WEBVTT

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Mom, I want to ask you.

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You know your son very well.

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So how was he with money?

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Terrible.

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Terrible.

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Every single one.

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They're my babies man, like really.

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You've got a baby on the way Rashaun

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Hi, guys.

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We're having a baby.

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But also trying to move in together

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as well.

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So we're going to need some support

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with our finances.

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So can you please help.

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Please.

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The average child costs around

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£150,000 to raise

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to 18 and

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I've got four.

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You've got four, Oh my gosh. Sorry.
Sorry.

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Hello

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Oh, Hiya.

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You alrite yeah.

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The all important question.

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Why do you have money on your mind?

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Well, we have a baby on

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the way.

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Due in four months.

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Oh, my gosh.

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Very soon.

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We're currently looking to buy our

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first house as well.

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So we've been saving as well so we

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need some help from you guys.

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Let's start with, no not you.

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Dr. Nikki.

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Hey, Hiya.

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So we're going to look at your money

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mindsets, come through.

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So now we're going to play to see.

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How well you know each

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other.

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Oh gosh we're gonna be put to the
test.

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Who is the biggest spender?

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Pretty unanimous.

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Okay.

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Who earns the most?

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Okay.

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You both say you spend the most

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and you both say you earn the most.

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So what's going on

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there?

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At times it can be difficult.

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He does spend money.

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I am like, we have a

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baby on the way. We need to get back

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on track. But yeah, we do have a

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little bickers here and there, just

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about spending how

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much the items cost,

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how much the shoes cost.

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Do you really need it?

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We're actually ultra impulsive and

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I'll be like, yeah, I've bought a

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game today.

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So do you think there's an element

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of FOMO in all of this?

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So fear of missing out.

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Fear of missing out on the game?

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I most definitely think so, because

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obviously it's the thing of, my

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friends will probably have the game

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and, aw you getting the game like.

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Yeah.

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Ok, yeah.

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Would you say you're a bit more

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controlling person?

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I would say that I more I

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don't know.

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I don't know.

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No, ok no.

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When I know that things are kind of

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going sideways, I like to bring it

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back.

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This is where it's going to be,

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isn't it? This is where you have to

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make sure that you're open and

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honest about all of this.

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Unplanned spending can be

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emotionally driven over

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the next couple of weeks.

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Start to identify your unplanned

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spending and look at the emotions

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behind that. It's really helpful

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to know if boredom or excitement

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or just guilt or frustration

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is causing you to spend.

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Once you identify that, you can

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change it.

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How you feeling, how you feeling?

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There's so many priorities right

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now. It's an overload.

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We're trying to just, you know,

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balance everything, all the

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thoughts/ getting things done.

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No that's great. That's great.

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So I'm gonna give you some of my, my

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top tips. You know, I've got a

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couple of kids.

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Well four to be precise.

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I tell myself a couple to feel

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better, but, yeah, that's when I

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remember the other two. Listen, I

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count everything in.

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Nappies and wipes, so my friends

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will be like, Let's go on holiday.

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I'll be like, that's like a hundred

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wipes and like 500

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nappies. I'ma stay at home, d'you

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know what I mean, they cost a lot.

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So it's really important to have an

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account for that, but also to start

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saving for your child's future.

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So you can open a junior ISA once

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you get the birth certificate, and

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then they can take over it when

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they're 16.

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But they can't start spending or

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using that money till they're 18.

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Having a baby is one of the most

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amazing moments of your life,

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so try to use the time before

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Baby is born to build up a savings

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pot for future costs

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such as nappies, wipes,

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formula, etc..

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Another thing that I did was speak

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to friends and family who recently

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had kids and ask for any up to

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date advice.

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Mum and Dad are great but, it's been

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a while.

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So my second tip is don't buy

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loads of stuff.

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Listen, the temptation is there.

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When I had my first kid, we just

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walking around, yeah, we'll have one

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of those we'll have two of those,

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four of those.

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Half of the stuff we did not use.

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I remember I bought this big rocking

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chair for the baby to go.

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One. Baby hated it.

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So don't feel like you have to buy

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everything before the baby gets

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here, and that way you make sure you

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actually buy things that you're

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going to actually use and actually

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need.

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I think tha'ts so helpful because at

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the moment, at

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the moment, that is what we're doing

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yeah.

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Making wishlists and, don't forget to
get

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this, and don't forget that. Yeah.

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And then some of the thing I'm just
like hmm.

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That leads me to my third thing,

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family and friends are there, use

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them. Don't feel like you have to do

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everything on your own.

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Let people know what you're looking

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for and then they'll be more than

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happy to help.

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Yeah, I'm looking forward to the

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baby shower.

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My last point. Prepare for the

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unexpected. With a baby, anything

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could happen, like there's not one

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size fits all. You've got all lists,

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got all the plans in place, and

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we're all ready to go.

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But as the famous boxer once said,

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"everyone has a plan until they get

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punched in the face".

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And trust me, having a baby

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can feel like you're getting punched
in the face regularly.

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All right. So, we need to make sure

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you're working together. you're
working

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as a team, you're not fighting one

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another, you're supporting each

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other. And I promise you, everything

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will be all right.

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We've got this.

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I think it's time to get some home

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truths, and I feel like we've got

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the best person to help me with

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that. So bring on Mum.

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Hi.

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Mum. You know your son very well.

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So how is he with money?

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Terrible.

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Terrible.

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That's the word I'm looking for,

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Terrible.

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Packages keep on coming.

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Do they keep...

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Even today.

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Today.

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Today.

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Look what came in the post.

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Oh no.

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One.

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I thought, no, that can't be for

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Rashaun.

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Then half an hour later, two,

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that's for Rashaun.

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There's a lot of shoeboxes here.

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Yeah. This used to be ten times

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worse, so this is a condensed

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version.

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Wow, this is condensed.

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This is condensed.

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This is condensed, then my wardrobe

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is sparse. Okay, and then we turn

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around and we've got the games.

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Look at all these games you've got.

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Yeah,.

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Well, obviously, when a baby comes,

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gonna have to have a baby room.

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Yeah.

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So what do you think, selling some

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of this to fund that baby room?

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I do kind of use all of my shoes I

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get.

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Are you sure you use every single

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one?

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These are my babies man.

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Like, really?

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You go baby on the way Rashaun,.

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True.

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You've got to pick a baby.

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That's true.

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You've got to pick a baby, you do.

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That is true.

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They're expecting.

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How you feeling about that?

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I'm happy.

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Happy?

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Yes, but are they ready?

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I don't think so.

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Caroline, how are you feeling?

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Yeah, I do agree with Mama,

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that it can sometimes be hard,

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sometimes with Rashaun

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and his packages.

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He has a passion for gaming, and it

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does sometimes overspill

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into kind of,

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you know, just things that we're

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sure and should prioritise in paying

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for. And I think sometimes his

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view is that he wants to get this

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all out the way before the baby

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comes.

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We have had a great conversation and

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I've learnt a lot from you guys and

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from Mum, so thank you guys for

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giving me everything.

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And based on that I've got a few

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tips that I think will help you

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guys. So the first one I will say is

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Rashaun, I don't think anyone

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should ever give up what they love

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and you love gaming and I think

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you should keep going with that.

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But the important thing is it's not

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just buy when a new games out

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is actually to plan for that.

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Now my favourite way I talk about it

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all the time is to have a fun fund,

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for the things that make you happy.

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And the second one is, I want you

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guys to really plan

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in date nights, right?

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Because when the baby comes is going

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to be pretty much just about the

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baby. You start putting money in

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throughout the month and that you

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know, you're going to dip into that

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pot and that pot is dedicated for

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your date nights. And lastly is

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about joint accounts, right?

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Joint accounts are super duper

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important because that way you

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can put all your money in there and

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see what you're spending on.

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It gives you more visibility on your

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outgoings. So I think that will help

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you guys to really ace it and be

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the amazing parents I know you guys

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are going to be.

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I'm super excited.

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If you want to give your child

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my middle name, I give you full

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permission and I'm super excited

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to see you guys become the amazing

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parents your going to be.

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As first time parents, it's equally

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important to remember to work on

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your relationship schedule in

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monthly dates and create a fun fund

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to fund those dates.

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Whether that's going out, having a

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picnic whatever you choose to do,

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you got to put of money there to

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fund that.

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Guys, we got a message from Caroline

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and Rashaun.

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Awe, yeah.

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So let's hear what they've got to
say.

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Hi, guys.

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Hello.

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Thank you so much for your

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support. We really appreciate it.

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I've seen some growth in us.

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Yeah, I feel like the first step was

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freezing the shoes.

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And we really have looked into

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looking at baby's accounts

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and savings, you

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know, we're putting in an application

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and hopefully that will help us with

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saving.

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I feel like we've kind of slowed

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down on the baby stuff as well we've

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got whatever we needed that's

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necessary, and now we're just making

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time to save.

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Yeah, and we've taken on board about

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the dates and putting together a

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budget there for the dates

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and yeah, that's been really

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helpful.

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Yeah. We just want to say thank you

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once again for helping us out.

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And guys, I really appreciate it.

348
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Thank you so much.

349
00:09:09.370 --> 00:09:09.939
Thank you.

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And we'll make sure to send you baby

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pictures.

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Come on.

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That is amazing.

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It's so great to see that we've

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helped them out and they can move

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into the next chapter of their lives

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together.

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Yeah, they're going to be an amazing

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team for their little one.

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And that's what I love about what we

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do is just, having that little bit,

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like they set up an account up for

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their kids and I've played a little

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part in saving the legacy for the

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future, like.

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Uncle Eman, Uncle Eman.

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C'mon.

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Guys we've done it again.

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We've done it again

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Come on, high fives all round.

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High five.

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Let's go.

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Woo

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Woo

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Ready for the next one?