Podcasts about I Will Teach You to Be Rich

Ramit Sethi of I Will Teach You To Be Rich talks to J and Ana, a couple in their early 40s with three children who have built nearly $4 million in net worth through decades of hard work, saving, and real estate investing. On paper, they are in an incredible financial position. They have around $4.8 million in assets, more than $1.2 million invested, $136K in savings, and a net worth just under $4 million. But despite all of that, they still don't feel free. J applied because he feels like they've had their foot on the gas since they were teenagers and don't know when they're allowed to cruise. He wants to relax, travel, and enjoy the life they've built. Ana wants that too, but her fear of debt, her desire to protect their kids, and her instinct to keep building make it almost impossible for her to stop. What looks like a conversation about rental properties, credit cards, cars, and spending is really about safety, identity, immigrant family scripts, and learning how to enjoy money after a lifetime of working. In this episode we uncover: • Why J and Ana still feel stressed despite having nearly $4 million in net worth • How decades of hard work and real estate investing shaped their money dynamic • Why J feels ready to slow down, but Ana struggles to believe they have enough • Why selling one house feels like both a financial decision and a family decision • How credit card spending, shoes, cars, and hobbies became recurring conflict points • Why J feels like he has to justify his spending • The parent-child dynamic that shows up in their money conversations • Why Ramit challenges them on changing the CSP numbers • How immigrant family history shaped Ana's relationship with work, money, and worry • The question of whether multiple properties are still part of their Rich Life • How becoming more decisive may be the real work ahead Chapters: (00:01:44) Meet J and Ana (00:03:34) “Our foot is stuck on the gas” (00:04:28) Ana doesn't know when it's time to sell (00:05:21) Why they are never on the same page about money (00:07:11) The credit card statement fights (00:08:44) Ana's dream: take away the card and pay off properties (00:10:14) Shoes, cars, and spending guilt (00:13:04) The parent-child dynamic in their money conversations (00:14:47) Looking at the Conscious Spending Plan together (00:18:08) Income, rental properties, and CSP confusion ( 00:30:32) The family house they can't agree on selling (00:34:12) Why making more money hasn't made them feel better (01:38:30) Ana's challenge: learning to spend on herself (01:42:53) Ramit's final warning: they need to become decisive together This episode is brought to you by: DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkoutNetsuite | Get the free guide “Demystifying AI” at https://netsuite.com/ramit Superhuman Mail | Turn your inbox into momentum. Sign up at https://superhuman.com/ramit. Fabric by Gerber Life | Join the thousands of parents who trust Fabric to protect their family. Apply today in just minutes at https://meetfabric.com/ramit Factor | Head to factormeals.com/ramit50off and use code ramit50off to get 50 percent off and free daily greens per box, with new subscription only, while supplies last until 09/27/2026. (See website for more details). Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Apply to be coached for free on this podcast at https://iwt.com/apply

Ramit Sethi of I Will Teach You To Be Rich talks to Freya and Blake, a couple in their mid-40s with two young children who are facing one of the most urgent financial situations we've seen on the show. Together, they earn around $143K a year, but their fixed costs are at 102%, they have $0 in savings, only $180 invested, and more than $96K in debt. Freya applied because she feared they were close to becoming homeless. On the surface, their problem looks like debt. Underneath, it's avoidance, guilt, lack of partnership, and years of “we'll figure it out later.” Freya carries the emotional labour of the household and money decisions, while Blake admits he avoids the numbers and tries to solve problems by simply making more money. Ramit helps them confront the reality of their situation, stop tinkering around the edges, and build a radical plan that gives their family a chance to get stable. In this episode we uncover: • Why Freya and Blake are spending more than they make every month • How their fixed costs reached 102% of their income • Why having a $143K income still isn't enough when there's no system • The $96K debt number that forces them to face reality • Why Freya feels like she has to manage everything alone • Blake's “ostrich” approach to money and avoidance • How trips, skiing, and everyday spending became symptoms of a bigger issue • Why being intelligent doesn't protect you from bad money decisions • The emotional cost of having $0 in savings with two young children • How childhood, privilege, resentment, and guilt shaped their money habits • Why hustling stops working once fixed costs get too high • Ramit's warning that they are weeks away from not being able to pay rent • Why Blake may need to aggressively increase his income • How they move from blame and panic into a shared plan • Their follow-up reflections on what finally felt doable Chapters: (00:01:20) Meet Freya and Blake (00:03:30) Why Freya applied to speak with Ramit (00:05:23) “Do you want to have a budget conversation?” (00:05:56) The skiing trip that became a money fight (00:08:22) The Mexico trip they couldn't afford (00:13:52) Savings are gone and the safety net has disappeared (00:15:16) Freya carries the planning, groceries, kids, and money stress (00:21:54) Looking at the Conscious Spending Plan together (00:24:01) The real debt and net worth numbers land (00:31:24) Why 102% fixed costs means they are broke (00:32:04) Ramit warns they are weeks away from not paying rent (00:34:54) Childhood money lessons and blame (00:43:57) Borrowing money to avoid eviction (00:48:11) Blake's belief that more income will solve everything (00:57:14) Guilt, family, and saying yes when they should say no (01:03:00) Defining a realistic Rich Life from where they are now (01:08:30) Childcare costs disappearing (01:15:03) Freya asks Blake to help with grocery planning (01:18:00) Why savings comes before debt payoff right now (01:34:00) Why the plan finally feels doable This episode is brought to you by: Grow Therapy | Visit https://growtherapy.com/ramit to find a therapist today. LMNT | Get a free LMNT Sample Pack with any order at https://drinklmnt.com/RAMIT MasterClass | For unlimited access to every class and at least 15% off any annual membership, go to https://masterclass.com/ramit Facet | As of the date of this recording, Facet is waiving the enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to facet.com/ramit to learn more about which membership option is best for you. Offer has been extended to 12/31/2026. #FacetAd Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Have you or your partner realised you're paying a 1% financial advisor hundreds of thousands of dollars in fees over your lifetime? Maybe you feel stuck because they're your “family money guy,” If so, I want to talk. Apply to be on my podcast at https://iwt.com/apply

Ramit Sethi of I Will Teach You To Be Rich talks to Drew and Amanda, a married couple earning around $167,000 a year with a net worth of over $800,000. On paper, they look financially successful but behind the scenes, their fixed costs are dangerously high, their savings are low, and their spending decisions are causing tension in the relationship. Drew admits he struggles with spending, while Amanda finds it difficult to say no, leaving them stuck in a pattern where money feels stressful instead of empowering. In this episode we uncover: • Their household income of around $167,000 a year • Why they still feel financially stretched despite a strong net worth • Their surprisingly low savings compared with their assets • How fixed costs reached around 89% of their gross income • Drew's struggle with spending and impulse decisions • Amanda's difficulty saying no without feeling like the “bad guy” • The hidden relationship dynamic behind their financial stress • Why eating out 6–8 times a week became a major spending leak • The role of bonuses in justifying bigger spending decisions • Amanda's childhood experiences with financial instability • Drew's “you only live once” money mindset • How their daughter is learning from their financial behaviour • Ramit's challenge for them to stop making emotional money decisions • Why vacations may need to pause while they rebuild savings • Their plan to create a family money philosophy and emergency fund ⏩ CHAPTERS (00:03:15) Why Drew applied to the podcast (00:07:00) The hidden decision-making problem (00:10:30) Why they don't feel like a team with money (00:16:15) Their financial numbers revealed (00:21:15) The reality of their household income (00:29:25) Fixed costs are the real problem (00:33:10) The truth about eating out (00:35:50) How bonuses fuel spending (00:39:30) The couple who struggle to say no (00:45:30) Amanda's childhood money story (00:56:30) Their inherited money beliefs (00:58:20) Starting their Rich Life vision (01:04:00) Pausing vacations to rebuild stability (01:10:00) Drew practices saying no (01:16:30) Amanda's role changes (01:20:30) Cutting subscriptions and eating out (01:29:30) Redirecting money toward savings (01:36:00) Creating a family money philosophy (01:44:30) Ramit's final advice THIS EPISODE IS BROUGHT TO YOU BY Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout Wispr Flow | Try Wispr Flow for free at wisprflow.ai/ramit Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Calling LA couples: Apply to be coached for free on this podcast at https://iwt.com/apply

Ramit Sethi of I Will Teach You To Be Rich talks to Sebastien and Hope, a married couple in their forties who have been together for 20 years, married for 16, 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.   In this episode we uncover: • Why Sebastien still feels broke, even though their finances are stronger than they used to be • How Hope's optimism clashes with Sebastien's fear about the future • Their combined income of around $195,000 a year • Their assets of $674,000, investments of $129,000, savings of $11,000, and debt of $437,000 • Why having only one month of emergency savings puts them in a risky position • How both Hope and Sebastien became business owners after buying existing companies • Hope's architecture business and Sebastien's wine importing business • Why Ramit says they are talking around the numbers instead of confronting them directly • How their current retirement projection could give them only around $35,000 a year • Why Hope's $130,000 retirement dream requires a much more aggressive investing plan • Why their guilt-free spending and fixed costs are squeezing savings and investments • How one final credit card payment could drop their fixed costs from 67% to 52% • Why their grocery spending becomes one of the first practical areas to tighten • Ramit's math mistake in the episode and why the overall lesson still stands • Sebastien's need for a clear business runway and decision point • Hope's realization that she was not being fully honest with herself about their finances ⏩ CHAPTERS (00:00:53) Introduction: is it too late to be successful with money? (00:02:40) Sebastien and Hope's financial snapshot (00:04:11) Their annual “executive household planning retreat” (00:06:01) Ramit asks if their planning system is actually working (00:08:02) Sebastien's fear about his wine importing business (00:11:31) How they each became business owners (00:15:31) Feeling broke vs actually being broke (00:16:47) Ramit reads Sebastien's application back to Hope (00:20:08) Assets, investments, savings, debt, and net worth (00:21:21) Ramit pushes them to say: “It's not enough” (00:23:20) Their projected retirement number (00:25:31) Ramit points out they only have one month of emergency savings (00:33:31) Their CSP: fixed costs, investments, savings, and guilt-free spending (00:34:24) Breaking down their $437,000 debt (01:01:22) The $45,500-a-year investment target (01:15:59) Sebastien's business plan and runway (01:24:20) Ramit's final advice: redo the CSP and lock in the numbers (01:25:46) Hope's follow-up (01:27:40) Sebastien's follow-up (01:29:22) Their updates: increased IRA contributions and Vanguard investing This episode is brought to you by: Netsuite | Get the free guide “Demystifying AI” at https://netsuite.com/ramit LMNT | Get a free LMNT Sample Pack with any order at https://drinklmnt.com/RAMIT Factor | Head to https://factormeals.com/ramit50off and use code ramit50off to get 50 percent off and free daily greens per box, with new subscription only, while supplies last until 09/27/2026. (See website for more details). DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout Get 25% off my programs until Friday May 15th at iwt.com/programs with code RESET26. Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Calling LA couples: Apply to be coached for free on this podcast at https://iwt.com/apply

Ramit Sethi of I Will Teach You To Be Rich talks to Nicole and Shane, an engaged couple in their forties getting married in just 11 days. Together they earn $241,000 a year, have a net worth of $588,000, and hold $265,000 in savings, but their financial lives are still tangled. Nicole has built a rich life around travel, dining out, and intentional spending, while Shane is a natural saver whose job has covered most of his living expenses. As they prepare for marriage, a future child, and a major shift in Nicole's income, Ramit helps them confront the messy reality of combining money, separating business and personal finances, investing more aggressively, and turning vague dreams into a real shared Rich Life.   In this episode we uncover: • Why Nicole's $10,000-a-month spending shocked Shane early in their relationship • How Nicole built a “Rich Life” for one through travel, dining out, and dedicated savings • Shane's unusual work setup where housing, food, and utilities have been covered • The tension of combining finances just 11 days before their wedding • Why Nicole feels judged for her lifestyle, even though her numbers are strong • Their combined income of $241,000 a year and net worth of $588,000 • Why Shane has a higher net worth despite Nicole earning slightly more • Nicole's concern that her income could drop by half after having a child • How Nicole's business and personal finances became dangerously tangled • Their surprisingly low fixed costs and unusually high savings rate • Why having $265,000 sitting in savings may actually be holding them back • Shane's habit of trying to time the market when investing • Why their projected $1.7 million retirement portfolio may not be enough for the life they want • Ramit's advice on turning their messy numbers into a shared financial vision before marriage ⏩ CHAPTERS (00:00:00) Teaser: “You spend $10,000 a month?” (00:01:02) Introduction: combining money before marriage (00:02:47) Nicole and Shane's financial snapshot (00:06:53) Nicole feels judged by her lifestyle (00:08:50) Nicole's Rich Life: travel, dining out, and $500 dresses (00:12:45) How marriage changes Shane's living situation (00:15:38) Reviewing their Conscious Spending Plan (00:19:42) Their $241,000 household income (00:24:01) Ramit explains why letting the prenup discussion go was a mistake (00:27:20) Nicole's business and personal finances are mixed together (00:35:00) The problem with saving 42% but under-investing (00:40:32) Nicole's guilt-free spending doesn't add up (00:45:26) Ramit explains the danger of tracking without understanding (00:48:53) Their retirement projection (00:50:13) Why $1.7M may not be enough (00:52:05) Reallocating savings instead of only cutting spending (01:20:12) Turning dreams into a realistic financial vision (01:47:11) Ramit's final advice: use the time before income changes wisely (01:50:00) Follow-ups and closing thoughts This episode is brought to you by: Netsuite | Get the free guide “Demystifying AI” at https://netsuite.com/ramit LMNT | Get a free LMNT Sample Pack with any order at https://drinklmnt.com/RAMITFactor | Head to https://factormeals.com/ramit50off and use code ramit50off to get 50 percent off and free daily greens per box, with new subscription only, while supplies last until 09/27/2026. (See website for more details). DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkoutGet 25% off my programs until Friday May 15th at iwt.com/programs with code RESET26. Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Apply to be on my podcast at https://iwt.com/apply 

Ramit Sethi of I Will Teach You To Be Rich talks to Mikaela and Dave, both in their early thirties, parents of two young children, and earning an impressive $278,000 a year. Despite a net worth nearing $1.5 million, they struggle to spend money, even on necessities. Mikaela wears clothes with holes, and Dave sits in an uncomfortable chair, all rooted in a scarcity mindset developed from past challenges and recent life events. Ramit helps them explore their money beliefs, encouraging them to redefine their rich life beyond just accumulating wealth. In this episode we uncover: • Their surprising net worth of nearly $1.5 million in their early thirties • Mikaela's struggle to replace workout leggings with holes, even when she can afford it • Dave's discomfort with his office chair despite working from home • The recent health scares that have frozen their spending decisions • Why Mikaela still views money through a lens of scarcity despite their wealth • The shocking realization of their actual household income versus their perception • The invisible labor dynamics in their financial management • Mikaela's childhood experiences with financial stress and lack of fun • How past trauma and family loss continue to influence their spending habits • The challenge of transitioning from a "hoarder's mentality" to enjoying their money • Their vision for a Rich Life that includes travel and personal well-being • Ramit's advice to ban the word "need" from their financial vocabulary ⏩ CHAPTERS (00:00:00) Introduction (00:03:08) Why they struggle to spend money (00:06:08) The impact of past health scares (00:14:00) What it means to be "frozen" (00:16:32) The origins of their frugal mindset (00:33:51) The shock of their true income (00:40:00) Rebuilding financial foundations (00:46:08) Mikaela's childhood and money lessons (00:52:19) The profound impact of family loss (01:06:00) Building an amazing relationship with money (01:14:38) How to get help from Ramit (01:16:40) Reimagining the concept of "need" (01:19:15) The value of Mikaela's time (01:27:00) The invisible labor in financial planning (01:31:00) Ramit's challenge for Dave to initiate fun spending (01:35:10) Setting boundaries for family finances (01:37:00) Defining their rich life together (01:44:30) Ramit's parting advice This episode is brought to you by: Facet | As of the date of this recording, Facet is waiving the enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to facet.com/ramit to learn more about which membership option is best for you. Offer has been extended to 12/31/2026. #FacetAd Fabric by Gerber Life | Join the thousands of parents who trust Fabric to protect their family. Apply today in just minutes at https://meetfabric.com/ramit Wildgrain | Get $30 off the first box — PLUS free Croissants for life — at https://wildgrain.com/ramit Wispr Flow | Try Wispr Flow for free at wisprflow.ai/ramit Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTubeHave you or your partner fallen for a scam? Maybe gotten bad financial advice from someone who didn't keep their promises? If so, I want to talk. Apply to be on my podcast at https://iwt.com/apply

Ramit Sethi of I Will Teach You To Be Rich talks to Kristina and Erin, a married couple who have been together for 10 years, raising two children in Toronto. They make good money, but they have no system for their finances, which has led to years of avoidance. They've accumulated $106K in debt and have only two weeks of savings. While Erin, the "stable one," has a full-time job, Kristina's entrepreneurial journey has been marked by wildly inconsistent income, including a $50K loss on NFTs. They both admit they don't trust each other or themselves with money. Ramit helps them confront their fears, redefine their relationship with money, and finally start working as a team. In this episode we uncover: • How Kristina lost $50K in NFTs • Why Erin struggles with "spending with emotion" • The cultural component of their Catholic guilt around money • How their childhood experiences influence their money habits • Kristina's fear that her income won't last • The surprising truth about their combined income • Why they avoid tracking their spending • Their identity as "coach collectors" who avoid real change • Ramit's "60-second truth-telling" exercise • Why they need to be aligned as partners to achieve their goals • The true cost of credit card debt • Why their "guilt-free" spending is holding them back • Ramit's radical advice on cutting fixed costs • How they can quickly pay off their debt Chapters: (00:00:00) Introduction (00:02:40) Feeling stupid about money (00:05:23) Unspoken financial conversations (00:08:44) Fear that money won't last (00:09:25) Lack of trust around money (00:15:16) Emotional spending and guilt (00:19:55) The surprising truth about their net worth (00:22:52) The impact of high fixed costs (00:27:00) "We work too hard to feel like we don't have anything" (00:30:45) Why past coaching failed (00:34:54) Childhood money lessons and scarcity (00:41:46) The impact of Catholic guilt (00:49:30) Goals for debt and savings (00:54:30) Ramit's 60-second truth-telling (00:58:33) Fixing the Conscious Spending Plan (01:07:07) Aligning on a Rich Life together (01:17:35) How Kristina and Erin are going to get on the same page (01:21:40) Why they're afraid to talk about money with their kids This episode is brought to you by: DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit LMNT | Get a free LMNT Sample Pack with any order at https://drinklmnt.com/RAMIT Superhuman Mail | Turn your inbox into momentum. Sign up at https://superhuman.com/podcast. Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Have you or your partner fallen for a scam? Maybe gotten bad financial advice from someone who didn't keep their promises? If so, I want to talk. Apply to be on my podcast at https://iwt.com/apply 

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3528: Kevin shares a simple but powerful way to stay financially steady when life's inevitable slip-ups happen: a “stupid mistakes fund.” By setting aside small amounts consistently, you can absorb unexpected costs without derailing your goals, turning frustrating moments into manageable inconveniences. Read along with the original article(s) here: https://financialpanther.com/create-stupid-mistakes-fund-stupid-mistakes/ Quotes to ponder: "I ended up looking down at my phone and found myself veering into the other lane." "None of us is perfect, so we're all going to make stupid mistakes in our life." "You're going to make stupid mistakes, that's a guarantee." Episode references: I Will Teach You To Be Rich: https://www.amazon.com/Will-Teach-You-Be-Rich/dp/1523505745 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3528: Kevin shares a simple but powerful way to stay financially steady when life's inevitable slip-ups happen: a “stupid mistakes fund.” By setting aside small amounts consistently, you can absorb unexpected costs without derailing your goals, turning frustrating moments into manageable inconveniences. Read along with the original article(s) here: https://financialpanther.com/create-stupid-mistakes-fund-stupid-mistakes/ Quotes to ponder: "I ended up looking down at my phone and found myself veering into the other lane." "None of us is perfect, so we're all going to make stupid mistakes in our life." "You're going to make stupid mistakes, that's a guarantee." Episode references: I Will Teach You To Be Rich: https://www.amazon.com/Will-Teach-You-Be-Rich/dp/1523505745 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3528: Kevin shares a simple but powerful way to stay financially steady when life's inevitable slip-ups happen: a “stupid mistakes fund.” By setting aside small amounts consistently, you can absorb unexpected costs without derailing your goals, turning frustrating moments into manageable inconveniences. Read along with the original article(s) here: https://financialpanther.com/create-stupid-mistakes-fund-stupid-mistakes/ Quotes to ponder: "I ended up looking down at my phone and found myself veering into the other lane." "None of us is perfect, so we're all going to make stupid mistakes in our life." "You're going to make stupid mistakes, that's a guarantee." Episode references: I Will Teach You To Be Rich: https://www.amazon.com/Will-Teach-You-Be-Rich/dp/1523505745 Learn more about your ad choices. Visit megaphone.fm/adchoices

Ramit Sethi of I Will Teach You To Be Rich talks to Gabriella, 36, and Chris, 40, a married couple from Pennsylvania with four kids, zero savings, and $32,000 in credit card debt. They both work multiple jobs. Chris travels all week and picks up extra shifts on weekends. Gabriella juggles three income streams while running the household alone. And yet their fixed costs sit at 109% of their income and the debt keeps growing. What Ramit uncovers goes much deeper than the numbers. For years, Gabriella has been managing everything alone, building budgets Chris never looks at, covering purchases she never agreed to, and quietly losing hope. Chris has been avoiding the conversation entirely. And buried underneath it all is something neither of them mentioned in their application: they've been here before. They filed for bankruptcy. And now, with four kids in tow, they're on the exact same path. In this episode we uncover: Why two incomes and two extra jobs still aren't enough when your fixed costs are 109% The treadmill purchase that broke Gabriella's trust What Ramit means by "95% of your money relationship is in the shadows" The bankruptcy reveal that changes everything Why Chris can't give a straight answer and what it's costing the marriage The moment Gabriella admits she stopped doing everything just to see what would happen How Gabriella's new $70K job changes the numbers overnight The Florida plan and why Ramit says it won't fix anything What it looks like when a couple finally starts working as a team Chapters: (00:00:00) "I've never not worried about money in our marriage" (00:07:10) Do you have trust issues around money? (00:15:18) "What if you just stopped doing it all?" (00:17:32) "95% of our relationship with money is in the shadows" (00:22:17) Ramit reads the separation ultimatum from her application (00:34:00) The power dynamic: who earns more, who leads? (00:46:05) "So you all are broke" (00:52:27) The bankruptcy reveal (01:00:36) The Florida plan and why it won't fix anything (01:03:31) Gabriella's new income changes everything (01:05:57) "I'm too tired of being alone" (01:58:09) Follow-ups Calling LA couples: Apply to be coached for free on this podcast at ⁠https://iwt.com/apply⁠ This episode is brought to you by: Fabric by Gerber Life | Join the thousands of parents who trust Fabric to protect their family. Apply today in just minutes at https://meetfabric.com/ramit DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout ZocDoc | Go to https://zocdoc.com/ramit to find and instantly book a top-rated doctor today #sponsored  Facet | As of the date of this recording, Facet is waiving the enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to facet.com/ramit to learn more about which membership option is best for you. Offer has been extended to 12/31/2026. #FacetAd  If you or your partner get stressed spending $150 on dinner, or are covering up spending, I'd like to help. Apply to be coached for free on this podcast at iwt.com/apply Connect with Ramit Get my new book, Money For Couples Get Money Coaching with Ramit  Download the Conscious Spending Plan Listen to my book—now on Audible Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube Have you or your partner fallen for a scam? If so, I'd like to help. Apply to be coached for free on this podcast at iwt.com/apply 

Ramit Sethi of I Will Teach You To Be Rich talks to Tania and Mike who are in their 50s, married 21 years, and earning over $225,000 a year. By most measures, they should be fine. But they've been trapped in the same debt cycle for two decades. Cashing out 401(k)s, borrowing from family, and digging themselves out only to fall right back in. Again and again. When Ramit opens their Conscious Spending Plan, the numbers are genuinely shocking. Fixed costs at 155%. Savings at 0%. Guilt-free spending at -73%. They are spending more than they make every single month and they have barely one month of savings to show for it. But the money isn't even the most revealing part of this episode. Ramit works through the psychology behind the cycle, the “dreamer” pattern that keeps pulling them back in, and what it's actually going to take for them to change together. In this episode we uncover: A $228K income with 155% fixed costs… How does that even happen? The parent-child dynamic Ramit identifies and why both of them are miserable because of it Mike's $23,000 tractor purchase and the pattern behind it Why Tania has been a “money transcriptionist” instead of a money manager The “dreamer” trap: Believing the next thing will finally fix everything How Mike's upbringing shaped his complete shutdown around money What real money conversations between couples actually look like The follow-up update from Tania and Mike Chapters: (00:00:00) Introduction (00:07:04) Looking at the numbers: $228K income, 155% fixed costs (00:11:41) "I've never talked about feelings, we've been married 21 years" (00:30:35) The tractor: how every big purchase actually happens (00:43:26) Cashing out retirement AGAIN! (00:47:14) The dreamer pattern: why the next thing never fixes anything (00:53:46) Michael's moment: "I don't know how to talk about money. It scares me." (01:07:56) Ramit walks through their house: where did all the money go?(01:16:07) The alter ego exercise: imagining a different life (01:31:27) Tanya's moment: "I'm the hero. I always say yes." (01:34:05) Ramit draws the caricature (02:01:48) Follow-ups This episode is brought to you by: Gusto | Try Gusto at http://gusto.com/ramit and get 3 months free when you run your first payroll Facet | As of the date of this recording, Facet is waiving the enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to facet.com/ramit to learn more about which membership option is best for you. Offer expires March 31, 2026. #FacetAd  Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit Fabric by Gerber Life | Join the thousands of parents who trust Fabric to protect their family. Apply today in just minutes at https://meetfabric.com/ramit Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Has your partner recently been obsessed with investing? Maybe not telling you what they're doing with your shared money? If so, I'd like to talk. Apply to be coached for free on this podcast at iwt.com/apply 

Ramit Sethi of I Will Teach You To Be Rich talks to Lina, 35, and Mike, 28, a married couple living in South Florida with their 8-month-old son. Despite earning almost $200,000 annually, they've been entangled in debt since their wedding three years ago. They consistently make plans to conquer their financial woes but never follow through. Their debt has soared to over $750,000, and their fixed costs devour 98% of their take-home pay, leaving them with zero savings. Lina attributes their financial struggles to unexpected events, like her pregnancy, which led to her cutting back on work and an increased focus on comfort and convenience, regardless of the cost. Mike, an accountant, has largely deferred to Lina, resulting in a fractured approach to their shared finances. They both use "comfort" as a justification for their spending, avoiding "sacrifice," yet this mindset is driving them toward a financial cliff. Can Ramit help them confront their real numbers, bridge their communication gap, and finally unite as a financial team to build a rich life? In this episode we uncover: • Why Lina's comfort-first approach to spending is unsustainable • Mike's "happy wife, happy life" approach to finances • The shocking reality of their $750,000 debt despite a high income • How Mike's "accountant" background has not helped their personal finances • The startling hidden costs of their lifestyle choices • Lina's upbringing with generational wealth and its impact on her money mindset • Mike's immigrant experience and its influence on his spending habits • The unspoken divide in their financial expectations and responsibilities • Ramit's direct challenge to their "comfort over sacrifice" mentality • A dramatic suggestion to overhaul their financial situation • Their raw and vulnerable discussion about making tough decisions • The moment Mike and Lina finally confront their financial reality Chapters: (00:00:00) Introduction (00:04:01) "We make plans and we never follow through" (00:09:00) Understanding their "comfort vs. sacrifice" mentality (00:18:40) Mike's "happy wife, happy life" approach (00:34:50) Unpacking their debt (00:40:11) "If we're a plane, we're about to crash" (00:46:00) Lina's privileged upbringing & generational wealth (01:00:21) Mike's immigrant story and mom's sacrifices (01:26:02) Confronting their high fixed costs and potential solutions (01:17:01) Mike and Lina's dramatic confrontation about spending habits (01:21:00) The power of a shared vision for their future (01:32:14) Follow-ups This episode is brought to you by: Leesa | Go to https://leesa.com for 20% off mattresses PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners LMNT | Get a free 8-count Sample Pack with any LMNT order at https://drinklmnt.com/RAMIT DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout Factor | Go to https://factormeals.com/ramit50OFF and use code RAMIT50OFF to get 50% off your first box, plus free breakfast for 1 year ZocDoc | Go to https://zocdoc.com/ramit to find and instantly book a top-rated doctor today #sponsored  Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you or your partner get stressed spending $150 on dinner, or are covering up spending, I'd like to help. Apply to be coached for free on this podcast at iwt.com/apply

Ramit Sethi of I Will Teach You To Be Rich talks to John and Victoria in a follow-up episode. This couple, in their thirties with three children and a home in suburban New York, is facing severe financial challenges with 97% fixed costs and over $100K in non-mortgage debt. In their last session, Ramit highlighted the urgency of their situation, presenting them with two stark choices: sell their house and clear debt, or double down on income and aggressive cuts. They chose to keep their house, which required Victoria to return to work, both of them to significantly increase their earnings, and drastically cut spending. Ramit challenged them to implement these changes within two months. This episode reveals how John and Victoria fared in those crucial eight weeks. Did they truly embrace change, or did old habits resurface? In this episode we uncover: • Their initial feelings after the first money coaching session • The surprising reason for Victoria's job loss • How they managed to cut $500 from their grocery bill • Why John thinks dry cleaning is a necessity • Ramit's radical advice on debt repayment versus savings • The true meaning of "rich life" for John and Victoria • How their childhood money beliefs impact their present • The hidden challenge of Victoria's student loans • Their struggle with an external vs. internal locus of control • The danger of a financial plan that requires 100% perfection Chapters: (00:00:00) The desperation that led to an application to Ramit (00:03:00) How a hotel bill leads to a missed mortgage payment (00:05:25) The once-a-year money conversation (00:10:47) The devastating results of Victoria's annual money spreadsheet (00:19:18) Justifying thousands in Amazon purchases with high debt (00:28:15) Understanding their $600K net worth and zero liquidity (00:35:10) The crushing reality of 97% fixed costs (01:10:46) Victoria's inherited money trauma fuels her avoidance (01:19:40) The importance of taking decisive action (01:21:05) The couple's future plans This episode is brought to you by: Facet | As of the date of this recording, Facet is waiving the enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to facet.com/ramit to learn more about which membership option is best for you. Offer expires March 31, 2026. #FacetAd MasterClass | For unlimited access to every class and an additional 15% off any annual membership, go to https://masterclass.com/ramit Fabric by Gerber Life | Join the thousands of parents who trust Fabric to protect their family. Apply today in just minutes at https://meetfabric.com/ramit Netsuite | Get the free guide “Demystifying AI” at https://netsuite.com/ramit Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you or your partner get stressed spending $150 on dinner, or are covering up spending, I'd like to help. Apply to be coached for free on this podcast at iwt.com/apply

Ramit Sethi of I Will Teach You To Be Rich talks to John and Victoria, a couple in their thirties with three children who own a home they adore in the suburbs of New York. Despite a beautiful house and growing family, their financial reality is grim. They are facing a structural financial problem, with 97% of their take-home pay consumed by fixed costs and less than a week's worth of savings. Ramit helps them confront the deep-seated issues that are keeping them in a constant state of financial precarity, from their avoidance of tough money conversations to inherited money scripts from childhood. Can John and Victoria break free from their cycle of justification and short-term thinking to secure their family's future, or will their dream home remain their biggest financial burden? In this episode we uncover: • How 97% fixed costs lead to a desperate financial situation • The role of a vacation in triggering their mortgage payment crisis • Their alarming "once a year" approach to discussing money • The mental gymnastics behind their Amazon purchases • A revealing peek at their "money wishlist" revealing crazy renovation plans • The shocking truth about their combined total net worth • The impact of a significant annual financial gift on their spending habits • Victoria's avoidance of medical bills and connection to her mother's money habits • Ramit's candid warning about their path to losing their home • The critical choice they face: the house or their financial stability Chapters: (00:00:00) Introduction (00:02:37) The Mortgage Crisis and Vacation Spending (00:07:45) Their "Once a Year" Money Talks (00:16:14) The Amazon Justification and Money Wishlist (00:25:10) A High Net Worth, Zero Liquidity (00:30:15) The Emotional Cost of Financial Struggle (00:41:50) The True Cost of Their Grocery Spending (00:48:10) Understanding Their Credit Card Debt (01:09:31) Ramit's Dire Warning: The Threat to Their Home (01:13:07) A Fork in the Road: House vs. Financial Stability This episode is brought to you by: DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout Superhuman Mail | Turn your inbox into momentum. Sign up at https://superhuman.com/ramit3. Gusto | Try Gusto at http://gusto.com/ramit and get 3 months free when you run your first payroll Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 10% off plus free shipping ZocDoc | Go to https://zocdoc.com/ramit to find and instantly book a top-rated doctor today #sponsored  Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Do you want to retire in the next 5 years but wonder if you have enough? If so, I'd like to help. Apply to be coached for free on this podcast at iwt.com/apply

Ramit Sethi of I Will Teach You To Be Rich talks to Chris and Heather, a couple aged 41 and 39 respectively, who, despite earning over $450,000 annually and boasting a $2.18 million net worth, feel like they're living paycheck to paycheck. Heather, an accomplished healthcare professional, worries that despite their income, they aren't organizing their finances effectively, leading to a feeling of scarcity. Chris, who works for the State of California, focuses on long-term retirement planning but avoids making crucial decisions, leading to "analysis paralysis." Their differing views on spending - Heather's desire for "rich life now" versus Chris's cautious, debt-averse approach, create underlying tension. Ramit challenges their underlying money psychology, uncovering how childhood experiences influence their current financial anxieties. In this episode we uncover: • Their contrasting interpretations of their "paycheck-to-paycheck" life • Heather's aversion to finance, despite an impressive debt payoff history • Why Chris is hesitant to talk about money • The car purchase that highlighted their financial differences • Why Heather feels conflicted about her luxury spending • Chris's childhood with parents who constantly claimed to be "poor" • Why Chris hates taxes as much as he hates debt • Vacation Chris vs. Everyday Chris's spending habits • The real cost of their financial indecision Chapters: (00:00:00) My income feels like "paycheck to paycheck" (00:04:10) Their differing applications reveal fundamental money beliefs (00:07:22) An argument over income reveals deeper trust issues (00:13:25) "We have enough money, but still feel like we live paycheck to paycheck" (00:19:45) Why people systematically discount money psychology (00:23:28) Their first major money disagreement: financing a car (00:44:48) Their struggle to define "enough" for retirement (00:54:10) Why their "too many unknowns" approach is holding them back (01:05:51) The surprising "Vacation Chris" versus everyday Chris (01:11:11) Heather: “I feel conflicted” about luxury spending (01:24:09) Ramit's frustration with the couple (01:38:35) Progress updates This episode is brought to you by: Wildgrain | Get $30 off the first box — PLUS free Croissants in every box — at https://wildgrain.com/ramit Facet | As of the date of this recording, Facet is waiving the enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to facet.com/ramit to learn more about which membership option is best for you. Offer expires March 31, 2026. #FacetAd  Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit Fabric by Gerber Life | Join the thousands of parents who trust Fabric to protect their family. Apply today in just minutes at https://meetfabric.com/ramit Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Have you or your partner fallen for a scam? If so, I'd like to help. Apply to be coached for free on this podcast at iwt.com/apply

Ramit Sethi of I Will Teach You To Be Rich talks to Cre and April, a couple of five years, aged 46 and 48. Cre lives a debt-averse life and has been methodically building her wealth. April, on the other hand, earns more than twice Cre's income but struggles with significant debt and zero savings. They are at a crossroads, contemplating moving in together, but their conflicting approaches to money present a major hurdle. Cre fears that April's spending habits will lead to constant arguments and financial strain, especially with the prospect of marriage and inheriting April's substantial debt. April, however, doesn't see her spending as a problem, insisting she lives a good life and can always work more to cover expenses. Ramit helps them uncover the generational patterns influencing their financial behaviors and challenges them to reconsider their current dynamic. In this episode we uncover: • How Cre and April act as "granny and child" during money conversations • Why April feels micromanaged and hides purchases • The emotional pressure April uses to get what she wants • The significant disparity in their net worth despite April's higher income • Why April initially doesn't see a problem with her spending habits • The uncomfortable truth about April treating money like she's still poor • How April's family history of money management influences her • The shocking revelation about generational money patterns • Why April's daughter is following a similar financial dynamic • Ramit's direct challenge to April's “innocent doe” persona • Cre's struggle to set clear financial boundaries • How April reacts to Cre's direct financial expectations • Ramit's step-by-step plan for April to tackle debt and build savings Chapters: (00:00:00) Introduction (00:04:14) April's persistent questions about Cree's spending (00:07:49) The "granny and child" roles in their money talks (00:12:47) Why April fears marrying into debt (00:13:46) The core of their financial disagreement (00:23:05) A stark comparison of their financial numbers (00:26:08) April's disconnect from her serious financial situation (00:36:00) Cree's secret side income and resourcefulness (00:40:00) April's luxury basement renovation with zero savings (00:44:40) Unpacking April's extensive debt and spending habits (00:48:28) Generational money patterns in April's family (01:05:32) Cree's struggle to set clear financial boundaries (01:10:09) The pitfalls of "walking on eggshells" in a relationship This episode is brought to you by: LMNT | Get a free 8-count Sample Pack with any LMNT order at https://drinklmnt.com/RAMIT Factor | Go to https://factormeals.com/ramit50OFF and use code RAMIT50OFF to get 50% off your first box, plus free breakfast for 1 year ZocDoc | Go to https://zocdoc.com/ramit to find and instantly book a top-rated doctor today #sponsored  Leesa | Go to https://leesa.com for 30% off mattresses PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Are you looking to retire in the next 5 years but wondering if you have enough saved? Apply to be coached for free on this podcast at iwt.com/apply

The “Publish and Pray” era is over. Welcome to the era of Distribution. Lars Lofgren, former Director of Growth at KISSmetrics and I Will Teach You To Be Rich, has a brutal reality check for B2B marketers: The “HubSpot Playbook” (write generic SEO posts gate with an ebook nurture via email) is dead. Why? Because…

Ramit Sethi of I Will Teach You To Be Rich talks to Stephanie and Chris, an early-40s couple with three young children, two of whom have special needs. Chris is a professor, and Stephanie, an RN, has recently cut back her hours due to burnout. Despite Chris's confidence that “it'll all work out,” their current financial situation is dire: 92% fixed costs, $544K in debt, and virtually no savings. Stephanie handles the books but feels dismissed when she raises concerns, while Chris struggles to listen and often interrupts. Ramit helps them uncover hidden money scripts, gender dynamics, and a profound lack of communication that has kept them stuck in an "avalanche of inaction" for years. Can they finally align on a concrete plan and connect meaningfully about money? In this episode we uncover: • The stark reality of 92% fixed costs and zero investments • How Chris's “it'll all work out” dismisses Stephanie's worries • How their money conversations always end in gridlock • Why a wobbly kitchen sink reveals their deeper financial issues • The surprising cost of their kids' swim lessons • How their combined salary still leaves them broke • The emotional toll of their financial situation on Stephanie • Chris's self-awareness about his "ignorant reassurer" role • How their money "inaction" has cost them hundreds of thousands • Why Stephanie feels unheard and Chris struggles to listen • The plan to drastically cut fixed costs and tackle debt • Why it's time to stop making excuses and start taking action Chapters: (00:00:00) Introduction (00:04:47) Their repetitive money conversation (00:08:24) Chris's "natural reaction is to shut down" (00:10:40) "He's a buzzkill" (00:16:35) Breaking down their assets, debt, and net worth (00:22:04) Stephanie's emotional confession (00:24:00) Chris's desire to comfort without listening (00:48:47) The cost of their inaction on investments (00:56:56) How Chris can better support Stephanie (01:11:00) What true financial partnership looks like (01:12:00) Transforming their conscious spending plan (01:21:00) A path to a 60% fixed cost future This episode is brought to you by: Fabric by Gerber Life | Join the thousands of parents who trust Fabric to protect their family. Apply today in just minutes at https://meetfabric.com/ramit Netsuite | Get the free guide “Demystifying AI” at https://netsuite.com/ramit Facet | As of the date of this recording, Facet is waiving the enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to facet.com/ramit to learn more about which membership option is best for you. Offer expires March 31, 2026. #FacetAd   MasterClass | For unlimited access to every class and up to 50% off an annual membership, go to https://masterclass.com/ramit Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTubeIf you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here: https://iwt.com/apply

Ramit Sethi of I Will Teach You To Be Rich talks to Melissa and Tony, a couple who immigrated from Mexico with big dreams and an even bigger work ethic. In less than a decade, they've built a net worth of nearly $900,000. But beneath the surface of their impressive paper wealth, they're carrying almost $1 million in debt and are completely misaligned on their financial goals. With their second child due any day, Ramit helps them uncover the root of their money woes, from differing money styles to the profound impact of their upbringing. Can they finally get on the same page, create a financial system that works, and build a sustainable rich life? In this episode we uncover: • How Melissa and Tony built a nearly $900K net worth in 8 years • The "rollercoaster" of their financial decision-making • Why their credit card debt is actually due to real estate • Tony's “paycheck to paycheck” feeling with a $189k household income • Melissa's childhood money lessons from her dad, Mr. No • How they navigate financial planning with a baby due this month • Why they avoid combining their high incomes • The cultural influences shaping their financial narratives • What happens when Tony is “comfortable” and avoids change • The deeper reasons behind their ongoing money disagreements • Ramit's advice on how to communicate about money effectively • A surprising agreement that might change their future Chapters: (00:00:00) Introduction (00:02:28) Their chaotic financial situation (00:07:07) Melissa and Tony's real estate struggles (00:13:07) Melissa's real estate ambitions vs. Tony's pessimism (00:20:58) The cycles of making and losing money (00:26:59) The ineffective communication about debt (00:33:57) The danger of making emotional money decisions (00:37:35) Diving deep into their income and debt (00:46:01) Their unspoken rules about money and spending (00:51:56) The painful truth behind being "house poor" (01:00:43) Impact of childhood money lessons on their current finances (01:10:29) The parent-child dynamic in their financial relationship   This episode is brought to you by: Superhuman | Turn your inbox into momentum. Sign up at https://superhuman.com/ramit. ZocDoc | Go to https://zocdoc.com/ramit to find and instantly book a top-rated doctor today #sponsored  DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 10% off plus free shipping Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here: https://iwt.com/apply

Ramit Sethi of I Will Teach You To Be Rich talks to Grace and James, a couple from Ireland, aged 38 and 37, who have been navigating immense challenges. James was diagnosed with cancer and underwent a year of treatment, while Grace managed a difficult pregnancy and maternity leave with their second child, an infant. Amidst the fear and grief, their household income took a significant hit, causing financial strain. Grace felt the burden of managing their finances, leading to guilt about James continuing to work during his illness. Despite these hardships, they've built a strong financial foundation with high savings and have managed to stay afloat. Ramit helps them explore their individual money psychologies, the impact of their upbringings, and how their shared experiences have shaped their financial outlook, revealing a story of resilience, unwavering teamwork, and an inspiring pursuit of a rich life. In this episode we uncover: • How Grace feels immense pressure to manage finances • The emotional toll of James's cancer diagnosis • Grace's hidden "mindless" spending under stress • The Irish perspective on "mustn't grumble" about money • James's childhood money messages and aversion to debt • The surprising freedom found in small financial wins • Grace's proactive approach to long-term financial planning • The power of internal versus external locus of control • How a shared money philosophy can emerge from conflict • The importance of planning for the worst when at your best • Their inspiring journey of overcoming adversity as a team Chapters: (00:00:00) Introduction (00:05:13) Grace's guilt over James working during cancer (00:12:32) Grace's "mindless purchases" and coping mechanisms (00:15:55) The surprising reality of their financial stability (00:30:03) Contrasting money philosophies: big spend vs. small treats (00:33:45) Reviewing their Conscious Spending Plan and uncovering hidden wealth (00:46:12) The impact of fluctuating income on their financial outlook (00:55:00) Planning for the worst when they are at their best (01:00:16) James's upbringing and the origins of his money anxiety (01:11:10) Their "ice cream cone" fight and early money revelations This episode is brought to you by: Notion | Try Notion, now with Notion Agent, at https://notion.com/ramit LMNT | Get a free 8-count Sample Pack with any LMNT order at https://drinklmnt.com/RAMIT Fabric by Gerber Life | Join the thousands of parents who trust Fabric to protect their family. Apply today in just minutes at https://meetfabric.com/ramit Facet | As of the date of this recording, Facet is waiving their $250 enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to facet.com/ramit to learn more about which membership option is best for you. Offer expires March 31, 2026. #FacetAd  Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here: https://iwt.com/apply 

Ramit Sethi of I Will Teach You To Be Rich continues his discussion with Mike and Noel in part two of their financial deep dive. The couple, married for just 6 months, faces a daunting $244K in debt with zero savings, fueled by previous "guilt-free" spending and a shocking $170K windfall that disappeared. Despite their dire situation, major cuts to their fixed costs haven't happened yet. Ramit encourages Noel to reconsider her church tithing and find proactive ways to increase income, like driving for Uber. Can they shift their mindset from feeling deprived to purposeful sacrifice, anchor their spending to zero, and collaboratively create a sustainable financial future? In this episode we uncover: • Noel's decision regarding her church tithing • The power of incremental income, like Noel's potential earnings from Uber • Ramit's "anchor to zero" framework for mindful spending • How comparing current spending to past mistakes sabotages financial progress • The importance of distinguishing between sacrifice and suffering • Why making big changes with money is meant to be hard • The potential for selling household items to boost savings and signal a "rebuilding phase" • How a short-term financial plan can set them up for long-term success • The opportunity to define their own timeline for debt repayment and savings Chapters: (00:00:00) Previously on money for couples (00:02:09) How Noel's decided to approach tithing (00:03:33) Why cutting subscriptions won't solve their problems (00:03:49) Noel's plan to earn more money with Uber (00:04:21) Ramit introduces the "anchor to zero" spending framework (00:05:46) Mike and Noel reflect on the conversation (00:07:11) Sacrifice vs. suffering: Reframing financial changes (00:08:43) Why comparing to the past holds them back (00:09:50) Noel's internal struggle with tithing (00:10:34) Ramit presents a vision for their future (00:11:15) The idea of selling household items to fund savings (00:12:18) Ramit's proposal for their next steps and a follow-up This episode is brought to you by: ZocDoc | Go to https://zocdoc.com/ramit to find and instantly book a top-rated doctor today #sponsored  DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout Leesa | Go to https://leesa.com for 25% off mattresses PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners Factor | Go to https://factormeals.com/ramit50OFF and use code RAMIT50OFF to get 50% off your first box, plus free breakfast for 1 year Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 10% off plus free shipping Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here: https://iwt.com/apply 

Ramit Sethi of I Will Teach You To Be Rich talks to Mike and Noel, a young couple who are both 34. They married just 6 months ago, but financial fights have become a daily occurrence, even after receiving a $170K windfall. Mike blames Noel for overspending, but admits they both struggle with money, while Noel views the windfall as "guilt-free" spending. With $244K in debt, zero savings, and 82% of their income going to fixed costs, Ramit helps them uncover the root of their money woes. Will they finally get on the same page, create a financial system that works, and learn to trust each other with money? In this episode we uncover: • How Mike's money anxiety leads him to check his bank account 20 times a day • The shocking truth about their $170K windfall • Why Mike's anxiety worsens when he makes more money • The one money rule Mike and Noel both broke • How Mike's upbringing shaped his money habits • Why Noel feels like she's "drowning" and has no control over their finances • The spending categories that reveal their money psychology • Why Mike's "money is mine" mentality is holding them back • Noel's struggle to “hand over her paycheck” • The credit card debt that keeps piling up • Ramit's radical approach to cutting fixed costs • The “Glade Plug-in” budget that explains everything • Noel's difficult decision about tithing and faith • Why benchmarking against past mistakes is a recipe for disaster • The truth about their approach to money Chapters: (00:00:00) “We just kinda like get whatever we want whenever we want it” (00:07:02) “I was stressing more than ever before” (00:14:04) The one money rule they both broke (00:24:29) “You treat me like a child” (00:32:39) Ramit identifies their “money leaks” (00:39:34) “I don't want to hand over my paycheck” (00:47:30) “My goals are not being met” (00:55:38) The “Glade Plug-in” budget (01:00:03) “I do wanna have a Glade budget” (01:06:50) How Mike's upbringing shaped his money habits (01:15:10) Ramit shares his radical advice (01:21:10) Preview for part two This episode is brought to you by: Bilt | Join the loyalty program for renters at https://joinbilt.com/ramit Wispr Flow | Try Wispr Flow for free at wisprflow.ai/ramit Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist Netsuite | Get the free guide “Demystifying AI” at https://netsuite.com/ramit Fabric by Gerber Life | Join the thousands of parents who trust Fabric to protect their family. Apply today in just minutes at https://meetfabric.com/ramit Connect with Ramit Get my new book, Money For Couples Get Money Coaching with Ramit  Download the Conscious Spending Plan Listen to my book—now on Audible Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here: https://iwt.com/apply

Ramit Sethi of I Will Teach You To Be Rich talks to Natalie and Chris, married with two young kids and a net worth of $1.3 million. Despite their significant assets, money remains a constant source of conflict, especially when unexpected expenses arise. Chris tends to "freak out," emotionally withdrawing and becoming zombie-like, leaving Natalie feeling alone. This pattern, which Chris describes as "catastrophizing," has intensified since their kids' expenses piled up.  Their therapist recommended they talk to Ramit, hoping to establish a financial game plan to prevent Chris's emotional collapses. Currently, 81% of their income goes to fixed costs, with 0% to savings, leading to a feeling of constant stress and no margin for error. Can Ramit help them create a financial system that provides peace of mind and allows Chris to process financial challenges with less distress? In this episode we uncover: • The unexpected source of Chris and Natalie's referral to Ramit • How large, unexpected expenses trigger Chris's emotional “shutdown” • Natalie's experience of feeling isolated when Chris is financially stressed • Why having a $1.3 million net worth doesn't alleviate their financial anxiety • The surprising reason for their elevated fixed costs and lack of savings  • The emotional impact of feeling like there's “nothing left over” at the end of the month  • Chris's pattern of “catastrophizing” and the fear of successive financial blows  • The core question their therapist hopes Ramit can answer  • How Chris's upbringing influences his current financial anxieties  • The challenges of discussing money when past traumas intertwine with current stresses Chapters: (00:00:00) “Your therapist...recommended that you speak to me” (00:10:55) “Natalie, what's your role in money?” (00:25:43) The unexpected (and huge) financial blindspot (00:36:18) Ramit discovers a massive amount of hidden money (00:45:01) “You are financially set up for life” (00:54:02) How "Red Bull wingsuit" leads to a Rich Life (01:19:20) Finding an extra $1,360/month (01:44:23) Natalie and Chris's follow-up: “He's at ease now” This episode is brought to you by: ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today #sponsored  Notion | Try Notion, now with Notion Agent, at https://notion.com/ramit DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off Gusto | Try Gusto at http://gusto.com/ramit and get 3 months free when you run your first payroll Facet | Facet is waiving their $250 enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to facet.com/ramit to learn more about which membership option is best for you. Offer expires March 31, 2026. #FacetAd  Connect with Ramit • ⁠Get my new book, Money For Couples⁠ • ⁠Get Money Coaching with Ramit⁠ • ⁠Download the Conscious Spending Plan⁠ • ⁠Listen to my book—now on Audible⁠ • ⁠Get my New York Times best-selling book⁠ • ⁠Get my no-numbers journal⁠ • ⁠Other episodes⁠ • ⁠Instagram⁠ • ⁠Twitter⁠ • ⁠YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here: https://iwt.com/apply 

According to Ramit Sethi, a personal finance author and coach, a lot of couples get stuck bickering about everyday purchases. If you're hung up on what's in the cart at Target, or who's buying too many iced teas on the way to work, Sethi says you're missing the bigger picture, and a chance to live what he calls a truly “rich life” together. Sethi is the author of “I Will Teach You To Be Rich” and “Money for Couples.” He has a podcast, also called “Money for Couples,” and was host of the Netflix show “How to Get Rich.” On this episode of Modern Love, Sethi fields questions from listeners who want to have more constructive, and less tense, money conversations. He also explains how a little curiosity and compassion can help couples through emotional processes like merging their financial lives, disclosing their debts, and mapping out their dreams for a shared future. Read four takeaways from the episode here. Subscribe today at nytimes.com/podcasts or on Apple Podcasts and Spotify. You can also subscribe via your favorite podcast app here https://www.nytimes.com/activate-access/audio?source=podcatcher. For more podcasts and narrated articles, download The New York Times app at nytimes.com/app.

What if everything you've been taught about money is wrong? In this real talk conversation, bestselling author and financial expert Ramit Sethi reveals why buying a house might be the worst investment you can make — and what to do instead to build real, lasting wealth. You'll learn how to stop “playing small” with your money, avoid common financial traps, and start making confident, aligned decisions about your rich life. Ramit Sethi is the New York Times bestselling author of I Will Teach You To Be Rich and the new book, Money For Couples. He's host of the hit Netflix show How To Get Rich, and one of the most trusted voices in personal finance. Through his bold advice and step-by-step systems, Ramit has helped millions break free from shame, ditch $3 money questions, and finally feel confident about their financial future. WHAT'S COVERED IN THIS EPISODE: 00:00 — 90% of couples don't know this ONE thing about their money 02:47 — Why most people feel dumb about money (and how to fix it) 06:04 — “He's the money person.” Why gender still shapes your financial life 09:01 — Hate your debt? Here's how to stop the shame spiral 11:51 — The $3 fight that's ruining your financial future 14:49 — The wrong way to talk about money with your partner 18:09 — One spender, one saver? How to stop the fights for good 20:51 — “Money doesn't grow on trees” — how childhood beliefs keep you broke 41:38 — The mindset shift that'll grow your wealth and your relationships 52:14 — Want to make money online? Watch this first 1:03:07 — Why most entrepreneurs suck at delegating (and what to do about it) 1:08:12 — How to build steady income in an unpredictable world 1:20:47 — What does YOUR rich life look like? Thanks for listening! New episodes drop every Tuesday. Make sure you hit the follow button to get notified.

In honour of World Book Day, Colin, Karyn, and Blair share their top finance and investing book recommendations - from timeless classics to modern favourites. Whether you are just getting started or deep into your financial journey, this episode is packed with page-turners that can help you build wealth, understand risk, and avoid common investing mistakes. Tune in and add some smart reads to your list!Here are some of our favourites if you want to add to your list!

The U.S. economy has been rattled by back-and-forth tariff policies, a seesawing stock market, and concerns about inflation continuing to rise. Americans are worried about their job security, retirement funds, and the rising costs of goods from groceries to SUVs. We talk with financial experts to help us make sense of the economic uncertainty and how it should affect our financial choices. Are you doing anything differently in response to tariffs, inflation or market fluctuations? Guests: Jessica Roy, personal finance and utility columnist, San Francisco Chronicle Ramit Sethi, personal finance expert; author, "I Will Teach You To Be Rich"; host, "I Will Teach You To Be Rich" podcast and the Netflix series "How to Get Rich" Susannah Snider, managing editor for money, U.S. News Learn more about your ad choices. Visit megaphone.fm/adchoices

In the online shopping world, there is something called “cart abandonment discounts.” Listen as I explain what they are and how you can save money on some of the items you want to buy as long as you are not in a huge hurry to buy them. https://thekrazycouponlady.com/tips/store-hacks/amazon-cart-abandonment-discounts Money is often a difficult subject for couples to discuss. One of the big reasons is that those discussions often turn into fights. But what if you could turn those discussions into fun and enjoyable talks that resulted in a shared vision of a rich life together? And what if the fights over money stopped completely? Wouldn't that be great? It can happen if you listen to my guest Rahmit Sethi. For several years he has been helping people look at their money differently. He had a huge bestselling book a few years ago called I Will Teach You To Be Rich (https://amzn.to/4h47FIm) and his latest book is called Money for Couples (https://amzn.to/4j3daJo). There are so many ways your sense of smell works to your benefit. For one thing, you are attracted to another person (or turned off by them) often because of how they smell, even if you are not conscious of it. Your sense of smell works in some interesting and mysterious ways. And here to explain the science behind all of it is Jonas Olofsson. He is a professor of psychology at Stockholm University, where he directs the Sensory Cognitive Interaction Lab and he is author of the book, The Forgotten Sense: The New Science of Smell – and the Extraordinary Power of the Nose (https://amzn.to/3DSgNS8). Your bedroom is probably dark when you go to bed – at least mostly dark. But is it completely dark? If it's not, there is something you need to understand, and we learned about it from hamsters. https://sciencemadefun.net/blog/this-color-night-light-is-best-for-sleep-the-color-will-surprise-you/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Tim Ulbrich shares insights from seven financial books that shaped his journey, offering key lessons on saving, spending, mindset, and building wealth. Summary In this episode, Tim Ulbrich highlights seven impactful financial books that shaped his journey, including I Will Teach You to Be Rich by Ramit Sethi, Die with Zero by Bill Perkins, and Rich Dad, Poor Dad by Robert Kiyosaki. He shares key takeaways on topics like balancing saving and spending, adopting a wealth-building mindset, and spending for happiness. Mentioned on the Show YFP on YouTube YFP 390: Financial Resolutions: Top 5 Moves for Pharmacists in 2025 I Will Teach You To Be Rich by Ramit Sethi  Die with Zero by Bill Perkins Rich Dad, Poor Dad by Robert Kiyosaki Tax Free Wealth by Tom Wheelwright The Millionaire Next Door by Dr. Thomas Stanley The Next Millionaire Next Door by Dr. Sarah Stanley Fallaw The Compound Effect by Darren Hardy The Total Money Makeover by Dave Ramsey Happy Money: The Science of Happier Spending by Elizabeth Dunn and Michael Norton YFP 200: An Interview with Sarah Fallaw of The Next Millionaire Next Door YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group  

Ramit Sethi is an American personal finance advisor and entrepreneur. He is also the author of the 2009 New York Times Best Seller, I Will Teach You To Be Rich. You can listen to his full-length episode HERE on Spotify and HERE on Apple Podcasts.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Simple and practical financial advice sounds familiar, but is rarely ever truly given. Maybe you have access to financial advisors you trust and maybe you don't. Understanding for yourself that money, investing and living a rich life is much simpler than you could imagine is the most important thing for you to remember. Ramit Sethi has joined me twice before to bring you sound financial advice and he delivers again. He shares investing strategies worth considering if you are looking to create wealth. Even if you're a modest investor, you'll want to hear how he breaks down the truth behind hidden investment fees, advice for couples to understand the root of their money problems and solutions for those never-ending disagreements around finances. This episode will give you the tools you need to reconsider your investment strategy, how you approach money and why, and the best way to move towards living the rich life, however you define it! Order Ramit Sethi's book, I Will Teach You To Be Rich: https://amzn.to/2VmKbKk [Original air date: 8-3-21].SHOW NOTES: 0:00 | Introduction Ramit Sethi 1:42 | Current Financial Situation 2:31 | Low Fees Exposed 5:13 | What Great Investing Is 7:28 | Investing Isn't Quick Money 10:53 | Understand Compound Growth 14:44 | Protecting Your Wealth 16:04 | Wealth Accumulation Strategy 26:51 | Low Cost Low Fee Funds 31:22 | Gamifying Investing 33:34 | Investment Journey 35:47 | Love and Money Solutions 42:35 | Couple with Separate Accounts 44:35 | Women Having Higher Income 49:09 | Pivotal Financial Conversations 53:43 | Spender Saver Couples CHECK OUT OUR SPONSORS:Range Rover: Explore the Range Rover Sport at  https://landroverUSA.comMiro: Bring your teams to Miro's revolutionary Innovation Workspace and be faster from idea to outcome at https://miro.com.Legal Zoom: Launch, run, and protect your business at https://www.legalzoom.com/ – use promo code 'IMPACT' for 10% off!Shopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impactFollow Ramit Sethi: Website: https://www.iwillteachyoutoberich.com/ Podcast: https://www.iwillteachyoutoberich.com/podcast/ Facebook: https://www.facebook.com/IWT/ Instagram: https://www.instagram.com/ramit/ What's up, everybody? It's Tom Bilyeu here:If you want my help... STARTING a business: join me here at ZERO TO FOUNDER SCALING a business: see if you qualify here. Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here.If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you.Join me live on my Twitch stream. I'm live daily from 6:30 to 8:30 am PT at www.twitch.tv/tombilyeuLISTEN TO IMPACT THEORY AD FREE + BONUS EPISODES on APPLE PODCASTS: apple.co/impacttheoryFOLLOW TOM:Instagram: https://www.instagram.com/tombilyeu/Tik Tok: https://www.tiktok.com/@tombilyeu?lang=enTwitter: https://twitter.com/tombilyeuYouTube: https://www.youtube.com/@TomBilyeu Learn more about your ad choices. Visit megaphone.fm/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Simple and practical financial advice sounds familiar, but is rarely ever truly given. Maybe you have access to financial advisors you trust and maybe you don't. Understanding for yourself that money, investing and living a rich life is much simpler than you could imagine is the most important thing for you to remember. Ramit Sethi has joined me twice before to bring you sound financial advice and he delivers again. He shares investing strategies worth considering if you are looking to create wealth. Even if you're a modest investor, you'll want to hear how he breaks down the truth behind hidden investment fees, advice for couples to understand the root of their money problems and solutions for those never-ending disagreements around finances. This episode will give you the tools you need to reconsider your investment strategy, how you approach money and why, and the best way to move towards living the rich life, however you define it! Order Ramit Sethi's book, I Will Teach You To Be Rich: https://amzn.to/2VmKbKk [Original air date: 8-3-21]. SHOW NOTES: 0:00 | Introduction Ramit Sethi 1:42 | Current Financial Situation 2:31 | Low Fees Exposed 5:13 | What Great Investing Is 7:28 | Investing Isn't Quick Money 10:53 | Understand Compound Growth 14:44 | Protecting Your Wealth 16:04 | Wealth Accumulation Strategy 26:51 | Low Cost Low Fee Funds 31:22 | Gamifying Investing 33:34 | Investment Journey 35:47 | Love and Money Solutions 42:35 | Couple with Separate Accounts 44:35 | Women Having Higher Income 49:09 | Pivotal Financial Conversations 53:43 | Spender Saver Couples Follow Ramit Sethi: Website: https://www.iwillteachyoutoberich.com/ Podcast: https://www.iwillteachyoutoberich.com/podcast/ Facebook: https://www.facebook.com/IWT/ Instagram: https://www.instagram.com/ramit/ What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER SCALING a business: see if you qualify here. Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here. If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. Join me live on my Twitch stream. I'm live daily from 6:30 to 8:30 am PT at www.twitch.tv/tombilyeu LISTEN TO IMPACT THEORY AD FREE + BONUS EPISODES on APPLE PODCASTS: apple.co/impacttheory FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Learn more about your ad choices. Visit megaphone.fm/adchoices

By living philosophically, we can learn to handle anything. This isn't easy. But this is also a foundation for true well-being, happiness, and, as seen in the lives of Marcus, Cato, and many other Stoics.Ask DS:What are the overlaps between Eastern philosophy and Stoicism? Was there a particular obstacle that Ryan experienced that led him to Stoicism?

Ramit Sethi is an American personal finance advisor and entrepreneur. He is also the author of the 2009 New York Times Best Seller, I Will Teach You To Be Rich. You can listen to his full-length episode HERE on Spotify and HERE on Apple Podcasts.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, we explore the 7 best books to help you achieve financial freedom and build long-term wealth. Learn how to strategically manage your finances, grow your investments, and scale a business for passive income. We dive into reading techniques that maximize learning and productivity, while maintaining a balanced lifestyle. Tune in for practical advice on entrepreneurship, financial independence, and the mindset needed for success. Don't miss these essential strategies to unlock financial freedom! To check out the following resources: 1. The Laptop Millionaire- https://amzn.to/3zLyocK 2. I Will Teach You To Be Rich- https://amzn.to/4ekRCFf 3. 12 Months to 1 Million- https://amzn.to/4eAznLN 4. Think and Grow Rich- https://amzn.to/4eyZAu0 5. The $100 Startup- https://amzn.to/3zLd0o1 6. EntreLeadership- https://amzn.to/3N1JkpK 7. The 7 Habits of Highly Effective People- https://amzn.to/47JAR4a 8. Rich Dad, Poor Dad- https://amzn.to/3XZpCBu9. Multiple Streams of Income- https://amzn.to/3N17H71 Click here to get a Audible membership: https://amzn.to/4gD2q3b Disclaimer: Not advice. Educational purposes only. Not an endorsement for or against. Results not vetted. Views of the guests do not represent those of the host or show. Do your due diligence. Click here to join PodMatch (the "AirBNB" of Podcasting): https://www.joinpodmatch.com/drchrisloomdphd We couldn't do it without the support of our listeners. To help support the show: CashApp- https://cash.app/$drchrisloomdphd Venmo- https://account.venmo.com/u/Chris-Loo-4 Spotify- https://podcasters.spotify.com/pod/show/christopher-loo/support Buy Me a Coffee- https://www.buymeacoffee.com/chrisJx Click here to schedule a 1-on-1 private coaching call: https://www.drchrisloomdphd.com/book-online Click here to check out our e-courses and bookstore here: https://www.drchrisloomdphd.com/shop Click here to purchase my books on Amazon: https://amzn.to/2PaQn4p For audiobooks, visit: https://www.audible.com/author/Christopher-H-Loo-MD-PhD/B07WFKBG1F Follow our YouTube channel: https://www.youtube.com/chL1357 Follow us on Twitter: https://www.twitter.com/drchrisloomdphd Follow us on Instagram: https://www.instagram.com/thereal_drchrisloo Follow us on Threads: https://www.threads.net/@thereal_drchrisloo Follow us on TikTok: https://www.tiktok.com/@drchrisloomddphd Follow our Blog: https://www.drchrisloomdphd.com/blog Follow the podcast on Spotify: https://open.spotify.com/show/3NkM6US7cjsiAYTBjWGdx6?si=1da9d0a17be14d18 Subscribe to our Substack newsletter: https://substack.com/@drchrisloomdphd1 Subscribe to our Medium newsletter: https://medium.com/@drchrisloomdphd Subscribe to our email newsletter: ⁠https://financial-freedom-for-physicians.ck.page/b4622e816d⁠ Subscribe to our LinkedIn newsletter: https://www.linkedin.com/build-relation/newsletter-follow?entityUrn=6992935013231071233 Thank you to our advertisers on Spotify. Financial Freedom for Physicians, Copyright 2024 --- Support this podcast: https://podcasters.spotify.com/pod/show/christopher-loo/support

What does being rich mean to you? Is it just hitting a number? In this episode we are joined by Gretchen Leslie, President at I Will Teach You To Be Rich, as she shares how she and her team are empowering people to become rich, whatever that means to each individual. Gretchen talks about her hands-on approach to brand storytelling, the challenges of SEO in a volatile market, and the evolution from meticulous content creation to streamlined success.We also discuss: How overcoming apathy by promoting confidence and joy instead of guilt and shame can lead to more successful brands.The importance of finding a balance between financial management and personal fulfillment to become truly rich.How developing brand and style guides enhances efficiency in content production.

In today's podcast episode, Casey talks about the importance of finding our version of health- not the version of health we "think" we should have or be.Some examples include:-How much do YOU need to eat to thrive?-What workouts help you feel challenged but in an energizing, expansive way?-How much time around others do you want and need to feel your best?Similarly, Casey chats about when to recognize when healthy is becoming out of balance, or when healthy is becoming unhealthy.Links:Follow Casey on Instagram:https://www.instagram.com/casey_edward_/"I Will Teach You To Be Rich" book:https://www.amazon.com/dp/1523505745/?bestFormat=true&k=i%20will%20teach%20you%20to%20be%20rich&ref_=nb_sb_ss_w_scx-ent-pd-bk-d_de_k0_1_8&crid=3S9EAIQMRPW4U&sprefix=I%20will%20tCasey's Coaching booking link:https://calendly.com/caseyedward/coaching-sessionSupport the show

#92 Did you know that there's a hidden 1% fee that will ultimately cost you 25% of your investments by the time you retire? Today I'm talking to Ramit Sethi, a renowned money expert, entrepreneur and the author of The New York Times best seller, I Will Teach You To Be Rich. Hear his actionable items on how to use your money and how to invest that you can implement immediately. You might just fire your financial advisor after listening.  If you're ready to learn how to invest, join my free 5-Day Investing Challenge here (starts Monday): https://erika.com/invest Thanks for tuning in and come back every Tuesday for a brand-new episode! Make sure you hit the follow button to get notified. Prefer to listen on the go? Listen wherever you get your podcasts. https://www.erikataughtme.com/follow Prefer video or want closed captions?⁠⁠ Watch this episode on YouTube. https://www.youtube.com/watch?v=Iibvs6ErIrg Did you enjoy the episode?⁠⁠ Please leave us a review here⁠⁠ https://erika.com/review : (just scroll to the bottom and tap on “leave a review”) It really helps the podcast especially since we're just getting started. Even just a sentence is perfect! Follow the podcast @erikataughtme across platforms.  ⁠Connect with me on Instagram.⁠ https://www.instagram.com/erikankullberg For more information, go to⁠ https://erikataughtme.com   Get on my personal finance & investing course priority waitlist here https://erika.com/3D-money  Get my Mastering YouTube course, to learn how to grow a YouTube following and monetize it https://erika.com/mastering-YT  ⁠Get more of my free resources. https://erika.com/all-links

Ramit Sethi is an American personal finance advisor and entrepreneur. He Is also the author of the 2009 New York Times Best Seller, I Will Teach You To Be Rich. Today Ramit joins the show to discuss how we can work towards financial freedom. The differences between renting and buying, and how to invest and save. You can listen to his full-length episode HERE on Spotify and HERE on Apple Podcasts.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this BA throwback, the ladies are joined by Ramit Sethi. Ramit is the host of Netflix's hit show, How to Get Rich, and author of the New York Times bestseller, “I Will Teach You To Be Rich.” Ramit is known for his unconventional insights into money psychology and his no-nonsense approach to designing and living a rich life. The duo talks about home ownership and Ramit shares why it may not be all that it's cut out to be. Ramit also discusses why financial advisors get mad at him and gives us some insight into how his Netflix show came about. Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee omnystudio.com/listener for privacy information.

In this BA throwback, the ladies are joined by Ramit Sethi. Ramit is the host of Netflix's hit show, How to Get Rich, and author of the New York Times bestseller, “I Will Teach You To Be Rich.” Ramit is known for his unconventional insights into money psychology and his no-nonsense approach to designing and living a rich life. The duo talks about home ownership and Ramit shares why it may not be all that it's cut out to be. Ramit also discusses why financial advisors get mad at him and gives us some insight into how his Netflix show came about. Learn more about your ad choices. Visit podcastchoices.com/adchoices

#031: Ever feel like adulting didn't come with a manual? You're not alone! Dive into this episode with Logan as she breaks down those essential life skills that somehow got skipped over in school. From revamping your workout routine to getting savvy with your savings, this isn't just about surviving—it's about thriving!   It's time to stop playing catch-up and start leading the life you deserve! Tune in to transform your approach to adulting and embrace the empowering journey ahead.   ----------------------------   In today's episode, we cover the following topics:   Life Skills Every Adult Should Have (3:52) The Truth About Making Money (7:59) Nutrition Hacks for Non-Chefs (10:59) Is Your Workout Routine Dragging You Down? (14:21) Homemaking Hacks for the 21st Century (18:39) Time is Money: Spend Wisely (20:50) The Secret Codes of Corporate Life (21:24) Why Emotional Intelligence Beats IQ Every Time (26:32)   ----------------------------   Additional links & resources:   I Will Teach You To Be Rich by Ramit Sethi Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! by Robert T. Kiyosaki The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life by JL Collins ClassPass   ----------------------------   Did we miss anything? Send us your questions, we'd love to hear from you:   Submit your questions anonymously

In today's episode, Patrick Donley chats with The FI Couple, Ali and Josh, about their journey to financial independence. Despite starting with significant debt and job struggles, they turned to real estate investing to change their lives. They paid off over $100,000 in debt, built a $1.3 million real estate portfolio, and left their 9-5 jobs. Now, they manage their rental properties and run The FI Couple platform, helping others achieve financial freedom. IN THIS EPISODE, YOU'LL LEARN: 00:00 - Intro 02:42 - How Ali and Josh grew up with very different money mental models and the challenges that provided to them. 18:08 - Why their differences proved to be a benefit. 25:31 - How they worked their way out of over $100,000 of debt. 27:07 - How they began to build their real estate portfolio. 44:25 - What their buy box looks like. 52:10 - How their strategies and beliefs have changed over the years. 55:33 - How they've been using seller financing to build their portfolio. 62:11 - Why it is important to build social capital and a digital resume. 64:35 - How Ali and Josh became The FI Couple. *Disclaimer: Slight timestamp discrepancies may occur due to podcast platform differences. BOOKS AND RESOURCES Join the exclusive TIP Mastermind Community to engage in meaningful stock investing discussions with Kyle and the other community members. Recommended book: I Will Teach You To Be Rich by Ramit Sethi. Recommended book: Total Money Makeover by Dave Ramsey. Recommended book: Set for Life by Scott Trench. Recommended book: Seven Habits of Highly Successful People by Stephen Covey. Related Episode: REI064: Financial Freedom Journey w/ Josh and Ali of the Fi Couple | YouTube video. Check out The FI Couple's free guide to real estate investing and house hacking. Check out the books mentioned in the podcast here. Enjoy ad-free episodes when you subscribe to our Premium Feed. NEW TO THE SHOW? Follow our official social media accounts: X (Twitter) | LinkedIn | Instagram | Facebook | TikTok. Check out our Millennial Investing Starter Packs. Browse through all our episodes (complete with transcripts) here. Try Kyle's favorite tool for picking stock winners and managing our portfolios: TIP Finance. Enjoy exclusive perks from our favorite Apps and Services. Stay up-to-date on financial markets and investing strategies through our daily newsletter, We Study Markets. Learn how to better start, manage, and grow your business with the best business podcasts. SPONSORS Support our free podcast by supporting our sponsors: Toyota Airbnb DeleteMe Yahoo! Finance Fundrise Public NetSuite NerdWallet Connect with Patrick: Twitter   Connect with the FI couple: Website   |  Instagram | Twitter Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://theinvestorspodcastnetwork.supportingcast.fm

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1275: Discover the freedom and financial destiny that comes with being your own boss, as Preston Lee of IWillTeachYouToBeRich.com shares invaluable insights and practical steps. From starting as a side hustle to choosing a low-cost business model, Lee guides you through the journey to self-employment, ensuring you make the leap at just the right time. Read along with the original article(s) here: https://www.iwillteachyoutoberich.com/blog/how-to-be-your-own-boss/ Quotes to ponder: "If you spend a lot of time daydreaming about being your own boss - it can be tempting to just quit your job and 'make it work.'" "A side-hustle will test your dedication to running a business. If you don't have the drive or passion to run a side-hustle, you won't have the passion to run a full-time business." "The only way you'll ever be your own boss is to take action. Even if it's something small - like attracting your first potential clients - it can lead to eventual huge gains." Episode references: "I Will Teach You To Be Rich" by Ramit Sethi: https://www.amazon.com/Will-Teach-You-Be-Rich/dp/0761147489 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1275: Discover the freedom and financial destiny that comes with being your own boss, as Preston Lee of IWillTeachYouToBeRich.com shares invaluable insights and practical steps. From starting as a side hustle to choosing a low-cost business model, Lee guides you through the journey to self-employment, ensuring you make the leap at just the right time. Read along with the original article(s) here: https://www.iwillteachyoutoberich.com/blog/how-to-be-your-own-boss/ Quotes to ponder: "If you spend a lot of time daydreaming about being your own boss - it can be tempting to just quit your job and 'make it work.'" "A side-hustle will test your dedication to running a business. If you don't have the drive or passion to run a side-hustle, you won't have the passion to run a full-time business." "The only way you'll ever be your own boss is to take action. Even if it's something small - like attracting your first potential clients - it can lead to eventual huge gains." Episode references: "I Will Teach You To Be Rich" by Ramit Sethi: https://www.amazon.com/Will-Teach-You-Be-Rich/dp/0761147489 Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 559: Sam Parr (https://twitter.com/theSamParr) talks to Ramit Sethi ( https://twitter.com/ramit ) about why buying a house makes zero financial sense.  Want to see Sam and Shaan's smiling faces? Head to the MFM YouTube Channel and subscribe - http://tinyurl.com/5n7ftsy5 — Show Notes: (0:00) Intro (3:30) Set your rich life intention (7:30) Don't confuse luck with skill (8:00) Sam's journey from owner to renter (11:30) Do the math: Real cost of ownership (15:30) Buy for desire (17:30) Pay in cash for large purchases (19:00) The 10 year rule (24:30) Ramit's list of must-haves (29:00) Sam's dream house (32:00) Sam's war on stuff (39:00) When to overspend (44:00) Millionaires who rent — Links: • Ramit on Twitter - https://twitter.com/ramit • Ramit on YouTube - https://tinyurl.com/m2s8cuyp • I Will Teach You To Be Rich - https://www.iwillteachyoutoberich.com/ — Check Out Shaan's Stuff: Need to hire? You should use the same service Shaan uses to hire developers, designers, & Virtual Assistants → it's called Shepherd (tell ‘em Shaan sent you): https://bit.ly/SupportShepherd — Check Out Sam's Stuff: • Hampton - https://www.joinhampton.com/ • Ideation Bootcamp - https://www.ideationbootcamp.co/ • Copy That - https://copythat.com • Hampton Wealth Survey - https://joinhampton.com/wealth Past guests on My First Million include Rob Dyrdek, Hasan Minhaj, Balaji Srinivasan, Jake Paul, Dr. Andrew Huberman, Gary Vee, Lance Armstrong, Sophia Amoruso, Ariel Helwani, Ramit Sethi, Stanley Druckenmiller, Peter Diamandis, Dharmesh Shah, Brian Halligan, Marc Lore, Jason Calacanis, Andrew Wilkinson, Julian Shapiro, Kat Cole, Codie Sanchez, Nader Al-Naji, Steph Smith, Trung Phan, Nick Huber, Anthony Pompliano, Ben Askren, Ramon Van Meer, Brianne Kimmel, Andrew Gazdecki, Scott Belsky, Moiz Ali, Dan Held, Elaine Zelby, Michael Saylor, Ryan Begelman, Jack Butcher, Reed Duchscher, Tai Lopez, Harley Finkelstein, Alexa von Tobel, Noah Kagan, Nick Bare, Greg Isenberg, James Altucher, Randy Hetrick and more. — Other episodes you might enjoy: • #224 Rob Dyrdek - How Tracking Every Second of His Life Took Rob Drydek from 0 to $405M in Exits • #209 Gary Vaynerchuk - Why NFTS Are the Future • #178 Balaji Srinivasan - Balaji on How to Fix the Media, Cloud Cities & Crypto • #169 - How One Man Started 5, Billion Dollar Companies, Dan Gilbert's Empire, & Talking With Warren Buffett • ​​​​#218 - Why You Should Take a Think Week Like Bill Gates • Dave Portnoy vs The World, Extreme Body Monitoring, The Future of Apparel Retail, "How Much is Anthony Pompliano Worth?", and More • How Mr Beast Got 100M Views in Less Than 4 Days, The $25M Chrome Extension, and More

Today, we're excited to have a conversation with Ramit Sethi, a renowned personal finance advisor and author. Ramit is the author of the New York Times bestseller, "I Will Teach You To Be Rich," and he's here to share his wisdom on designing a rich life.Ramit Sethi is a financial guru who has transformed the lives of millions through his unique approach to personal finance. He's not just about saving pennies; Ramit believes in living a Rich Life, a life where you spend extravagantly on the things you love while cutting costs mercilessly on the things you don't.In this enlightening episode, Ramit delves into the principles and strategies that can help you design a rich life. He discusses the importance of understanding your money psychology and the power of negotiation. He also shares his perspective on why spending extravagantly on the things you love isn't a bad thing, but rather a part of designing a rich life.Don't miss out on this insightful conversation with Ramit Sethi. Tune in now to learn how to design your rich life! You can find the Unmistakable Creative Podcast on all major podcast platforms. Don't forget to subscribe, rate, and review! Subscribe for ad-free interviews and bonus episodes https://plus.acast.com/s/the-unmistakable-creative-podcast. Hosted on Acast. See acast.com/privacy for more information.

One thing no one ever warns you about happy relationships is just how many awkward conversations they can require you to have. And despite all the big ones of politics, religion and family – I find one topic almost no one wants to talk about is money. Who should pay on a date? Should you be honest with your partner how much money (or debt) you have? How do you handle it when one of you earns significantly higher income in a relationship than the other? These are all hugely important, and yet most people bury their heads in the sand and hope these issues will magically work themselves out if you're truly in love (pro tip: they won't). So in this week's video, I sat down with my good friend Ramit Sethi, bestselling author and CEO of "I Will Teach You To Be Rich," to learn exactly how to have these difficult conversations so you can feel happy and secure about money in your relationship. I've never talked about this before, so I can't wait to hear your comments on this one... Appearance by RAMIT SETHI Ramit Sethi iwillteachyoutoberich.com @ramit ►► FREE download: “9 Texts to Get Any Man” → http://www.9texts.com ►► FREE download: “5 Compliments to Get Him Addicted to You” → http://www.SayThisToHim.com

Ramit Sethi is a New York Times bestselling author of I Will Teach You To Be Rich and founder of GrowthLab.com. He studied technology and psychology at Stanford and has helped over a million people live a “Rich Life.”Ramit shares tools and strategies to make the most out of your money no matter how much you make.He argues that you can buy as many lattes as you want and still be financially successful by focusing on the bigger picture.In this episode you will learn,The three biggest questions high earners askAbout the D to C PrincipleThe different “money dials” that people useThe incorrect assumption people make about high earnersThe mistake entrepreneurs often makeFor more information go to www.lewishowes.com/1497For more Greatness text PODCAST to +1 (614) 350-3960Want more financial freedom?Jaspreet Singh on thriving in a recession – https://link.chtbl.com/1411-podGrant Cardone's habits of all millionaires – https://link.chtbl.com/1229-pod