222. “My husband is my 4th child. Will he ever help?”

Fernanda (44) and Jorge (48) have been married for nearly 25 years, raising three children, including one with lifelong special needs. Despite earning $130,000 a year, they consistently spend more than they make, and only have $300 in savings. Fernanda juggles multiple jobs and manages every detail of their finances, a responsibility that has left her physically ill from stress. Jorge works nights and picks up odd jobs, but avoids financial planning and defers almost everything to Fernanda. Fernanda dreams of a stable, less exhausting life where she and Jorge are true financial partners. Can Ramit help them confront old patterns, create a sustainable system, and secure a future for their family—especially their son’s lifelong care? In this episode we uncover: Why Fernanda says she’s “physically ill” from the stress of managing their money alone. How Jorge’s laid-back optimism turns into financial avoidance—and leaves Fernanda carrying the full weight. The $13,000 air purifier sca...