Podcast appearances and mentions of rich life

In this podcast, we will be talking about 8 Free Everyday Habits That Make Life Radically Rich from the philosophy of Epicurus. His philosophy is often referenced as Epicurean hedonism or simply Epicureanism. So here are 8 Free Everyday Habits That Make Life Radically Rich from the philosophy of Epicurus -  01. Natural Necessities02. Simple, Satisfying Food03. Freedom from Bodily Pain 04. Daily friendships05. A Safe Retreat06. An Unnoticed Life07. Good Memories08. PhilosophyI hope you enjoyed listening to this podcast and hope these 8 Free Everyday Habits That Make Life Radically Rich from the philosophy of Epicurus will add value to your life. Epicurus is one of the most important figures in the history of philosophy, as well as of science. He is less known than Plato or Socrates, but, nonetheless, his teachings are precious and timeless. He lived between 341 to 270 BC, and wrote more than 300 works during his lifetime. Most of his work has been lost, but what remains is extremely relevant even today. In science, he was one of the first to describe the natural world as made of atoms and he rightly understood that all the natural phenomena are in fact based on the movement of atoms. Also, he strongly stressed the importance of basing our beliefs on empirical evidence and logic. In philosophy, he was part of the hedonist movement and he was most famous for his skilful insights into the concept of happiness, starting his own School of Happiness, also known as Epicurean hedonism or simply Epicureanism. If stoics believed that living justly and virtuously is the highest good and that we should be indifferent to pleasure and pain, Epicureanism believed that we should seek to maximise the pleasures in life. There were some rumours that in his school people lavished  themselves in orgies, luxury and decadence, but these rumours were unfounded. Epicurus didn't have any interest in orgies and expensive meals. His idea of pleasure is far from the classical one. He departed from the classical school of hedonism for which pleasure is the highest good, adding that the pleasure of the mind, not the pleasure of the senses, is the true ‘highest good'. He believed that the greatest happiness comes from reducing suffering, achieving an inner state of peace which he called ataraxia. Ataraxia means being content with simple things in life, like having philosophical conversations about the meaning of life, in your small garden, with your best friends. According to Epicurus, the pleasure from pursuing wisdom is the highest form of pleasure, and the most valuable as it is the one that leads us to true happiness.

Ramit unpacks what happens when a couple earns more than $1 million a year but still feels like they're living month to month, and how a lifestyle built around family, community, and tradition can become almost impossible to afford. Ramit Sethi of I Will Teach You to Be Rich talks with Margo and Kevin, 42 and 52, who live in Brooklyn with their five children. They take home around $600,000 a year and have approximately $11 million in assets, yet only around $50,000 in savings. Once Ramit uncovers expenses missing from their original plan, including private school tuition and summer camps, their fixed costs climb above 100% of their take-home pay, revealing that they're spending more than they make every month. Their biggest challenge isn't simply earning more money. Kevin has taken on most of the finances while Margo has had limited visibility into their overall financial picture, and neither of them has a clear picture of where their money is actually going. Ramit helps them confront how community norms and family traditions shape what they see as non-negotiable, and the difficult choices they may need to make around private school, their homes, their children, and the lifestyle they've built. In this episode, we uncover: How a couple earning over $1 million a year can still live month to month Why they describe themselves as “rich poor people” How missing expenses push their fixed costs above 100% of their take-home pay Why $160K in tuition and camps completely changes their financial picture How a $400K–$500K mold crisis wiped out much of their financial cushion Why they have $11 million in assets but only around $50K in savings Why Kevin manages most of the money while Margo has limited visibility into their finances How childhood money lessons shaped their “earn more, spend more” cycle How community and tradition shape their spending Why they may need to make major changes to their homes, education costs, and spending to finally start saving and investing Chapters: (00:00:00) Introduction  (00:02:00) Why they call themselves “rich poor people”  (00:25:00) Ramit opens up their numbers  (00:43:00) The hidden expenses pushing them over 100%  (01:06:00) How their childhoods shaped their money habits  (01:11:00) How community and tradition shape their spending  (01:15:00) They finally confront what has to change  (01:33:00) Why $11M in assets still leaves them cash poor  (01:36:00) Private school, their homes, and the difficult decisions ahead  (01:58:00) Follow-ups

The Rich Life I #3 I I GIVE generously I 9/27/26

Emily Dawson, DHA, MBA, MSN, is a healthcare executive, registered nurse, and the co-founder of Avinity Health in Scottsdale, Arizona. With more than 16 years of experience, Emily has worked across clinical leadership, quality improvement, patient experience, and healthcare operations.In today's episode, Emily joins me to discuss the relaunch that changed the direction of her life. In 2014, after being diagnosed with a rare brain tumor, she also shares how you can take charge of both your health and life.We dive into how that experience changed the way Emily viewed her career, leadership, and what she was capable of accomplishing. Emily also shares what pushed her to work harder, take on more responsibility, and how she realized that she did not have to wait for someone else to decide when she was ready for the next opportunity.Emily also reveals how her experiences in healthcare shaped her vision for Avinity Health, a health optimization and longevity clinic focused on taking a more proactive and personalized approach to healthcare.The conversation goes into the difference between reactive and preventative healthcare, the importance of listening to your body, regular checkups and lab work, understanding your health history, and knowing when symptoms should be taken seriously. Emily also shares an update on her health following her brain tumor surgery and explains how the experience changed her perspective on life.Join us today as we dive into Emily's brain tumor diagnosis, rebuilding after surgery, creating your own opportunities, entrepreneurship, preventative healthcare, and how to truly take charge of your health.—If this episode lit something inside you, that quiet knowing that you're meant for more, then I want to personally invite you into the most powerful room of the year.ReLaunch To A Rich Life LIVE is a transformative, neuroscience-backed 3-day experience happening September 17–19, 2026 in Scottsdale, Arizona. It's designed for women who are done playing small and ready to step into clarity, confidence, and next-level success, not just in business, but in health, wealth, relationships, and life.This isn't another event, it's a quantum upgrade into the life you're meant to live. Join women who are ready to rewire their identity, elevate their frequency, and claim a Rich Life that feels as good on the inside as it looks on the outside.Learn more and join us in September—Visit Emily Dawson's website: Avinity HealthConnect with Emily on:Instagram: https://www.instagram.com/avinityhealth/LinkedIn: https://www.linkedin.com/in/emily-dawson-dha-mba-msn-rn-lnc-b401aa2b/—Connect with Hilary:Website: https://www.therelaunch.com/Instagram: https://www.instagram.com/hilarydecesare/Facebook: https://www.facebook.com/TheReLaunchCoInterested in being a guest on the ReLaunch Podcast or booking Hilary as a guest? Email us at hello@therelaunch.comFind Us on Your Favorite Podcast App: https://www.therelaunch.com/relaunch-to-a-rich-life-podcast/

The Rich Life | #2 | I TRUST the One who gave it | 9/20/26

Submit your stock picks here: ausbiz.co/callpicksClaude Walker from A Rich Life and Luke Winchester from Merewether Capital go in-depth and stock specific on ‘the call.'Po Valley Energy (PVE)Elsight Limited (ELS)BLS Pharmaceuticals (BLS)AML3D (AL3)Australian Ethical Investments (AEF)Laserbond (LBL)Brightstar Resources (BTR)Lumos Diagnostics (LDX)Fleetwood (FWD)Dxn (DXN)Stock of the day: Sequoia Financial Group (SEQ) to listen go to https://ausbiz.co/STODGet your stock pick to the front of the queue by becoming an ausbiz contributor: https://ausbiz.co/contributorsAnd we'd love it if you could leave us a review below! Hosted on Acast. See acast.com/privacy for more information.

Olivia Carr is an entrepreneur and business leader who spent more than a decade building the luxury brand "Shhh Silk" from a spare room into an eight-figure global business. She walked away from the company at age 44 and is now working as a corporate advisor while turning her work with women in midlife into her upcoming book, Midlife Unfiltered. Through The Midlife Truth Project, she is working to create systemic change in workplaces and give midlife women greater space to be heard and supported.In today's episode, Olivia joins me to discuss her decision to walk away from her eight-figure global brand at 44 and rebuild from zero income.Olivia shares how she realized that the business she had worked so hard to build no longer fit the life she wanted. She also opens up about the internal shift that made her question her definition of success, the role of perimenopause, and what it felt like to walk away from her financial security.We dive into how to recognize when you have outgrown a career, business, or version of yourself. Olivia explains how midlife and perimenopause changed her tolerance, priorities, energy, and relationship with success, and why women need to pay attention when their internal definition of a rich life begins to change.The conversation also covers Olivia's Midlife Truth Project and the witness conversations she has been having with women around the world. She explains why women often need to be truly seen and heard rather than fixed, and how creating a safe space can help women reconnect with their voice and what they truly want.Join us today as we dive into recognizing when your life no longer fits, redefining success in midlife, preparing financially for a pivot, navigating business grief, creating psychological safety at work, being truly heard, building a supportive community, and much more.—Want a space to talk openly about where you are in midlife?Book a witness conversation with Olivia Carr to be heard, reflect on what's really happening in your life, and start making sense of your next chapter.Book your conversation with Olivia:https://www.oliviacarr.com.au—Want to understand what women are really experiencing in midlife?Explore Olivia Carr's Midlife Truth Project for honest conversations that bring visibility to the challenges around identity, energy, work, and this major season of change.Learn more about The Midlife Truth at:https://www.oliviacarr.com.au/pages/the-midlife-truth—If this episode lit something inside you, that quiet knowing that you're meant for more, then I want to personally invite you into the most powerful room of the year.ReLaunch To A Rich Life LIVE is a transformative, neuroscience-backed 3-day experience happening September 17–19, 2026 in Scottsdale, Arizona. It's designed for women who are done playing small and ready to step into clarity, confidence, and next-level success, not just in business, but in health, wealth, relationships, and life.This isn't another event, it's a quantum upgrade into the life you're meant to live. Join women who are ready to rewire their identity, elevate their frequency, and claim a Rich Life that feels as good on the inside as it looks on the outside.Learn more and join us in September:https://relaunchtoarichlife.com—Visit Olivia Carr's website:https://www.oliviacarr.com.auConnect with Olivia on:Instagram: https://www.instagram.com/the_olivia_carr/LinkedIn: https://au.linkedin.com/company/olivia-carr-advisory—Connect with Hilary:Website: https://therelaunch.com/Instagram: https://www.instagram.com/hilarydecesare/Facebook: https://www.facebook.com/TheReLaunchCoInterested in being a guest on the ReLaunch Podcast or booking Hilary as a guest? Email us at hello@therelaunch.comFind Us on Your Favorite Podcast App:https://the-silver-lined-relaunch.captivate.fm/listen

Ramit unpacks how to stop overspending, take control of your money as a couple, and prepare financially for starting a family. Ramit Sethi of I Will Teach You to Be Rich talks with Grace and Chris, who are 30 and 29 and have been married for six months. They have around $119,500 invested and unusually low housing costs, yet their finances feel chaotic and unstable. They spend more than they make, struggle to understand where the money goes, and have never had a substantive conversation about money as a couple. The deeper problem is the dynamic they've fallen into. Grace handles most of the money while Chris takes a back seat, and both avoid the uncomfortable conversations they know they need to have. With children now part of their near-term plans, Ramit pushes them to confront where their habits came from and what has to change before the stakes get even higher. In this episode, we uncover: Why Grace feels like she's managing their money alone How Chris's avoidance keeps the same cycle going Why “we'll figure it out later” keeps costing them How a $100 weekend budget disappeared at a baseball game Why 108% fixed costs are only part of the problem How Amazon, eating out, and social spending keep slipping through the cracks How inheritance, a mortgage-free home, and family support shaped their relationship with money How their childhoods taught them to avoid talking about money Why starting a family makes their financial situation more urgent How they can finally start making financial decisions as a team Chapters: (00:00:00) Introduction (00:02:36) “I'm crying for help on a sinking ship” (00:16:53) The baseball game that exposes their money dynamic (00:24:22) Ramit opens up their numbers (00:40:37) Where their $119K investments came from (00:47:40) What their childhoods taught them about money (00:56:46) They've never defined their Rich Life (01:04:04) What happens if nothing changes? (01:18:32) Can they make the next 15 months work? (01:31:43) Follow-ups This episode is brought to you by: Wispr Flow | Try Wispr Flow for free at wisprflow.ai/ramit Gelt | Gelt is taking on new clients now. Find out if you qualify at https://joingelt.com/ramit NetSuite | If your revenues are at least in the seven figures, get the free business guide “Aligning for the Agentic Era: How AI Is Changing Everyday Work” at https://netsuite.com/ramit DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout Got a money question you've always wanted to ask me? Join me live on September 17th for “Why Your Budget Keeps Failing.” I'll show you how to build a Conscious Spending Plan and answer your questions live. Join me: https://iwt.com/budget Ever wondered what recruiters actually think when they see your application? On September 16th, Google recruiter Nicky Slavich will reveal what makes recruiters keep reading and when to apply even if you're underqualified. RSVP free: https://iwt.com/expertsession 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

The Rich Life | #1 | I've been GIVEN much | 9/13/26

Colette Fehr is a leading relationship expert, certified emotionally focused couples therapist, author, and TEDx speaker whose work has been featured as a TED Editor's Pick. Through her practice and her book, The Cost of Quiet, she has empowered hundreds of couples to break cycles of conflict avoidance and master the art of secure, lasting communication. In today's episode, Colette joins me to discuss her personal relaunch journey, the cost of staying silent in a marriage, its effects on many women, and how you can find your voice. We dive into the hidden cost of keeping the peace and why women often silence themselves to avoid being difficult, annoying, or “too much.” Colette explains “good girl-itis” and the four most devastating results of self-silencing. Colette also shares how she navigates difficult conversations in business, media, and her own life. She explains how to recognize the difference between intuition and fear, reconnect with yourself, and decide when something needs to be said. Join us today as we dive into the cost of staying silent, finding your voice, navigating conflict, building self-connected communication, and how to have the conversations that can change your relationships, business, and life. —Read Colette's book, “The Cost of Quiet” to learn how staying silent can affect your relationships, and discover how to have the conversations you've been avoiding >> https://www.colettejanefehr.com/new-book? —Watch Colette's TEDx talk, Secrets of a Couples Therapist so you can gain practical insights into communication and relationships from a couples therapist. >> https://youtu.be/8tSUOB2yEd0?si=L0WxmnJTOe6YMPdz —Subscribe to Colette's Secrets from a Therapist Substack: To get free relationship advice and insights to help you better understand your relationships and communicate with confidence. >> https://colettejanefehr.substack.com/ —If this episode lit something inside you, that quiet knowing that you're meant for more, then I want to personally invite you into the most powerful room of the year. ReLaunch To A Rich Life LIVE is a transformative, neuroscience-backed 3-day experience happening September 17–19, 2026 in Scottsdale, Arizona. It's designed for women who are done playing small and ready to step into clarity, confidence, and next-level success, not just in business, but in health, wealth, relationships, and life. This isn't another event, it's a quantum upgrade into the life you're meant to live. Join women who are ready to rewire their identity, elevate their frequency, and claim a Rich Life that feels as good on the inside as it looks on the outside. Learn more and join us in September: https://www.relaunchtoarichlife.com —Visit Colette Fehr's website: https://www.colettejanefehr.com/ Connect with Colette on:Facebook: https://www.facebook.com/share/1BxMhMP6LL/Instagram: https://www.instagram.com/colettejanefehr?Linkedin: https://www.linkedin.com/in/colette-jane-fehr-lmft-lmhc-3b3b711b? —Connect with Hilary:Website: https://therelaunch.com/Instagram: https://www.instagram.com/hilarydecesare/FaceBook: https://www.facebook.com/TheReLaunchCo Interested in being a guest on the ReLaunch Podcast or booking Hilary as a guest? Email us at hello@therelaunch.com Find Us on Your Favorite Podcast App - https://the-silver-lined-relaunch.captivate.fm/listen

Ramit unpacks whether Randy can move toward marriage while Mack brings $100,000 of debt into their future together and whether that debt could become a problem they both have to live with. Randy and Mack are in their early 30s, and are talking seriously about marriage. But their financial lives look completely different. Randy has a net worth of around $102,000, while Mack is at roughly negative $56,000, largely because of $100,000 of debt. Randy feels increasingly “handcuffed” by what that debt means for their future, while Mack worries that he has gone from being supported to becoming a problem to solve. Ramit quickly discovers that the real issue is not simply the debt. Mack already has an aggressive payoff plan that could make him debt-free in under four years. The deeper problem is trust, avoidance, and the way they manage money as a couple. Ramit helps them rethink their 50/50 split, build a more equitable system, and create a plan where Mack takes ownership of his debt while they start making financial decisions as a team. In this episode, we uncover: Why Randy feels “handcuffed” by Mack's financial situation as they discuss marriage How a couple earning $309,000 ended up with radically different financial lives How Mack accumulated $100,000 of debt Why Randy's fixed costs are 47% while Mack's are 87% Why Mack avoids money even though he manages large budgets professionally How Mack's debt went from his problem to their problem Why Ramit thinks Mack's debt payoff plan is actually a strong one The hidden trust issue underneath their arguments about money Why splitting their shared expenses 50/50 no longer works How they can become debt-free in under four years while still saving, investing, and enjoying life Chapters: (00:00:00) Introduction (00:02:53) Randy feels “handcuffed” by Mack's debt (00:23:20) Their numbers reveal a huge financial divide (00:34:47) How Mack accumulated $100K of debt (00:43:08) Mack's debt payoff plan surprises Ramit (00:53:35) How their childhoods shaped their money beliefs (01:06:43) The real issue underneath the debt: trust (01:10:43) Building their shared Rich Life (01:15:58) Why splitting everything 50/50 no longer works (01:31:32) Follow-ups: what changed after the conversation This episode is brought to you by: Skylight | Get $30 off a 15-inch Calendar at https://myskylight.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 Grow Therapy | Visit https://growtherapy.com/ramit to find a therapist today DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout Factor | Head to https://factormeals.com/ramit50off and use code RAMIT50OFF to get 50% off and one free breakfast item per box for one year, while supplies last until 10/31/2026. See website for more details. Got a money question you've always wanted to ask me? Join me live on September 17th for “Why Your Budget Keeps Failing.” I'll show you how to build a Conscious Spending Plan and answer your questions live. Join me: https://iwt.com/budget Ever wondered what recruiters actually think when they see your application? On September 16th, Google recruiter Nicky Slavich will reveal what makes recruiters keep reading and when to apply even if you're underqualified. RSVP free: https://iwt.com/expertsession Connect with Ramit: • Get my new book, Money For Couples • Join my Rich Life: Road to $100K program • 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

Scott Aaron is a LinkedIn coach, bestselling author, and host of the Networking and Marketing Made Simple podcast. He teaches coaches, consultants, and service based entrepreneurs how to turn their expertise into consistent clients through genuine, organic relationship building on LinkedIn. In today's episode, Scott joins us to talk about the season of real personal crisis that forced him to rebuild his entire business and life from the ground up, and how you can actually scale your business using LinkedIn. Scott shares key details about the collapse of the first business he took over, the conflict it caused in his family, and the emotional toll it took on him. We talk about how Scott rebuilt everything online, matching 15 years of revenue in just six months. Scott reveals how to position yourself as a thought leader instead of a spammer, what to actually post, and how often. Join us today as we dive into Scott's relaunch story, business mortality versus business rebirth, how to grow real relationships on LinkedIn without being "salesy," profile optimization, content strategy, and the daily habits that scale a business without burning you out. —Want to learn how to create better content, build stronger connections, and generate more opportunities on LinkedIn? Subscribe to Scott's free LinkedIn Tips and Updates newsletter >> https://www.linkedin.com/newsletters/linkedin-tips-and-updates-6864980141639127040 —Want to learn Scott's LinkedIn strategy directly from him? Join Scott's free live LinkedIn trainings every Monday and Thursday at 10 AM Eastern >> https://www.facebook.com/share/19fBASpFeZ/ —Want more practical advice on networking, marketing, and using LinkedIn to grow your business? Listen to more LinkedIn strategies on Scott's podcast: The Networking and Marketing Made Simple podcast >> https://podcasts.apple.com/us/podcast/networking-and-marketing-made-simple/id1441674842 —If this episode lit something inside you, that quiet knowing that you're meant for more, then I want to personally invite you into the most powerful room of the year. ReLaunch To A Rich Life LIVE is a transformative, neuroscience-backed 3-day experience happening September 17–19, 2026 in Scottsdale, Arizona. It's designed for women who are done playing small and ready to step into clarity, confidence, and next-level success, not just in business, but in health, wealth, relationships, and life. This isn't another event, it's a quantum upgrade into the life you're meant to live. Join women who are ready to rewire their identity, elevate their frequency, and claim a Rich Life that feels as good on the inside as it looks on the outside. Learn more and join us in September: https://www.relaunchtoarichlife.com —Visit Scott Aaron's website: https://scottaaron.net/ Connect with Scott on:Facebook: https://www.facebook.com/share/19fBASpFeZ/Instagram: https://www.instagram.com/scottaaronlinkedin?Linkedin: https://www.linkedin.com/in/scottaaroncoach? —Connect with Hilary:Website: https://therelaunch.com/Instagram: https://www.instagram.com/hilarydecesare/FaceBook: https://www.facebook.com/TheReLaunchCo Interested in being a guest on the ReLaunch Podcast or booking Hilary as a guest? Email us at hello@therelaunch.com Find Us on Your Favorite Podcast App - https://the-silver-lined-relaunch.captivate.fm/listen

Ramit unpacks how resentment, unequal workloads, and conflicting ideas about money can push a marriage to breaking point, even when the numbers suggest a couple should be doing well. Ramit Sethi of I Will Teach You To Be Rich speaks with Lauren and Robert, a married couple who have spent years building resentment around work, spending, and who carries the financial load. Lauren works three jobs, often 55–60 hours a week, while managing most of their finances. Robert, a retired Navy veteran who once believed retirement meant he wouldn't need to work again, has recently returned to work. On paper, they're doing better than they think, but they have just $24,000 in savings, around $70,000 in debt, fixed costs at 81%, and almost nothing currently being directed toward savings or investments. Along the way, a $700,000 inheritance, a $40,000 pool scam, a $3,200 bounce house, and a $150,000 pool became major sources of conflict. Lauren believes Robert needs to earn more. Robert feels like his opinion often doesn't matter because Lauren earns more. But Ramit quickly discovers that more income isn't going to solve what's happening between them. Their resentment has reached the point where they've talked about divorce. To move forward, they'll need to stop keeping score, create a shared vision for their money, and learn how to operate as a team. A special thanks to DeleteMe for sponsoring this episode. Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout. In this episode, we uncover: Why Lauren feels like she's been carrying the financial weight for years Why Robert believed retirement meant he wouldn't need to work again How a $700,000 inheritance shaped the life they built together Why a second $150,000 pool became a major source of conflict Why Robert feels like saying “no” rarely changes the outcome Why Lauren struggles to say no to herself and their children Why Ramit tells them Robert earning more money won't fix the real problem Why they earn more than they realized but still barely save or invest How Robert's childhood shaped his views on work, scarcity, and spending How Ramit helps them rebuild their financial system around partnership Whether Lauren and Robert can stop keeping score and start acting like a team Chapters: (00:00:00) Introduction (00:05:09) Lauren receives a $700,000 inheritance (00:19:00) When the resentment started building (00:31:59) Ramit reviews their financial numbers (00:37:06) Why they're barely saving or investing (00:50:40) Lauren has been managing the money alone (00:56:31) They've never created a shared financial vision (01:03:41) Ramit changes how they talk about money (01:24:39) What their retirement could actually look like (01:27:21) Rebuilding their Conscious Spending Plan (01:35:26) Lauren and Robert's follow-up This episode is brought to you by: Granola | Try Granola totally free at https://granola.ai/RAMIT. Notion | Learn more about how Notion can support your business, at https://notion.com/ramit Gusto | Try Gusto at http://gusto.com/ramit and get 3 months free when you run your first payroll LMNT | Get a free LMNT Sample Pack with any order at https://drinklmnt.com/RAMIT If you're ready to stop putting off your money goals, Road to $100K gives you a step-by-step plan to reach your first $100,000, focus on what matters, and accelerate your timeline while building your Rich Life. Join Road to $100K at https://iwt.com/100K Connect with Ramit • Get my new book, Money For Couples • Join my Rich Life: Road to $100K program • 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

"You cannot set yourself on fire to keep other people warm."That's the quote from this week's guest, Jules Duncan, and it captures the whole conversation. Because both of us have done it. Both of us have paid the price. And both of us want you to not do the same.I'm Jen Wilson, The Healing Rebel, and I'm delighted to have Jules back on the podcast. Jules runs The Badass Business Club, she's been coaching business owners for a decade, and we've known each other pretty much the whole time she's been in business. This conversation goes into the reality of running a business without wrecking your health, and how to build what she calls a "rich life", which has nothing to do with money.What we cover:What a "rich life" actually means (and why it's more about your Tuesdays than your holidays)Why gratitude gets a bad rap and what to reach for insteadWhy every task, decision, and commitment needs to go in Google CalendarHow to schedule your rest, holidays, and downtime months in advanceThe advantages of business ownership that most business owners never takeWhy you don't have to respond to messages within 20 minutesBusiness WhatsApp: what it is, why you need it, and how to set it up properlyThe two-phone system I use to protect my downtimeWhy fit isn't the same as healthy (and why fitness professionals often burn out first)The moment Jules realised she was so fatigued she was burning her own neck with a hair straightenerThe Crohn's flare that finally forced me to change how I ran my businessWhy "you can't set yourself on fire to keep other people warm" needs to be tattooed on every coachWhether hormones and perimenopause are part of why women in their 40s stop caring what people thinkWhy every business is a service (and it's okay to think of it that way)Why failure is necessary, not shameful, in building a businessA few questions we answer:What is a "rich life" and how do you build one?How do you protect your time and energy as a self-employed business owner?Why do so many fitness and wellness professionals burn out?Should you offer 24/7 support to clients?How do you know when your business is costing you too much?Why is failure necessary for building a successful business?Find Jules:Instagram: @thebadassbusinessclub For book recommendations: @badassbooksandbarbellsFree download: my Lymphatic Drainage Self-Care Routine. A gentle, daily practice you can do in as little as one minute a day. Download here https://iamjenwilson.thrivecart.com/lymph/If you're in or around Glasgow and you'd like to come in for a treatment, my Reset (90 minutes) and Recalibration (3 hours) sessions are designed for exactly this kind of nervous system exhaustion www.iamjenwilson.com/relaxAbout Jen:Jen Wilson is The Healing Rebel, a holistic wellness practitioner with over 17 years in practice, supporting capable, first born daughters who give to everyone and struggle to receive. Working from her private home studio in Springburn, North Glasgow, Jen offers The Reset, The Recalibration, Manual Lymphatic Drainage, Therapeutic Fascia Massage, Closing the Bones, Menopause Massage, Reiki, Reiki Drumming, and Sound Healing, plus online movement classes and an on-demand subscription library.Find out more at iamjenwilson.com

When money is tight, a sneaky thought creeps in. If God was really pleased with me, wouldn't this be easier? I have wrestled with that question myself more times than I can count. So in this episode, Linda and I get honest about whether financial struggle means God is displeased with you. We talk about what blessed actually means, and why comparing your finances to everyone's highlight reel is a trap. We share seasons where we did everything right and money was still hard. And we look at why adversity might actually mean you're on the right path. This is for anyone quietly asking, am I doing something wrong? If you enjoyed this, we'd love to send you a free copy of our book. You just cover shipping. It has over 1,000 5-star reviews on Amazon. Grab it at: seedtime.com/free.   What We Cover Here's a little of what we cover in this episode: The question almost every Christian asks about money but never says out loud Why your definition of blessed might be working against you The surprising salary that puts you in the top 1% of the world What seed time and harvest reveals about seasons that feel stuck Why adversity is not a sign that God is withholding blessing The advice I come back to every time I don't know what to do next Bible Verses Mentioned Galatians 6:9 Romans 8:28   Resources Mentioned Simple Money, Rich Life (the book)   Disclaimer Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.

Sarah Bundy is a serial entrepreneur, growth strategist, the co-founder of Athena Collective, and host of the For Female Founders podcast. After spending more than 20 years in affiliate and partnership marketing, she built All Inclusive Marketing into a highly respected agency, earning recognition including Company of the Year in British Columbia, Profit 500, Canada's Top 100 Female Entrepreneurs, and Top 40 Under 40.In today's episode, Sarah joins me to share the lessons that helped her build, scale, and successfully exit her company. She shares how she rebuilt herself and her business after having to walk away with just $7 in the bank.Sarah shares the three key skills she used to rebuild her business from the ground up, starting with just one client. She explains what taking “immaculate care” of clients means and how it helped her create opportunities and long-term relationships that fueled her growth.We discuss how to build a strong partnership, identify the right business partners, use complementary strengths, and create a company culture where people can thrive. Sarah also reveals how she eventually found the right values-aligned partner who led to the successful acquisition of her business.Sarah also shares how she identified a major gap in support for female entrepreneurs, built Athena Collective, grew it to more than 1,200 members, and then expanded internationally.Join us today to learn how to build a business around your strengths, choose the right partners, create lasting client relationships, know when to walk away, recover from major setbacks, and build toward a successful exit without sacrificing the people and values that matter most.—-Ready to build your business with better resources, guidance, and a community of female founders?Join Athena Collective and get the support you need to grow with more clarity and less overwhelm.>> https://www.athenacollective.co/—Want more honest conversations and practical lessons from successful women in business?Listen to the For Female Founders podcast for insights on building, scaling, and selling a business.>> https://open.spotify.com/show/598WiBQLFsRgJ5ewkrJfx7?—If this episode lit something inside you, that quiet knowing that you're meant for more, then I want to personally invite you into the most powerful room of the year.ReLaunch To A Rich Life LIVE is a transformative, neuroscience-backed 3-day experience happening September 17–19, 2026 in Scottsdale, Arizona. It's designed for women who are done playing small and ready to step into clarity, confidence, and next-level success, not just in business, but in health, wealth, relationships, and life.This isn't another event, it's a quantum upgrade into the life you're meant to live. Join women who are ready to rewire their identity, elevate their frequency, and claim a Rich Life that feels as good on the inside as it looks on the outside.Learn more and join us in September: https://www.relaunchtoarichlife.com—Visit Sarah Bundy's website: https://www.sarahbundy.com/Connect with Sarah on:Facebook: https://www.facebook.com/share/1F42QmARUv/Instagram: https://www.instagram.com/sarahbundyconnect?Linkedin: https://www.linkedin.com/in/sarahvbundy?—Connect with Hilary:Website: https://therelaunch.com/Instagram: https://www.instagram.com/hilarydecesare/FaceBook: https://www.facebook.com/TheReLaunchCoInterested in being a guest on the ReLaunch Podcast or booking Hilary as a guest? Email us at hello@therelaunch.comFind Us on Your Favorite Podcast App - https://the-silver-lined-relaunch.captivate.fm/listen

What would make your life feel rich? Maybe it's picking your kids up from school every day, taking a month off every summer, traveling with your family, or simply not opening your laptop after bedtime. Your version of a rich life doesn't have to look like anyone else's. It's about getting intentional about the things that bring you the most joy, connection, and freedom, and then figuring out how to create more of them. In this episode, I share the conversation my husband and I had six years ago that changed the way we thought about our time, money, and the life we wanted to create together. I discuss what a rich life actually means and invite you to think about your own unique, rich life. Because your business doesn't have to be the destination. It can be the vehicle that gives you the flexibility, income, and freedom to create the life you actually want. For more information, transcript, and show notes, click here: jenna.coach/119 Join me for a free consultation by clicking here: https://mom.jenna.coach/apply You're invited to join us every 2nd Thursday for my free Mom Entrepreneurs Circle. Sign up here: https://mom.jenna.coach/circle Keep up with me on LinkedIn here: https://www.linkedin.com/in/jenna-rykiel and Instagram here: https://www.instagram.com/jrykiel3 If you enjoy the show, please follow, rate, review, and share the podcast! Your support helps the show reach moms just like you who are ready to quit their 9-to-5 in pursuit of a life and business they love. Click here for instructions on how to leave a review: https://jenna.coach/podcast/podcastlaunch

In this podcast we will be talking about 8 Ways To Live A Rich Life At Home from the philosophy ofHenry David Thoreau . Henry David Thoreau was a 19th-century American philosopher who was a key figure in the Transcendentalist movement.So here are 8 Ways To Live A Rich Life At Home from the philosophy of Henry David Thoreau-  01. Calculate the Real Cost of Your Purchases02. Practice Voluntary Simplicity03. Bring the "Wild" Indoors04. Rely on Yourself05. Find joy in the ordinary06. Stop Trying to Keep Up07. Enjoy Solitude08. Invest in Intellectual PursuitsWe hope you enjoyed listening to this podcast and hope this video, from the philosophy of Henry David Thoreau, helps you in living a rich life at home.Henry David Thoreau was a 19th-century American philosopher who lived when the Industrial Revolution was in full swing, and the fast-paced modern economy as we know it was getting started. As he watched society speed up, Thoreau noticed that people were getting good at making a living, but they were forgetting how to actually live. He wrote that most people lead "lives of quiet desperation." They were stuck in a loop of working and buying, mistakenly thinking that getting more stuff would eventually cure their inner emptiness. Thoreau was a key figure in the Transcendentalist movement, which taught that people are at their best when they trust their own intuition, connect with nature, and rely on themselves rather than conforming to society's expectations. To Thoreau, true wealth was about letting go of unnecessary distractions, finding inner peace, and living by your own values instead of trying to impress other people. To find out what people really need to be happy, Thoreau stepped away from society and moved to a small cabin by Walden Pond. He wanted to live with only the basics and see what was left when he cut out the noise and distractions of everyday life. While he was there, he spent his days observing nature and reflecting on his own thoughts. He wrote about human nature, the dangers of following the crowd, and the peace that comes from living a simple life. These writings later became his famous book, Walden.

Ramit unpacks how to stop overspending, stay out of debt, and start building wealth as this couple confronts the spending habits they thought they had already fixed. Three years ago, Mason and Becca finally confronted a financial reality they had been avoiding. Despite good careers and the appearance of success, they had accumulated nearly $50,000 in credit card debt. They cut back hard, aggressively paid it down, sold their house, and moved to Florida. Now they have around $100,000 from the home sale sitting in savings, but they're worried the same habits that got them into debt are starting to creep back in. They still don't properly track their spending. Shopping, expensive date nights and a large “miscellaneous” category make it difficult to see where their money is actually going, while Mason experiments with day trading and considers ideas for generating passive income. On paper, they're doing far better than they realize: they have around $204,000 invested, $124,000 in savings, and a net worth of roughly $326,000. But without changing how they spend and manage their money, Ramit sees a real risk of them falling back into debt. Ramit helps them figure out what comes after getting out of debt: how to stop mindless spending without giving up the things they love, save and invest intentionally, and start building real wealth. They rethink their plans for an $800,000 dream home, confront the scarcity they both grew up with, and discover how increasing their income and investing more could completely transform their financial future. In this episode, we uncover: How Mason and Becca built nearly $50,000 in credit card debt The conversation that finally forced them to change their spending Why they used a 401(k) loan to aggressively pay down debt How selling their house left them with around $100,000 in cash Why having that much money makes Becca anxious Why they're scared of slipping back into their old spending habits How shopping, expensive date nights, and impulse purchases added up Why they still don't properly track where their money goes How their $3,000 Disney annual passes fit into their Rich Life Why Ramit sees a real risk of them falling back into debt What Ramit sees in Mason's day trading and passive income ideas Why their $326,000 net worth surprises them How Becca's childhood shaped her belief that she would never be rich How Mason grew up seeing money as stress and struggle What they want their son to learn about money Why buying an $800,000 house would require major trade-offs How Ramit helps them rebuild their Conscious Spending Plan Why increasing their income becomes the biggest lever for their future How their retirement projection jumps from around $3.1M to $4.7M How they finally become completely debt-free Chapters: (00:00:00) Introduction (00:02:45) How they built nearly $50K in debt (00:06:39) Using a 401(k) loan to escape debt (00:08:53) Selling their house leaves them with $100,000 (00:11:15) “We just swiped the card” (00:14:37) Their old spending habits start creeping back (00:16:31) They disagree about buying another house (00:24:05) Ramit reviews their financial numbers (00:31:13) Ramit digs into their 71% fixed costs (00:37:30) Day trading and the dream of passive income (00:38:46) How Becca grew up around money (00:47:50) How Mason grew up around money (00:52:43) What they want to teach their son (00:56:41) Ramit starts rebuilding their financial plan (01:07:26) Redirecting their money toward investing (01:11:59) The reality of an $800,000 dream home (01:19:18) Why earning more becomes the priority (01:24:01) Their retirement could reach $4.7 million (01:32:15) Their house timeline changes completely (01:33:25) Mason and Becca become debt-free 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 https://facet.com/ramit to learn more about which membership option is best for you. Offer has been extended to 12/31/2026. #FacetAd Shopify | Start your free trial at https://shopify.com/ramit Wispr Flow | Try Wispr Flow for free at https://wisprflow.ai/ramit MasterClass | For unlimited access to every class and at least 15% off any annual membership, go to https://masterclass.com/ramit If you're ready to stop putting off your money goals, Road to $100K gives you a step-by-step plan to reach your first $100,000, focus on what matters, and accelerate your timeline while building your Rich Life. Join Road to $100K at https://iwt.com/100K Connect with Ramit: • Get my new book, Money For Couples • Join my Rich Life: Road to $100K program • 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

Everyone online is screaming at you about virality, volume, and the next thing you "have to" do to be successful. Kelly is here to make the case for the opposite: becoming a quiet millionaire. In this episode, she draws a hard line between chasing popularity and building something real, and gets honest about the cost of the chase, the marriages, the health, the best years of our lives traded for a highlight reel that doesn't match reality. What's inside: Why the online world confuses popularity with success The ruthless elimination that blows your calendar wide open The four Rs and why 90% of growth happens post-sale The invisible fundamentals that separate 8-figure CEOs from 6-figure ones Timestamps 00:00 — Stepping into your quiet millions era in a loud world 00:25 — The 80-year-old client who put it in all in perspective 02:00 — Why the online world equates success with popularity and dopamine 02:45 — When the desire to climb supersedes stewardship and service 03:05 — Kelly's convictions, and the cost of chasing the highlight reel 05:11 — The blind leading the blind in online business 06:36 — The duality every entrepreneur is trying to hold 06:48 — Tactics vs. fundamentals: why you keep having to work harder 07:39 — Obsessing over getting and keeping a customer (ruthless elimination) 08:24 — The real fundamentals: a sales system is only step one 09:10 — Why 90% of the magic happens after the point of sale (the 5 sale types) 11:03 — The four Rs and the self-fulfilling prophecy of retention 12:38 — Slow burn vs. dopamine: deciding what you're optimizing for 13:07 — Where audience and email-list growth still matter 14:43 — 8-figure CEOs vs. 6-figure entrepreneurs: the invisible fundamentals 16:07 — The referral program you keep abandoning (and the client Kelly had to beg) 17:40 — The activation era and why Kelly is obsessed with Substack 21:30 — Where the magic really happens Resources The Miracle Hour: Kelly's daily sales system; the source of the five core weekly sale types (new customers, reactivations, upsells, referrals, renewals) and the four Rs: https://a.co/d/005jxDF0  The Sacred Art of Selling: Follow Kelly's Substack, where she share about her sales philosophy: https://kellyroachofficial.substack.com/subscribe 

I used to hate everything about our finances. Then one thing changed and paying bills actually became fun. That thing is margin. Margin is the gap between what you earn and what you spend. It might look small, but that gap is where the freedom lives. In this session from our Mission Driven Millionaire cohort, Linda and I dig into why building margin might be one of the most spiritual things you ever do with your money. We look at Joseph in Genesis 41 and how he made a plan before the famine came. We look at the ant in Proverbs 6 and what it teaches us about saving. And we talk about the two ditches: living paycheck to paycheck with no margin, and building bigger barns out of fear. Plus how the Real Money Method helps you create margin so you can say yes when God says go. If you enjoyed this, we'd love to send you a free copy of our book. You just cover shipping. It has over 1,000 5-star reviews on Amazon. Grab it at: seedtime.com/free.   What We Cover Here's a little of what we cover in this episode: The money habit I now believe is one of the most spiritual things you can build Why the gap between what you earn and what you spend is where freedom lives What Joseph knew about abundance that most of us completely miss The two ditches almost everyone falls into with saving money The heartbreaking reason one man had to turn down his calling What the ant can teach you about your bank account The prayer Linda and I prayed the night before this session   Bible Verses Mentioned Genesis 41 Proverbs 6:6-8   Resources Mentioned Mission Driven Millionaire program Real Money Method course Simple Money, Rich Life (the book)   Disclaimer Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.

Welcome to Episode #297This weeks topic: Abundance is your birth right - you were designed to winElizabeth is the voice behind Elizabeth's Magical Garden, where faith and everyday life meet with warmth, honesty, and hope. Through scripture-centered encouragement, Elizabeth invites readers to ask, “What does God say?” and to step out of fear and into God's promises of provision, peace, and purpose. Each message is a gentle call to take the next right step and receive the abundant life God has prepared—are you ready for your abundance?Reclaim your wisdom, power, and liberation that comes with age. change your life - How  you feel about yourself - "affects"your ability to manifest" This episode will help shed some light - on how this new phase of life will change "everything" - Let's learn together.. Live Show ⤵️ on the podcast channelhttps://youtube.com/live/-o-_hlcvyRUPost ➡️ https://www.youtube.com/post/UgkxO3aS9ORb7YffOn1nXFfYGu9-w9g419WOhttp://www.ElizabethMagicalGarden.comCash app me: $Eliz241 Check out the Live show on my youtube channel @Elizabeth magical Garden Podcast E.p. #290

April Beach is the founder and CEO of The Suite Life Company, an industry pioneer in content and expert licensing, and the host of The Suite Life Entrepreneur Podcast. For nearly 30 years, she has helped leaders and established entrepreneurs turn their intellectual property into scalable licensing opportunities with companies, universities, and organizations. In today's episode, April joins me to discuss her biggest business relaunch and how she went from running a successful but exhausting six figure business to building a licensing model that tripled her revenue within 18 months. We dive into what content licensing actually means, how to know if your expertise is ready to be licensed, and how entrepreneurs can turn their courses and other intellectual property into assets that organizations can license and deploy. April reveals what “licensing quick sells” are, including opportunities in the $10,000 to $35,000 range, as well as educational licensing opportunities with universities. April also explains how to sell the same solution to small businesses, mid-sized businesses, and large organizations. We also cover the difference between certification and licensing and how to protect your intellectual property. April also shares a real story about a client who generated a first licensing sale of around $300,000 from a $6,000 workshop. Join us today as we dive into content licensing, creating licensing offers, certification vs. licensing, AI and the future of expertise, and how to design your business around the life you want. —Ready to see if your expertise could become your next revenue stream?Visit April's website and explore April's resources on content licensing, and also join her free Monthly Live Licensing Q&A>> https://www.aprilbeach.com/ —Not sure if your courses, frameworks, or processes are ready to be licensed?Download April's free Licensing Starter Guide and discover how to identify your most valuable intellectual property before you build your next offer. >> https://www.sweetlifepodcast.com/how-to-license-your-course-content-or-program-with-april-beach/ —Want to keep learning how to build a business that scales without consuming your life? Subscribe toThe Suite Life Entrepreneur Podcastfor more conversations on licensing, intellectual property, and sustainable business growth.>> https://www.sweetlifepodcast.com/ —If this episode lit something inside you, that quiet knowing that you're meant for more, then I want to personally invite you into the most powerful room of the year. ReLaunch To A Rich Life LIVE is a transformative, neuroscience-backed 3-day experience happening September 17–19, 2026 in Scottsdale, Arizona. It's designed for women who are done playing small and ready to step into clarity, confidence, and next-level success, not just in business, but in health, wealth, relationships, and life. This isn't another event, it's a quantum upgrade into the life you're meant to live. Join women who are ready to rewire their identity, elevate their frequency, and claim a Rich Life that feels as good on the inside as it looks on the outside. Learn more and join us in September: https://www.relaunchtoarichlife.com —Visit April's Website: https://www.aprilbeach.com/ Connect with April on:Facebook: https://www.facebook.com/AprilBeachSweetLife/Instagram: https://www.instagram.com/aprilbeachlicensing/Linkedin: https://www.linkedin.com/in/aprilbeach/ —Connect with Hilary:Website: https://www.therelaunch.com/Instagram: https://www.instagram.com/hilarydecesare/FaceBook: https://www.facebook.com/TheReLaunchCo Interested in being a guest on the ReLaunch Podcast or booking Hilary as a guest? Email us at hello@therelaunch.com Find Us on Your Favorite Podcast App - https://www.the-silver-lined-relaunch.captivate.fm/listen

Welcome to Episode #296This weeks topic: “God Is Teaching Me How to Build”Elizabeth is the voice behind Elizabeth's Magical Garden, where faith and everyday life meet with warmth, honesty, and hope. Through scripture-centered encouragement, Elizabeth invites readers to ask, “What does God say?” and to step out of fear and into God's promises of provision, peace, and purpose. Each message is a gentle call to take the next right step and receive the abundant life God has prepared—are you ready for your abundance?Reclaim your wisdom, power, and liberation that comes with age. change your life - How  you feel about yourself - "affects"your ability to manifest" This episode will help shed some light - on how this new phase of life will change "everything" - Let's learn together.. Live Show ⤵️ on the podcast channelhttps://youtube.com/live/-o-_hlcvyRUPost ➡️ https://www.youtube.com/post/UgkxO3aS9ORb7YffOn1nXFfYGu9-w9g419WOhttp://www.ElizabethMagicalGarden.comCash app me: $Eliz241 Check out the Live show on my youtube channel @Elizabeth magical Garden Podcast E.p. #290

Ramit Sethi is New York Times bestselling author and founder of I Will Teach You to Be Rich. After 16 years in the personal finance space, Ramit is still teaching people how to set specific goals for themselves and their money. He has a unique way of talking about money and challenges the normal points of view you often hear from other personal finance "gurus". In this episode, Ramit shares tips on how to; save you money, earn more, and live a rich life. In this episode you'll learn: An exercise to help you get specific about your goals and money Ramit's story about going from a free blogger to a paid author and how to prepare yourself for your own journey Why you need to earn more  The CEO model and how you can use it get rich Five phone calls you can make to save $1,000 right now, and more What's New in the Paperback Edition of Your Journey to Financial Freedom: A bonus chapter: When Life Happens: Staying on the Path to Financial Freedom Through Setbacks, Shifts, and Uncertainty A book club and discussion guide with prompts, exercises, and action steps Updated corrections from the original hardcover Exclusive bonuses when you purchase the paperback, including: The Fire Starter Course The Find Your FIRE Number Worksheet Other related blog posts/links mentioned in this episode: Get your paperback edition of Your Journey To Financial Freedom if you haven't already. Apply to Share Your Journeyer Story, here./' Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with Ramit: Website Instagram:@Ramit Facebook: @RamitSethi  Twitter:@Ramit YouTube  Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide  

Serial killing for profit? That's the main, but not only, reason Becket Redfellow embraces his murderous side in How to Make a Killing. From nepotism to absent parents to the unusual names of the rich - we talk about it all!Email us: KillerFunPodcast@gmail.comFollow us on Facebook: fb.me/KillerFunPodcastAll the Tweets, er, POSTS: https://x.com/KillerFunPodInstagram: killerfunpodcast

Lisa Resnick is a speaker, author, and founder of Dandelion Inc., a membership-based community that helps women entrepreneurs grow their businesses while staying grounded in real life. She's the host of the Seed Podcast, a time mastery expert for entrepreneurs, and the author of the book "You're a Mess, But So Is the Universe".In today's episode, Lisa joins me to share her incredible relaunch story and how to navigate unexpected life challenges without losing yourself, your purpose, or your business.Just weeks after celebrating the launch of her first book, Lisa's life took an unexpected turn when she was diagnosed with Stage II breast cancer. She opens up about the emotional uncertainty between testing and diagnosis, the difficult decisions that followed, and how she balances her health with running a business during one of the hardest seasons of her life.Lisa shares the inspiration behind "You're a Mess, But So Is the Universe," and how to achieve greater growth during life's chaos. She also explains her habit of "serial relaunching," and how to spot the difference between healthy reinvention and a perfectionism cycle that stalls real growth.We also explore time management during life's biggest challenges, building strong support systems, finding emotional resilience, and creating a business that can continue even when life doesn't go according to plan.Join us today as we discuss serial relaunching, navigating uncertainty, breast cancer risk factors every woman should know, balancing health and entrepreneurship, and much more.—-To dive deeper into the mindset and lessons that carried Lisa through her worst moments, check out her book, You're a Mess, But So Is the Universe,>> https://www.amazon.com/Youre-Mess-But-Universe-Beautifully/dp/1968485767—If this episode lit something inside you, that quiet knowing that you're meant for more, then I want to personally invite you into the most powerful room of the year.ReLaunch To A Rich Life LIVE is a transformative, neuroscience-backed 3-day experience happening September 17–19, 2026 in Scottsdale, Arizona. It's designed for women who are done playing small and ready to step into clarity, confidence, and next-level success, not just in business, but in health, wealth, relationships, and life.This isn't another event, it's a quantum upgrade into the life you're meant to live. Join women who are ready to rewire their identity, elevate their frequency, and claim a Rich Life that feels as good on the inside as it looks on the outside.Learn more and join us in September: relaunchtoarichlife.com—Visit Lisa Resnick's Website: https://lisaresnick.com/Connect with Lisa on:Facebook: https://www.facebook.com/share/19HkHf2Ubq/Instagram: https://www.instagram.com/dandelionincllcLinkedin: https://www.linkedin.com/in/dandelion-inc—Connect with Hilary:Website: https://therelaunch.com/Instagram: https://www.instagram.com/hilarydecesare/FaceBook: https://www.facebook.com/TheReLaunchCoInterested in being a guest on the ReLaunch Podcast or booking Hilary as a guest? Email us at hello@therelaunch.comFind Us on Your Favorite Podcast App - https://the-silver-lined-relaunch.captivate.fm/listen.

Ramit Sethi of I Will Teach You To Be Rich speaks with Nicole and Drew, 39 and 40, who are expecting their first child in just two weeks. They split their time between Southern California and Maui, where they each own a home. Nicole bought her house after Drew made it clear that continuing to stay with roommates was not an option. Today, they earn $296,700 a year, own $1.25 million in assets, and have a net worth of more than $500,000. But their two homes consume over 40% of their income, and once their numbers are corrected, their fixed costs rise to 85%. Despite their high income, they feel unable to eat out, attend concerts, or enjoy the life they have worked to build. Nicole is a psychology professor who plans everything down to the dollar and worries about having enough savings. Drew is a life coach and therapist-in-training who admits that she often goes by “vibes” and trusts that things will work out. With a baby arriving and their savings falling, they must decide whether Drew can realistically double her income or whether they need to sell the Maui house. In this episode, we uncover: • Why Nicole bought a house within months of Drew's housing non-negotiable • How they ended up supporting two homes in two different states • Why earning nearly $297,000 still leaves them feeling financially trapped • Their $1.25 million in assets and nearly $1 million of debt • Why their fixed costs jumped from 77% to 85% • How their two homes consume more than 40% of their income • Nicole's numbers-first approach and Drew's habit of going by “vibes” • How grad school, flooding, and a $29,000 sewer repair drained their savings • Why the baby may not increase their expenses as much as expected• How Nicole's sabbatical gives them a temporary financial window • Why their Maui house is co-owned without a clear written agreement • Whether Drew can realistically double her income after graduating • Why depending on one future income increase is a major financial risk• How selling the Maui house could release around $150,000 • Why selling could reduce their fixed costs to approximately 65% • How they could keep Maui in their lives without owning property there • How they can build a plan that does not require everything to go perfectly • Why “spaciousness” becomes the center of their new Rich Life vision • The decision Ramit believes they need to make before their savings fall further Chapters (00:00:00) Introduction (00:03:09) Two homes in two different states (00:07:03) Nicole kept her housing costs at just 12% (00:08:18) Drew's housing non-negotiable changed everything (00:14:43) Nicole tracks the numbers, Drew goes by “vibes” (00:21:26) What does their Rich Life actually look like? (00:24:47) Ramit reviews their Conscious Spending Plan (00:25:53) $1.25 million in assets and $986,000 of debt (00:28:15) They earn $296,700 but still feel squeezed (00:29:46) Their fixed costs are higher than they realised (00:32:50) Two homes consume 40.5% of their income (00:34:50) Grad school, flooding, and expensive home repairs (00:40:16) Their real fixed costs jump to 85% (00:45:19) Can they afford their new baby? (01:06:01) Drew's “life will provide” money mindset (01:12:00) Are they actually on track for retirement? (01:24:39) Ramit reveals their retirement projections (01:33:19) Selling could reduce their fixed costs to 65% (01:50:07) Redefining their Rich Life around “spaciousness” (01:53:04) Ramit's final assessment This episode is brought to you by: Factor | Head to https://factormeals.com/ramit50off and use code RAMIT50OFF to get 50% off and one free breakfast item per box for one year, while supplies last until 10/31/2026. See website for more details. Gusto | Try Gusto at http://gusto.com/ramit and get 3 months free when you run your first payroll LMNT | Get a free LMNT Sample Pack with any order at https://drinklmnt.com/RAMIT Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 20% off  DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout If you're part of a small group listening to this podcast that is willing to take action, I built Road to $100K for you - a step-by-step program on how to reach $100K. Join Rich Life: Road to $100K at iwt.com/100K. Connect with Ramit • Get my new book, Money For Couples • Join my Rich Life: Road to $100K program • 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

Have a question, feedback, or an idea for a future episode? Contact YFP Wealth at info@yfpwealth.com. To learn more about fee-only financial planning services for pharmacists, visit yfpwealth.com.This podcast is for informational purposes only and should not be considered investment or financial advice. Visit yfpwealth.com/disclaimer for more information.

Shamina Taylor is a former lawyer turned wealth mindset coach, bestselling author of "Unlocking the Quantum Woman," and host of the podcast "Unapologetically Rich." Her mission is to help women uncover the subconscious patterns holding them back from emotional freedom and financial abundance. In today's episode, Shamina shares the exact framework she uses to help women break through income ceilings and hit their highest cash months, sometimes in as little as 56 days. She shares the powerful story of the breaking point that cracked her life wide open and led her to rebuild herself from the ground up. Shamina explains her signature methodology, the "Power Pattern," and breaks down how core wounds like unworthiness, betrayal, and abandonment quietly drive our behavior, relationships, and even our bank accounts. She also explains how to reveal the old stories that run your life without your awareness. You will understand how to finally stop reacting and start responding with control. Shamina also explains how to move out of survival mode and into genuine abundance. We also talk about how to raise emotionally intelligent kids who process instead of suppress, how to release shame around success and visibility, and how to reclaim your confidence and your next chapter at any age or stage of life. Join us today to learn how to identify your core wound, break your money ceiling, master your triggers, raise emotionally stable kids, and start building the wealthy, abundant life you actually want. —Get a copy of ‘Unlocking the Quantum Woman' and complete the journaling prompts to identify your subconscious patterns, heal emotional blocks, and create lasting personal and financial transformation. >> https://www.amazon.com.be/-/en/Shamina-Taylor/dp/B0DK36D7L7 Tune in to the Unapologetically Rich Show by Shamina Taylor for deeper conversations on emotional mastery, abundance, wealth consciousness, and personal growth. >> https://podcasts.apple.com/us/podcast/the-unapologetically-rich-show-with-shamina-taylor/id1667347023 Send "relaunch" to @sheminataylor on Instagram to receive Shamina's Fast Cash Frequency program for free. —If this episode lit something inside you, that quiet knowing that you're meant for more, then I want to personally invite you into the most powerful room of the year. ReLaunch To A Rich Life LIVE is a transformative, neuroscience-backed 3-day experience happening September 17–19, 2026 in Scottsdale, Arizona. It's designed for women who are done playing small and ready to step into clarity, confidence, and next-level success, not just in business, but in health, wealth, relationships, and life. This isn't another event, it's a quantum upgrade into the life you're meant to live. Join women who are ready to rewire their identity, elevate their frequency, and claim a Rich Life that feels as good on the inside as it looks on the outside. Learn more and join us in September: https://www.relaunchtoarichlife.com —Visit Shamina Taylor's Website: https://www.shaminataylor.com/ Connect with Shamina on: Facebook: https://www.facebook.com/shaminataylorInstagram: https://www.instagram.com/shaminataylor/?hl=enLinkedin: https://www.linkedin.com/in/shamina-taylor-318473162/ —Connect with Hilary:Website: https://therelaunch.com/Instagram: https://www.instagram.com/hilarydecesare/FaceBook: https://www.facebook.com/TheReLaunchCo Interested in being a guest on the ReLaunch Podcast or booking Hilary as a guest? Email us at hello@therelaunch.com Find Us on Your Favorite Podcast App - https://the-silver-lined-relaunch.captivate.fm/listen

Ramit Sethi of I Will Teach You To Be Rich speaks with Sana and Arhem, both 27 and newly married. One month before their wedding, Arhem revealed that he had hidden $30,000 of credit card debt. After they both lost their jobs, Sana discovered that he had fallen even further into debt without telling her. Today, they earn $188,000 a year and have created an aggressive plan to tackle their $165,000 of total debt. But while their numbers are improving, the betrayal has fundamentally changed their relationship. Sana has become the financial orchestrator, while Arhem feels like a student trying to prove that he can be trusted again. In this episode we uncover: • Why Arhem hid $30,000 of credit card debt before their wedding • How Sana discovered that the debt had grown again • Why the financial betrayal nearly ended their relationship • How they are rebuilding trust after years of secrecy • Their professor-and-student dynamic with money • Why Sana feels responsible for supporting her entire family • How cultural expectations shape her financial decisions • Their $188,000 income and $165,000 of total debt • Why their highly organized financial system still feels joyless • How Arhem accumulated his credit card debt • Why earning more money will not stop Sana from worrying • The danger of postponing happiness until they are debt-free • Why their debt payoff plan may be too aggressive • The connection between joint finances and rebuilding trust • Why Ramit recommends couples therapy • How they can start prioritizing their marriage • The changes Sana and Arhem made after the conversation Chapters: (00:00:00) Introduction (00:03:09) Arhem hid $30,000 of debt before their wedding (00:08:06) “If things don't change, the relationship is done” (00:12:40) Can Sana ever completely trust Arhem again? (00:15:26) Their professor-and-student money dynamic (00:17:35) Why Sana feels responsible for supporting her family (00:28:18) Their $165,000 debt and negative net worth (00:30:27) They earn $188,000—but live like they're struggling (00:35:12) “When do I actually get to enjoy my life?” (00:46:26) Sana's childhood money rules (00:56:26) How Arhem accumulated his credit card debt (01:04:02) What does their Rich Life actually look like? (01:09:14) Why their relationship keeps coming second (01:17:53) Ramit reviews their aggressive debt payoff plan (01:21:46) Why they need to start spending on joy now (01:29:47) Joint finances, trust, and couples therapy (01:36:35) Putting their marriage ahead of everyone else (01:47:33) Sana and Arhem's biggest realizations (01:55:02) Six weeks later: what changed? This episode is brought to you by: Fabric by Gerber Life | Go to meetfabric.com/RAMIT and apply today, risk-free Wispr Flow | Try Wispr Flow for free at wisprflow.ai/ramitDeleteMe | 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 If you're part of a small group listening to this podcast that is willing to take action, I built Road to $100K for you - a step-by-step program on how to reach $100K. Join Rich Life: Road to $100K at iwt.com/100K. Connect with Ramit • Get my new book, Money For Couples • Join my Rich Life: Road to $100K program • 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

We just sold the 100,000th copy of a book I almost didn't write. Back in school, English was my worst subject. Teachers basically told me writing wasn't for me. So when I felt God nudging me to write Simple Money, Rich Life, I pushed back hard. I even hired someone else to write it for me. But God kept saying, "You need to write this." What came next was four years of prayer, a COVID curveball, a publisher who scrapped our whole concept, and an editing process that nearly wrecked us. Sales started slow. Then the ad budget got pulled. I walked around a lake 100 times asking God if it was over. Then things slowly started to turn. This is the behind the scenes story of how a book about biblical money, giving, and stewardship reached 100,000 copies sold. It is really the story of 100,000 answered prayers. If you enjoyed this, we'd love to send you a free copy of our book. You just cover shipping. It has over 1,000 5-star reviews on Amazon. Grab it at: seedtime.com/free.   What We Cover Here's a little of what we cover in this episode: The reader message that brought us to tears Why I almost let someone else write the whole book The prayer habit we started before any of this made sense The publisher demand that felt like losing an arm What Mark Batterson told me that changed how I measure success The lowest moment, and the lake I walked around 100 times The simple thing we started doing with every book we shipped What 100,000 copies really represents   Bible Verses Mentioned Hebrews 11:1 Exodus 4:10 1 Corinthians 1:27 Acts 19:11-12 Matthew 25:21   Resources Mentioned Simple Money, Rich Life True Financial Freedom   Disclaimer Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.

Tracy Phillips is an Emmy-nominated video and visibility expert and the founder of Tested Magical, a done-for-you video testimonial service that helps businesses turn authentic client stories into trust-building, revenue-driving assets. With more than 26 years of video production experience and a background in documentary storytelling, Tracy helps experts, founders, and teams use video not just to be seen, but to be trusted and chosen.In today's episode, Tracy joins me to unpack why authentic, human video matters more than ever in a world flooded with "AI slop" and how showing up imperfectly can help you build stronger relationships with potential clients.We dive deep into Tracy's journey, how she overcame her fear of being on camera, and the mindset shifts that made her transition from spending more than 20 years behind the camera to becoming the face of her own business possible.Tracy also shares practical strategies for creating consistent video content, using AI as a brainstorming tool without losing authenticity, and avoiding the biggest mistakes business owners make when trying to build visibility online.She also explains the power of video testimonials, why they outperform written reviews, how many testimonial videos every business should have, and where to place them on a website to increase trust and conversions.Join us today as we dive into overcoming the fear of being on camera, embracing authenticity over perfection, building trust through video, using AI the right way, and creating content that helps your audience know, like, trust, and ultimately choose you.—-Visit https://testimagical.com/ to learn how Tracy and her team help businesses create authentic testimonial videos that drive credibility, conversions, and growth.—If this episode lit something inside you, that quiet knowing that you're meant for more, then I want to personally invite you into the most powerful room of the year.ReLaunch To A Rich Life LIVE is a transformative, neuroscience-backed 3-day experience happening September 17–19, 2026 in Scottsdale, Arizona. It's designed for women who are done playing small and ready to step into clarity, confidence, and next-level success, not just in business, but in health, wealth, relationships, and life.This isn't another event, it's a quantum upgrade into the life you're meant to live. Join women who are ready to rewire their identity, elevate their frequency, and claim a Rich Life that feels as good on the inside as it looks on the outside.Learn more and join us in September: relaunchtoarichlife.com—Visit Tracy Phillips' Website: https://testimagical.com/Connect with Tracy on:Facebook: https://www.facebook.com/share/1BboqEBQiw/Instagram: https://www.instagram.com/testimagical?Linkedin: https://www.linkedin.com/in/testimagical?—Connect with Hilary:Website: https://therelaunch.com/Instagram: https://www.instagram.com/hilarydecesare/FaceBook: https://www.facebook.com/TheReLaunchCoInterested in being a guest on the ReLaunch Podcast or booking Hilary as a guest? Email us at hello@therelaunch.comFind Us on Your Favorite Podcast App - https://the-silver-lined-relaunch.captivate.fm/listen

In this episode, Adam Torres interviews Jeff Richfield, Founder of The Rich Life, about entrepreneurship, faith, business growth, and his transition from building wealth to pursuing a mission centered on health and wellness. Big thanks to Shawn Garrity, Founder of Circle and SEICon and Brad Turner, Founder & CEO at Marketing Completion Fund & Investor Conference News for inviting Las Vegas Live to SEICon! Follow Adam on Instagram at https://www.instagram.com/askadamtorres/ for up to date information on book releases and tour schedule. Apply to be a guest on our podcast: https://missionmatters.lpages.co/podcastguest/ Visit our website: https://missionmatters.com/ More FREE content from Mission Matters here: https://linktr.ee/missionmattersmedia Learn more about your ad choices. Visit podcastchoices.com/adchoices

Lisa Garr is an Emmy nominated host, serial entrepreneur, story coach, and founder of Standing Room Only. For over 20 years, she has been the creator and host of The Aware Show, a nationally syndicated radio show and podcast featuring leading voices in health, science, consciousness, and personal transformation.Lisa shares what she experienced during her out of body near death experience, the recovery that followed, and how rebuilding her brain led her to discover an unexpected psychic ability she still uses today.We dive into what it really means to relaunch after life knocks you off course, including how to get curious, how to change your perspective, and how to stop undervaluing yourself.Lisa also shares her philosophy on the power of storytelling after interviewing over 5,000 guests, breaking down her three part formula for unpacking anyone's story. She explains how to keep a story authentic even after telling it hundreds of times, and why every story deserves to be told.Join us today as we dive into healing after trauma, rediscovering your voice, valuing yourself in business, the art of storytelling, longevity medicine, embracing AI as a tool for growth, and much more.—-Ready to share your story, or do you want to work with Lisa? Visit her website >> https://www.theawareshow.com/coaching—If this episode lit something inside you, that quiet knowing that you're meant for more, then I want to personally invite you into the most powerful room of the year.ReLaunch To A Rich Life LIVE is a transformative, neuroscience-backed 3-day experience happening September 17–19, 2026 in Scottsdale, Arizona. It's designed for women who are done playing small and ready to step into clarity, confidence, and next-level success, not just in business, but in health, wealth, relationships, and life.This isn't another event, it's a quantum upgrade into the life you're meant to live. Join women who are ready to rewire their identity, elevate their frequency, and claim a Rich Life that feels as good on the inside as it looks on the outside.Learn more and join us in September: https://www.relaunchtoarichlife.com—Visit Lisa Garr's Website: https://www.theawareshow.com/coachingConnect with Lisa on:Facebook: https://www.facebook.com/HostLisaGarr?Instagram: https://www.instagram.com/lisagarrhostLinkedin: https://www.linkedin.com/in/lisagarr—Connect with Hilary:Website: https://therelaunch.com/Instagram: https://www.instagram.com/hilarydecesare/FaceBook: https://www.facebook.com/TheReLaunchCoInterested in being a guest on the ReLaunch Podcast or booking Hilary as a guest? Email us at hello@therelaunch.comFind Us on Your Favorite Podcast App - https://the-silver-lined-relaunch.captivate.fm/listen

If you've ever left a retreat, conference, coaching session, or even finished a great book feeling like your life was about to change...Only to find yourself doubting everything a few days later,I want you to know there's nothing wrong with you.In today's episode, I'm introducing a powerful concept I call the Identity Growth Hangover. It's the emotional and mental crash that happens after a breakthrough.I explain why your brain naturally resists change, why discomfort doesn't mean you're on the wrong path, and what actually needs to take place before lasting transformation can happen.I walk you through the four stages of identity transformation, the neuroscience behind why we fall back into old patterns, and the secret ingredient that creates a new identity.You'll learn my 3HQ Framework, reflection exercises, and how to turn your discomfort into your greatest breakthroughs.Later in this episode, I'm joined by several incredible women from my coaching community who share how they've experienced Identity Growth Hangovers in their own lives, including Adriana Stanton, Jennifer Levy, Karen Hart, Sarah Potekhen, Karen Romine, Michelle Meyers, Angela Cox, and Christy.Together, we talk about setting boundaries, overcoming fear, stepping into a new identity, and what it really looks like to keep moving forward even when growth feels uncomfortable.Join me today as we dive into the Identity Growth Hangover, rewiring your brain for lasting success, overcoming self-doubt, building a new identity through repetition, recognizing when resistance is actually a sign of growth, and so much more.—If this episode lit something inside you, that quiet knowing that you're meant for more, then I want to personally invite you into the most powerful room of the year.ReLaunch To A Rich Life LIVE is a transformative, neuroscience-backed 3-day experience happening September 17–19, 2026 in Scottsdale, Arizona. It's designed for women who are done playing small and ready to step into clarity, confidence, and next-level success, not just in business, but in health, wealth, relationships, and life.This isn't another event, it's a quantum upgrade into the life you're meant to live. Join women who are ready to rewire their identity, elevate their frequency, and claim a Rich Life that feels as good on the inside as it looks on the outside.Learn more and join us in September: relaunchtoarichlife.com—Connect with Hilary on:Website: https://therelaunch.com/Instagram: https://www.instagram.com/hilarydecesare/FaceBook: https://www.facebook.com/TheReLaunchCoInterested in being a guest on the ReLaunch Podcast or booking Hilary as a guest? Email us at hello@therelaunch.comFind Us on Your Favorite Podcast App - https://the-silver-lined-relaunch.captivate.fm/listen

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Dave Sanderson is a leadership speaker, resilience expert, bestselling author, and founder of Resilience Partners Group. He is best known as the last passenger off US Airways Flight 1549, the "Miracle on the Hudson," and has spent years helping leaders and organizations navigate crises, uncertainty, and high-pressure decision-making.In today's episode, Dave joins me to share the incredible story of surviving the Miracle on the Hudson. He takes us inside the final 208 seconds before the plane landed in the Hudson River, the decisions that saved lives, and why he chose to help others instead of escaping first.We dive into the mindset required to stay calm during life's biggest challenges and discuss how adversity can become a catalyst for purpose, growth, and lasting transformation.Dave also shares how surviving the crash completely changed the way he viewed success, leadership, and his career. He explains why he walked away from a successful corporate job, how to recognize your own "I'm done" moment, and the four freedoms everyone should pursue to build a more meaningful life.Join us today as we dive into building resilience, making better decisions under pressure, overcoming fear and uncertainty, finding your purpose after setbacks, taking the next best step when life feels overwhelming, discovering your unique advantage, and much more.—Take Dave's free resilience assessment and learn more about his coaching, speaking, and leadership resources >> https://resiliencepartnersgroup.com—If this episode lit something inside you, that quiet knowing that you're meant for more, then I want to personally invite you into the most powerful room of the year.ReLaunch To A Rich Life LIVE is a transformative, neuroscience-backed 3-day experience happening September 17–19, 2026 in Scottsdale, Arizona. It's designed for women who are done playing small and ready to step into clarity, confidence, and next-level success, not just in business, but in health, wealth, relationships, and life.This isn't another event, it's a quantum upgrade into the life you're meant to live. Join women who are ready to rewire their identity, elevate their frequency, and claim a Rich Life that feels as good on the inside as it looks on the outside.Learn more and join us in September: relaunchtoarichlife.com—Visit Dave Sanderson's Website: https://davesandersonspeaks.com/Connect with Dave on:Facebook: https://www.facebook.com/DaveSandersonSpeaks/Instagram: https://www.instagram.com/davesandersonspeaks/Linkedin: https://www.linkedin.com/in/hiredavesanderson—Connect with Hilary:Website: https://therelaunch.com/Instagram: https://www.instagram.com/hilarydecesare/FaceBook: https://www.facebook.com/TheReLaunchCoInterested in being a guest on the ReLaunch Podcast or booking Hilary as a guest? Email us at hello@therelaunch.comFind Us on Your Favorite Podcast App - https://the-silver-lined-relaunch.captivate.fm/listen

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

Reposted here is my interview on Anna Fata Shemin's wonderful podcast, the Gravitas Podcast. Sign up, follow her incredibly thoughtful work: https://open.spotify.com/episode/432S3SNi56e0njlHgjAa1B?si=nT910BvxRO6Y267cdG-IuA---"Old money" is more than a TikTok aesthetic trend. There are real lessons to learn from the families who cultivate generational wealth, and they go far beyond the money.This week I sit down with Bogumil Baranowski, a Polish-born investor who came to New York to live the American dream and has spent two decades managing wealth for families. He's the author of four books, a TEDx speaker, and the host of the podcasts Talking Billions and co-host of 100 Year Thinkers.We talk about his childhood in communist Poland and how it influenced his career as an investor and Warren Buffett devotee. We discuss stewardship and how lasting family wealth has less to do with trust funds and more to do with family culture. He also discusses how money is not a prerequisite for living a truly rich life.Links from this episode:

Grab our brand new prayer book here: https://shop.sdti.me/products/30-days-of-prayer-for-your-finances The first time I prayed a prayer I thought might be selfish, I was 20 years old and brand new in my faith. God said yes. I spent the next seven months refusing to accept the answer because I could not believe He had actually said it. Years later I prayed a different prayer, this one about our mortgage. The answer came back in a way I never would have written. Ten months later the mortgage was gone. In this episode Linda and I get into the four reasons most Christians do not pray about money (and why all four are wrong), the five categories of prayer most of us have never named, the moment Linda figured out she could unload on God the same way she unloads on me, the prayer Joshua prayed that should reframe how bold we are willing to be, and the comment one woman left on our Instagram about a 'lowercase g' God that I have not been able to shake.   WHAT WE COVER IN THIS EPISODE Here's a little of what we cover in this episode: The four reasons Christians don't pray about money (and why all four are wrong) The selfish-feeling prayer Bob fought against for seven months before accepting God's yes The five categories of prayer most of us have never named for our finances What Joshua's prayer in the Bible has to do with how boldly we should pray The Instagram comment about a 'lowercase g' God that has stuck with us Why God redirected the mortgage prayer toward tripling our giving instead What letting your kids barge into your office reveals about how we are meant to approach God The one-sentence prayer challenge to take this week   BIBLE VERSES MENTIONED Philippians 4:6 James 4:2-3 Joshua 10 (referenced — Joshua praying for the sun to stand still) 1 Thessalonians 5:17 Matthew 6:11 James 1:5 James 3:17 1 Thessalonians 5:18 Matthew 6:24 Psalm 24:1   RESOURCES MENTIONED 30 Days of Prayer for your Finances Simple Money, Rich Life (the book)   DISCLAIMER Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.

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

In this episode, I'm sharing the money beliefs that have completely changed the way I live, create, spend, receive, and run my business. We're talking about money as a mirror, your mind as your number one asset, and using money to get your time back. This episode is for you if you're ready to question the money stories you inherited and start relating to money from more freedom, trust, and possibility. If you're interested in working together, book a call HERE. Can't wait to chat! Business Synergetics is a one-on-one experience where we use Gene Keys and Human Design to look at your business as its own entity—details and sign-up are here: itsambersmith.com/synergetics If you want to follow along with what I'm writing and thinking in real time, subscribe to my Substack, The Way of Abundance. HERE If you want to build your business from abundance, alignment, and your actual design, you can join the House of Abundance here: itsambersmith.com/house If you're ready to shift into miracle-minded living and create from a higher level of awareness, you can join Miracle Mind here: itsambersmith.com/miracle-mind If you're ready to build a business that resonates at the deepest level, my private client program Resonance is now open HERE. The Lightning Alignment Journal: https://a.co/d/iiBnzAJ Gain access to my book Quiet Wealth at: https://a.co/d/aCoGl8N

We all have people in our lives who either elevate us or drain us.The problem is that most of us don't realize just how much our relationships influence our confidence, energy, success, and ability to grow.You may be feeling stuck, exhausted, frustrated, or wondering why you're not making the progress you know you're capable of making. Sometimes the answer isn't another strategy, goal, or productivity hack. It's the people surrounding you every day.In today's episode, I break down exactly how to identify the relationships that are fueling your growth and the ones that may be quietly holding you back.I share powerful exercises to help you recognize energy-giving and energy-draining relationships, better understand your own mindset, and become more intentional about who you allow to influence your life and business.I also teach you how to use my Three HQ framework to understand how your thoughts, emotions, and energy shape the relationships you attract and the results you create.I'm also joined by a few participants who share some of their current relationship and life challenges that you might resonate with, and I explain how to overcome these obstacles.You'll learn how to stop people-pleasing, overcome visibility blocks, strengthen your self-awareness, and build magnetic relationships that support your goals instead of sabotaging them.Join me today to learn how to remove energy drains, strengthen your relationships, and surround yourself with people who help elevate every area of your life.—If this episode lit something inside you, that quiet knowing that you're meant for more, then I want to personally invite you into the most powerful room of the year.ReLaunch To A Rich Life LIVE is a transformative, neuroscience-backed 3-day experience happening September 17–19, 2026 in Scottsdale, Arizona. It's designed for women who are done playing small and ready to step into clarity, confidence, and next-level success, not just in business, but in health, wealth, relationships, and life.This isn't another event, it's a quantum upgrade into the life you're meant to live. Join women who are ready to rewire their identity, elevate their frequency, and claim a Rich Life that feels as good on the inside as it looks on the outside.Learn more and join us in September: relaunchtoarichlife.com—Connect with Hilary on:Website: https://therelaunch.com/Instagram: https://www.instagram.com/hilarydecesare/FaceBook: https://www.facebook.com/TheReLaunchCoInterested in being a guest on the ReLaunch Podcast or booking Hilary as a guest? Email us at hello@therelaunch.comFind Us on Your Favorite Podcast App - https://the-silver-lined-relaunch.captivate.fm/listen

Mike Tyson made $400 million and ended up $23 million in debt. A janitor named Ronald Reed made minimum wage his whole career and left $8 million to charity. The difference had nothing to do with income — and everything to do with one rule. That's where this conversation starts. Linda and I were guests at a church for their "Money Talks" series and the questions were so good we wanted to bring this to the podcast. We walk through the John Wesley framework we based our whole book on (make all you can, save all you can, give all you can — and enjoy it), the one number that tells you whether you're moving forward or backward financially, why net worth is actually the wrong thing to track as a Christian, the "Never 100 Rule" that changed everything for us, the one-category budget that works when every other budget fails, and what happened when we started giving in a way that felt irresponsible but resulted in our mortgage being paid off in three years. If you enjoyed this, we'd love to send you a free copy of our book — you just cover shipping. It has over 1,000 5-star reviews on Amazon. Grab it at seedtime.com/free.   WHAT WE COVER IN THIS EPISODE Here's a little of what we cover in this episode: Why "net worth" is actually the wrong metric for Christians — and what to track instead The one number that tells you whether you're moving forward or backward financially right now The Never 100 Rule: the single rule that makes all the difference between building wealth and staying stuck Why Mike Tyson went broke (and what it has to do with your budget) The one-category budget — why it gets 80% of the results of full budgeting with 20% of the effort Why willpower-based budgeting always fails — and what to do instead The giving account that made generosity actually fun (instead of a guilt trip) What Bob and Linda would tell their 19-year-old selves about money How to handle money differently when you and your spouse are total opposites   BIBLE VERSES MENTIONED 2 Corinthians 9:6-7 2 Corinthians 8-9 Proverbs (referenced as a daily reading practice — one chapter per day)   RESOURCES MENTIONED Simple Money, Rich Life (the book) Assets Under Management free resource   DISCLAIMER Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.

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

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

Ramit Sethi of I Will Teach You To Be Rich talks to 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