry for any man in your life . I could tell Ramit didn’t think too highly of you, but he’s such a true gentleman. You weren’t picking up on clues-
Agreed, she’s beyond shallow and obnoxious. No surprise she’s single; no men of substance would want to be around this behavior. Love Ramit, the only reason I’m here but I still can’t finish this video.
His money is ours but my money is mine lol typical
I couldn't agree with you more. I think she is a blonde who colored her hair
This girl has charm but holy shit she's a walking red flag lmao(at least from what I gather in this video)
Admit it though, you would still DESTROY!!!!
U don't know anything about charm. She's trying too hard; frankly she's just flirting. That's not charm.
@@drdwgmd14Her physical beauty is counterbalanced by her arrogance and stupidity. So no, I wouldn't destroy.
Def destroy but that’s it
@@drdwgmd14hit it and quit it for sure
This woman embodies everything wrong with the modern era.
Nah she's stuck in the 1960s with her views on gender roles
@@espenbrathen7156its been bad since the 60s
I came to watch this because I enjoy Ramit. I enjoyed her show but it's hilarious that she claims to be a "very progressive woman". She has attitudes straight from the 1950's: he always pays. His money is ours but my money doesn't matter. She seems to never want to step up and be a partner.(Having said that...I'll definitely watch her again. She's fun.)
I was 100% with you until you said you'd watch her again.
Her red flags were sooo strong and I'm not looking to date her. Ramit is the only reason I stayed tuned in
"Empowered" these days can sometimes just mean "empowered to bring nothing to the table and leech off the world and everyone who comes in contract with the black hole that is my life".
This is a good Episode. I just became a fan of Ramti Sethi.
I love this episode. It’s funny how Sofia rejected the idea of a woman paying, When Amit is married.
I am with Amit, I love when wife paid for a date when we were courting. It made me feel appreciated.
You mean Ramit? 😂
I was genuinely happy when he said you’ll be a multi-millionaire, so happy for u 🫶🏻🩷 great guest and episode!!
1:00:11 ☝ WooHoo!!
Multi - Multi - Multi - Millionaire
It's just Math.
This was one of the most interesting conversations to listen to. Comparing perspectives while remaining respectful, bravo 👏
The part about relationships and gender role is crazy and makes me extremely uncomfortable... I can't imagine women are still expecting men to foot every bill, even when it comes to casual dating. The example that Sofia gave about her own relationship where the man provided and she saved, sounds crazy to me. Imagine if the roles were switched...
It's our fault because we don't set financial boundaries. We need to do better at keeping receipts and tracking our spending so we can call them out on it. Have them pay for the small stuff every time. Honestly; it's cheaper to get a hooker once or twice a week than to have a girlfriend.
The “First few dates guys must pay, guy can’t ask her to pay, guy can’t accept if she offers to pay, etc” group must have a high correlation with the ladies that say they can’t find quality guys. Guys, especially those with a lot of value to offer AND protect, are watching out for this behavior like a hawk. And they are opting out of more dates with ladies like this. This behavior self selects the guys left for a woman after 3-4 dates. But don’t complain if your filter leaves you without good options at the end.
there is no way to measure the correlation you speak of, seems like you imagine stuff to shit on women about. You sound like an absolute Incel.
Women want equal rights but they want men to pick up the tab at dinner
Ramit was a great guest who gave really solid insight and advice about understanding your RELATIONSHIP to money. I definitely want to watch his show now if its more of this content, as I had assumed it was financial advice situational for the guests.
the way sofia has chemistry with any guests needs to be studied. she genuinely makes people laugh and i love how they are conversating in a way that's informative yet entertaining at the same time
Sociopath. The way she talks about things like only dating a guy based on his income and making it sound normal is an indicator of that.
This is quite common in podcasting and in conversing with people in general. You need to get out more.
@@mattk8810I think she’s just traumatized, not inherently a sociopath.
Did you just call her an "Airhead"?
@@mattk8810 LOL!!!!!!!!!!!!!!!!!!!!!!!!
Good call on having Ramit on! I enjoyed the episode.
The fact that she makes a large amount of money and believes her partner must also make that much money is just stupid. Then she has a relationship with a guy where he buys everything and she pockets all, then she breaks up with him lmao. This is the sad state of dating in America
Ya; and women get mad when we say, all men pay for P... If we pay for everything and all they do is spread, doesn't that mean we pay to play? If we stop paying; they stop playing.... 🤷🏿♀️
Every where well said
Sofia brining in the good guests. Loved ramits advice. I think we need to manifest Sofia a rich man.
Basically, as someone from Ramit's audience, this podcast did a good job for her audience - per Ramit's audience, it was a good crossover and not the answers at all we would wanna know. Again, this aint Ramits channel, so totally get it and was a good listen overall haha
This women has a -80 iq
Damn, the trauma is real with her. Her moms relationships made her look for only money in a man. It's deeper than that though. Why did her moms relationships fail? And does she think that only looking for a man to pay for everything is heavier than other traits?
I really want to see her on season 2 with Ramit. There's a lot to unpack there!
Single moms create women like this
The more money she makes, the more he has to make. Therefore, a 1% earning woman needs a 0.9% earning man to be somewhat satisfied. Yet, that 0.9% man tends to not worry about her income. So, in theory a 1% earning woman is competing for a 0.9% earning man against 98% of women (based on income). Doesn't seem like the best bet to make. When people stop thinking about his and hers and instead see things as ours, i believe things will be better. If she is the bread winner and he is the homemaker, both need to recognize their strengths and respect eachother for it and the value brought to their shared goals. Unfortunately, that requires a lot more emotional intelligence than most people have. Good luck to all of us single people, it's gonna be a hell of a ride!
Sofia, this is my first time seeing your show as I am a Ramit fan. Your double standards and expectations of men on first dates is toxic. As a smart, attractive, successful woman with a lot of money, it is disgusting that you think a woman should not at least offer to pay for anything on the first date. You are equal to men right? You are as good as men right? Then you are equally responsible for finances. If I asked a woman out, I would never let her pay, but it is definitely respectful to at least offer to help pay or pick up the tab. Almost all guys will not allow it, but I assure you we judge you if you don’t at least offer. Or at least offer to get the drinks at the bar afterwards etc. Your attitude and obsession with a date’s salary is also disgusting. I would have dumped a girl at the table if she asked me on even a 5th date. I would give her five seconds to say she is kidding, and then I am leaving. I feel bad for any women that listen to this advice from you and think that will get them anywhere in the dating world. My advice is that if you are a strong empowered woman, you bring equal the power to the relationship. That includes money, sexuality, responsibilities, etc. meet him HALF WAY. His money is his money and NONE OF YOUR BUSINESS until you start talking about marriage. I have a high salary and own many assets, investments, etc. I was with my wife for 9 years before we got married. It wasn’t until then that she ever knew my salary. She still doesn’t know my net worth. She doesn’t care. I would gladly tell her if she wanted to know, but it is not important. You seem to think that money is the most important issue and that is really sad.
Great episode! Loved his takes on certain things, totally agree with most of it thanks so much for bringing on great/success people on your shows. I think being comfortable with money is like being rich nowadays as he was saying and I agree being on rent is definitely a way to do more with money, wow this was an inspiring show loved it Sofia!
I love how true to yourself you are Sofia- no matter the guest you're always hilariously genuine.
Sofia, this was extremely well done. I can’t lie, I was starting to judge at the beginning when it seemed like you only wanted a super rich guy for superficial reasons. But as it turns out everyone has their own story like your mom being the breadwinner and having failed relationships because of it. Just goes to show literally every person’s situation is different and they have their own perspective on things
Yeah but she seems to have reached an incorrect correlation. it seems like the lesson she learned from watching her mom was that her mom having a higher income caused the multiple divorces. Notice how she asked if the women having the higher income leads to more divorce. Does that mean she’s screening guy’s income as a way to avoid divorce? That is oversimplifying her mom’s issues.
@@chemquests you definitely could be right. I’d view it more as simply a preference but childhood trauma is extremely influential so there’s no doubt it can lead to some irrational thinking
100%@@Shabbafranks7
I tried to finish this video but dang! It’s so hard to listen to her. Ramit is so patient. Hats off to him. 😂
Money and relationship talk is important. Especially how to spend money and where.
Ok so I loveeee Ramit and now I love her! Omg their chemistry was so freaking amazing and hilarious, a duo we never thought we ✨needed✨
Sofia, this is your best podcast to date. I wish you cover more material like this.
While I'm willing to pay for dates, I believe it's essential for both partners to contribute in different ways to create a meaningful relationship. It's not just about financial value; it could be through thoughtful gestures, emotional support, or shared experiences
This should be titled as Ramit Vs Golddigger.. 🙂
Loved this collab. We need Ramit in more joint shows in then future.
Watching this make me realize how little the average person knows about personal finance and investments. I’m glad Rami is out there educating the public. I know a lot of people including myself in the financial industry sometimes forget that the average person wouldn’t have the some knowledge as us.
Wow, who would have thought on this channel that I would hear the most freeing statement that will change my attitude! I will not be regurgitating the home ownership model ever again!! Wow.
A) I don’t go on dates. I go out and do things I love with my friends or on my own. I might run into someone I’ll see again and eventually spend some time and activities with. A date is more like “an interview” B) Either way, I’d never ask a guy or human, off the bat or really ever, “how much money do you make?” If I did ask this question--run away really quickly!!!!!!😂
I really love this interview…the rawness in how you both are in this interview
I would never commit to this woman. I am sad that he agreed to be on this podcast. This belittles the work he has built on his reputation.
I was NOT expecting this at all. Sofia you killed it! The chemistry between you guys is amazing. Great interview and great info given!
LMAOOOO the combo I never thought we’d get
i loooove ramit 🎉🙌🏼
As a realtor to investors, I 💯 agree with what Ramit said about purchasing a home. Unless you plan on using that home to leverage wealth or part of your debt free retirement plan, it might not make sense. And I love how he explains it.
I know someone who’s Aunt rented in New York for 40 years, invested the difference in stocks and is very wealthy.
Couldn't listen to this episode, Ramit is great but this girl is just too annoying for my taste
The apartment conversation: We had spent LOTS of time on the phone before our actual 1st date. Then we went to a dance (we were both 53). Afterward we went to his house. It was a goddam mansion. He showed me around. I was very uncomfortable, thinking, “ What if there’s a fire, how could I find an exit!?” We did end up getting married, but I never lived in that house!
Always nice when girls like this are so upfront about their red flags 🚩
In America it’s shameful to admit you are wealthy. This is so true.
Well, people immediately want to take advantage of you, or start making shitty jokes. Its better to not say anything about your wealth, cause its no ones business. Unless you are married to a partner.
I think it’s easier when it happens in the relationship. Most men don’t care but I really think in the beginning men don’t want woman to make more. They can say they don’t care but there are always indicators they do care but if you improve your finances in the relationship, it’s different
Love the money talk
She said don’t let money make you but I’m breaking up with you because you don’t have a enough money lmaoooo
We could go to a broccoli farm! 😂😂😂
We should consider designing a Sofia set with an iconic representation of your memorable phrases incorporated into the background. It would certainly enhance the podcast's overall appeal. ❤️
good episode
@59:38 😂Sofia you crack me up. You looked so pretend offended but not really lol
Why do financial experts do podcasts and just say “invest” but they never give you ideas of investments, or how to even get started in investing your money?
He literally said it. He said buy vanguard 50 fund or swcahb 50 (if you plan to retire in 2050)
@@crisp7575 my point is he doesn’t go into detail. They all just say do this but they don’t explain how to get involved or how investing works.
@Randi Sommers There are tons of in depth channels that can show you intricate paths and strategy. It would take hours to actually breakdown a plan and even then, that advice won't apply to everyone. For most normal people, 401k and Roth Ira in either a target date fund or s&p 500, and invest consistently/don't pull out until you are retired. Most don't have a spare 28k a yr to invest so that's about all you need to do. If you want to save for a kids college fund, a 529 plan can be used to accomplish that
If you are under 50, just dump all your money into the ETF VOO, or mutual fund VFIAX, they track the S and P 500. Or do the total stock market versions of those. Prioritize paying off any credit card debt, fund your work's 401k match, then Roth IRA yearly contribution, then 401k or brokerage account depending on your financial situation. Roth IRA or brokerage will require you to purchase stocks. If you switch jobs make sure to roll your old 401k into a traditional IRA account and put them in s and p or total stock market indexes. Not financial advice, I'm not an advisor.
Read his book.
It’s not just the AUM, there are additional fees for buying and selling, etc.
Her ideas on money in a relationship is trash. Guys, you can do better. Find a true partner with a shared vision.
so what did those dingy appartment guy bank statements say???
Yes wth, I was invested
Freakin loved that show! Binged it all in an evening ❤
Omg I’m 27 and u would think I was here for Sofia but I was here for Ramit and now I AM HERE FOR BOTH!😍😍😍😍 girly u are so funny! I love it!!😍😍😍😍 great convo!
Second guessing is a waste of time. If someone offers, take it as a generous offer and appreciate and accept it as such. The less second guessing we do in relationships and dating the better. I’m in my 60s… lots of life experiences behind me. If your highest value is that someone makes more money than you do you could miss a real gem. My husband (second husband, 20 year relationship) and I didn’t discuss our finances until we decided it was a long-term relationship. It was within a month. Asking someone about their finances before you decide you’re even interested enough to have a long-term relationship is tacky. The incongruency of what she is saying here and what she is a agreeing to is maddening.!🤦♀️ Listen to Ramit! He knows what he’s talking about! And for crying out loud, read his book!
I thought I was the only one who found that tacky, and opted not weigh in because in the end, it's her relationship not mine. That said, I am with you, I'd be immediately turned off if my date asked me early on how much I made. I'd think she was looking at me simply as an ATM. I don't have anything against her desires, it's her relationships, not mine; it just seemed to come from a shallow place until she mentioned her mom's relationship, and it became clear. I think there might be some trauma there she might want to look into. I loved know Ramit handled that playfully, but still communicated how that might not be a good strategy.
I started watching this because Ramit was on it. However, after a short time I couldn’t take it anymore. Sorry Ramit but you have more patience than I do. I wonder who would actually listen to this lady. I felt like I was watching something out of the 40’s or 50’s. Sorry but you are not progressive at all. You have issues with his money is our money and my money is your money. What a way to go. No thanks.
This episode is great. Love it.
The double standard of dating is absolutely hilarious. Guys need to go freaking broke dating. It is so stupid.
Only if you date dummies like this girl
You know, I’m watching this and realizing this young 30 year old girl is super wise. So I’m sure she will seek good counsel so she can really build wealth.
You can show generosity in different ways
Really enjoyed this episode Sofia!
Can't wait to see Sofia on season 2 of Sethi's Netflix show! Love this collab. It shocked me! Never would've guessed she'd have him on haha
Dave Ramey says No Debt ! Includes NO CREDIT CARDS !! Period SO what is this don’t use your debit card ??
I can explain this. Dave Ramsey is tailored for people who lack financial discipline so like people will spend on their credit card even if they can’t afford it and rack up a bunch of debt, so only doing debit gives them a limit of what you can spend because that’s what’s in your account (for simplicity’s sake, i know about overdrafts etc.)
If you have the discipline and are automatically paying off your credit card at the end of the month every month and not carrying a balance. If you’re only using a debit card. You’re leaving money on the table in terms of cash back / rewards points / perks that credit cards provide. So if you’re able to remain disciplined. Use the credit cards and take advantage of those perks.
Have self control
Its called making purchases you can pay off
I follow Ramit interviews for the numbers becauss he is awesome...he should have an interview rule that you have share the numbers.
Homegirl is a human red flag lol
The whole renting vs buying isn’t a fair comparison as presented here. Two examples….
99% of the people who choose to rent are not going to invest the difference between the rental cost and the mortgage cost. They will simply spend it and have zero equity after 20 years, with more toys like cars and boats, that have no appreciable value.
Additionally, this choice is really only available in large cities. If you live in some mid-size city or more rural area, the homes available to rent are not very nice. If you are used to living in a nice home that you could buy, finding a comparable rental is not even an option like it might be in NY. Most rentals have cheaper finishes, less amenities and are in less desirable locations. There is a reason nice neighborhoods restrict rental properties.
That’s why he highlight why you should invest the different . Otherwise it’s null and void.
How did she make her money? from this podcast?
I feel scared for men nowadays if this is what dating is like.
She used a guy to optimize her savings. WHAT DO YOU CALL THAT
"I'm very progressive." :)))))) but then men should always pay; and "his money is ours."
Lmao. This is wild! Huge deviation from typical Ramit content. Love it.
That’s so interesting. She is learning from her mom’s mistake of it effecting relationships when woman makes more
I would love to see Top G on here
The man should either make more than the woman, or at least have the potential to eventually make more (usually you can tell who’s capable).
The man won’t be as respected by her if she always is succeeding more (this isn’t only money either but that’s another topic).
It’s not even if the man is okay with it or not, or even the woman at that.
If she’s much more successful, the relationship eventually loses the masculine/feminine dynamic. Then there’s loss of attraction and all that follows.
Have this conversation and ask his opinion on the concept. If it scares him or he avoids it, he likely doesn’t make a lot of doesn’t display a belief in himself to succeed.
That’s one way to low key figure it out.
You can observe how they think as well. Successful people are typically innovative minded and curious how things work. That’s a good sign that he already is or on the proper path to succeed. It’s one way people correctly choose who to invest in.
Of course there’s exceptions like if the partners build together or whatever other scenarios. Also another topic though 😅
When she said Manhattan around minute 50:30, made me think, she sounds like she's from UT. Then she confirmed.
Wow, sounds like she’s marrying his wallet, WTF. So you’re level of respect for someone is dependent on their income? That’s pretty messed up
waited 45 min to get to numbers and to not hear them, disappointing
Not wrong, but when people rent, the majority DO NOT invest, they spend that extra money. Say a $1 million home here in DC may rent for $4,300, but if financed would run around $6k or so with current rates. Of course, property taxes are low in my city. That additional $1700 a month at 9% over 30 years is $3.2 million more. Now, could you lock in a rental home for 30 years? Nah. Again, the problem isn't potential, it's reality.
That's a them problem. If your consistent and disciplined, you'll end up benefiting. Personal finance is personal. Most people don't know how to use credit cards, but I do so I take advantage of it. I also know if there is a pack of oreos in the fridge I physically cannot eat just one, so I don't buy oreos often 🤣
add on 50% for repairs/maintenance/etc.
Why are they flirting
My wife offered to pay on a few of our early dates, even though I for sure made more money than her. I really appreciated it. Her advice is going to keep a lot of girls single, a lot of girls.
Ok my gosh…. I love that: Google inflation, I’m not going to sit here and ask you to explain it
You can be successful and still dig more gold
Omg feel so bad for u with this guy because u usually sound so smart but with this dude omg 😳
Oh my gosh…. BEST ADVICE EVER….hope ladies are listening KNOW YOUR OWN NUMBERS…know your money psychology
Loved this!
Amazing pod
Sofia is clueless about so many things, it should be studied.
Sofia's... interesting. I get her traditional views, but when you're that rigid, you're easy to break. In any case, great convo! It was honest, it was fun, and it was playful! I wish people would disagree like this more often!
Gurl I love you so effing much
Great video, trading come with a lot of benefits And I have just bought my first house through it. As a beginner I was scared of loosing my savings but I’m glad I took the bold step that is now favoring me.
@EmmaMorgan44 Okay but is not luck, is all about having good investment plans most of all trading with a trust worthy expert.
Watching professional trading videos and most especially connecting with the right person the digital world is full of in unreal people I met some of them during my success journey. I felt same way when I started especially when you use demo account you might be winning but when you put in real money you start losing I understand and I pass through it all. I’m very happy I’m profitable now.
@DoctorJamesMorganFrank Currently i can attest to the fact that I
make $15k weekly through trading
which is more better then my monthly salary job. Trading becomes my passive
income.
@DoctorJamesMorganFrank At first i was afraid too before I gave it a try and realized fear kills dream more than failure.
@DoctorJamesMorganFrank I know someone who can help you jennifer maxwell.
@DoctorJamesMorganFrank She is a crypto prodigy and has handled
my trade for 6 months now.
31:18 you dont sound outdated, you sound conservative, which is fine! There are many conservative people, men and women.
I hear Ramit mention many, many times “target date fund.” But what if you’re 75 and retired 5 years ago? Just stick with a Vanguard-type Index fund like VTSAX?
I would say yes
How did she make the money? Do Podcasters make a lot?
Looking at this from a different country and probably with a different upbringing, this all sounds very alien and greedy to me...
If a woman only sees me as an ATM I am not interested in her. If she plainly asks what do you make on the first date, I would not feel comfortable.
Can we please have troy osteberg on the pod?
The conversation regarding relationships was so cringe. Like she says she's progressive while saying she would never date a guy who makes less money than her. Following that up with he pays for everything and she has fun money.
I like that ramit is like it depends and is willing to say he's struggled with the concept of money rolls. But like as she goes through it she would never date a guy who allowed her to pay for anything because it means he's cheap and not a provider? Like in her situation of having wealth she needs someone who understands the life style she's aiming for. Someone who isn't trying to take advantage of her and her money and someone who can accept her high earning without feeling immaculate by it. But that's not what she says she says he needs to make more money than her (she's gonna be a multi millionaire one day the pickings will get slimmer with that criteria).
She says she's not a gold digger but the whole conversation she basically throws out any options outside of he has to be her sugar daddy and be richer than her. Kinda gross to think a strong, independent woman is being so shallow in her concept of men. Like she needs to find out their bank statements and wealth on the first date too?! So many red flags. Wouldn't you get an idea of him being in the right bracket by asking what he does for a living? Find out if his goals include financial freedom and who his favorite podcast is? Does he listen to a financial podcast if so who? 1 those lead to interesting conversations. 2 those get you in the pair off are their financial goals in the same line as mine?
What's your rich life? What kind of a trip do you think I'd enjoy? Finding out their desires and how big their dream view gets can also bring out an idea of their experience. As well as what kind of person they think you are and what they can show you.
Also your mom had multiple failed marriages but maybe that's less about the guy making less money and more with how the guy felt about her making more money. Obviously if you want to be a little princess he has to feel secure in his ability to do that for you and be okay with it but with you analyzing his net worth on date one and only seeing dollar amounts how could he feel anything but bothered by you making more money?
You didn't mention his energy matching yours or similar upbringing or education or history or his ability to make you smile or laugh or, with generosity skills, work ethic, or sense of adventure.
You said let me see if you can afford my time. And just kept pushing this old traditional thought process that feels so outdated and unfair because it is 100% based on gender rolls. Didn't see anything that showed this "progressive" or "current" mind set. From this conversation alone I feel like the guys you were dating probably left because you give this gold digger vibe and clearly you created your wealth for you so you don't need his money. I'd definitely recommend reviewing this "men are there to be used as a bank" energy if you want a relationship to work.
Oh….. ok….so he isn’t against paying for counsel just not a percentage.
Paying someone to invest your money is safe and yet stars to bankrupt, they didn't even do that.