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"Our $200k in crypto is gone. Now we live with his mom."

Ramit Sethi of I Will Teach You To Be Rich talks to Angela (31) and David (34) who thought they’d built a future on $200,000 in crypto. Instead, they lost it all — and now they’re living in David’s childhood home with his mom. Angela dreams of traveling to Colombia to be with family, while David quietly panics about their finances. She sees every course and trip as a step toward freedom, but he sees their savings shrinking with no plan in sight. With only $4,000 in the bank and a 5-year-old to support, can they stop improvising and finally create a stable financial life of their own?

In this episode we uncover:
* How David blew through $200,000 in crypto
* Living rent-free with David’s mom
* The “get rich quick” approach to debt: bankruptcy talk, unrealistic timelines, and skipped planning
* Why improvising instead of planning is their default financial strategy
* A $3,000 retreat vs. moving out: how conflicting priorities reveal deeper issues
* The moment they see the truth in their spending
* How David’s mom ended up in credit card debt from supporting them
* Angela’s scarcity and rescue narratives from childhood
* Why David avoids stress and Angela absorbs it
* The cost of being “Dreamers” (big visions with no real plan)
* Signs their daughter is already noticing financial stress

⏩ CHAPTERS
(00:00:00) “We have no space to breathe”
(00:25:05) Ramit breaks down their numbers
(00:35:12) “Our vision isn’t aligned to our actions”
(00:52:42) “Like mother, like daughter”
(01:03:09) “Do you want major changes or minor changes?”
(01:15:26) “We’ve never created a plan”
(01:36:53) Where are they now? Angela and David’s follow-ups

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Old Money Rules Are Keeping You Broke. Here's What Works Now

So many of you think you’re bad with money, but you might just be following outdated financial advice that no longer works. In this video, I’ll show you how the system is rigged, why budgeting apps aren’t the answer, and the exact system that will finally give you control and confidence with your money.

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📆LIVE SESSION – Spending On Self Improvement: How to Use Your Money to Uplevel Yourself
* October 23 at 8pm ET | Register: https://iwt.com/live-session-yt
* This event is free for Money Coaching members, join here: https://iwt.com/moneycoaching-yt

📍 START HERE
* Money Coaching with Ramit: https://iwt.com/moneycoaching-yt
* Conscious Spending Template: https://iwt.com/csp-youtube

Ramit Sethi is the host of Netflix’s “How To Get Rich” and New York Times bestselling author of “I Will Teach You To Be Rich” and “Money For Couples”

Find Ramit on Instagram: https://www.instagram.com/ramit/
Subscribe so you don’t miss any of Ramit’s videos: https://youtube.com/user/ramitsethi/featured/

⏩ CHAPTERS
00:00 Introduction
00:48 The Rules Are Broken
01:28 An Abundance of Bad Money Advice
04:32 The System Is Rigged
11:29 Money Isn’t Just Math—It’s Emotional
13:20 Playing Defense vs. Offense
15:40 The System That Works
18:05 Your Rich Life