By some standards, Angela and Brian are fulfilling the American Dream. 

The 52-year-olds were high school sweethearts, have been married for 28 years, raised four children and will soon be empty nesters. They have a net worth of $1.57 million, including nearly $900,000 invested.

But Angela isn’t satisfied with their life. 

“I just worry that life is passing us by, and we can be doing and spending more on life,” she wrote in her application to appear on author and self-made millionaire Ramit Sethi’s “Money for Couples” podcast. The couple joined Sethi for a recent episode, seeking advice to work through differences in their feelings around money. Their last names were not used.

“We never eat out. Vacations are once a year. He always thinks we are poor. I need someone to tell him that we are OK money-wise,” Angela wrote.

Brian disagrees. “I think she feels that we’re at a comfortable place financially right now for our plan going forward,” he said on the podcast. “I don’t see that. I think we just need more. I wish I would’ve started [investing] much earlier.”

Here’s Sethi’s advice for them.

Brian and Angela earn $188,000 a year and have $294,000 in debt between their mortgage and car payments. Their fixed costs account for 72% of their monthly income.

Sethi generally recommends these costs not exceed 50% to 60% of your income, but Angela and Brian have been paying extra on their mortgage, so they have some wiggle room, he said.

However, Brian and Angela’s most frequent financial disagreements revolve around relatively small money decisions, like groceries and dining out. 

Angela does the shopping and financial management, so she has a good idea of what they can afford, the couple told Sethi. But Brian constantly nitpicks her purchases. Angela wants to go out to dinner or drinks more frequently, but Brian almost always says no.

“We’re living too little of a life, is the problem,” Angela said. Sethi agreed, and said the shrinking “didn’t happen all at once. It happened $2 at a time.” That’s the “hidden cost of decades of frugality,” he added.

It’s wise to live within your means, no matter your income. But Brian’s frugality, including his resistance to spend on things that will make his wife happier, seems to come at the expense of their relationship, Sethi said.

“First, you [budget] for a reason. Then, you do it out of habit. And sometimes, you start to believe you don’t deserve anything else,” Sethi said. “It goes beyond saving money on coffee. And sometimes in situations like this, you start to realize how narrow your life has become.”

While Angela would like to retire in the next five years, she fears Brian will feel like he needs to work “till he is 80,” she said.

Sethi walked the couple through retirement projections to show how their investments could change if they decide to put away more each month or retire later. But he warned that the financial logistics won’t matter so much if they can’t get on the same page about how they want to spend their time and money.

“The two of you have so many different options,” Sethi said. “But I don’t think any of it happens if you’re not actually connected, starting right now.”

In addition to showing them that they can afford the date nights and some of the immediate travel Angela would like to do, Sethi encouraged Brian to initiate planning nights out so he can get as excited about a date as Angela. And when Angela asks him to try a new restaurant or activity, “sometimes we just have to say yes and our feelings change later,” Sethi said.

Brian agreed he needs to “not give in, but compromise,” he said. “I think I need to be a better husband and compromise and rebuild the foundation of this relationship.”

Even if it’s small things like going out for coffee, planned activities together will help the couple start “getting those adventurous feelings back,” Sethi said.

They’re currently on track to have nearly $1.5 million in investments if they retire in five years and could see that value surpass $2 million if they wait 10 years. But either way, they are able to afford reasonable outings and activities, he told them.

“Whether it’s joining a group together or trying some new stuff, that brings you way closer,” Sethi said.

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After 23 years of marriage and raising kids together, I’ve learned that being a great partner involves structure and intention.

I’ve walked the path myself, from being a breadwinning husband who did little at home to becoming the go-to household manager in a marriage with three kids and a powerhouse executive spouse. Through my platform, Modern Husbands, I also help couples build the systems they need to manage money and domestic responsibilities as a team.

Couples in the most successful relationships, including my wife and I, do six things for each other without question. If you do them all, you’ll be happier than most.

Men today face mixed signals: Be the breadwinner, but also do half the housework (and don’t expect any recognition). That confusion leads to imbalance at home.

In our household, we assign responsibilities based on skills, passions, and goals — not gender. I manage our finances because it’s my professional background. I also cook because I love it.

What matters is creating a system that reflects your family’s goals, not outdated roles.

Throughout our marriage, we have taken turns assuming the roles of “gardener” and “rose.”

The gardener nourishes the environment at home so the rose can blossom in their career. The gardener is the domestic safety net who handles unplanned problems. That might look like being the “parent on call” for doctor appointments and emergencies.

Deliberately and thoughtfully sharing supportive roles in each other’s career dreams can prevent the silent resentment that arises when one partner repeatedly makes small, unplanned sacrifices for the sake of the other’s career and the household.

Just like a weekly business meeting, having regular check-ins with your partner can change everything.

Find a quiet time, when emotions are low and focus is high. Walk together, grab coffee, or sit down for 15 minutes to align on schedules, financial goals, and responsibilities.

If you want to take it further, plan annual retreats to reflect, set goals, and recommit to working as a team. 

Success in a relationship shouldn’t rely on constant effort. Set up systems that make good decisions the default. 

A few examples: Set joint savings goals, then automate transfers to a high-yield account at a different bank; delete spending apps from your phone; and turn off auto-fill on social media to reduce impulse buys.

I often recommend utilizing household management systems like Fair Play to assign clear roles, promote an equitable and efficient distribution of the mental load, and prevent miscommunication. The Fair Play system consists of three key elements:

1. Conception: Generating the idea or identifying the need for a task in the household or family system.
2. Planning: Mapping out the steps, resources, and timeline needed to complete the task effectively.
3. Execution: Carrying out the task from start to finish with full ownership and follow-through.

We have financial and domestic labor systems for our home to give ourselves more time to spend with each other, to talk about everyday life. When we talk about our day, we put our phones away and we stick to the rule of not speaking about the business of our home. 

The approach we like to use on our evening walks after dinner is the rose, thorn, and bud prompt. We each share the highlight of our day (rose), any issues or frustrations (thorn), and the time we spent investing in our future (bud).

It takes trust to work together to manage money and the home. Take, for instance, a spending limit that is not honored or picking up a prescription from the grocery store. Failing to follow through can have real consequences.

Continually breaking the promise that comes with a family budget or doing chores can lead to resentment and even contempt.

The most important thing to remember is that great relationships aren’t built on luck. They’re built on shared goals and a willingness to evolve together. 

Brian Page is the founder of Modern Husbands, a company dedicated to helping couples manage both financial and home responsibilities as a team. He holds a master’s degree in education and is certified as both an Accredited Financial Counselor® and a Fair Play Certified® domestic labor specialist.

Want to stand out, grow your network, and get more job opportunities? Sign up for Smarter by CNBC Make It’s new online course, How to Build a Standout Personal Brand: Online, In Person, and At Work. Learn from three expert instructors how to showcase your skills, build a stellar reputation, and create a digital presence that AI can’t replicate.

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If you ask Donna Morris, there’s one behavior that’s the ultimate red flag an employee won’t get far in the workplace: when someone is a “Debbie Downer.”

Morris, 57, has been executive vice president and chief people officer at Walmart since 2020, helping shape the employee experience of 2.1 million workers since the onset of the Covid-19 pandemic. Prior to her current role, she spent 17 years at Adobe in a variety of leadership positions — and throughout her career, she’s learned a thing or two about red flags in the office.

“Nobody wants [to hire] a Debbie Downer,” Morris tells CNBC Make It, adding that this kind of person is “constantly negative. You know they’re going to show up [and] they’re going to bring the problem, never the solution. I like people who bring the problem and a suggestion for how they might resolve [it.]”

A “Debbie Downer” can also be someone who’s a naysayer, sharing negative opinions about others’ ideas and goals, or regularly being a hindrance to new projects and perspectives. This could make it difficult for them to make the connections needed to climb the corporate ladder, or for their bosses and managers to trust them with new projects.

If your co-worker has this character trait, they’re “only going to support you to a restricted limit,” Juliette Han, a Harvard-trained neuroscientist, told CNBC Make It in June 2023. “They need you to stay within a short leash, and might discourage you from meeting new people in the company or going after new projects if it doesn’t benefit them directly.”

That doesn’t mean you should practice toxic optimism, pretending everything is fine when your team is facing difficult circumstances, for example. It’s unnatural and unrealistic for someone to be happy all the time, Morris says. Similarly, a continuous negative spiral could be a signal that you’re in the wrong job or company, she adds. 

There are a couple attributes that separate the most highly successful employees to those who fall short, says Morris.

She thinks highly of workers who “deliver what you are expecting at the time that you’re expecting,” she says. “You’re better to deliver early than to deliver late, and you’re better to deliver more than less.”

“Another green flag is they’re open to opportunities, and they put their hand up to take on more,” she adds. “Or they bring a problem with the remedy or request help in a timely manner, as opposed to the house is on fire.”

You can show you have this kind of team player, self-starter attitude by offering help even when you’re not asked for it, like volunteering to mentor the new intern or pitching an idea that solves a problem your boss has been dealing with.

Demonstrating radical intellectual curiosity, like researching a new AI tool or a new software your competitors are using, then sharing your findings with your boss or manager, also goes a long way, according to Michael Ramlett, CEO of global data intelligence firm Morning Consult. 

And if you’re willing to help your colleagues along the way, acting as a mentor and sharing the things you’ve learned, that’s the icing on the cake, Morris says.

“People who you see are actually helping others [are a] total green flag.”

Want to stand out, grow your network, and get more job opportunities? Sign up for Smarter by CNBC Make It’s new online course, How to Build a Standout Personal Brand: Online, In Person, and At Work. Learn from three expert instructors how to showcase your skills, build a stellar reputation, and create a digital presence that AI can’t replicate. Sign up today with coupon code EARLYBIRD for an introductory discount of 30% off the regular course price of $67 (plus tax). Offer valid July 22, 2025, through September 2, 2025.

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Every parent knows what it’s like to face tantrums, meltdowns, and emotional outbursts. They can make everyday life feel impossible.

But after years of studying over 200 parent-child relationships (and from practicing healthy habits with my own child), I’ve found that parents who are really good at handling tantrums use language that soothes, validates, and guides. They try to avoid punishments or timeouts, and they understand that a tantrum is a sign of the nervous system in distress.

Here are seven calming yet powerful phrases that emotionally attuned parents use to connect, make their kid feel safe, and ultimately help prevent meltdowns.

Instead of: “Stop crying right now!”

This phrase does what no consequence can: It grounds a kid in the moment and lets them borrow your calm. It tells their nervous system they don’t have to handle their feelings alone, and that you’re not afraid of their emotions.

When children feel supported through big emotions, they move through them faster and learn they don’t need to escalate to get your attention.

Instead of: “You’re being dramatic. It’s not that bad.”

Kids are often met with responses like, “You’re fine” or “That’s not a big deal!” But parents who say “I believe you” give their child something far more powerful: validation.

Validation strengthens the child’s inner compass and reinforces trust. Children who feel believed calm down quicker because they don’t have to fight to be understood. That sense of trust helps them regulate faster.

Instead of: “There’s no reason to be upset about this.”

Even if the situation doesn’t seem like a big deal to us, children need to know their reactions are understandable. This phrase helps them organize and process what they’re feeling, rather than shoving it down or acting it out.

When children know their feelings are normal, they stop fighting against them and can move through them more naturally.

Instead of: “You’re so frustrating!”

Parents often think they need to show anger to prove a point. But in reality, reassurance deactivates a child’s fight-or-flight response far more effectively than punishment.

DON’T MISS: How to Build a Standout Personal Brand: Online, In Person, and At Work

When kids don’t feel threatened by your anger, they can focus on calming down instead of defending themselves.

Instead of: “What’s wrong with you? Stop hitting or else!”

This phrase models boundaries with compassion. It sends the message that all emotions are allowed and valid, but certain actions are not.

During tantrums, your goal should be to set limits without shaming. Children who aren’t shamed for their feelings learn to express them in healthier ways, reducing the intensity and frequency of outbursts.

Instead of: “Calm down right now!”

Many tantrums are fueled by panic (e.g., panic that love or safety might be withdrawn). This simple phrase reduces anxiety and creates the conditions a child needs to regulate.

When children aren’t rushed through their emotions, they naturally return to calm faster than when they’re pressured to “get over it.”

Instead of: “You need to figure this out yourself.”

Ultimately, what every child wants to know is this: “Are you still with me, even now?” This phrase reminds them they’re not alone, and that their worth isn’t tied to perfect behavior.

Kids who feel supported through difficult moments build confidence in their ability to handle challenges, making future meltdowns less likely.

What makes these phrases so powerful is the mindset shift they represent. Instead of seeing your child’s big emotions as something to stop, you’re seeing them as something to witness. Instead of trying to control their feelings, you’re helping them feel safe enough to process them.

Of course, these phrases won’t stop every meltdown in its tracks. But they plant seeds that grow into something beautiful: a child who trusts their own feelings, knows that they’re worthy of support, and believes that love doesn’t disappear when life gets hard.

Reem Raouda is a leading voice in conscious parenting and the creator of two transformative journals — FOUNDATIONS, the step-by-step healing guide that transforms overwhelmed parents into emotionally safe ones, and BOUND, the connection journal that builds lifelong trust and strengthens the parent-child bond in just minutes a day. She is widely recognized for her expertise in children’s emotional safety and for redefining what it means to raise emotionally healthy kids. Follow her on Instagram.

Want to stand out, grow your network, and get more job opportunities? Sign up for Smarter by CNBC Make It’s new online course, How to Build a Standout Personal Brand: Online, In Person, and At Work. Learn from three expert instructors how to showcase your skills, build a stellar reputation, and create a digital presence that AI can’t replicate.

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Nvidia CEO Jensen Huang has some advice, and he says that nearly everyone would benefit by following it: Get an AI tutor.

“I have a personal [artificial intelligence] tutor with me all of the time. And I think that feeling should be universal,” Huang told journalist Cleo Abram’s YouTube interview show “Huge Conversations,” in an episode that aired last month.

That’s a virtual tutor powered by AI, not a human who can teach you how to use AI more effectively. “If there’s one thing I would encourage everybody to do, [it’s] to go get yourself an AI tutor right away,” said Huang, whose company makes computer chips that have helped power recent AI tech advances.

Huang’s preferred tutor is Perplexity’s AI-powered search engine, which he called a “really helpful” tool in an interview with the Bipartisan Policy Center last year. He uses it daily to learn about a multitude of subjects, including digital biology, he added. The search engine, like many other generative AI tools, offers users both free and paid subscription options.

Other AI platforms are designed to act more specifically as tutors, like free tutoring service Sizzle and Khan Academy’s Khanmigo AI tutor, which costs $4 per month.

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″[AI programs can] teach you things — anything you like — help you program, help you write, help you analyze, help you think, help you reason,” Huang told Abram. “All of those things [are] going to really make you feel empowered and I think that’s going to be our future.”

AI tools come with caveats. They still frequently make factual errors, and experts say you should only use them to help your work — not to do your work for you. Huang uses his favorite AI tools to write the first drafts of his own work, he said at a Wired event last year.

He’s hopeful, however, that within the next 10 years, the technology will help most people learn more easily and quickly in nearly every kind of daily setting, he told Abram.

“I think that [in] the next decade, intelligence — not for everything, but for some things — would basically become superhuman,” said Huang, adding: “We’re going to become superhumans — not because we have super[powers]. We’re going to become superhumans because we have super AIs.”

Huang does have a vested interest in preaching AI’s value, and the technology’s growing popularity could be a double-edged sword. Roughly 75% of Americans worry that the tech will eventually result in fewer jobs for humans, according to an August 2024 Gallup survey. AI could automate roughly half of all human “work activities” by 2030 at the earliest, according to a 2023 study from consulting group McKinsey.

AI will indeed help employees do their jobs more efficiently, but it’ll be a temporary boon, current Microsoft AI CEO Mustafa Suleyman wrote in his 2023 book “The Coming Wave: Technology, Power, and the Twenty-first Century’s Greatest Dilemma.”

“They will make us smarter and more efficient for a time, and will unlock enormous amounts of economic growth, but they are fundamentally labor replacing,” he wrote, adding that AI’s spread “will be hugely destabilizing for hundreds of millions who will, at the very least, need to re-skill and transition to new types of work.”

Perhaps predictably, Huang disagrees. As Nvidia’s CEO, he’s surrounded by thousands of smart employees, “and yet it never one day caused me to think, all of a sudden, ‘I’m no longer necessary,’” he said. It “actually empowers me and gives me the confidence to go tackle more and more ambitious things.”

The same logic applies to AI, he said: “Suppose now everybody is surrounded by these super AIs that are very good at specific things … What would that make you feel? Well, it’s going to empower you. It’s going to make you feel confident.”

Want to up your AI skills and be more productive? Take CNBC’s new online course How to Use AI to Be More Successful at Work. Expert instructors will teach you how to get started, practical uses, tips for effective prompt-writing, and mistakes to avoid.

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