Podcasts about Ramit

Ramit Sethi of I Will Teach You To Be Rich talks to Maria and Andre, a married couple in their 50s navigating a difficult retirement gap. Maria has built nearly $500K in net worth, a strong pension, and a clear path toward retirement. Andre, who moved from Brazil and only recently received his green card, is rebuilding his career in the United States with just $16K saved for retirement. They earn around $187K a year combined, but their financial tension is not really about the numbers. Andre feels ashamed that Maria earns twice what he does, while Maria worries that she will have to carry their future alone. Ramit helps them unpack the pressure Andre feels to be the provider, the cultural beliefs shaping their relationship, and how they can build a retirement plan that gives them more time together not less. In this episode we uncover: • Why Andre feels ashamed that Maria earns twice as much as him • How Andre's recent green card changed his ability to build a career • Why $16K in retirement savings feels so frightening at age 50 • Why Maria's pension could transform their retirement future • Why Andre believes a man should earn more than his wife • How their finances are combined, but still feel separate • Why Andre's business expenses are creating confusion and resentment • The hidden cost of working six days a week • Why Maria wants more time with Andre, not just more money • Why Andre keeps defaulting to “work harder” instead of building a plan • How Ramit reframes retirement from fear into options • Why their future may be much stronger than they realize • The importance of acting like a team rather than competing with each other • How Andre could double his income after getting his HVAC licence • Why their Rich Life includes time in Brazil, leisure, and being present together Chapters: (00:00:00) “What would you do if your partner had no retirement plan?” (00:00:48) Meet Maria and Andre (00:02:12) Andre's career, green card, and starting over (00:03:32) Andre has just $16K saved for retirement (00:04:48) Building their Conscious Spending Plan (00:05:54) Their $496K net worth revealed (00:07:35) “She makes double what I make” (00:10:11) How Maria increased her income as a teacher (00:12:05) Learning to spend consciously (00:14:16) Maria wants Andre to have a retirement plan (00:20:03) Their fixed costs and uneven financial burden (00:25:43) How long their savings would last (00:29:20) The reality of rebuilding your life in a new country (00:39:43) Andre's childhood beliefs about work and money (00:45:17) What if Andre never earns as much as Maria? (00:52:07) Ramit's message to Andre (00:58:33) Rebuilding their Conscious Spending Plan (01:07:15) What their retirement could actually look like (01:11:11) “None of this means Andre has to work until 80” (01:12:09) “It's not a competition. It's a team.” This episode is brought to you by: Superpower | Head over to https://superpower.com and use code RAMIT for $20 off your membership. #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 LMNT | Get a free LMNT Sample Pack with any order at https://drinklmnt.com/RAMIT Gusto | Try Gusto at http://gusto.com/ramit and get 3 months free when you run your first payroll 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 Alexis, 29, and Edwens, 30, a married couple with a 10-month-old baby and two completely different ideas of what money should look like in a marriage. Edwens immigrated from the Dominican Republic less than two years ago, and personal finance is still new to him. Alexis has been trying to teach him, manage the bills, build the budget, and create a future for their family. And yet, their biggest fight keeps coming back to one question: Why won't Edwens open a joint bank account? But the account is only part of the story. What Ramit uncovers is a marriage where Alexis wants partnership, transparency, and a shared family system, while Edwens is still holding on to independence, privacy, and the idea that giving her $1,000 a month should be enough. Alexis feels like she has become the household manager, the bill payer, and eventually more like his mother than his wife. Edwens feels criticized and controlled, especially around credit cards and spending. Underneath all of it are cultural differences, childhood money patterns, and a couple with a baby who are still trying to turn two separate money lives into one shared future. In this episode we uncover: Why a joint bank account becomes the breaking point in their marriage What Alexis means when she says Edwens still acts like a single man Why Edwens sees separate money as independence, not betrayal The $1,000 arrangement that leaves Alexis managing everything alone How cultural differences shape their money rules Why Edwens struggles to understand credit cards and debt The moment Ramit almost ends the session Why Alexis feels like she has become Edwens's mother, not his wife How childhood money patterns are showing up in their marriage Why their cheap rent is a financial gift they are not fully using The moment they finally start building a shared money system Chapters: (00:00:00) “He still operates like a single man” (00:01:58) The joint bank account fight (00:07:19) “I don't want to be married without a joint account” (00:12:19) She wants partnership. He hears control. (00:18:05) The credit card argument (00:25:50) Why does he listen to Ramit, but not his wife? (00:30:56) Ramit almost ends the session (00:35:31) Their real income changes the conversation (00:45:20) The bills, the $1,000, and who actually manages the money (00:55:04) Repeating their parents' money fights (01:02:25) Building a new money culture as a couple (01:07:13) Alexis has been carrying the household alone (01:15:20) “I feel like his mom, not his wife” (01:21:52) Breaking the generational money pattern (01:27:54) Why therapy needs to happen before it's too late (01:32:33) Rebuilding their Conscious Spending Plan (01:43:16) From separate money to real partnership (01:48:02) Follow-up 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 Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit Gelt | Gelt is taking on new clients now. Find out if you qualify at https://joingelt.com/ramit. 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 Single in LA? Apply now to star in my new reality series about love and money at https://iwt.com/datingshow 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 Melissa and Taryn, a married couple in their 40s living in Los Angeles with five children. They have a net worth of over $700K, nearly half a million invested, and a successful business, but their finances are on the edge. After Taryn took a $75K pay cut and was later laid off from Netflix, they continued building a $200K pool, took on a $100K family loan, and now face fixed costs of 179%. Ramit helps them confront the brutal math behind their situation, the emotional reasons they keep avoiding it, and the radical changes they may need to make before they run out of money. In this episode we uncover: • Why Melissa and Taryn built a $200K pool after a major pay cut • How Taryn's Netflix layoff changed everything • Why their fixed costs hit a shocking 179% • The real cost of their $100K family loan • Why “everything goes on a credit card” became normal • How they ended up with $1.2M in debt • Why selling the house may not solve the problem • The hidden danger of renting another expensive home • Why Melissa's successful business still may not be enough • How grief and loss shaped their relationship with travel and money • Why Taryn feels like she just “makes the money” • The emotional power dynamic behind their spending decisions • Why small cuts like subscriptions won't fix a structural problem • Ramit's warning that they may be setting themselves up to struggle again • The uncomfortable reality of moving out of Los Angeles • Why their marriage needs a mission, not just a budget • How their kids are already affected by their money choices • Ramit's advice for making radical change before the clock runs out ⏩ CHAPTERS (00:00:00) “I just want the debt gone” (00:01:23) Meet Melissa and Taryn (00:02:40) Taryn's Netflix layoff (00:04:18) Buying the house after a $75K pay cut (00:05:39) The real cost of the pool (00:07:48) Taking a $100K family loan (00:10:50) Why the debt cycle keeps repeating (00:15:25) Taryn's role as the “money maker” (00:18:03) Their income no longer matches their life (00:20:03) Ramit reveals their 179% fixed costs (00:21:20) Why selling the house isn't enough (00:22:51) The rent math gets even worse (00:26:46) The clock is ticking (00:31:25) Could they move to South Carolina? (00:41:24) The power dynamic in their marriage (00:57:16) Defining their Rich Life (01:02:18) What happens after selling the house? (01:15:28) Ramit confronts the decision they're avoiding (01:28:48) Talking to their kids about money (01:36:58) Final thoughts and next steps This episode is brought to you by: Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 20% off ZocDoc | Go to https://zocdoc.com/ramit to find and instantly book a top-rated doctor today #sponsored Wispr Flow | Try Wispr Flow for free at wisprflow.ai/ramit Leesa | Go to https://leesa.com for 25% off mattresses PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners 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 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

01 - Slow Motion! feat Hot Light - Dynamite (Jackwell & Szecsei Intro Version) 02 - G & G - Personal Jesus (Jackwell & Szecsei Remix) 03 - Lee Cabrera & Thomas Gold - Shake It (Move A Little Closer) (Jackwell Remix) 04 - Jamie Woon - Shoulda (Purebeat Special After Remix) 05 - Lissat & Voltaxx - Sunglasses At Night (Jackwell Remix) 06 - Saby Davis - Return Of The Saw (Jackwell Remix) 07 - Offer Nissim feat Maya - First Time (Jackwell & Field Bootleg) 08 - Run DMC vs Jason Nevins - It's Like That (Raxon vs B-Sensual Mix) 09 - FISHER - Losing It (Eryk Gee Edit) 10 - Radio Slave feat Danton Eeprom - Grindhouse (Johnes & Szecsei 2016 Edit) 11 - Karen Harding - Say Something (Purebeat Special After Edit) 12 - Martin Books - Liquid (Jackwell Szecsei Edit) 13 - Gala - Freed from Desire (Orkestrated Re-Rub) 14 - Eminem x Inndrive - Without Me (Jackwell Edit) 15 - Diplo feat SIDEPIECE - On My Mind (Jackwell Bootleg) 16 - Nooran Sisters - Patakha Guddi (Jackwell Bootleg) 17 - Shouse - Won't Forget You (Jackwell Bootleg 2.0) 18 - Weska & Kyra Mastro - Nowhere To Hide (Extended Mix) 19 - Creeds - Push Up (Jackwell Bootleg) 20 - Jennifer Lopez - Jenny From The Block (Jackwell Bootleg) 21 - INNDRIVE & TAZI vs 50 Cent - Shake It Disco Inferno (The Fallen King Edit) 22 - Prodigy X TAZI - Loko No Good (Szecsei Edit) 23 - A-Studio feat Polina - S.O.S. 2024 (B-Sensual Mix) 24 - Sarah McLeod - He Doesn't Love You (B-Sensual Bootleg) 25 - Jackwell & Szecsei feat GoldSound - Álomszép (Unreleased) 26 - Ramit x Purebeat - Billie Jean 2025 (Original Mix) 27 - Andrewboy & Szecsei feat Kinga Peterfy - Kiskece 2016 (Strong R. Remix)

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

Playlist: TT, 2crimes, Djamma - LE GIRLZ - (2crimes $ Djamma remix)Bob Sinclair, ANDYRAVE - Rock This Party (ANDYRAVE VIP Edit Mix)Daft Punk, Sterbinszky, MYNEA - One More Time (Sterbinszky x MYNEA Club Remix)Eva Simons, Eddie G, Malyx - Policeman (Eddie G & Malyx Extended Remix)Fedde Le Grand, Ida Corr, Sterbinszky, MYNEA - Let Me Think About It (Sterbinszky x MYNEA Club Remix)Jen Payne, Lily Tix - Turn It Up (Extended Mix)Jerome Robins - Ride Or DieXCITI - KarenMC Lyte, NickySnax - Paper Thin (NickySnax rework)Busta Rhymes, Kwal - Touch It (Kwal Remix)Michael Jackson, SEZMAS - Billie Jean (SEZMAS Remix)Curbi - Curbi - 9TS (JACK)Diana Ross, Tim Croft - Upside Down (Tim Croft Edit)DMX, Denero - Where The Hood At (Denero Remix)Fred Dope - Fred Dope - All I Wanna (Extended Mix)Ishimaru - La TransiciónKelly Rowland, Ciro Picone - Work (Ciro Picone Remix)Kevin De Vries, Quas - Dance With Me (Quas Remix)Panjabi MC, Ramit - Mundian to bach (Ramit remix)partywithray - Way DownSister Sledge , Father And Son - The Greatest Dancer (Father And Son Remix)REMYDEE - Touch My HipsTwolate, Les Castizos - Bulla (Extended Mix)Tyla, Jen payne - WATER (Jen payne Edit)N2N, Golf Clap, AMY MIYÚ, Kevin McKay - Hot Steppin' (Kevin McKay Extended Edit)Loofy, Anyma, Layton Giordani - Last Night (Anyma x Layton Giordani Extended Remix)Warren Hudson, DBLG - Chillin Wid Da Homies (Original Mix)Fatboy Slim, Evalution - Praise You (Evalution Remix)Nitti, Levity - Like This (Extended Mix)Disco Lines, AVELLO - NO BROKE BOYS (AVELLO REMIX)bhad bhabie, phrva flip - hi bich (phrva flip)Cutty Ranks, Juni & Dokku - LIMB BY LIMB (Juni & Dokku Remix)La Bouche, Inari - Be My Lover (Inari Flip)Alice Deejay, Lymph Project - Better Off Alone (Lymph Project Remix)

Playlist: TT, 2crimes, Djamma - LE GIRLZ - (2crimes $ Djamma remix)Bob Sinclair, ANDYRAVE - Rock This Party (ANDYRAVE VIP Edit Mix)Daft Punk, Sterbinszky, MYNEA - One More Time (Sterbinszky x MYNEA Club Remix)Eva Simons, Eddie G, Malyx - Policeman (Eddie G & Malyx Extended Remix)Fedde Le Grand, Ida Corr, Sterbinszky, MYNEA - Let Me Think About It (Sterbinszky x MYNEA Club Remix)Jen Payne, Lily Tix - Turn It Up (Extended Mix)Jerome Robins - Ride Or DieXCITI - KarenMC Lyte, NickySnax - Paper Thin (NickySnax rework)Busta Rhymes, Kwal - Touch It (Kwal Remix)Michael Jackson, SEZMAS - Billie Jean (SEZMAS Remix)Curbi - Curbi - 9TS (JACK)Diana Ross, Tim Croft - Upside Down (Tim Croft Edit)DMX, Denero - Where The Hood At (Denero Remix)Fred Dope - Fred Dope - All I Wanna (Extended Mix)Ishimaru - La TransiciónKelly Rowland, Ciro Picone - Work (Ciro Picone Remix)Kevin De Vries, Quas - Dance With Me (Quas Remix)Panjabi MC, Ramit - Mundian to bach (Ramit remix)partywithray - Way DownSister Sledge , Father And Son - The Greatest Dancer (Father And Son Remix)REMYDEE - Touch My HipsTwolate, Les Castizos - Bulla (Extended Mix)Tyla, Jen payne - WATER (Jen payne Edit)N2N, Golf Clap, AMY MIYÚ, Kevin McKay - Hot Steppin' (Kevin McKay Extended Edit)Loofy, Anyma, Layton Giordani - Last Night (Anyma x Layton Giordani Extended Remix)Warren Hudson, DBLG - Chillin Wid Da Homies (Original Mix)Fatboy Slim, Evalution - Praise You (Evalution Remix)Nitti, Levity - Like This (Extended Mix)Disco Lines, AVELLO - NO BROKE BOYS (AVELLO REMIX)bhad bhabie, phrva flip - hi bich (phrva flip)Cutty Ranks, Juni & Dokku - LIMB BY LIMB (Juni & Dokku Remix)La Bouche, Inari - Be My Lover (Inari Flip)Alice Deejay, Lymph Project - Better Off Alone (Lymph Project Remix)

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

You've been told a hundred times that if you're not starting a business, you're falling behind. And yet the idea of ditching your paycheck for “the hustle” can feel equal parts exciting and terrifying. If you're stuck in that spiral of “Should I build something or stay put?” this episode is going to feel uncomfortably relatable in the best way. Omar meets up with Ramit Sethi in Tokyo for an in-person interview, and it feels extra special because it's not just a random sit-down. Omar's been following Ramit's work since the early blog days, so there's real history and curiosity behind the questions. Together they get into when starting a business actually fits your personality and goals, and when the smarter move is building wealth through your career and long-term investing. You'll also hear how both of them think about a “rich life” in a way that's way more real than the usual internet noise. If you're ready to stop guessing and start thinking like someone who's serious about building a richer life, click play at the top of the page and hear what really separates “starting a business” from building real wealth your way. MBA2776 Ramit Sethi - Is Starting A Business Really The Best Way To Get Rich? Resources: Podcast: Money for Couples Book: Money for Couples by Ramit Sethi Netflix Series: How to Get Rich Book Review: I Will Teach You to Be Rich by Ramit Sethi Recommended episodes to explore: Ramit Sethi – Navigating Money & Relationships Ramit Sethi – How To Start Your Own Thing Ramit Sethi – Creating Your Rich Life Watch the episodes on YouTube: https://lm.fm/GgRPPHi SUBSCRIBE YouTube | Apple Podcast | Spotify | Podcast Feed Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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 

Money conversations can feel loaded… emotional… sometimes even explosive.And for most couples, money only gets talked about when something goes wrong.In this episode, I'm sharing a powerful conversation with Ramit Sethi, author of I Will Teach You to Be Rich, about how the language we use around money shapes our relationships.Instead of asking reactive questions like “Why did you spend that?” or “How are we going to pay this off?,” Ramit challenges couples to focus on the bigger picture: the life they actually want to build together.He introduces the idea of a “Rich Life Review”—a simple monthly conversation where you and your partner look at key numbers, celebrate wins, and talk about your goals.Because the real problem isn't the $20 purchases couples argue about…It's that we rarely ask the $30,000 questions that shape our future.If you've ever felt awkward or stuck talking about money with your partner, this episode will give you a framework to start healthier, more productive conversations—and design a life you're truly excited to live.Click play to hear all of this and:[00:00] Why most couples only talk about money when there's a problem[02:00] How the language we use about money shapes our relationships[03:45] Why Ramit believes most couples argue about the wrong financial issues[05:00] The difference between $3 questions and $30,000 life questions[06:20] What a “Rich Life Review” is (and why it replaces budgeting meetings)[07:30] The simple framework for a monthly money conversation with your partner[09:00] The four key financial numbers every couple should track[10:30] How focusing on big-picture goals transforms money conversations

Molly and Jason are 45 and 46, living together with a 2-year-old daughter. They earn $142,000 a year combined. They have $0 in savings, $46,000 in debt, and a net worth of just $4,842. They dream of buying a house, investing in real estate, and retiring early. But when Ramit opens their Conscious Spending Plan, the picture is stark. Fixed costs at 77%. No savings rate. $25,000 in credit card debt in Molly's name that Jason can't fully account for. And a financial system built entirely on Venmo transfers, separate accounts, and crossed fingers. What Ramit finds underneath the numbers is a relationship where one person is managing everything alone, and the other has quietly checked out. Molly researches, opens accounts, tracks the bills, and covers the overdrafts. Jason works, pays rent, and sends Venmo transfers when asked. Neither of them planned financially before having a baby. Neither of them has seen what a real financial partnership looks like. But something shifts. When Ramit shows them that working together they could reach $1.75 million by retirement, something clicks. They stop explaining why things are the way they are and start talking about what they are going to do. In this episode we uncover: Why two people earning $142,000 a year can have $0 in savings and $46,000 in debt The Venmo money transfer system that has kept them financially disconnected for years What it looks like when one partner manages everything alone while the other disengages How $4,000 in annual subscriptions disappears when nobody is looking at the full picture Why dreaming about real estate investing is the wrong move when your own finances are on fire The moment Jason admits he feels resentful and apathetic about money The plan to sell the truck, wipe the credit card debt, and combine finances for the first time What Ramit means when he says the biggest savings anyone can make is on housing costs The follow-up update from Molly and Jason Chapters: (00:00:00) "We wanna be rich. We have $0 in savings" (00:03:01) Meet Molly and Jason (00:10:00) How often do you talk about money? (00:14:00) Jason completely disengaged (00:19:00) No decisions are ever made (00:30:00) Dreamers who won't save $250 a month (00:34:11) Opening the Conscious Spending Plan (00:40:15) Fixed costs at 77% (00:46:50) Separate accounts, Venmo transfers, no shared vision (00:59:20) "Resentful. And apathetic." (01:03:00) Money psychology and upbringings (01:17:46) "You're gonna sell a truck and pay off debt" (01:41:13) Follow-ups This episode is brought to you by: Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist 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 20% off select mattresses PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners 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 MasterClass | For unlimited access to every class and an additional 15% off any 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 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

Liza and Bradford earn $120,000 a year as expats in Colombia, South America. They have three kids, $273,000 in net worth, and by the standards of expat life, they live well. But they have $1,500 in savings, no savings rate, and a line of credit they treat like a rainy day fund. And for five years, Liza has been pushing to move back to Canada almost every single day. When Ramit opens their Conscious Spending Plan, the income isn't the issue. Investments are protected at all costs. Savings are non-existent. And the same debt cycle they've been running for years keeps getting treated like a victory every time they pay it off. If nothing changes, moving back to Canada, the thing Liza wants most, will never actually be an option. They can't afford the flights, the furniture, or the fresh start. But this episode goes deeper than the numbers. What Ramit finds is a dynamic that has been quietly running their marriage for years. Bradford takes on every financial burden alone, and every time he does, Liza is left feeling like she has no purpose and no reason to contribute. After years of this, both of them are stuck in roles that aren't working.   In this episode we uncover: •  The expat "money hack" that turned into a trap, and why Liza hasn't been able to find traction in Colombia •  Why doubling Liza's income in Canada wouldn't actually improve their financial position •  The taxi fleet that lost between $60,000 and $100,000, and the pattern it revealed •  How Bradford's "I'll handle it" efficiency has been disempowering his wife for years •  Why Liza ties her self-worth to what companies are willing to pay her •  The debt cycle they've been treating as a win, and why Ramit sees it differently •  What a shared financial vision actually looks like for this couple •  The follow-up update from Liza and Bradford   Chapters: (00:00) Cold open: Can we afford to leave? (01:08) Episode intro + financial breakdown (02:31) Meet Liza and Bradford (05:07) The “money hack” that became a trap (09:30) Five years of the same argument (25:00) The debt cycle begins (32:30) Opening the Conscious Spending Plan (38:00) How much can Liza actually earn? (41:39) The line of credit problem (45:52) Breaking down their system (01:30:00) The pattern hurting both of them (01:33:30) What do you each need? (01:47:00) Follow-up This episode is brought to you by: 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). 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 Netsuite | Get the free guide “Demystifying AI” at https://netsuite.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 • 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 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 

Most people never find out when they'll have $100,000. Not because it's impossible, but because they never actually run the numbers. In this bonus episode, Ramit walks through the full picture: the compound interest math that most people ignore, the six-step system he recommends for getting to $100K, and the calculator that shows you the exact date it's going to happen for you. He also covers the four mistakes he sees people make over and over, including one that affects people who are otherwise doing everything right. No couple on the couch. No Conscious Spending Plan breakdown. Just the map. Why a higher salary alone won't fix your relationship with money The compound interest curve and the moment in year 19 where everything changes The calculator that gives you your personal $100K date The CEO system: What it means to cut, earn, and optimize, and how to do it without obsessing over every dollar Why automation beats trying every single time The six steps to $100K and why you can't skip ahead The 1% December rule, one small change per year that compounds into hundreds of thousands Four traps that quietly derail people: get rich quick thinking, toxic frugality, "I missed my chance," and the optimization spiral Q&A: debt vs investing, handling irregular income, moving a Roth IRA out of Primerica, and how FIRE actually works ⏩ CHAPTERS (00:00:00) Introduction: your money map to $100K (00:01:24) The big delusion: "If I just earned more, I'd be rich" (00:06:04) What $100K actually means and why it matters (00:07:13) The compound interest math most people never look at (00:15:12) Finding your exact date: the $100K calculator live (00:19:57) The six steps and why sequence matters (00:20:22) Step 1: Kill high-interest debt (00:22:28) Step 2: The CEO system: cut, earn, and optimize (00:29:50) Step 3: Build your financial moat (00:33:13) Step 4: Where real wealth is actually created (00:34:25) Step 5: Build the right environment (00:38:34) Step 6: Play offense and delete your budgeting app (00:41:22) Four traps that quietly destroy your momentum (00:45:29) Q&A: debt vs investing, irregular income, Roth IRA transfers, and FIRE Get my new book, Money For Couples: https://iwt.com/moneyforcouples Get Money Coaching with Ramit: https://iwt.com/moneycoaching Download the Conscious Spending Plan: https://iwt.com/csp Listen to my book now on Audible: https://amzn.to/48zko28 Get my New York Times best-selling book: https://iwt.com/book Get my no-numbers journal: https://iwt.com/journal Other episodes: https://iwt.com/podcast Instagram: https://www.instagram.com/ramit/ Twitter: https://twitter.com/ramit YouTube: https://youtube.com/user/ramitsethi/featured/ 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 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

Episode Description:This archival conversation with Ramit Sethi is a masterclass in systems thinking, behavioral psychology, and building a “rich life” on your own terms.Long before online courses were mainstream, Ramit was quietly building scalable systems—automating money, testing business ideas rigorously, and rejecting conventional wisdom around careers, housing, and passion. In this conversation, he explains why most advice fails, why willpower is overrated, and how to engineer results instead of hoping for inspiration.They cover negotiation psychology, competence triggers, breaking into dream jobs without HR, why buying a house isn't always the best investment, and how to build a real online business—from research to first sale.This episode still holds up because it's not about hacks. It's about structure. Systems. Leverage. And testing instead of guessing.What You'll Learn:Why analyzing your own behavior (even on video) is one of the fastest ways to improveThe concept of “competence triggers” and how to use them in interviews and negotiationsWhy most financial advice (like skipping lattes) focuses on the wrong problemsHow to negotiate salary without anchoring yourself to your current payThe step-by-step system for building an online business—from research to first saleTimestamped Chapters:[00:02:00] Human Behavior, Willpower & Cognitive Misers[00:03:00] Ramit's Origin Story: Scholarships, Interviews & Self-Analysis[00:06:00] The Power of Videotaping Yourself[00:08:00] Losing Money & Discovering Personal Finance Psychology[00:09:00] Why Latte Advice Doesn't Work[00:11:00] Automating Money & Designing a Rich Life[00:14:00] The Housing Myth & Financial “Great Lies”[00:18:00] How to Land a Dream Job (Without HR)[00:20:00] Negotiation Tactics & Avoiding Salary Anchors[00:28:00] Competence Triggers & Social Signaling[00:34:00] Why Courses Beat Books (For Results)[00:38:00] Zero to Launch: Why Most Passive Income Advice Is Wrong[00:41:00] Research Before Building: Finding Profitable Ideas[00:44:00] Writing Headlines That Sell[00:49:00] Traffic Strategy: Guest Posting & Email Lists[00:52:00] Case Study: Turning Tutoring into $200KAdditional Resources:Ramit Sethi's WebsiteI Will Teach You to Be Rich - The BookSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 is a personal finance expert and bestselling author who's helped millions build a “Rich Life”. In this Moment, Ramit shares the money truths couples avoid, the biggest conversation most people won't have, and why financial stress in relationships is rarely about the bank balance - it's about psychology, expectations, and trust. Listen to the full episode here! Spotify: https://g2ul0.app.link/oauqs52HTZb Apple: https://g2ul0.app.link/m5eOYF6HTZb Watch the Episodes On YouTube: ⁠⁠https://www.youtube.com/c/%20TheDiaryOfACEO/videos Ramit Sethi: https://www.iwillteachyoutoberich.com/

3pm: I Was Thinking: Be Kind, Be Strong, Be Funny When you Can // This Day In History: 1982 - Singer Ozzy Osbourne bites the head off a bat on stage // The 1986 LA Rams release a single “Let’s Ram It”... it flopped // While the Chicago Bears song, “Super Bowl Shuffle” reached 41 on the Hot 100 the prior year 

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

Growing up in a frugal immigrant household, Ramit Sethi developed a scarcity-driven mindset and deep anxiety around money. After losing an investment in the stock market and studying both finance and psychology, he realized that most traditional financial advice ignores human behavior. Determined to break free from scarcity thinking, he rebuilt his relationship with money and began using it as a tool to design his own “rich life.” In this episode, Ramit shares how to rewire your money mindset, build wealth, and live a rich life. In this episode, Hala and Ramit will discuss: (00:00) Introduction (02:19) His Background and Early Money Lessons (09:39) Starting a Finance Blog in College (15:25) What a “Rich Life” Really Means (19:55) Money Psychology and Invisible Scripts (24:33) Money Communication in Relationships (29:27) The Conscious Spending Plan Framework (42:08) Money Dials: Spending on What You Love (48:29) Building Wealth and Finding Your Dream Job (56:04) Saving Smarter and Earning More Ramit Sethi is a New York Times bestselling author of I Will Teach You to Be Rich and the host of Netflix's How to Get Rich. He has spent over 20 years teaching millions how to master personal finance, investing, and conscious spending. Ramit also hosts a finance podcast, Money for Couples, where he breaks down real-life money decisions through psychology-based frameworks. His work focuses on helping people design rich lives on their own terms. Sponsored By: Indeed - Get a $75 sponsored job credit to boost your job's visibility at Indeed.com/PROFITING  Shopify - Start your $1/month trial at Shopify.com/profiting.  Spectrum Business - Visit Spectrum.com/FreeForLife to learn how you can get Business Internet Free Forever. Northwest Registered Agent - Build your brand and get your complete business identity in just 10 clicks and 10 minutes at northwestregisteredagent.com/paidyap Framer - Publish beautiful and production-ready websites. Go to Framer.com/profiting and get 30% off their Framer Pro annual plan. Intuit QuickBooks - Start the new year strong and take control of your cash flow at QuickBooks.com/money  Quo - Run your business communications the smart way. Try Quo for free, plus get 20% off your first 6 months when you go to quo.com/profiting   Working Genius - Take the Working Genius assessment and discover your natural gifts and thrive at work. Go to workinggenius.com and get 20% off with code PROFITING Resources Mentioned: Ramit's Book, I Will Teach You to Be Rich: bit.ly/IWTYTBR  Ramit's Podcast, Money for Couples: bit.ly/MFC-apple  Ramit's Show, How to Get Rich: iwt.com/netflix  Ramit's Website: iwillteachyoutoberich.com  Ramit's Instagram: instagram.com/ramit Ramit's LinkedIn: linkedin.com/in/ramitsethi Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap YouTube - youtube.com/c/YoungandProfiting Newsletter - youngandprofiting.co/newsletter  LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, Scalability, Risk Management, Financial Planning, Business Coaching

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 

Two couples take the stage with a shared question—but very different financial realities: When is “enough” actually enough to move forward? Finn and Luna built a successful pet-sitting business and now sit on hundreds of thousands of dollars—but with no clear plan for investing, homeownership, or the future. Meanwhile, Monica and Antonio earn a strong income, are completely debt-free, and yet feel paralyzed by fear as they juggle parenting, aging parents, and the possibility of purchasing a larger home. In this live episode, Ramit digs into the tension between optimism and realism, abundance and anxiety. Together, they confront inherited money stories, decision paralysis, and what it really takes to turn income into confidence—so money stops being the thing that holds them back. In this episode we uncover: • Why having “hundreds of thousands of dollars” can still feel like total financial chaos without a system • The emotional whiplash of going from paycheck-to-paycheck to sudden abundance • How Finn and Luna's optimism vs. realism split shows up in every conversation about housing, investing, and location • Why crypto success without understanding risk creates false confidence • The real reason Luna pulled money out of investments and parked it in cash • How not knowing basic investing terms keeps progress stalled • Finn's fear that California homeownership is a ticking time bomb • Monica and Antonio's decision paralysis despite high income and zero debt • How generational trauma, bankruptcies, and lost homes shaped Monica's daily money anxiety • Why Antonio believes earning more is the solution • The financial and emotional toll of supporting aging parents while raising young children • The hidden cost of being “responsible for everyone” and never prioritizing your own future • The shift from reacting emotionally to money toward making deliberate, shared financial decisions • What changes when money stops being mysterious Chapters: (00:00:00) “I'm a dreamer”—and he just wants a real plan (00:25:32) What happens when the optimizer stops optimizing at home? (00:33:01) “They gave up everything for us” (00:46:33) “We make great money—but it doesn't feel like enough” (00:57:52) “I set the bar so high I can never win” (01:04:37) Where are they now? Both couples' follow-ups This episode is brought to you by: Bilt | Join the loyalty program for renters at https://joinbilt.com/ramit 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 Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist LMNT | Get a free 8-count Sample Pack with any LMNT order at https://drinklmnt.com/RAMIT Masterclass | Get up to 50% off Masterclass during the holiday season at https://masterclass.com/ramit Links mentioned in this episode • If you want help with your finances, join my Money Coaching program at https://iwt.com/moneycoaching 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.

Cheryl (67) and Michael (69) have built rich, full lives: multiple careers, reinventions, and nearly 12 years of marriage. Yet when it comes to money, they feel stuck. They earn about $120,000 a year, have roughly $600,000 saved, and regularly book $10,000–$15,000 vacations focused on travel, family, and experiences. Then, almost immediately, panic sets in. With mostly separate finances, lingering trust issues from past decisions, and no clear retirement plan, they're embarrassed to admit that they don't actually know when (or if) they can retire. Cheryl wants clarity and confidence about the future, while Michael wrestles with fear, guilt, and uncertainty around spending and security. Can Ramit help them stop oscillating between YOLO travel and financial anxiety, and finally create a plan that lets them enjoy life without fear? In this episode we uncover: • Why Cheryl and Michael can easily book $10K–$15K vacations, then immediately panic • How a “dream trip” exposes deeper confusion about what money they actually have access to • How Michael losing $12,000 from an inheritance investment triggered feelings of betrayal • Cheryl's cancer survival and how living with mortality reshaped her urgency to travel, spend, and fully live now • Michael's discomfort with seeing money as “real” unless it's physically accessible • Why keeping finances mostly separate makes it nearly impossible to feel confident about retirement • The emotional weight of being the higher earner • How early family money stories still shape Michael's decisions today • Cheryl's journey from Wall Street wealth to purpose-driven work • Why spending in retirement feels scarier than earning ever did • How “YOLO travel” and hyper-frugality coexist • What their Conscious Spending Plan reveals about low fixed costs, high freedom, and misplaced fear • Why having a financial advisor still didn't give them clarity or peace of mind Chapters: (00:00:00) “I'm just doing this for Cheryl” (00:23:13) Ramit breaks down their numbers (00:45:23) “If we're not on the same page, it'll be an ugly retirement” (01:08:29) “Am I worth it now—or am I still that kid asking permission?” (01:10:01) “We never talked about money when we met” (01:23:10) “If we retire now… will it feel like freedom—or fear?” (01:36:38) Where are they now? Cheryl and Michael's follow-ups 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 Leesa | Go to https://leesa.com for 20% off mattresses PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners Factor | Get 50% off plus free shipping on your first box at https://factormeals.com/ramit50OFF with code RAMIT50OFF 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 https://facet.com/ramit to learn more about which membership option is best for you. Offer expires December 31, 2025. 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 Links mentioned in this episode • If you want help with your finances, join my Money Coaching program at https://iwt.com/moneycoaching 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.

Today, we're revisiting one of our favorite Money For Couples episodes of the year. Update: Romy and Travis recently shared an update on YouTube about where they are now. You can watch it here.  Romy and Travis's story struck a chord with listeners because it shows what really happens when a couple is earning good money…but operating with completely different expectations, habits, and fears around money. This episode is a perfect example of how old patterns can quietly shape a relationship—and what it takes to break them. If you missed it the first time, or want a refresher, this is one of the most revealing conversations of the year. In this episode: • Why Travis believes he can always “go fishing” to make money • How their childhoods shaped their attitudes toward money • The emotional weight Romy carries as the only planner • The story behind Romy's secret UK savings • Their unclear approach to buying property • How disorganized thinking affects everything from taxes to tipping • The risks of having no real emergency fund • Why Travis's role as the “reassurer” holds them back • How Ramit helps them redefine generosity • The first steps toward rebuilding trust Chapters: 00:00 — “I tapped my card and it said insufficient funds” 09:23 — “I'm living the same financial life as my parents” 18:13 — Breaking down their numbers 38:14 — The weight of taking on the “man's” role 52:48 — “I've been poor before—I'll be poor again” 1:02:08 — Living on hope, not numbers 1:12:05 — “We're doing this together” 1:28:56 — Where are they now? Romy & Travis 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.

Jamie (45) and Ryan (36) have been married for nearly a decade and share three kids, but their financial foundation was shaken when Ryan quit his high-paying finance job and cashed out his 401(k) without telling Jamie. Now earning far less, they're still spending like nothing changed, running up credit card debt and ending each month wondering where the money went. Jamie, the higher earner, is anxious about retirement and trust after years of financial surprises, while Ryan avoids money conversations and struggles with insecurity. Layered on top are a 10-year age gap, deep past trauma, and very different visions of a Rich Life. Can Ramit help them rebuild trust, create a real plan, and finally start acting like partners instead of adversaries? In this episode we uncover: • The moment Jamie learned Ryan quit his high-paying job and cashed out his 401(k) • How Ryan's breaking point at work led to a “nuclear option” decision that shifted stress from the office straight into their marriage Why earning nearly $300K still leaves them feeling broke • The trust fallout from repeated unilateral decisions, including quitting jobs, cashing out retirement accounts, and impulsive purchases • How Ryan's spending on shoes, clothes, and even a classic car mirrors patterns he watched growing up • Jamie's role as the default financial manager • The vacation-vs-things blame cycle that keeps them stuck spending instead of saving • Why hiding money in a separate savings account felt like the only way Jamie could protect their future • The uncomfortable truth behind their $13K emergency fund • How calling their own spending “stupid” and “dumb” keeps them trapped in shame instead of change • The emotional toll of living in constant financial vigilance while still spending freely on convenience and comfort • How a failed $500 spending rule exposed their lack of shared systems • The powerful influence of Midwestern money guilt, family secrecy, and conflicting childhood money messages • Jamie's past divorce and financial trauma • The shift from adversaries to collaborators Chapters: (00:00:00) “We'll just go our separate ways” (00:18:56) Ramit breaks down their numbers (00:40:49) “Smart people can make stupid choices” (00:52:26) “Can we become a team again?” (01:02:09) “Is this a Rich Life—or just a really long to-do list?” (01:14:36) “You've turned dysfunction into permission” (01:28:57) “I'm bitter that I have to pay it off” (01:39:21) Where are they now? Jamie and Ryan's follow-ups This episode is brought to you by: Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 10% off plus free shipping. Aura Frames | Use promo code RAMIT to get $35 off the best-selling Carver Mat frames at https://auraframes.com DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off Rocket Money | Cancel unwanted subscriptions and reach your financial goals faster at https://rocketmoney.com/ramit Links mentioned in this episode • If you want help with your finances, join my Money Coaching program at https://iwt.com/moneycoaching 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.

Ado (33) and Gabby (32) are exhausted by a cycle they can't seem to escape: getting into credit card debt, paying it off, and then ending up right back where they started. Now, with $44,000 in credit card balances, student loans on both sides, and an $1,800 monthly daycare bill, they feel one setback away from losing everything. Ado's avoidant, live-in-the-moment approach clashes with Gabby's desire for structure and long-term security. Both come from financially chaotic childhoods, and those old patterns are replaying in their marriage. They dream of moving to Europe and building stability for their young daughter—but can they break the cycle that's defined their entire relationship? This episode asks: What will it take for them to finally stop the spiral and create a plan that lasts? In this episode we uncover: • Why Ado and Gabby keep finding themselves back in credit card debt • How their “dance” of overspending, working extra, and then trying to catch up has cost them thousands • The emotional toll on Gabby as she tries to break a cycle that feels unsustainable • Why Ramit pushes them to examine their spending through the lens of their daughter watching and learning their habits • Taking apart their monthly budget line by line • The $170 date nights, lattes, Costco trips, and Target runs that add up • Gabby's realization that overspending isn't just about Ado • Ado's upbringing as a Bosnian refugee, and how frugality, scarcity, and parental sacrifice shaped his desire to enjoy life • How childhood experiences continue to shape Gabby's budgeting, anxiety, and need for security today • How both partners absorb social norms around spending and treat exhaustion as a justification for impulse purchases • The truth about using their savings account as a checking account • The staggering $3,075/month they spend on debt payments • Their dream of moving to Europe being pushed back year after year • The emotional rupture of realizing one missed paycheck could destabilize everything they've built Chapters: (00:00:00) “We never tell ourselves no” (00:17:24) “It's not just about paying off debt” (00:33:21) Ramit breaks down their numbers (00:48:21) “I feel like it gives me comfort” (01:02:26) “Money was a weapon” (01:12:53) “Denial lasts a week, vision lasts a lifetime” (01:32:00) “Nobody making this much should have credit card debt” (01:36:45) Where are they now? Ado and Gabby's follow-ups This episode is brought to you by: Aura Frames | Use promo code RAMIT to get $35 off the best-selling Carver Mat frames at https://auraframes.com Masterclass | Get up to 50% off Masterclass during the holiday season at https://masterclass.com/ramit 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 https://facet.com/ramit to learn more about which membership option is best for you. Offer expires December 31, 2025 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 in every box — at https://wildgrain.com/ramit Links mentioned in this episode • Join my event “Becoming Time Rich” on December 18th at 8pm ET. Register at https://iwt.com/timerich 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.

Karen (45) and Chad (44) built their lives around a high income: buying their dream home in a high-cost city and raising three kids with confidence in the future. But when Chad lost his $340K tech job, everything changed. Three years later, he's earning half as much, their emergency savings are gone, and they're borrowing just to stay afloat. Karen lies awake fearing they're one paycheck away from losing the house, while Chad stays optimistic that a future promotion or windfall will fix everything. Their conversations remain polite but distant, masking deep anxiety, resentment, and two completely different philosophies on money. Can Ramit help them confront reality, reconnect emotionally, and decide whether they can afford to keep the home they love? In this episode we uncover: • How Chad's income dropped by 50% overnight • The emotional toll of pretending “everything is fine” while secretly fearing they can't make the mortgage • Why even buying kids' necessities fills Karen with guilt • Why Chad defaults to thinking “maybe we're just poor for a while” • The dangerous gap between their public optimism and the reality Karen wrote in her application • How Karen and Chad communicate like polite coworkers instead of partners • The childhood roots that shaped their opposing money philosophies • Why living with zero savings and three children is far more dangerous than Chad realizes • The breakthrough: shifting from tracking numbers to actually making meaning from their spending and fears Chapters: (00:00:00) “We're one paycheck away from disaster” (00:17:12) “Here we go again” (00:26:21) Ramit breaks down their numbers (00:37:22) “I'm looking for solutions, not platitudes” (00:49:47) “Why aren't you more relaxed with less money?” (01:01:11) “Is the house on fire?” (01:19:32) Where are they now? Karen and Chad's follow-ups This episode is brought to you by: Bilt | Join the loyalty program for renters at https://joinbilt.com/ramit Aura Frames | Exclusive $35 off Carver Mat at https://on.auraframes.com/RAMIT. Promo Code RAMIT Wispr Flow | Try it for free at https://wisprflow.ai/ramit Gelt | Skip the waitlist at https://joingelt.com/ramit Netsuite | Get the free guide “Demystifying AI” at https://netsuite.com/ramit Links mentioned in this episode • Design your Rich Life for the New Year at my virtual event. Grab your seat at https://iwt.com/richlifereview 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.

Alex (34) and Jackie (33) have been married for 11 years, raising four young kids while navigating a financial dynamic that's been strained for nearly as long. Alex is meticulous and cautious — he's tracked every expense since 2016 — while Jackie follows her instincts and believes God will provide. But when she secretly enrolled in a $5,000 coaching program and later pushed for a $16,000 photography course, Alex's trust shattered. Now he feels like he's carrying the entire financial load, while Jackie feels discouraged and untrusted. Their arguments spill into daily life, even in front of their kids. Can Ramit help them rebuild trust, confront their conflicting money beliefs, and finally create a system that brings peace instead of panic? In this episode we uncover: • Why Alex has tracked every dollar since 2016—and how control became his default coping strategy • Jackie's belief that “money will come” and the role faith plays in her financial decisions • How a secret $5,000 coaching purchase shattered Alex's sense of safety • The emotional toll of raising four young kids while constantly feeling financially behind • How Jackie's childhood of scarcity and inconsistent money messages shaped her impulse-driven spending • How Alex's upbringing around saving, stability, and tithing taught him to equate control with security • Why relying on miracles and unexpected windfalls creates a fragile financial foundation • Jackie's desire to feel heard, supported, and validated—instead of managed • Why Alex feels lonely and burdened in the role of financial gatekeeper • How a shared money system can shift them from crisis-mode to long-term partnership • The first steps they take toward rebuilding trust, financial clarity, and a plan they can both commit to Chapters: (00:00:00) “Do you trust each other?” (00:17:40) “We had $300 and no plan” (00:29:15) Ramit breaks down their numbers (00:37:15) “If we just made more, everything would change” (00:50:52) “I wasn't taught to dream — just to survive” (00:58:53) “Hope isn't a financial strategy” (01:07:33) “I want the positive behavior without the crisis” (01:16:36) “The house is on fire” (01:29:07) “That changes everything” (01:36:56) Where are they now? Alex and Jackie's follow-ups This episode is brought to you by: Gusto | Try Gusto at https://gusto.com/ramit and get 3 months free when you run your first payroll Leesa | Go to https://leesa.com for 30% 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 Rocket Money | Cancel unwanted subscriptions and reach your financial goals faster at https://rocketmoney.com/ramit Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 10% off plus free shipping Links mentioned in this episode • If you want help with your finances, join my Money Coaching program at https://iwt.com/moneycoaching. 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.

Imani (52) and Michael (65) return for Part 2—and this time, Ramit pushes them to find out how fast they can turn things around. After years of miscommunication, mounting debt, and emotional exhaustion, they've finally started tackling their finances together. But when Facet's retirement scenarios reveal how long their money will really last, they're forced to confront new tradeoffs: spend less now, retire later, or change their lifestyle entirely. Can Michael step up and lead? Can Imani release control and start dreaming again? Or will their old habits slow their progress before it even begins? A special thanks to Facet for sponsoring this episode. Right now, Facet is waiving their $250 enrollment fee for new annual members. And if you invest and maintain $5,000 within your first 90 days, they'll add $300 to your brokerage account. Head to facet.com/ramit to see which membership—Core, Plus, or Complete—is right for you. (Ramit is not a member of Facet, and he has an incentive to endorse Facet as he has an ongoing fee based contract for cash compensation based on this endorsement. All opinions are his own and not a guarantee of a similar outcome.) In this episode we uncover: • Why Michael finally decides to take ownership after decades of financial avoidance • The moment Imani says she's “tapping out” if things don't change • How they discover Michael's electronics obsession is more than clutter—it's avoidance • The shocking realization that their debt payments eat up one-third of their take-home pay • How selling off $7,000 of electronics became the turning point for their marriage • What it felt like for Imani to finally let go of control and let Michael lead • Why teamwork and a clear plan helped them pay off $6,000 in just four weeks • How both partners confront what “enough” really means • The couple's new shared dream: retiring abroad and living a simpler, freer life Chapters: (00:00:03) “I'm angry at Michael, I'm angry at myself” (00:18:03) “I've lost the ability to dream” (00:34:45) “It's gotta work” (00:40:17) “I got the fever to start selling stuff” (00:51:47) “I could see the cloud starting to separate” (01:06:29) “I feel excited, inspired, energized” (01:22:39) Where are they now? Imani and Michael's follow-ups This episode is brought to you by: Wispr Flow | Voice-to-text AI that turns speech into clear, polished writing in any app. Try it for free at https://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 MasterClass | For unlimited access to every class and up to 50% off an annual membership, go to https://masterclass.com/ramit ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today #sponsored Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit Links mentioned in this episode • If you want help with your finances, join my Money Coaching program at https://iwt.com/moneycoaching 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.

Imani (52) and Michael (65) have been married for 24 years—and they're drowning in nearly $126,000 of consumer debt despite earning over $250,000 a year. Imani, a disciplined attorney who tracks every dollar, feels trapped by Michael's unchecked spending on electronics and his laid-back approach to money. She dreams of travel, freedom, and a life that finally feels generous, while he insists everything's fine as long as the bills get paid. With resentment growing and Imani nearing her breaking point, Ramit challenges them to face the truth: Can they pay off their debt, rebuild trust, and start enjoying life again—or are they too stuck in old patterns to change? A special thanks to Facet for sponsoring this episode. Right now, Facet is waiving their $250 enrollment fee for new annual members. And if you invest and maintain $5,000 within your first 90 days, they'll add $300 to your brokerage account. Head to facet.com/ramit to see which membership—Core, Plus, or Complete—is right for you. (Ramit is not a member of Facet, and he has an incentive to endorse Facet as he has an ongoing fee based contract for cash compensation based on this endorsement. All opinions are his own and not a guarantee of a similar outcome.) In this episode we uncover: • Why Imani regrets combining finances after 20 years of marriage • How Michael's promise to “put the money back” reveals a lifetime of avoidance • The stark contrast between Michael's military discipline and total lack of structure at home • What happens when one partner outgrows the other in ambition, discipline, and self-development • Why Imani admits she's embarrassed to be in massive debt at her age • Michael's habit of buying cars and electronics to celebrate milestones • How their $268,000 income still leaves them feeling broke, anxious, and behind • Why Imani clings to control and spreadsheets while Michael tunes out completely • How both partners confront the question: Can they rebuild trust and create structure before it's too late? Chapters: (00:00:00) “Did you go to Best Buy again?” (00:17:34) “I don't think I've ever planned anything in my life” (00:24:43) “Every time we had a kid, he bought a car” (00:36:48) Ramit breaks down their numbers (00:44:33) “We make way too much to be this stressed about money” (00:56:21) “I don't want to do life by myself” (01:10:51) Can a couple this far apart still find common ground? This episode is brought to you by: Gusto | Try Gusto at https://gusto.com/ramit and get 3 months free when you run your first payroll DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off Notion | Try Notion, now with Notion Agent, at https://notion.com/ramit Wildgrain | Get $30 off the first box — PLUS free Croissants in every box — at https://wildgrain.com/ramit LMNT | Get a free 8-count Sample Pack with any LMNT order at https://drinklmnt.com/RAMIT Links mentioned in this episode • Join my Money Coaching program for monthly help: https://iwt.com/moneycoaching 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.

Samantha (36) and Kevin (41) have been together for seven years, but their financial lives couldn't look more different. He's a high earner with $800,000 in investments and a paid-down mortgage. She's still carrying student loans, car payments, and lingering shame about being “behind.” While Kevin saves methodically for the future, Samantha prefers to spend on experiences—especially travel—leaving him questioning whether their financial priorities will ever align. Beneath the surface, neither of them has truly learned how to talk about money without shutting down. Can Ramit help them move from avoidance and resentment to shared goals and real plans for the future? A special thanks to Ultraspeaking, who worked with Samantha and Kevin to help them communicate more effectively as a couple. Ultraspeaking is the fastest and most effective way to become a great communicator. Learn more at https://ultraspeaking.com. In this episode we uncover: • Why Samantha believes she'll never be “financially good enough” for Kevin • How their shared avoidant tendencies have allowed them to avoid financial planning for years • How their unspoken expectations around “fairness” create tension • Samantha's logic for not paying rent or mortgage • How Kevin's quiet resentment built up after Samantha didn't use the housing savings to pay down debt • The real cost of their “guilt-free” spending, including $15,000/year on vacations • Why Samantha still feels broke, despite earning $148,000 a year • Samantha's fears about not meeting Kevin's expectations in retirement • The stark contrast between their savings: Samantha has one month of expenses, Kevin has six • How Samantha inherited a “spend it if you have it” mindset from her parents • Kevin's fear of loss from divorce and why he avoids fully committing financially • The role of therapy in helping them rebuild communication and trust Chapters: (00:00:00) “I'll never be financially good enough for Kevin” (00:13:39) “I feel like I have no say because he owns the house” (00:27:08) Ramit breaks down their numbers (00:37:44) “I still feel like I'm only making $50,000” (00:43:59) “Money burned a hole in my pocket” (01:03:09) “That's the bed I made and I will lie in it” (01:08:25) “Closing doors is hard…but staying stuck is harder” (01:15:59) “It's not about catching up — it's about building together” (01:37:50) Where are they now? Samantha and Kevin's follow-ups This episode is brought to you by: NetSuite | Download the CFO's Guide to AI and Machine Learning 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 Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off 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 https://facet.com/ramit to learn more about which membership option is best for you Links mentioned in this episode • If you want help with your finances, join my Money Coaching program at https://iwt.com/moneycoaching 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.

Edward (38) and Ellen (30) live in Hawaii with their young daughter and a new baby on the way. With a net worth of over $2 million, their finances look strong on paper, but behind the scenes, their marriage is strained by control, fear, and trust issues around money. Edward manages every dollar, while Ellen has to ask for “permission” to spend, even on basic everyday items. He believes tight control protects their future, making her feel more like a child than a partner. As Edward grapples with his deep fear of losing everything, Ellen wants to step into her own financial power. Can they learn to trust each other and build a partnership where both voices are heard, or will control and fear continue to drive their financial decisions? In this episode we uncover: • Why Ellen calls their financial dynamic “like asking my dad for permission” • How Edward's fear of poverty leads to hyper-control over their money • Why Edward compares their finances to the top 1% • Ellen's $8,000 home birth decision • How Ellen avoids learning their finances to sidestep arguments • The emotional legacy of Edward's childhood poverty and Ellen's early financial security • Their definition of a “traditional marriage” • Why they fight about $20 face cream despite earning $28K/month • The weight of Edward's “provider” identity • Their Hawaii “dream home” vs. the financial pressure it created • Their shared craving for safety and control • Ellen's realization that she's been playing financial defense instead of building real skills • Edward's hope to teach their daughter financial independence Chapters: (00:00:00) “It feels like I'm asking for permission” (00:16:10) “I'm in charge of the budget” (00:23:09) “I had just come into a million dollars” (00:34:29) Ramit breaks down their numbers (00:51:41) “I don't think he trusts me at all” (00:56:49) “I will never be poor again” (01:07:01) “When do we get to live like we're wealthy?” (01:17:38) “I shrink myself to please him” (01:39:10) Where are they now? Ellen and Edward's follow-ups This episode is brought to you by: Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit Factor | Get 50% off plus free shipping on your first box at https://factormeals.com/ramit50OFF with code RAMIT50OFF 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 https://facet.com/ramit to learn more about which membership option is best for you ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today #sponsored Leesa | Go to https://leesa.com for 20% off sitewide PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners Links mentioned in this episode • If you want help with your finances, join my Money Coaching program at https://iwt.com/moneycoaching 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 make good money but you haven't taken a real vacation in years, I want to talk to you. I'm casting couples for a special episode of the podcast. Apply this week only at iwt.com/apply.

Angela (31) and David (34) thought they'd built a future on $200,000 in crypto. Instead, they lost it all—and now they're living in David's childhood home with his mom. Angela dreams of traveling to Colombia to be with family, while David quietly panics about their finances. She sees every course and trip as a step toward freedom, but he sees their savings shrinking with no plan in sight. With only $4,000 in the bank and a 5-year-old to support, can they stop improvising and finally create a stable financial life of their own? In this episode we uncover: • How David blew through $200,000 in crypto • Living rent-free with David's mom • The “get rich quick” approach to debt: bankruptcy talk, unrealistic timelines, and skipped planning • Why improvising instead of planning is their default financial strategy • A $3,000 retreat vs. moving out: how conflicting priorities reveal deeper issues • The moment they see the truth in their spending • How David's mom ended up in credit card debt from supporting them • Angela's scarcity and rescue narratives from childhood • Why David avoids stress and Angela absorbs it • The cost of being “Dreamers” (big visions with no real plan) • Signs their daughter is already noticing financial stress Chapters: (00:00:00) “We have no space to breathe” (00:25:05) Ramit breaks down their numbers (00:35:12) “Our vision isn't aligned to our actions” (00:52:42) “Like mother, like daughter” (01:03:09) “Do you want major changes or minor changes?” (01:15:26) “We've never created a plan” (01:36:53) Where are they now? Angela and David's follow-ups This episode is brought to you by: Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 10% off plus free shipping. Wildgrain | Get $30 off the first box - PLUS free Croissants in every box at https://wildgrain.com/ramit SonderMind | Go to https://sondermind.com to get matched with the right therapist in less than a week Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off Links mentioned in this episode • If you want help with your finances, join my Money Coaching program at https://iwt.com/moneycoaching 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.

Amy (32) and John (40) are raising two young kids in Canada, earning a solid $155,000 a year. But with $768,181 in debt and fixed costs at 168% of their income, every month feels like a losing battle. Two years ago, John hid hundreds of thousands in business tax debt from Amy—what she calls “financial infidelity.” Since then, trust has been fragile, money is tight, and they often feel like they're fighting on “two separate life rafts.” Amy's trying to rebuild their future, but when more than HALF of their monthly income goes immediately towards debt, they're struggling to find a path forward. Can Ramit help them bridge the gap between good intentions and hard numbers—and finally get on the same team? In this episode we uncover: • How their fixed costs rose to 168% of their income • Why John hid his business tax debt, which shattered Amy's trust • How years of financial strain forced Amy to shoulder household finances alone • How Amy's volatile income and John's shrinking business payouts created a $4,000 deficit • John's Dreamer attitude collides with the harsh math of his monthly debt payments • The emotional impact of having no safety net • Amy's plan to launch a new business vs. John's struggle to keep his afloat • Why managing risk isn't about optimism • Amy's frustration with carrying the mental and emotional load of finances while John “focuses on income” • Ramit's direct call for decisive leadership and clear planning to get out of financial free fall Chapters: (00:00:00) “He spent two years hiding his debt from me” (00:18:03) Ramit breaks down their numbers (00:26:27) “I was humiliated driving that Tesla” (00:39:52) “We're flying blind” (00:54:47) “I feel like I'm carrying this weight alone” (01:02:13) “Hope is not a strategy” (01:24:56) “This is what happens when we finally get specific” (01:42:25) Where are they now? Amy and John's follow-ups Links Mentioned In This Episode: • Join me Monday, October 20 to learn How To Nail Your Dream Job Interview. Reserve your spot at https://iwt.com/interview This episode is brought to you by: LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. Get yours at https://drinklmnt.com/RAMIT Rocket Money | Cancel unwanted subscriptions and reach your financial goals faster at https://rocketmoney.com/ramit ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today #sponsored 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. 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.

Christine (47) and Thad (57) have been together for more than six years, but instead of building wealth, they're buried under nearly $340,000 of debt. Christine, the self-appointed “CFO,” is exhausted from tracking every bill, while Thad avoids the details and spends freely. Their conflicting money mindsets (Christine craving stability, Thad living for the moment) have stalled their big dreams like buying a home or taking Rich Life vacations that Christine longs for. With almost no savings and retirement looming, Christine fears she's approaching 50 with nothing to show for her hard work, while Thad insists a single plan will solve everything. Can Ramit help them break the cycle of avoidance and control, align their priorities, and finally start acting like teammates? In this episode we uncover: • Why Christine feels she's approaching 50 with “nothing to show” for her life • Thad's $17,000 student loan that ballooned up to $125,000 • How Christine became the household “CFO” while Thad continues to avoid responsibility • Their real numbers—and why Christine feels so stressed • Christine's frustration over micromanaging bills • Thad's upbringing in poverty • The invisible power of shame and fear, and why they can't see what's right in front of them financially • Christine's childhood lessons from parents who bought an unaffordable home • Thad's stark admission: if nothing changes, he'll be homeless Chapters: (00:00:00) When a worrier and an avoider meet… (00:02:59) “We have a plan… don't we?” (00:15:52) “Where is all the money going?” (00:19:54) Ramit breaks down their numbers (00:33:46) “I never expected to live past 30” (00:48:30) “I wish my dad was able to say no” (00:56:33) “I don't believe he'll follow through” (01:05:11) “We need to be playing way bigger” (01:22:38) “I don't feel like I have the power” (01:36:54) Where are they now? Christine and Thad's follow-ups This episode is brought to you by: Doola | Go to https://doola.com.ramit and use code RAMIT for 10% off LLC formation and bookkeeping. Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit Netsuite | Download the CFO's Guide to AI and Machine Learning 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 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.

Today we interviewed the host of the Netflix series How to Get Rich , three-time bestselling author and financial expert, Ramit Sethi! Ramit answered some questions you all sent in about your finances and we honestly learned a lot from him ourselves! Ramit's latest book, “Money for Couples” helps couples talk about their finances without stress or conflict and teaches them how to build a rich life together. Ramit is so passionate about helping people live their best lives, despite the amount of money in their bank account, and his passion for what he does is contagious. Let us know what you learned in the comments below! Love you guys! Shawn and Andrew To learn more about Ramit Sethi https://www.iwillteachyoutoberich.com/ To get Ramit's latest book “Money for Couples” https://www.iwillteachyoutoberich.com/books/ Beam Kids is now available online at https://www.shopbeam.com/COUPLETHINGS Take advantage of our exclusive discount of up to 40% off using code COUPLETHINGS Subscribe to our newsletter ▶ https://www.familymade.com/newsletter Follow our podcast Instagram ▶ https://www.instagram.com/shawnandandrewpods/ Follow My Instagram ▶ https://www.instagram.com/ShawnJohnson Follow My Tik Tok ▶ https://www.tiktok.com/@shawnjohnson Shop My LTK Page ▶ https://www.shopltk.com/explore/shawnjohnson Like the Facebook page! ▶ https://www.facebook.com/ShawnJohnson Follow Andrew's Instagram ▶ https://www.instagram.com/AndrewDEast Andrew's Tik Tok ▶ https://www.tiktok.com/@andrewdeast?lang=en Learn more about your ad choices. Visit megaphone.fm/adchoices