[00:02:14] Ramit: Cool, so you both went to Paris and Lisbon. How long were you there for the trip to cost about $2,000?

[00:02:26] Annie: It lasted about 10 or 11 days.

[00:02:29] Ramit: Is it usual for you to start with a budget and then spend more than you planned?

[00:02:35] Annie: Honestly, we don’t really set a budget most of the time. We don’t save specifically for vacations, which is part of the issue. We just go with the flow. We’re generally pretty thrifty. I tend to book hotels at the last minute to get discounts, and we travel by train. We don’t spend a lot on hotels.

[00:03:04] Emery: I thought the budget was reasonable, although staying within it could be challenging. I figured why not try it? It seemed like an interesting challenge. Once we got there, our dedication to sticking to it kind of waned. Our trip was actually centered around a Taylor Swift concert in Lisbon, so strictly speaking, it wasn’t planned into our budget. But once we had those tickets, going to Europe seemed like a must. Annie mentioned the meals—we’d have incredible fresh seafood spreads for $60 in Lisbon, which was fantastic. But then, I’d order a 5-dollar beer, and that’s what would be pointed out later.

[00:03:53] For me, a big part of why we’re discussing this is that there’s an inconsistency with when financial tension seems to surface between us. Sometimes it just comes out of nowhere, and I’m left wondering if buying that beer or that bottle of tequila for a party is going to cause issues. It’s unpredictable.

[00:04:18] Ramit: Okay, so what’s the issue here?

[00:04:22] Annie: Well, now we’ve gone over our budget.