Uploaded May 2026 | Updated September 2026, 2 weeks ago
Sebastien and Hope are in their 40s, have been married for 16 years, and have a nine-year-old son. They earn around $195,000 a year, have $674,000 in assets, $129,000 invested, just $11,000 in savings, and $437,000 in debt. On paper, they are not broke, but emotionally, Sebastien still feels like they are constantly scrambling, while Hope believes their personal finances are in the best place they have ever been. Both recently became business owners, with Hope running an architecture firm and Sebastien running a wine importing business, but the risk of entrepreneurship, debt, low emergency savings, and under-investing for retirement has left them stuck between optimism, fear, and avoidance.
🎧 New episode out today: “We’re in our 40s with nothing saved. Will we be ok?”
▶️ Watch the full episode here: youtube.com/user/ramitsethi
Sebastien and Hope are in their 40s, have been married for 16 years, and have a nine-year-old son. They earn around $195,000 a year, have $674,000 in assets, $129,000 invested, just $11,000 in savings, and $437,000 in debt. On paper, they are not broke, but emotionally, Sebastien still feels like they are constantly scrambling, while Hope believes their personal finances are in the best place they have ever been. Both recently became business owners, with Hope running an architecture firm and Sebastien running a wine importing business, but the risk of entrepreneurship, debt, low emergency savings, and under-investing for retirement has left them stuck between optimism, fear, and avoidance.
🎧 New episode out today: “We’re in our 40s with nothing saved. Will we be ok?”
▶️ Watch the full episode here: youtube.com/user/ramitsethi
