[00:06:16] Ramit: Let’s take a look. I’m going back to your Conscious Spending Plan. All right. Savings are at 1%, so you’re basically saving nothing. Your guilt-free spending is negative 28%, which just shows, again, that you are deeply, deeply in the red. Look, you actually listed it out, which is more than most do. Takeout is $500 a month.

[00:06:40] Michelle: Yeah. That includes– I’m not excusing it, I’m telling you what we threw in there was, not just pizza Friday, but anything that showed up as like a coffee, Dunkin Donuts, Starbucks, which is not often, but it’s there.

[00:06:54] Ramit: It’s often enough to be $500 in a month.

[00:06:57] Michelle: Yeah. That’s a lot.

[00:06:58] Ramit: $500 a month on takeout just doesn’t make sense for a couple in your situation. That’s it. Bottom line. Stores, $186. Entertainment, that’s $264. That’s on top of $178 of subscriptions. So you’re losing thousands of dollars every month. What decisions that one or both of you make with your spending do you think has led to you being in this situation?

[00:07:34] Ryan: Probably buying stuff for the kids.

[00:07:36] Ramit: And when he sees you come home with the new bike, or the new beads, or the new craft stuff, what is your kid’s reaction?

[00:07:44] Ryan: He loves it.

[00:07:45] Ramit: He loves you.

[00:07:47] Ryan: Mm-hmm.