235. "Can we pay off this debt faster?" (Part 2)

Imani (52) and Michael (65) return for Part 2—and this time, Ramit pushes them to find out how fast they can turn things around. After years of miscommunication, mounting debt, and emotional exhaustion, they’ve finally started tackling their finances together. But when Facet’s retirement scenarios reveal how long their money will really last, they’re forced to confront new tradeoffs: spend less now, retire later, or change their lifestyle entirely. Can Michael step up and lead? Can Imani release control and start dreaming again? Or will their old habits slow their progress before it even begins? A special thanks to Facet for sponsoring this episode. Right now, Facet is waiving their $250 enrollment fee for new annual members. And if you invest and maintain $5,000 within your first 90 days, they’ll add $300 to your brokerage account. Head to facet.com/ramit to see which membership—Core, Plus, or Complete—is right for you. (Ramit is not a member of Facet, and he has an incentive to e...