Christina is 37 and Noah 35. They’re married with one young son and another on the way. They earn a very high income, but their decisions are clouded by stress over money and over the future. Noah plays dream crusher while Christina spins them down a rabbit hole of negative outcomes. This episode is brought to you by: Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Trust & Will | Secure your assets and protect your loved ones. Get 10% off plus free shipping on your estate plan documents by visiting https://trustandwill.com/ramit LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. Next Level Wardrobe | Dress like an elevated version of you. Take a free styling quiz at https://nextlevelwardrobe.com/ramit.  Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Geena is 44 and James 39. They live in Brooklyn where she works as a corporate attorney and he’s a freelance musician—resulting in a 10x income disparity. They travel a lot, but do they invest enough to retire with the lifestyle they want? And does James bring enough to their relationship? This episode is brought to you by: Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit. Mint Mobile | To get your new wireless plan for just $15 a month, go to https://mintmobile.com/ramit. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. Babbel | For our listeners only, get 60% off your Babbel subscription at https://Babbel.com/ramit. Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. Links mentioned in this episode • Join Earnable Live • “My boyfriend is perfect… except he’s broke” (Part 1) #64 • “I make $200k/month. He makes $2k. Who pays for dates” (Part 2) #65 Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Taylor is 39 and Steve is 42. They're married and live in New York City. Steve lost his job years ago, but has coasted without getting serious about his career. Taylor’s done the opposite—and now she’s ready to buy a home. Does Steve have what it takes to make a change for their future? This episode is brought to you by: Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today. Grammarly | Easier said? Done. Save time with one click. Sign up and download for free at https://grammarly.com/ramit  Trust & Will | Secure your assets and protect your loved ones. Get 10% off plus free shipping on your estate plan documents by visiting https://trustandwill.com/ramit   Links mentioned in this episode • Sign up for my free "How to build a second income stream" webinar on July 15th • “We panic over money—but spend $84K/year on travel and shopping” #162 • “Our gas is about to get shut off, but I refuse to sell any of my 7 cars” #151  Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

James and Nicole, 42 and 44, just had a second baby—but they weren’t prepared for the additional costs associated with a growing family. They spend 90% of what they make and struggle to afford childcare. Nicole’s maternity leave is ending – how will she balance work and raising an infant?  This episode is brought to you by: Netsuite | Get visibility to everything in your business one one place. Sign up and defer payments, with no interest, for six months at https://iwt.com/netsuite. Superhuman | Get a free month of lightning fast email at https://try.sprh.mn/ramitsethi. Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit. Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • 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 • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Paul, 33, and Maddie, 29, joined us in New York City for a live-recorded episode. She is a high earner, but worries about lifestyle creep. He recently left his job, and they’re treading water on one income. This episode is brought to you by: Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit. Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • 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 • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Jim and Dana are 58, five years into their second marriages, and coping with changes in their new lifestyle in different ways. Jim is set on providing as he follows patterns from his past, hiding tens of thousands in debt. Dana daydreams of her past in California—and the lifetime of alimony she passed up.  This episode is brought to you by: Superhuman | Get a free month of lightning fast email at https://try.sprh.mn/ramitsethi. Mint Mobile | To get your new wireless plan for just $15 a month, go to https://mintmobile.com/ramit. Claritin | Visit https://claritin.com right now for a discount so you can get allergy relief and live Claritin Clear. Babbel | For our listeners only, get 60% off your Babbel subscription at https://Babbel.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Links mentioned in this episode • Socioeconomic mobility in the United States (Wikipedia) Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • 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 • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Live in NYC, Carlos and Amanda, 36 and 28, join the show to talk through a recurring issue in their relationship—her earning ability vs. the possibility of staying home with their kids. They recently moved out on their own and Carlos is in school to put himself in position for a higher income. This episode is brought to you by: ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today. Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit. Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. Links mentioned in this episode • Can combining finances lead to long-lasting love? (Cornell Research) Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • 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 • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Caleb and Alex are both 27. They have one young child and foster two sisters, both of whom they intend to adopt soon. As children themselves, Caleb and Alex were immersed in missionary work in South America—an influence that colors how they see, feel, and act with money. This episode is brought to you by: Viator | Download the Viator app and use code VIATOR10 for 10% off your first travel experience with Viator. Netsuite | Get visibility to everything in your business one one place. Sign up and defer payments, with no interest, for six months at https://iwt.com/netsuite. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit. Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • 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 • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Rob and Adrienne are nearing retirement but worried about having enough. In Part 2, we dig into their Conscious Spending Plan to reveal a massively successful investment strategy that remains shrouded by deep lingering fears, $3 questions, and hard-to-break bad habits with money. This episode is brought to you by: Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Hatch | A million things don’t want you to sleep, Hatch does. Get $20 off a Hatch Restore at https://hatch.co/ramit. Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. Superhuman | Get a free month of lightning fast email at https://try.sprh.mn/ramitsethi. Links mentioned in this episode • “We spent $80,000 more than we made last year” (Part 1) Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • 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 Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Adrienne and Rob are 59 and 62, and they are overcome with worry over whether or not they’ve amassed enough wealth to live comfortably, and apply Rich Life principles, in their retirement years. Adrienne’s head is in the clouds—dreamy and full of color. Rob lives in his (physical!) spreadsheets.  This episode is brought to you by: Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. Claritin | Visit https://claritin.com right now for a discount so you can get allergy relief and live Claritin Clear. Babbel | For our listeners only, get 60% off your Babbel subscription at https://Babbel.com/ramit. Mint Mobile | To get your new wireless plan for just $15 a month, go to https://mintmobile.com/ramit. Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • 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 • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

In the second half of this live-recorded conversation with Paul and Morgan, 37 and 33, we dig deeper into their Conscious Spending Plan to uncover three cars (for two adults), sporadic debt management, high pet care costs, hidden student loans, and what seems like no way out from under it all.  This episode is brought to you by: Hatch | A million things don’t want you to sleep, Hatch does. Get $20 off a Hatch Restore at https://hatch.co/ramit. Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit. ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit. Links mentioned in this episode • “We have $22k in cc debt—but I want to renovate the house” (Part 1) Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • 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 • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Paul and Morgan, 37 and 33, find themselves in a painful loop of arguments and unchecked spending, putting the future of their young family at risk. We hear about destination concerts, ongoing renovations, and charged vacations—but it’s their fixed cost percentage that is most worrisome. This episode is brought to you by: LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. Viator | Download the Viator app and use code VIATOR10 for 10% off your first travel experience with Viator. Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit. Netsuite | Get visibility to everything in your business one one place. Sign up and defer payments, with no interest, for six months at https://iwt.com/netsuite. Claritin | Visit https://claritin.com right now for a discount so you can get allergy relief and live Claritin Clear. Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • 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 Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Kevin and Michelle, 32 and 30, joined me live in New York City earlier this year for our very first in-person interview. They have one young child and another on the way, but they can’t stop spending. With low savings, their debt mounts while they both lease luxury vehicles. This episode is brought to you by: Sidebar | Join thousands of leaders from companies like Microsoft, Amazon, and Meta who have taken the first step towards accelerating their career https://sidebar.com/ramit LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit. Links mentioned in this episode • "My husband doesn’t trust me to run our business" #1 Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • 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 • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Allison is 36 and Dan, 37. They’re married with two kids living in a HCOL mountain town—a market variable that’s influenced them to sell her condo and supercharge their retirement investments with the profits. The condo is listed for sale, but Dan doesn’t trust her enough to combine their finances. This episode is brought to you by: Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit. Mint Mobile | To get your new wireless plan for just $15 a month, go to https://mintmobile.com/ramit. Tim Ferriss | Check out The Tim Ferriss Show on all podcast platforms and sign up for his FREE 5-Bullet Friday Newsletter at https://tim.blog. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. Babbel | For our listeners only, get 60% off your Babbel subscription at https://Babbel.com/ramit. Links mentioned in this episode • Ramit Sethi on The Tim Ferriss Show Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • 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 • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Fernando and Anushka, 30 and 31, live in San Diego and earn high incomes—matching $135,000 salaries, in fact. They have healthy investment and savings rates, send money to his family back home, and rent a nice apartment. They’re living their Rich Lives, or are they? This episode is brought to you by: Hatch | A million things don’t want you to sleep, Hatch does. Get $20 off a Hatch Restore and free shipping at https://hatch.co/ramit. Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit. ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today. Superhuman | Get a free month of lightning fast email at https://try.sprh.mn/ramitsethi. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. Links mentioned in this episode • “My parents keep expecting us to pay for them” #7 Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • 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 • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Peter and Megan, 36 and 37, are married with no kids but severe financial stress threatens their future together. Peter has grown to resent Megan’s unwillingness to seek a higher income. He’s changed jobs, but won’t consider selling any of their seven vehicles to alleviate their stress. This episode is brought to you by: Pique Tea | Get up to 15% off and 12 tea samples at https://piquelife.com/ramit. Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. Viator | Download the Viator app and use code VIATOR10 for 10% off your first travel experience with Viator. Thinkific | The same platform I use to build online courses online https://thinkific.com. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Links mentioned in this episode • “I pretend things are fine, but we’re 2 months from going bankrupt” #78 • “We 4x’d our salary as COVID nurses. The experience haunts us. So does the money” #75 Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • 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 • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

In part two with Elizabeth and Jonathan, 36 and 38, we continue unpacking their complicated personal backgrounds with money as they relate to current spending, investing, and saving habits. They’re stuck in a loop of debt and financial stress, but are they ready to make positive changes? This episode is brought to you by: Sidebar | Join thousands of leaders from companies like Microsoft, Amazon, and Meta who have taken the first step towards accelerating their career https://sidebar.com Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit. Netsuite | Get visibility to everything in your business one one place. Sign up and defer payments, with no interest, for six months at https://iwt.com/netsuite. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit. Links mentioned in this episode • “We have no savings but bought our kid a $500 toy for Christmas” (Part 1) Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • 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 • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Elizabeth and Jonathan are in their mid-thirties, have been married for 13 years, and share a young daughter. They bought a starter home after getting married, but expensive renovations are still underway. They struggle with debt and spend a lot on their child. They’re wondering—is this it? This episode is brought to you by: Viator | Download the Viator app and use code VIATOR10 for 10% off your first travel experience with Viator. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. Superhuman | Get a free month of lightning fast email at https://try.sprh.mn/ramitsethi. Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit. Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • 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 • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Callie and Travis, 36 and 39, have two kids and live in southern Texas near the ocean. They’ve made a conscious decision to run their own small businesses without the pressure of climbing a corporate ladder. But how relaxed is too relaxed? Callie is ready to get serious; is Travis? This episode is brought to you by: Pique Tea | Get up to 15% off and 12 tea samples at https://piquelife.com/ramit. Eight Sleep | For a better, smarter sleep, go to https://eightsleep.com/ramit for $200 and free shipping.  Thinkific | The same platform I use to build online courses online https://thinkific.com. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Babbel | Right now, when you purchase a 3-month Babbel subscription, you’ll get an additional 3 months for FREE. Just go to https://Babbel.com and use promo code RAMIT. Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • 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 • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Ashley and Christopher, 30 and 28, recently got engaged and look forward to planning a wedding, having kids, etc. But Christoper has lived with credit card debt his whole life. As an accountant, he feels like he’s got it under control. Ashley worries about what his spending means for their future. This episode is brought to you by: Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit. Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. Mint Mobile | To get your new wireless plan for just $15 a month, go to https://mintmobile.com/ramit. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • 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 • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Erik is 44 and Andrea is 43. They’re trying to determine what to do with a bump in income. Andrea wants to save for college tuition, because that’s what her parents did. Erik’s did not, so he’d rather use it elsewhere. Can they overcome their inherited patterns and come together on a shared vision? This episode is brought to you by: Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit. Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit. Eight Sleep | For a better, smarter sleep, go to https://eightsleep.com/ramit for $200 and free shipping.  Netsuite | Get visibility to everything in your business in one place. Sign up and defer payments, with no interest, for six months at https://iwt.com/netsuite. ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today. Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • 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 • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Kristin is 32 and David is 38. They share five kids in a blended family and David is getting close to military retirement. The problem is their spending—fueled by emotions alone, they make purchase after purchase, soaring over set budgets and putting the future of their family at risk. This episode is brought to you by: Thinkific | The same platform I use to build online courses online https://thinkific.com. Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. Pique Tea | Get up to 15% off and 12 tea samples at https://piquelife.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Viator | Download the Viator app and use code VIATOR10 for 10% off your first travel experience with Viator. Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • 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 • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Brad and Angie, 55 and 56, are each 10 years into a second marriage. With six adult children out of the house, they’re planning to buy an RV and tour the country in as little as two years. Carrying credit card debt, student loans, a HELOC, mortgage, and only $3,000 saved—can they? This episode is brought to you by: ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. Eight Sleep | For a better, smarter sleep, go to https://eightsleep.com/ramit for $200 and free shipping.  Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • 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 • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Amy and Tori are in their late 20s. They recently got married and honeymooned in Greece, racking up tens of thousands of dollars in credit card debt. A brand new house, changing jobs, and influential backgrounds all come into play as they work on a plan to pay it down. This episode is brought to you by: AG1 | Take ownership of your health with AG1. Get one year’s supply of Vitamin D3 K2 and five free AG1 travel packs with your first purchase at https://drinkAG1.com/ramit. Babbel | Right now, when you purchase a 3-month Babbel subscription, you’ll get an additional 3 months for FREE. Just go to https://Babbel.com and use promo code RAMIT. Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit. Mint mobile | To get your new wireless plan for just $15 a month, go to https://mintmobile.com/ramit. Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show 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 Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Brian is 56 and Rachel is 51 and they’re both lawyers. She’s lost thousands on a financial advisor and he can’t stop paying his daughter’s rent. Brian wants to retire soon, but the thought of losing his income has Rachel in a panic about whether they would be able to maintain their lifestyle. This episode is brought to you by: Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit. Thinkific | The same platform I use to build online courses online https://thinkific.com. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. Netsuite | Get visibility to everything in your business one one place. Sign up and defer payments, with no interest, for six months at https://iwt.com/netsuite. Eight Sleep | For a better, smarter sleep, go to https://eightsleep.com/ramit for $200 and free shipping. Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show 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 Submit a question for the newsletter iwt.com/askramit If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

April and Kevin are in their mid thirties with two kids. They’ve been married for twelve years and Kevin recently came across a good book on finance—one which empowered him to learn more about their finances. What he found shocked him, and has driven deep cracks in their marriage. This episode is brought to you by: Calm | Go to https://calm.com/ramit for 40% off unlimited access to Calm’s entire library. Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit. Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit. Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show 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 Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Sandra, 46, and Brad, 48, return for Part 2 as we get our hands dirty with their incredible decision to invest $1,000,000—their entire net worth—into one oil operation. It’s paying out $20k a month right now, and Brad’s done his research to feel confident. But Sandra can’t handle the risk. This episode is brought to you by: LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. Babbel | Right now, when you purchase a 3-month Babbel subscription, you’ll get an additional 3 months for FREE. Just go to https://Babbel.com and use promo code RAMIT. ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today. Eight Sleep | For a better, smarter sleep, go to https://eightsleep.com/ramit for $200 and free shipping.  Superhuman | Get a free month of lightning fast email at https://try.sprh.mn/ramitsethi. Links mentioned in this episode “I’m afraid he’ll leave if I don’t stop stressing about the budget” (Part 1) Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show 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 Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Sandra is 46. Brad is 48. They have four children and are living a high lifestyle as a result of two generational income explosions tied to Brad’s work in the home lending industry. That variance, though, seeded issues in their money psychology—leading to risky investments and trust issues. This episode is brought to you by: Superhuman | Get a free month of lightning fast email at https://try.sprh.mn/ramitsethi. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. AG1 | Take ownership of your health with AG1. Get one year’s supply of Vitamin D3 K2 and five free AG1 travel packs with your first purchase at https://drinkAG1.com/ramit. Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit. Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show Get Money Coaching with Ramit  Download the Conscious Spending Plan Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Mel and Babu are both 33 year-old doctors. Babu’s nearly done with his training, putting a huge decision in front of them about where to live and how much he’ll earn. The income numbers are staggering, but how they both feel about money isn’t affected by the number in their bank account. This episode is brought to you by: Eight Sleep | For a better, smarter sleep, go to https://eightsleep.com/ramit for $200 and free shipping.  Mint mobile | To get your new wireless plan for just $15 a month, go to https://mintmobile.com/ramit. Calm | Go to https://calm.com/ramit for 40% off unlimited access to Calm’s entire library. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit. Links mentioned in this episode “Our financial advisor almost cost us $800k. How do we fire them?” #127 Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show Get Money Coaching with Ramit  Download the Conscious Spending Plan Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

David, 33, and Halima, 37, return to follow-up on last week’s episode, where we learned about their debt, painful backgrounds, unrealistic expectations, and patterns of negative behavior with money. Today, Ramit brings them back down to earth, dissects their numbers, and sets the stakes. This episode is brought to you by: AG1 | Take ownership of your health with AG1. Get one year’s supply of Vitamin D3 K2 and five free AG1 travel packs with your first purchase at https://drinkAG1.com/ramit. Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit. Netsuite | Get visibility to everything in your business one one place. Sign up and defer payments, with no interest, for six months at https://iwt.com/netsuite. Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Links mentioned in this episode “We have $500k in debt. Can I retire early?” (Part 1) Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show Get Money Coaching with Ramit  Download the Conscious Spending Plan Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube Submit a question for the newsletter iwt.com/askramit If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

David's 33 and Halima's 37. They’re been married for one year, a second union for both. The deep emotional (and financial) scars from those past relationships tint how they see the world today, limiting their ability to cooperate and leading to ill conceived get-rich-quick schemes and mounting debt. This episode is brought to you by: Superhuman | Get a free month of lighting fast email at https://try.sprh.mn/ramitsethi.  Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit.  Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to https://www.longangle.com/ to learn more.  Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit.  LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. Links mentioned in this episode “We 4x’d our salary as COVID nurses. The experience haunts us. So does the money” Why I Don’t Own A House as a Multi-Millionaire… Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show Get Money Coaching with Ramit  Download the Conscious Spending Plan Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube Submit a question for the newsletter iwt.com/askramit If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Kait is 36 and Em is 35. They’re married and pursuing IVF as a means to expand their family. But a misalignment on money stands in the way of a truly shared vision for their future. Em shuts down and delegates responsibility. Kait frantically checks accounts and worries about daily spending. This episode is brought to you by: Calm | Go to https://calm.com/ramit for 40% off unlimited access to Calm’s entire library. Mint mobile | To get your new wireless plan for just $15 a month, go to https://mintmobile.com/ramit. Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. BetterHelp | Visit https://betterhelp.com/ramit today to get 10% off your first month. Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show Get Money Coaching with Ramit  Download the Conscious Spending Plan Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube Submit a question for the newsletter iwt.com/askramit If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Part 2 with Becki and Dustin drops us right back into a contentious conversation about Dustin’s 6-wheeled truck, but his and Becki’s misalignment runs a lot deeper than that. Once their numbers are revealed, painful truths come to the light—and life altering changes are put on the table. This episode is brought to you by: Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit. Netsuite | Get visibility to everything in your business one one place. Sign up and defer payments, with no interest, for six months at https://iwt.com/netsuite. Links mentioned in this episode "She has $7k in cc debt—just 3 months after I paid it off for her" (Part 1) Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show Get Money Coaching with Ramit  Download the Conscious Spending Plan Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube Submit a question for the newsletter iwt.com/askramit If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Becki is 42, Dustin is 36. Becki moved to North Caroline from California two years ago, into Dustin’s house but is feeling disconnected from her family, like the space is still his, not shared. Her troubling credit card history keeps them from getting married and building a future together. This episode is brought to you by: Superhuman | Get a free month of lighting fast email at https://try.sprh.mn/ramitsethi. Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. Babbel | Right now, when you purchase a 3-month Babbel subscription, you’ll get an additional 3 months for FREE. Just go to https://Babbel.com and use promo code RAMIT. Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show Get Money Coaching with Ramit  Download the Conscious Spending Plan Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube Submit a question for the newsletter iwt.com/askramit If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Cassandra, 40, and Aldo, 41, discovered Ramit on Netflix—which quickly led to Cassandra discovering the gruesome details of their debt. His goal was to shield her from stress. What he’s done instead is hide incalculable credit card balances, lose thousands on meme stocks, and so much more. This episode is brought to you by: Mint mobile | To get your new wireless plan for just $15 a month, go to https://mintmobile.com/ramit. Inside Tracker | Get 20% off by going to https://insidetracker.com/ramit. Methodology | Visit https://gomethodology.com/ramit and use code RAMIT for 10% off your first order of Methodology. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show Get Money Coaching with Ramit  Download the Conscious Spending Plan Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube Submit a question for the newsletter iwt.com/askramit If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Matt is 40 and Ruane is 38. They have two kids and live in Toronto. They’ve done incredibly well for themselves, with an eye-popping net worth of $5,500,000—but lingering anxiety about money and the overwhelming responsibilities of parenthood have driven them apart. This episode is brought to you by: Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit. Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit. Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show Get Money Coaching with Ramit  Download the Conscious Spending Plan Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube Submit a question for the newsletter iwt.com/askramit If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Alise is 38 and Jesse is 42; they live in Portland with no kids and have been married for 10 years. Alise has a growing sense of urgency related to their future–their lack of savings, modest investments, and credit card debt—fed by pressure from her family. But Jesse is hands-off with money. This episode is brought to you by: Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit. Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to https://www.longangle.com/ to learn more. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. BetterHelp | Visit https://betterhelp.com/ramit today to get 10% off your first month. Superhuman | Get a free month of lighting fast email at https://superhuman.com/ramit. Links mentioned in this episode Join Earnable Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show Get Money Coaching with Ramit  Download the Conscious Spending Plan Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube Submit a question for the newsletter iwt.com/askramit If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Following up with Trin and Lucas, both 35, we chip away at an unmanageable fixed-costs percentage and broach Lucas’s unwillingness to seek salaried employment while navigating severe trust issues and a checkered past with respect to financial risk taking. This episode is brought to you by: Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. Inside Tracker | Get 20% off by going to https://insidetracker.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. Links mentioned in this episode Get Money Coaching with Ramit  Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show Download the Conscious Spending Plan Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube Submit a question for the newsletter iwt.com/askramit If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Trin and Lucas are 35 with two kids. They’re bleeding money but they don’t know why, or how to fix it. Lucas is an extreme entrepreneur, leading to trust issues related to his shocking risk taking and lack of transparency. Matters are complicated further by a fixed-costs percentage of 150%+.   This episode is brought to you by: Methodology | Visit https://gomethodology.com/ramit and use code RAMIT for 10% off your first order of Methodology. Babbel | Right now, when you purchase a 3-month Babbel subscription, you’ll get an additional 3 months for FREE. Just go to https://Babbel.com and use promo code RAMIT. Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show Get Money Coaching with Ramit  Download the Conscious Spending Plan Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Jeff is 50, he’s a specialized surgeon. Susan is 48, she stays at home with their two kids. Their discretionary spending has grown over the years, ballooning at an uncontrollable rate. But their biggest issue is that they’re being taken advantage of by a percentage-based financial advisor.  This episode is brought to you by: Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. Netsuite | Get visibility to everything in your business one one place. Sign up and defer payments, with no interest, for six months at https://iwt.com/netsuite. Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show Get Money Coaching with Ramit  Download the Conscious Spending Plan Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube Submit a question for the newsletter iwt.com/askramit If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

It’s time to get tactical in this energetic follow-up episode with Cristina and Ron. Building on their story, we unpack their three most glaring money mistakes—a percentage-based financial advisor, whole and term life insurance, and a $10,000 timeshare vacation plan. This episode is brought to you by: Inside Tracker | Get 20% off by going to https://insidetracker.com/ramit. Mint mobile | To get your new wireless plan for just $15 a month, go to https://mintmobile.com/ramit. Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to https://www.longangle.com/ to learn more. BetterHelp | Visit https://betterhelp.com/ramit today to get 10% off your first month. Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show Get Money Coaching with Ramit  Download the Conscious Spending Plan Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube Submit a question for the newsletter iwt.com/askramit   If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Meet Cristina and Ron. Cristina's 30, Ron is 45, and they've been married for four years. Cristina wonders why she's the one managing money in their relationship, especially when Ron is older and he should be thinking about his retirement. We discover shocking surprises in their spending. This episode is brought to you by: LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit. Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit. Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Bebe and Paul are 37 and 40. They have two young kids and in the last few years, they have moved about ten times for various family reasons. They’re stuck in false narratives that are sinking their finances—unable to recognize the long term negative effects of their actions. This episode is brought to you by: DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramitfor 20% off. Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. Babbel | Right now, when you purchase a 3-month Babbel subscription, you’ll get an additional 3 months for FREE. Just go to https://Babbel.com and use promo code RAMIT. Links mentioned in this episode •  Download the Conscious Spending Plan Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • Get Money Coaching with Ramit  • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

This is a special solo episode where I answer questions from members of my Money Coaching program. In today’s episode: My favorite services that I use when I travel, how to handle FOMO when you're investing, and also how to handle traveling with other people. This episode is brought to you by: Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. Netsuite | Get visibility to everything in your business one one place. Sign up and defer payments, with no interest, for six months at https://iwt.com/netsuite. Methodology | Visit https://gomethodology.com/ramit and use code RAMIT for 10% off your first order of Methodology. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. Links mentioned in this episode • Get Money Coaching with Ramit  • Delegate and Done program  • Join Earnable • Should I Buy a House Now? • Dream Job career research guide • Other episodes Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • Download the Conscious Spending Plan • Get my New York Times best-selling book • Get my no-numbers journal • Instagram • Twitter • YouTube • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Doni and Cacey are 30 and 40 years old with three very young kids. Doni’s struggled with credit card debt in the past, putting pressure on Cacey to control their finances—in addition to being the family’s sole earner. Don’t miss the shocking twist to their money story at the end of the episode. This episode is brought to you by: Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit. Mint mobile | To get your new wireless plan for just $15 a month, go to https://mintmobile.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramitfor 20% off. Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit. Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Alana and Sam, 37 and 36, have two kids and $157,000 in student loans—loans which his mother assured would be paid. They haven’t been. Instead, the debt has tripled since he left school. Their home life has suffered as a result, as the family currently lives with Sam’s mom to save money. This episode is brought to you by: LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://www.meetfabric.com/ramit. DoorDash | Go to https://www.doordash.com and use promo code RAMIT to get 50% off (up to $10) when you spend $15 or more at convenience, grocery or retail stores on DoorDash. BetterHelp | Visit https://betterhelp.com/ramit today to get 10% off your first month. Links mentioned in this episode • Download the Conscious Spending Plan • Get my New York Times best-selling book Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • Get Money Coaching with Ramit  • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Ana is 31 and Gabriel is 29. They have three young kids and will be celebrating their tenth wedding anniversary soon. This episode deals with addiction and recovery work, therapy, deep family influences, and imbalanced money dynamics. His money mindset is stuck in the past—but she needs his help. This episode is brought to you by: DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramitfor 20% off. Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to https://www.longangle.com to learn more. Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://www.masterclass.com/ramit. Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Candace and Brad are 31 and 33. They’ve been together for five years—buying a home together after just one year of dating. Candace is ready for a wedding, kids, and family life; she’s getting impatient. Make sure you stick around for the absolutely shocking ending to their story.   This episode is brought to you by: Babbel | Right now, when you purchase a 3-month Babbel subscription, you’ll get an additional 3 months for FREE. Just go to https://Babbel.com and use promo code RAMIT. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. BetterHelp | Visit https://betterhelp.com/ramit today to get 10% off your first month. Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit. Links mentioned in this episode • Get Money Coaching with Ramit  • Get my New York Times best-selling book • Get my no-numbers journal Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • Download the Conscious Spending Plan • Other episodes • Instagram • Twitter • YouTube • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

In part two of my conversation with Kara and Drake, we continue to peel back the layers of gender roles and lost identity which came to the surface last week. A reversal in earnings power, on top of inconsistent incomes, complicates things further as we untangle this complex web of emotion and expectation. This episode is brought to you by: Go to https://www.doordash.com and use promo code RAMIT to get 50% off (up to $10) when you spend $15 or more at convenience, grocery or retail stores on DoorDash. Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://www.meetfabric.com/ramit. Mint Mobile | To get your new wireless plan for just $15 a month, go to https://www.mintmobile.com/ramit. Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://www.drinktrade.com/ramit. Links mentioned in this episode • Extended written follow up • Please fill out this short listener survey Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Kara and Drake are 38 and 37 with two infant children. Kara used to earn as much as $20k in a month, but has pulled back on work since becoming a mother—leading to painful identity issues. Drake has picked up the slack, but gender roles loom large in their at-home dynamic. This episode is brought to you by: Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. BetterHelp | Visit https://betterhelp.com/ramit today to get 10% off your first month. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Carrie and Taylor are both 33, unmarried with no kids, earning good incomes in the Nashville area. Their CSP checks out—Carrie does a great job managing their money—but she’s no longer willing to do it alone. Taylor’s upbringing taught him to ignore it. Can he be convinced to change his ways? This episode is brought to you by: Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit. Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. Babbel | Right now, when you purchase a 3-month Babbel subscription, you’ll get an additional 3 months for FREE. Just go to https://Babbel.com and use promo code RAMIT. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. Links mentioned in this episode • Download the Conscious Spending Plan • Other episodes Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Kevin and Ebony are both 52. They have two kids, both young adults, and have turned their attention to retirement planning. But standing in the way are $135,000 of debt, a recurring issue, and 29 years of deeply ingrained negative communication patterns when it comes to money. This episode is brought to you by: DeleteMe | If you want to get your personal information removed from the web, go to https://www.joindeleteme.com/ramit for 20% off. Go to https://www.doordash.com and use promo code RAMIT to get 50% off (up to $10) when you spend $15 or more at convenience, grocery or retail stores on DoorDash. Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://www.meetfabric.com/ramit. Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to https://www.longangle.com to learn more. Links mentioned in this episode • Get my New York Times best-selling book • Get my no-numbers journal • Get Money Coaching with Ramit  • Join Dream Job Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • Download the Conscious Spending Plan • Other episodes • Instagram • Twitter • YouTube • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Emily and John are in their mid 30s, living in Boston with their 2 year old son. Both coming from blue collar backgrounds, they’ve successfully broken many negative generational patterns thanks to a $200k combined income—but they struggle to break harmful spending habits.  This episode is brought to you by: LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://www.drinklmnt.com/RAMIT. Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://www.facet.com/ramit. Mint Mobile | To get your new wireless plan for just $15 a month, go to https://www.mintmobile.com/ramit. Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://www.drinktrade.com/ramit. Links mentioned in this episode • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Get my New York Times best-selling book Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Nicole and Matt, 41 and 37, have weathered deaths in the family, a battle with alcoholism, and career difficulties to finally be on the right track and earning more income as a couple. But, the past has left them with trust issues and a stark imbalance when it comes to money responsibilities. This episode is brought to you by: Methodology | Visit https://gomethodology.com/ramit and use code RAMIT for 10% off your first order of Methodology. Calm | Go to https://calm.com/ramit for 40% off unlimited access to Calm’s entire library. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit. Links mentioned in this episode • Get the Podcast Newsletter and exclusive Q&A about the show Connect with Ramit • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

This conversation with Mike and Kate brings a completely new, and shocking, outcome to the podcast. They’re 29 and 32, with some massive life changes on the horizon. But they can’t save any money and lack the financial discipline to make real change for the sake of their family. This episode is brought to you by: LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. BetterHelp | Visit https://betterhelp.com/ramit today to get 10% off your first month. Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Jonathan and Shalom are young, 31 and 27, married for 5 years and getting used to a big addition to their lives—a rushed home purchase in the Pacific Northwest that tints their relationship with conflict. Jonathan buries himself in the numbers. Shalom buries her head in the sand. This episode is brought to you by: Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Methodology | Visit https://gomethodology.com/ramit and use code RAMIT for 10% off your first order of Methodology. Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to https://www.longangle.com/ to learn more. Links mentioned in this episode • Should I Buy a House Now? (5 Guidelines & Perfect Timing Tips) Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Jake and Hannah bring a younger perspective to the podcast today. 26 and 31 respectively, they find themselves in different seasons of life—especially when it comes to money. Hannah is about to have her own practice as a therapist while Jake is a ski instructor. Can they connect? This episode is brought to you by: Calm | Go to https://calm.com/ramit for 40% off unlimited access to Calm’s entire library. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Ness Well | IWT listeners can get an extra 5K welcome bonus when they apply for the Ness Card at https://nesswell.com/ramit. Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit. Links mentioned in this episode • Join Earnable Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

In this special limited series, we’re following up with couples from my Netflix show, How To Get Rich. Tune in to hear what’s new, what isn’t, and where their money conversations have gone since our taping. Today, we check in with Donnell and Monique on their debt, the storage unit, and more. This episode is brought to you by: Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit. Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. Links mentioned in this episode • Get the Podcast Newsletter and exclusive Q&A about the show • Download the Conscious Spending Plan Connect with Ramit • Get Money Coaching with Ramit  • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Mindy and Carl are in their early 50s with two teenage children and a successful track record flipping real estate that’s helped them build a $4.3M fortune. But as devoted members of the Financial Independence community, they struggle to talk, think, and spend it in healthy ways. This episode is brought to you by: Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit. Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. Links mentioned in this episode • Get the Podcast Newsletter and exclusive Q&A about the show Connect with Ramit • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Jack and Christina were a perfect example of how not to travel—racking up credit card debt, booking late on a whim, and without emotional buy-in from one partner. In this deep dive episode, I go A to Z on how to plan, save, book, and enjoy vacation experiences the Rich Life way. This episode is brought to you by: Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Ness Well | IWT listeners can get an extra 5K welcome bonus when they apply for the Ness Card at https://nesswell.com/ramit. Methodology | Visit https://gomethodology.com/ramit and use code RAMIT for 10% off your first order of Methodology Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Jack and Christina are 33, both born in Russia. With two young kids, they’re looking ahead to number three and to buying a home. But they have $0 saved and $87,500 in credit card debt that they can only pay minimums on right now. Christina’s income triples soon, can it solve everything? This episode is brought to you by: Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Ness Well | IWT listeners can get an extra 5K welcome bonus when they apply for the Ness Card at https://nesswell.com/ramit. Methodology | Visit https://gomethodology.com/ramit and use code RAMIT for 10% off your first order of Methodology Links mentioned in this episode • Get the Podcast Newsletter and exclusive Q&A about the show • Get my New York Times best-selling book • Get Money Coaching with Ramit  Connect with Ramit • Download the Conscious Spending Plan • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Don’t miss Tuesday’s episode with Stacey and Jesse—where we uncovered severe imbalances in their relationship dynamic. Today, Ramit breaks down three main themes from that conversation, covering their complex budgeting system, covering for a partner’s passing, and spending on health and wellness. This episode is brought to you by: Calm | Go to https://calm.com/ramit for 40% off unlimited access to Calm’s entire library. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. Nomorobo | To protect yourself and your family from phone scams, go to https://nomorobo.com/ramit for a 14-day free trial. Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit. Links mentioned in this episode • Episode 104. “We’re worth $1.25M, so why is he afraid to get a $15 gym membership?” • Download the Conscious Spending Plan • Get the Podcast Newsletter and exclusive Q&A about the show Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Stacey is 37 and Jesse is 38. They’ve been together for 18 years, married for 11. They started with nothing, but now they make $238,000 a year. Their numbers are healthy, maybe even too good. So what’s the problem? Stacy’s designed their financial system with no room for Jesse to participate in it. This episode is brought to you by: Calm | Go to https://calm.com/ramit for 40% off unlimited access to Calm’s entire library. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT. Nomorobo | To protect yourself and your family from phone scams, go to https://nomorobo.com/ramit for a 14-day free trial. Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit. Links mentioned in this episode • Download the Conscious Spending Plan • Get the Podcast Newsletter every Saturday • Get my New York Times best-selling book Connect with Ramit • Get Money Coaching with Ramit  • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Today marks our first ever reaction episode, where Ramit breaks down each Tuesday’s conversation to give IWT listeners a deep dive on specific tactics, themes, and patterns. This week, we have the fascinating Janis and Michael. Make sure to stream episode 102 to catch up. This episode is brought to you by: Ness Well | IWT listeners can get an extra 5K welcome bonus when they apply for the Ness Card at https://nesswell.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Methodology | Visit https://gomethodology.com/ramit and use code RAMIT for 10% off your first order of Methodology. All The Hacks | Check out All the Hacks by Chris Hutchins on Apple Podcasts, Spotify, or wherever you listen to podcasts. Your wallet will thank you later. Links mentioned in this episode Episode #102: “If he doesn’t stop supporting our 31-year old son, we won’t be able to retire” Connect with Ramit Get Money Coaching with Ramit  Download the Conscious Spending Plan Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Janis and Michael have been married for 39 years. They share two adult children; the first is a therapist that recommended coming on the podcast. The second continues to take advantage of them financially. Their story is heartbreaking, totally unique—concerning, but far from hopeless.  This episode is brought to you by: Ness Well | IWT listeners can get an extra 5K welcome bonus when they apply for the Ness Card at https://nesswell.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Methodology | Visit https://gomethodology.com/ramit and use code RAMIT for 10% off your first order of Methodology. All The Hacks | Check out All the Hacks by Chris Hutchins on Apple Podcasts, Spotify, or wherever you listen to podcasts. Your wallet will thank you later. Links mentioned in this episode • Download the Conscious Spending Plan Connect with Ramit • Get Money Coaching with Ramit  • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

In this special limited series, we’re following up with couples from my Netflix show, How To Get Rich. Tune in to hear what’s new, what isn’t, and where their money conversations have gone since our taping. Today, we check in with Millie and Christian on the MLM, gambling stock, and more. This episode is brought to you by: Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit. Nomorobo | To protect yourself and your family from phone scams, go to https://nomorobo.com/ramit for a 14-day free trial. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to https://www.longangle.com/ to learn more. Links mentioned in this episode Get my New York Times best-selling book Get Money Coaching with Ramit  Join Earnable Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show Download the Conscious Spending Plan Get my no-numbers journal Other episodes Instagram Twitter YouTube Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Celebrating 100 episodes of the I Will Teach You To Be Rich Podcast, we look and listen back to five of Ramit’s favorite can’t miss episodes covering: Disparate incomes, Credit card debt, Living beyond one’s means, Reverse gender roles, and High income problems.  This episode is brought to you by: Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at http://drinktrade.com/ramit. Nomorobo | To protect yourself and your family from phone scams, go to https://nomorobo.com/ramit for a 14-day free trial. Masterclass | For unlimited access to every class and 15% off an annual membership, go to http://masterclass.com/ramit. Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to https://www.longangle.com/ to learn more. Links mentioned in this episode Other episodes Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show Get Money Coaching with Ramit  Download the Conscious Spending Plan Get my New York Times best-selling book Get my no-numbers journal Instagram Twitter YouTube Submit a question for the newsletter iwt.com/askramit If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

In this special limited series, we’re following up with couples from my Netflix show, How To Get Rich. Tune in to hear what’s new, what isn’t, and where their money conversations have gone since our taping. Today, we check in with Drew to see if he’s been more honest with his partner, Mikey. This episode is brought to you by: BetterHelp | Visit https://betterhelp.com/ramit today to get 10% off your first month. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://DrinkLMNT.com/ramit Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit Ness Well | IWT listeners can get an extra 5K welcome bonus when they apply for the Ness Card at https://nesswell.com/ramit Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube • Submit a question for the newsletter iwt.com/askramit  If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Sarah and Charlie are in their mid 30s living in Mexico City. They are foodies who love to travel, married for 5 years and earning in the top 1% for their location. Sarah has big dreams, but Charlie holds them both back – a dynamic we learn is seen, and heard, elsewhere in their lives. This episode is brought to you by: BetterHelp | Visit betterhelp.com/ramit today to get 10% off your first month. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at DrinkLMNT.com/RAMIT. Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to httpS://rocketmoney.com/ramit. Ness Well | IWT listeners can get an extra 5K welcome bonus when they apply for the Ness Card at nesswell.com/ramit. Links mentioned in this episode • Get the Podcast Newsletter and exclusive Q&A about the show • Guilt-free spending guide • Submit a question for the newsletter at iwt.com/askramit  Connect with Ramit • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

In this special limited series, we’re following up with couples from my Netflix show, How To Get Rich. Tune in to hear what’s new, what isn’t, and where their money conversations have gone since our taping. Today, we check in with Frank to hear how he’s adapting to life as a full-time influencer. This episode is brought to you by: Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to https://www.longangle.com/ to learn more. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Nomorobo | To protect yourself and your family from phone scams, go to https://nomorobo.com/ramit for a 14-day free trial. Links mentioned in this episode • Join Earnable • Get my New York Times best-selling book Connect with Ramit • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Jennifer and Andrew are in their 30s with 2 kids. They have been married for 11 years, but they speak different languages when it comes to money, deeply stuck in scripts from contrasting family backgrounds. Can they learn to come together in joy for the sake of their family? This episode is brought to you by: Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to longangle.com to learn more. DeleteMe | If you want to get your personal information removed from the web, go to joindeleteme.com/ramit for 20% off. Nomorobo | To protect yourself and your family from phone scams, go to nomorobo.com/ramit for a 14-day free trial. Connect with Ramit • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

In this special limited series, we’re following up with couples from my Netflix show, How To Get Rich. Tune in to hear what’s new, what isn’t, and where their money conversations have gone since our taping. Today, we check in with Nathalie to learn if she's curbed her spending at all. This episode is brought to you by: Ness Well | IWT listeners can get an extra 5K welcome bonus when they apply for the Ness Card at nesswell.com/ramit. Babbel | Right now, when you purchase a 3-month Babbel subscription, you’ll get an additional 3 months for FREE. Just go to Babbel.com and use promo code RAMIT. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at DrinkLMNT.com/RAMIT. Connect with Ramit • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Kate is 28 and Christine is 33. They’re married, living in the Detroit area with their nine-month old son. They’ve paid off credit card debt, sold their Ford at a profit, got out from a bad house purchase, and generally are doing extremely well for their ages. So why are they so anxious? This episode is brought to you by: Ness Well | IWT listeners can get an extra 5K welcome bonus when they apply for the Ness Card at nesswell.com/ramit. Babbel | Right now, when you purchase a 3-month Babbel subscription, you’ll get an additional 3 months for FREE. Just go to Babbel.com and use promo code RAMIT. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at DrinkLMNT.com/RAMIT. Links mentioned in this episode • Get my New York Times best-selling book • Get Money Coaching with Ramit  Connect with Ramit • Download the Conscious Spending Plan • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

In this special limited series, we’re following up with couples from my Netflix show, How To Get Rich. Tune in to hear what’s new, what isn’t, and where their money conversations have gone since our taping. Today, we check in with Amani and Matt, from their new dream home in San Diego. This episode is brought to you by: Nomorobo | To protect yourself and your family from phone scams, go to nomorobo.com/ramit for a 14-day free trial. Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to longangle.com to learn more. DeleteMe | If you want to get your personal information removed from the web, go to joindeleteme.com/ramit for 20% off. Connect with Ramit • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Nicole and Jorden, 30 and 34, return for Part 2, where we unpack the deep emotional wounds caused by their lack of clear and honest communication about money. She earns 10X his income, but the hidden stories and assumptions at play are what threaten the future of their relationship. This episode is brought to you by: Nomorobo | To protect yourself and your family from phone scams, go to nomorobo.com/ramit for a 14-day free trial. Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to longangle.com to learn more. DeleteMe | If you want to get your personal information removed from the web, go to joindeleteme.com/ramit for 20% off. Links mentioned in this episode • Download the Conscious Spending Plan Connect with Ramit • Get Money Coaching with Ramit  • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Nicole and Jorden are in their 30s and have been dating for four years. Nicole recently graduated from college, jumping into an orthodontics career starting at $400,000 a year. Jorden’s failed personal training business, and lack of resolve to improve his situation, have her questioning everything. This episode is brought to you by: Sakara | Right now, Sakara is offering our listeners 20% off their first order. Use code RAMIT during checkout at Sakara.com/ramit for 20% off all nutrition programs and wellness essentials. BetterHelp | Visit betterhelp.com/ramit today to get 10% off your first month. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at DrinkLMNT.com/RAMIT. Links mentioned in this episode Join the LIVE watch party of my Netflix Show Netflix show BTS newsletter (limited time only) Get my New York Times best-selling book Get my no-numbers journal Get Money Coaching with Ramit  Connect with Ramit Download the Conscious Spending Plan Other episodes Instagram Twitter YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

This is a special solo episode where I answer questions from members of my Money Coaching program. In today’s episode: How to stop feeling guilty about spending, how to deal with peer pressure around your finances, and what to do if you worry about investing. This episode is brought to you by: Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to RocketMoney.com/ramit. Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at meetfabric.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to joindeleteme.com/ramit for 20% off. Links mentioned in this episode • Netflix show BTS newsletter (limited time only) • Get Money Coaching with Ramit  Connect with Ramit • Download the Conscious Spending Plan • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

DJ and Adam, 37 and 33, have been dating for 3 years but DJ’s debt stands in the way of their potential marriage, as dictated by Adam, who’s been divorced in the past due to money issues. DJ recently doubled her income – and she has all the tools – but she’s frozen, unaccountable, and losing time. This episode is brought to you by: Babbel | Right now, when you purchase a 3-month Babbel subscription, you’ll get an additional 3 months for FREE. Just go to Babbel.com and use promo code RAMIT. Sakara | Right now, Sakara is offering our listeners 20% off their first order. Use code RAMIT during checkout at Sakara.com/ramit for 20% off all nutrition programs and wellness essentials. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at DrinkLMNT.com/RAMIT. Links mentioned in this episode • Dream Job career research guide • Get my New York Times best-selling book • Download the Conscious Spending Plan Connect with Ramit • Get Money Coaching with Ramit  • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Natalie and Travis are in their 40s, living in SoCal with their four kids. Travis is a career military man, imprinting him with some pretty understandable tendencies toward conservatism with money. He’s saved and invested heavily for decades, but it’s left him without the muscle memory to enjoy what he’s built. This episode is brought to you by: BetterHelp | Visit betterhelp.com/ramit today to get 10% off your first month. Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at meetfabric.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to joindeleteme.com/ramit for 20% off. Links mentioned in this episode • Netflix show BTS newsletter (limited time only) • Get Money Coaching with Ramit  • Get my New York Times best-selling book Connect with Ramit • Download the Conscious Spending Plan • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Kenna and Ryan are 36 and 45. Up until recently, Ryan worked and Kenna stayed home with their kids. Now, with that earning dynamic flipped, they’re facing new challenges with how they spend and save—especially when it comes to their children. This episode is brought to you by: LMNT | LMNT is offering my listeners a free sample pack with any purchase, that’s 8 single serving packets FREE with any LMNT order. Get yours at DrinkLMNT.com/ramit. Sakara | And right now, Sakara is offering our listeners 20% off their first order when they go to Sakara.com/RAMIT or enter code RAMIT at checkout. Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to RocketMoney.com/ramit. Links mentioned in this episode • Get Money Coaching with Ramit  • Get my New York Times best-selling book Connect with Ramit • Download the Conscious Spending Plan • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Darby and Kirsty, 27 and 25, are professional YouTubers. While Kirsty’s art tutorial channel explodes in profitability, Darby’s efforts lag behind in viewership and earnings, creating a stark contrast in their money dynamic. He feels he doesn’t deserve comfort. She waits for her success to vanish. This episode is brought to you by: BetterHelp | Visit betterhelp.com/ramit today to get 10% off your first month. DeleteMe | Offer for IWT Listeners 20% off all plans with the code RAMIT or go to joindeleteme.com/ramit. Babbel | Right now, when you purchase a 3-month Babbel subscription, you’ll get an additional 3 months for FREE. Go to Babbel.com and use promo code RAMIT. Links mentioned in this episode: • Get my no-numbers journal • Sign up for Double Engine Growth Connect with Ramit: • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Get my New York Times best-selling book • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Asha and Matt are in their mid 30s. They bring a totally unique situation to the show today. A few years ago, Asha needed a second open-heart surgery—and an emergency appendectomy. She was told she might have three years left, so they spent like it. The issue? She made a full recovery. This episode is brought to you by: LMNT | Right now LMNT is offering my listeners a free sample pack with any purchase. That’s 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors or share LMNT with a salty friend. Get yours at DrinkLMNT.com/RAMIT. Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at meetfabric.com/ramit. Sakara | Sakara is offering our listeners 20% off their first order when they go to Sakara.com/RAMIT or enter code RAMIT at checkout. Links mentioned in this episode: Reading Classes: On Culture and Classism In America by Barbara Jensen The Power of the Past: Understanding Cross-Class Marriages by Jessi Streib Connect with Ramit: Get Money Coaching with Ramit  Download the Conscious Spending Plan Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Kristine is 32 and Thomas is 35. They’re raising three children in the Midwest. They love their jobs, are happy with their incomes, and just upgraded to a third, much larger, home. Everything is good–except that they’re going broke. With astronomical fixed costs, something’s got to give. This episode is brought to you by: Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to RocketMoney.com/ramit. DeleteMe | if you want to get your personal information removed from the web, go to joindeleteme.com/ramit and get 20% off a plan for you or your entire family. Links mentioned in this episode Get my New York Times best-selling book Get my no-numbers journal Get Money Coaching with Ramit  Connect with Ramit Download the Conscious Spending Plan Other episodes Instagram Twitter YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Megan and Nyles are in their twenties and on a great trajectory with their money. She graduates from law school this year—sending her income from $0 to $215,000 overnight. But they’re both haunted by childhoods spent in poverty, leading to toxic scripts and trust issues. Connect with Ramit Get Money Coaching with Ramit  Download the Conscious Spending Plan Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube This episode is brought to you by: LMNT | Right now LMNT is offering my listeners a free sample pack with any purchase. That’s 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors or share LMNT with a salty friend. Get yours at DrinkLMNT.com/RAMIT. Sakara | Sakara is offering our listeners 20% off their first order when they go to Sakara.com/RAMIT or enter code RAMIT at checkout. If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Melody and David are 39 and 45. They manage a picturesque multi-unit property which creates a unique money dynamic. David works as the property manager and has his own side business, but doesn’t pay attention to whether or not he’s making money, leaving Melody with a heavy burden. Connect with Ramit Get Money Coaching with Ramit  Download the Conscious Spending Plan Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube This episode is brought to you by: Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at meetfabric.com/ramit. DeleteMe | Offer for IWT Listeners: 20% off all plans with the code RAMIT, or use the link joindeleteme.com/ramit. If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

In part two of our revealing conversation with Sarah and Kevin, we offer solutions for their serious debt accumulation problem and grapple with the hard truth about their biggest non-negotiable expense: $55k a year for their three daughters’ private school tuition.  Links mentioned in this episode Join the Earnable program Get Money Coaching with Ramit  Connect with Ramit Download the Conscious Spending Plan Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube This episode is brought to you by: LMNT | Right now LMNT is offering my listeners a free sample pack with any purchase, that’s 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors or share LMNT with a salty friend. Get yours at DrinkLMNT.com/RAMIT. If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Sarah and Kevin are 38 and 42. They sold their home to pay off $130k in debt, only to dig themselves another $55k hole, six months later. Sarah is worried that if she doesn’t stop her credit card spending, Kevin will ask for a divorce. We need two episodes to untangle their complicated situation. Connect with Ramit Get Money Coaching with Ramit  Download the Conscious Spending Plan Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Kirsten and Jon are both 34, raising two young boys in Canada. Kirsten, an engineer, is all about problems and solutions, going as far as "parenting" Jon when he overspends. Jon avoids money talk like the plague, even giving up his use of the joint credit card to avoid further static at home. Links mentioned in this episode Get Money Coaching with Ramit  Connect with Ramit Get Money Coaching with Ramit  Download the Conscious Spending Plan Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Alex and Courtney are in their 30s. They live in Southern California and come from completely different money backgrounds. Their numbers reveal a stark truth; fixed costs are sinking their finances. They're only months from going bankrupt. Can Courtney come to terms with their reality?  Links mentioned in this episode Join the Earnable program Download the Conscious Spending Plan Connect with Ramit Get Money Coaching with Ramit  Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Tommy is 60 and he’s run his own business for more than 30 years. He loves his work and doesn’t plan to stop. Caroline, his wife, is 56 and is retiring from a stressful job in a few months. Together, they’ve amassed over $6M. She’s ready to spend it but Tommy can’t stop saving and investing. Links mentioned in this episode Get Money Coaching with Ramit  Download the Conscious Spending Plan Join Earnable Connect with Ramit Get Money Coaching with Ramit  Download the Conscious Spending Plan Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

World-renowned dating and relationship expert, Matthew Hussey, sits with Ramit for an honest and wide-ranging one-on-one conversation on love, money, and the many layers of raw emotion and hidden messaging shared between them. Links mentioned in this episode Podcast: Love Life with Matthew Hussey Website: howtogettheguy.com Instagram: @thematthewhussey Connect with Ramit Get Money Coaching with Ramit  Download the Conscious Spending Plan Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Jenee and Dan are 31 and 34. They've been married for three years and they're travel nurses, moving from city to city to alleviate workforce pressures. During the pandemic, they earned up to 4X their salaries, allowing them to pay off their debts—but at a huge emotional and mental cost. Links mentioned in this episode Join my Money Coaching program Get the I Will Teach You to Be Rich book Get the IWT Rich Life Journal Download the Conscious Spending Plan Connect with Ramit Get Money Coaching with Ramit  Download the Conscious Spending Plan Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

We pick up part two of Serena and Nate’s conversation with an equity problem—a serious one, and one they didn’t realize they had. Serena earns considerably more for now, but Nate stands to triple her salary in a couple of years. His medical school debt, in the meantime, crushes him.  He needs help but she doesn't see it.  He can’t, or doesn’t, speak up.  Can they meet one another where they are? Links mentioned in this episode Please take my podcast survey Join the Dream Job program Join the Earnable program Connect with Ramit Get Money Coaching with Ramit  Download the Conscious Spending Plan Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Nate and Serena are in their late 20s. They are engaged and live together, but a vast difference in their incomes creates an awkward dynamic when it comes to paying for shared expenses. They think their hot-button issue is a $3,000 loan between them—it’s a lot deeper than that.  Resources Please take my podcast survey Join the Dream Job program Join the Earnable program Connect with Ramit Get Money Coaching with Ramit  Download the Conscious Spending Plan Other episodes Instagram Twitter YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

This is a special solo episode where I answer questions from members of my Money Coaching program. In today’s episode: How to handle a recession, how I thought about marrying the right person, how to hire a financial advisor (one of my favorite stories), and how to apply some of my advice to your situation. Join Money Coaching here: iwt.com/moneycoaching 00:01:16 — 1: What advice do you have about combining finances with a partner? 00:08:35 — 2: How does your money strategy change for a recession? 00:15:13 — 3: What would Ramit say to a single person who wants to marry the right person? 00:23:11 — 4: $3 questions vs. $30,000 questions 00:26:18 — 5: I'm a late starter. How do I calculate my contributions after age 50? 00:28:50 — 6: How do I balance funding an emergency fund and contribute to retirement every month? 00:33:01 — 7: What is your recommended asset allocation? 00:33:11 — 8: I'm curious how others think about different kinds of debt. 00:39:39 — 9: How do I fire a financial advisor? 00:50:54 — 10: Should I continue contributing to my Roth IRA even when the market is doing so poorly? 00:52:58 — 11: What is something about psychology Ramit wishes more people knew and took action on? 00:56:36 — 12: How do I protect my kids and think about where I want my money to go when I die? 01:03:09 — 13: I’m throwing out a humble brag after checking the history of my earnings at ssa.gov. 01:04:30 — 14: I’d like to celebrate a win overcoming invisible money scripts while out to dinner with my family. Connect with Ramit Get Money Coaching with Ramit  Download the Conscious Spending Plan Other episodes Instagram Twitter YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Emily and Alex are in their mid-30s and have been dating for two years. They recently had a discussion about money and Emily was disappointed to learn how little Alex had saved. What would you do if you talked about money with your partner and you were disappointed at what you discovered? Connect with Ramit Get Money Coaching with Ramit  Download the Conscious Spending Plan Other episodes Instagram Twitter YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Amy wants to put money away for their kids’ college funds. She’s shocked when her husband, Gaby, says no -- and that “the kids can figure it out themselves.” They’re in their mid 30s with a household income of $115,000 in the Miami area.  In today’s episode, we cover money psychology, class, and creating a vision of a shared Rich Life. Connect with Ramit Get Money Coaching with Ramit  Download the Conscious Spending Plan Other episodes Instagram Twitter YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Chris and Camilla are 33 and 31 and they make almost $300k collectively living in a high cost of living area. They recently bought a vacation home, like everyone on TikTok tells you to do.  Surprise, surprise—there’s no fairytale ending here, no mounds of passive income, no soaring property values or slam dunk investments. They thought they’d cash in on a hot market. But with the slow season approaching, they’ve realized they're losing money. How should they handle it? And (gasp) what might other people say if they have to sell? This episode is reminiscent of another Canadian couple, Eric and Elena, from episodes 49 and 50, who also bought a house they realized they couldn't afford. But I think you'll find this one fascinating for the differences—especially in the numbers. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Jan and Emily are in their thirties and recently bought a house. During the sales process, Emily discovered a $100k loan that Jan had taken out without her knowledge. To make matters worse, Jan admits he didn’t really have a plan on how to use this money to benefit their lives. Emily is the higher earner and lets Jan manage their money, adding to the feeling of betrayal that she keeps buried under a calm exterior. They are both supportive and willing to do the work—but Emily’s fear is real and must be processed out in the open. What happens in a relationship when trust with money is broken in such a profound way? How can you plan ahead or feel secure with your partner's decisions? It’s a path with obstacles, no doubt. Let’s see if we can help Jan and Emily navigate it. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Jim and Kasey are 45 and 41 with 5 young kids. They’ve been married for 18 years. But they admit that they don’t even know how they’ve made it this long with the serious communication problems in their relationship—specifically as they relate to money. Kasey goes about her life avoiding money, mostly unaware that they’re dipping into their savings each month to get by—even though Jim got a big raise recently. On the other hand, Jim knows the truth in their numbers but bottles up his emotions. When he tries to talk with Kasey about money, he does it in a way that Kasey can’t—or refuses to—grasp. In a few months, they won’t have any savings left. There’s too much at stake for them to continue on this destructive path. Let’s see if we can get them on the same page.  Connect with Ramit Conscious spending plan  Get the follow up Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Beth and John are worth about $800k combined. They came to me a month before their wedding—in fact, by the time this goes live, they’re husband and wife (hopefully). The trouble is that they’ve never really talked about money, that she’s afraid of being a deadbeat partner… and they both want a prenup. Now, it’s a little too late for a prenup, but we can help them in other ways. The big day, looming large in their lives, has revealed some serious issues. Beth wants to—NEEDS to—leave her job, a role that’s costing her mental health dearly. But she’s terrified she’ll just be a financial burden to John. Will Beth and John be able to find common ground before they start their marriage? Listen in to find out. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Connie and Wes have severe gender expectations. Connie desperately wants Wes to be the “man” in the relationship and pay for dinner. But when he tries, she scolds him to save for the future instead. This toxic dynamic is made worse by what we last heard in part 1… Connie’s net worth is—get this—over $6 million! Can someone who’s making over $200k a month ever feel in balance with a partner bringing home $2k? The answer, of course, is yes—but getting Connie there is one of the biggest challenges we’ve ever faced on the podcast. The canyons between their bank accounts and understanding of money are immense. Listen in as we bring them together with a shared vision of equity, respect, and joy. Connect with Ramit Download your free conscious spending plan  Learn more about money coaching  Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Connie and Wes have been dating for a year—but they have some very serious issues with how they see money, both individually and as a couple. The story to keep in mind: Connie’s mom earned considerably more money than her dad, but he always paid for family meals. Fairytales like this complicate how we deal with money later in life. As such, the power of archaic and illogical gender roles is the big theme that we try to untangle in this one. We need to call out the cultural expectations held between Connie and Wes to make room for a healthier dynamic. Don’t miss the dramatic cliffhanger ending that will leave your jaw on the floor as you wait for the fallout of part two, dropping next week. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

After talking to 60+ couples, Ramit reveals the #1 money issue that people deal with: feeling guilty. From what you heard as a child about money… to not being able to enjoy a vacation as an adult, Ramit breaks down the concept. Listen in as Ramit goes through his tactical approach to end money guilt and shame — once and for all. Want to dive in yourself? Download the Conscious Spending Plan, for free, to get started. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Amy and Andre are 42 and 34 respectively. They make $140k a year, but they admit they’re often waiting for payday. They’re buried in debt and can’t seem to make any progress, which is bringing serious anxiety and stress into their lives. Their biggest issue? Their fixed costs sit at 92% of their total income. We uncover all kinds of solutions as to how they might address this problem, but they struggle to grasp the reality of it all. What’s worse, they submitted their Conscious Spending Plan showing a -2% for guilt-free spending. They not only have no joy tied to their money, but on paper, they show it as a detractor on their lives. This is a serious problem—let’s see if we can get them on the right track. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

In part two of Tom and Julie’s conversation, they start to see their reality for what it is—Julie may not have long to live, but she’s still working and is afraid to spend their millions on making memories with their young kids. After a double lung transplant in 2020, she’s healthy—but odds are not in her favor for a long retirement. Julie admits that, if she were counseling a friend, she’d tell them to leave the career behind and focus on experiences. But even that isn’t enough to spark action… and the clock is ticking. What would you do with millions of dollars in the bank and a short time to live? The answer seems obvious. To some, it isn’t so easy. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Today’s conversation will shock you—point blank. Tom and Julie are in their early fifties and have two school-aged kids. Both are savvy with their investments, and they’ve amassed a $12 million dollar net worth in the process. But Julie’s still working. She thinks of the income as an added layer of safety and security in their lives—but at their level of wealth, they’re making more in interest than her salary could ever bring in.  Their situation may sound like it’s black and white—but wait for the jaw-dropping moment that changes everything. And look for next week’s episode, part two, as Tom and Julie start to reckon with their true reality. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Georgia and James bring a different problem to the table than we’re used to hearing about. In this one, we zoom in on where, exactly, their net worth has come from… and the real risks of these decisions. Having done well in the real estate market, Georgia and James just closed on a fourth property. The glaring issue is that they’re all located in the same neighborhood, amping up the risk of this investment class quite considerably. Georgia is becoming increasingly anxious in the shadow of this risk, urging a diversification from their overloaded 98% commitment to housing. James is not unwilling to hear the argument, which makes this episode more direct and tactical—I love it. There’s a lot to learn here. The biggest question we can ask in this case: Why are they even doing this? What is the end goal? Their answer paints a clear picture of what they need to do. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

This week’s conversation brings a slightly different perspective to the table. Michelle and Eric are in their fifties and are terrified that they’ve waited too long to invest for retirement. They’ve bickered about money for twenty-five years, narrowing their window of opportunity and adding a ton of personal baggage into the equation. Usually, part of the solution for most people is long-term investing. But with Michelle and Eric, time is not on their side. To complicate things, Michelle is defensive and triggered by even talking about money. She prefers to keep things focused on the math… but it’s much deeper than that. What would you do to overcome the very real hopelessness that many people of their age experience? Let’s see what happens. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Rebecca and Joe have two young kids, and a third is on the way. They are renting at the moment and love the neighborhood they live in—but they both think they need more space to match their growing family. Should they keep renting? Buy a home? Move in with his parents? Their lease is up soon and the pressure is on (or so they think). To complicate things, we find out that their fixed costs, alone, make up for 105% of their take-home pay. As a refresher, I recommend spending no more than 60% on fixed costs. But they’re spending more than they make every month. Something’s got to give. They feel frustrated. They feel overwhelmed. They feel like failures as parents because they can't provide for their kids. There are many layers to this on both the financial side and the psychological side. Let’s dig in. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Michelle and Dan are in their early thirties, and from the outside, they look like they’re in a great place financially. They make $225,000 annually, and they’ve saved $200,000 already. So, why do they feel so much dread, confusion, and fear about their money? Their philosophy has always been to save as much as possible… so they’re afraid to spend or invest. But they don’t realize how much they’re missing out on, and it’s not just investment returns. Michelle and Dan have thousands of dollars, but they’re afraid to take a vacation. Will they ever feel good about money? They could be living their Rich Life today—but only if they address the real, emotional reasons they’re stuck. Let’s see how they do. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Personal finance can seem complicated, but most issues are linked back to two core influences—how people think and feel about money. Where they land on those scales has a wide range of possible manifestations (skimping on frozen berries, anyone?).  One year into the podcast, and a handful of these themes have become very clear. Tune in to this special solo episode as Ramit breaks them down. Check out the free resources below if any of these scenarios sound familiar to you—or you’re just ready to deepen your understanding of money and what it can do for you. Programs & Resources iwt.com/moneymindset → Money Mindset Mini Course iwt.com/guiltfree → Conscious Spending Plan iwt.com/nomorefights → Guide to How to Talk to Your Partner about Money iwt.com/house → Ramit's 3 step guide to buying a house iwt.com/therichlife → Rich Life mini course  Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Last week, in part one of my conversation with Austin and Annie, we got deeply personal about their upbringings and the invisible scripts they picked up as kids. I learned that they were passing bad money habits to their young daughter—continuing a cycle of generational poverty.  Today, my goal is to move them out of that cycle by getting tactical with how they can turn things around. They’re young and make plenty of money to be comfortable—even multimillionaires—in their future. But we need to get the calculator out to make them believe it. Tune in as Austin and Annie see how it’s possible to go from generational poverty to generational wealth.  Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Annie and Austin were both raised without knowing where their next meal would come from. They came to me looking for a way to break the relentless chain of generational poverty that they’ve experienced… and that they fear they’re passing on to their two young children. The good news is that it’s not too late for them, or anyone, to start making the right decisions and move toward a Rich Life they can be proud to pass on. They bring in about $130k a year in a low-cost region, and since they’re only in their twenties, they can expect to make more money as they get further into their careers. Annie and Austin have never been taught about money. So listen in as I meet them where they are: zero savings, $68,000 in debt, and no tools for managing their finances. Stick around next week for part two of this conversation, where we dig into the numbers and present long-term solutions.  Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Lisa and Jeff are in their forties and have a blended household. They had about a $300k net worth before they were awarded a $1.275M settlement in January of this year. What’s important isn’t the details of the settlement, but that they don’t know what to do with it. She doesn’t trust him—and for good reason. He opens lines of credit and makes secret purchases while also refusing to participate in financial planning, leaving Lisa to carry the burden. She’s looking for a teammate, but he’s happy to simply send her his paycheck and make jokes about their toxic dynamic. They’ve invested the windfall in a few places (yes, one of which is a bad financial advisor), but they lack a vision—and the communication to build one. Before they decide what to do with the settlement cash, they need to be honest with themselves, and with one another. That’s where I come in. Let’s see if we can bring some clarity to their situation.  Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Katie and Cal are in their mid-twenties and, after moving around a bit, they live back home in Alaska with their young children. They bring in about $100k a year and have a good chunk of debt, about $25k of that they transferred to Katie’s mom for a better interest rate—a move which has hopelessly entangled her in their finances. What do you do when a family member who means well (they all do) oversteps the line? Listen in to hear how Katie and Cal come to terms with the truth—that her mom’s influence has got to go—and how they might start to enact that very difficult change in their lives. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media

In part 2 of Elena and Eric’s story, we learn about the deep emotional ties that Elena associates with the condo that’s draining their savings account—and why she’s so anxious about outside opinions in the event they decide to sell it.  To recap, they’re 25 and make $160k/year combined. They love to go to music festivals and bought a condo (with a down payment gift from their parents) about seven months ago. “Society” tells them that’s great, so they think they’re doing great. They’re not. Between transaction fees, mortgage, and maintenance, the purchase has bombarded them with phantom costs that require them to spend $2,000 a month from their savings to stay above water. At this rate, they’ll be broke in two years. No amount of cutting back on sushi or music festivals will solve this problem. This one’s all about money psychology. Eric and Elena have some tall emotional hurdles to get over before they can make the right decision and stand confidently in their truth to outsiders. Listen in to see if they can commit to selling their home and living their Rich Life.  Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Elena and Eric are both 25. They live in Toronto, and they make $160k as a household. They love going to EDM festivals and spend thousands of dollars every year traveling to them—it’s their Rich Life! The problem is that they also own a condo that’s draining their savings at a rate of $2k every month. They’ll be broke in two years. Before this call, Elena and Eric made a pact that they would NOT consider selling their condo, no matter what I said. But we learn that they’re committed to keeping the condo for all the wrong reasons. What will it take for both of them to see the truth in their error? To admit a mistake and commit to moving on as a team? First, we need to see if either of them are even willing to budge on the subject. Listen in to find out. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Kara and Sean make $150k annually, with $100k of that coming from Kara’s salary in healthcare. They have a baby daughter, and Kara would like to take a step back in her career in order to spend more time with her. The problem is, Sean’s happily (and hopelessly) stuck in a dead-end job. What do you do when one partner is passive when it comes to money? It’s so easy to make things personal, to escalate and unravel, but I steer this conversation to the numbers—where it’s illustrated, plain as day, what Sean needs to do.  But will he see it? And if he does, will he actually make any changes? Let’s see if I can get Sean to start dreaming bigger. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Ashley and Charles are in their early forties and have been married for six years. Together, they have five children from previous relationships. They live in a high-cost-of-living area—but, collectively, they earn over half a million dollars per year. Because of Charles's investments and stock options, their income feels erratic, and Ashley is having a hard time making sense of it all. Ashley needs a better understanding of the family's finances to feel more at ease with their future, but a serious lack of transparency stands in the way. Have you ever felt like your partner was hiding something from you? Something big? And how long can two people stick it out when something as basic as trust is an ongoing issue?  This is a huge job. Ashley and Charles have a lot to work on, but nothing is impossible. I'm going to help them simplify their money, so they can stop worrying about their spending and start envisioning a Rich Life. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here.

Carolyn and Gavin have been married for ten years. They have three small children and bring in about $130k annually—with a healthy $500k in investments. So what’s the problem? Once we look closer, specifically at their obsession with money mechanics, we see a deeper issue. They learned these bad habits as members of the FIRE community, a lifestyle they’ve left behind but that continues to haunt their money mindsets to this day. To make matters worse, Carolyn has disassociated from the family’s money conversation completely. How do you work as a team when one member refuses to participate? And how can you reset your instincts related to saving and spending after so many years repeating bad habits? Listen in to find out. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Sarah earns more than Andrew. They’re unmarried but imagine a future together, or would like to. The problem is that Andrew’s existing money scripts (and $65k in debt) have him frozen—unable to spend but also unwilling to seriously plan a way out. She wants to spend money on things like vacations, but he doesn’t feel like he can afford to spend. To make things worse, he feels terrible about money in general because that’s how his dad raised him—his presence looms over the conversation. We need to cut out the negative judgments and help Sarah see things from Andrew’s perspective. Then we can talk to Andrew about the mindset to overcome his past—and current—money issues. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Today’s couple is actually on the same page when it comes to their Rich Life, but they’re not making much progress toward it. Alex brings in $70k from a full time job. Charlotte runs their joint business that isn’t making much money yet, but should be soon. They both know what they want, they just have different perspectives on how to get there. Despite their income recently doubling, they are living paycheck to paycheck—while outright ignoring over $200k in student loan debt. Charlotte believes the universe will take care of them … but when it doesn’t, Alex feels like he has to step in and fix everything. Charlotte is highly intuitive, but intuition alone won’t get you to a Rich Life—you also need to be able to analyze your situation. Hearing Charlotte and Alex work toward common ground may help you realize where you’re playing small in life by relying too much on one skill set while ignoring the other. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

How do you manage your finances when your monthly pay is inconsistent? Vince makes around $300k a year in the mortgage industry, while Kasey focuses on raising their kids at home. Despite that rather high average income, the actual monthly takeaway is incredibly variable—one month could be $25k, the next month just $2k. That uncertainty is causing Kasey a lot of stress. On top of that, Vince’s income has been steadily decreasing. Vince chooses to remain positive; Kasey is afraid of the worst happening. But neither of them is willing to look at what they will do if that worst-case scenario does happen. When times are good, they spend guilt-free. But when times aren’t as good, they begin to worry that they’ll never come back out of that hole. There are reasonable concerns when it comes to not knowing how much money you will have coming in month to month. There are also ways to work around this. Let’s find out exactly how worried Kasey and Vince should be, and what they can do to set themselves up to feel more secure. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Making a lot of money is surprisingly easy. But if you’ve lived with too little of it most of your life, getting over the fear of spending it can be another story completely. Nicole and Michael have a combined net worth of over $5.7 million—yet they find themselves arguing over the price of a minor car repair. Nicole has crippling anxiety when it comes to spending any amount of money, no matter how insignificant it may be in the long term. While her fears may have once been justified, they haven’t caught up with reality.  Now, with a house stacked with boxes of free items and bulk discount junk, and with Michael meticulously strategizing how to break the news of any minor expense to his wife, they both need to wipe the slate clean and reset their thoughts about money… before the financial wedge in their relationship drives them to divorce. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

It’s common knowledge that building a business takes time—but how long should you be willing to wait? Rob works a full-time job. Olivia is split between part-time work and her own business. Rob doesn’t think her business is making enough money and has been urging Olivia to call it a loss and get a “real job.” He thinks her entrepreneurial dreams are holding them back from making their current reality more comfortable. What they’re doing isn’t working. Whether Olivia doubles down on the business or takes on a regular job, one thing is certain: in order to live their Rich Life, something has to change. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

By now, you know: living a Rich Life is more about mindset than money.  Look at today’s couple, Jack and Rachel. Following the principles described in I Will Teach You to Be Rich, they’ve managed to turn a $150k income into over $5 million in savings! Despite that, Rachel finds it difficult to actually spend the money—she doesn’t truly believe it’s there. She thinks that, with one wrong move, it could all be gone. This is the complicated nature of money psychology at work. They’ve built up the skill of saving but completely neglected the skill of spending. I’m going to see if I can help them connect the money they make to the Rich Life they want—and are able—to live, by getting Rachel to unpack the invisible scripts holding her back. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Alex and Nicole are getting married this summer and plan to start a family in a few years. That much, they know. How they’ll get there is another question. Nicole doesn’t want to deal with finances—she prefers to ignore it. Alex, on the other hand, is in the position of having to handle finances on her own for the both of them. Naturally, that leads to stress and resentment. Delegating financial responsibility in a relationship rarely works. Money affects both partners so much that it inevitably creates an unhealthy power dynamic. Let’s see if we can get Nicole and Alex to approach money like a true partnership so they can both step up to the responsibilities—and joy—of living a Rich Life. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Rebecca and John are both attorneys and make good money. While John makes more, he’s legally obligated to pay around $70k annually in alimony and insurance tied to a past divorce settlement.  On top of that, his income can vary widely, making the future difficult to plan for—and he has debt. He’s 61 but sees no way he can retire any time soon.  They’re dealing with not only the very real financial problems they face but also the resentment caused by them. That resentment colors every interaction they have with money. When I start digging into where the rest of their income goes, they start to get a little dodgy. We’re going to shine a light on some of their spending habits and find a path that lets them live a Rich Life without the stress. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Money can be a way of showing love, but what happens when you’re spending money you don’t have? Does spending any less mean you love the people in your life any less?  It seems simple, sometimes it’s not. Meet Jessica and Javier. She’s tried to help him with his financial literacy, but Javier only knows how to show love through spending. Unfortunately, his love is bigger than his paycheck. Not only that, he’s admittedly ignorant of how credit works. He relies on magical money thinking and is unrealistic about what it’s going to take to pay it off. We’re going to get to the root of Javier’s relationship with money and show him what’s ultimately at stake here—everything. It’s one thing to realize you’re making bad financial decisions, it’s another to turn the page on everything you know to be true about yourself. Let’s get into it. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Sarah and Nat are physical therapists that are making things too hard for themselves. The enormous cost of education coupled with relatively low pay has left them burdened with debt that colors every decision they make—including whether or not to have more children. They’ve spent ten years worrying about it but are still without a decent plan. I want to help them discover what it would look like to live a Rich Life, with or without debt, and I lead this episode in that direction. But when I walk them right up to their solution, it leads to another, more important, question… Do they even want to change? Tune in to find out. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Ashley and Josh have come to a stark conclusion: That if they can’t manage to find some common ground in their financial struggles, their relationship has no future. They both earn roughly the same amount of money. Besides this huge roadblock, they see a path to marriage and children. But they can’t come to an agreement about who pays for date night. Even worse, individually, neither of them has a solid plan for tackling their own debt. Josh drives a, you guessed it, truck he can’t afford. Ashley leases a Mercedes. Both acknowledge the massive strain that having debt places on them and their relationship, and yet they do nothing about it.  Are they willing to make the lifestyle changes necessary to turn their financial future around? Let’s find out. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Ashley and Josh both have high incomes but they find themselves arguing about who pays for what. Like a few past guests, Ashley thinks certain things are the man’s responsibility to pay for, but Josh wants a partnership. He feels like her spending is more out of obligation than true togetherness. These unspoken expectations are toxic. They’re eating away at what they both like about being together, and they need to be addressed right away. We all have internal beliefs and expectations around money, and they have deep roots. Let’s do some digging with Ashley and Josh to see what we can uncover.  Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Martin and Arly feel suffocated by mounting interest on their debt and are jaded by the corporate world. Martin earns $125,000, but Arly is selling essential oils in a network marketing business (read: SCAM!). With $300 coming in every month, this venture is going nowhere very quickly.  The solution seems painstakingly obvious, but their internal narrative is shortcutting their logic. I’m going to need to spell it out to them.  Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Today is part two with John + Lindsey, and progress on finding a solution that sticks for the couple is slow. Listen to how John gets riled up with rage and resentment when I ask him simple questions. I don’t think he gets it. We need a dramatic solution to pull him through this mess.   Will getting into the weeds help them interact on the same page again? Or will his past cloud John and Lindsey’s future forever? Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Lindsey and John are stuck. Despite earning a joint income of $150,000, John’s debt is crippling their relationship and financial future. They respond by self-soothing. John runs on auto-pilot avoidance strategies and refuses to get honest about his situation. Lindsey distracts herself with mindless spending sprees at Target.  But neither are working together on a sustainable solution. It’s time to get honest.  Lindsey and John are unsophisticated with their income and spending. If they want to become confident with money, they must become competent first. That means no more excuses for inaction.  Let’s see what that looks like for Lindsey and John.  Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

It’s time to create a plan of action for Brad and Becca’s unsophisticated spending habits that we learned about in part one. I want to get them away from the gimmicks of monthly payments and immediate gratification, and instead push them to carve out a Rich Life vision that goes beyond getting to zero debt. There will be resistance. The question is, will Brad be willing to lean into it, even if it’s uncomfortable to hear? Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Brad and Becca are in debt. Lots of it. Together they make $105,000 a year, but Brad makes impulsive flash purchases on credit cards. There is no saving, no long-term plan–only short bursts of gratification.  This is not how you build a Rich Life. I want to get them out of this unsophisticated loop with money, but is Brad finally willing to listen?  Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Most people think if they earned 25-50% more, all their money problems would disappear.  Katie and Shawn are a living example that that’s not true.  They earn almost half a million dollars per year, so there is no reason they should be arguing over a $600 Roomba. Their world is not in sync with their income.  So why does Katie obsessively penny-pinch and prepare for the worst? Let’s just say it has nothing to do with wanting to retire early. Listen as I unearth her deep-rooted fears.  Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

It all started with a splurge at Target. Tami spent $250 and tried to hide it from her husband, Mike. He likes to make digs and police her spending habits. She likes to make jokes about his bad purchases. They’re sparring over gas station snacks and unused kayaks, and each “win” gives them the satisfaction of saying, “I told you so.” These seemingly minor annoyances are covering much deeper resentment issues. As you’re listening, think about the habits you and your partner have. Ask yourself: are they serving you?  Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

My conversation with Mira and Dan was supposed to be about tax returns. He hasn't filed his yet, and it's making Mira feel insecure, anxious, and unsafe. Dan wants her to relax and trust him for once!  I knew something else was amiss here, but I was shocked to see how fast the conversation took a turn.  Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Meet Gemma and Jack. Jack believes that people who delegate certain tasks, like cleaning and laundry, are lazy. It’s one of his many strong opinions that’s causing a wedge in their relationship.  Recently, he refused to hire movers because it was a “waste of money.” As frustrating as they are, listen to the layers behind his financial opinions. They have a household income of $200k, but it’s not an even split. Throw in their individual cultural and gender codes, and it starts to make sense why they’re butting heads about penny decisions over who should pay the gas or do the laundry. They’re completely misaligned when it comes to the big vision.  We need to get them to connect over money. Let’s start there and build our way up.  Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

On paper, saving for maternity leave shouldn’t be an issue for Hannia and Alex. She earns $100,000 a year, but she likes to spend her money as soon as payday arrives. She plays many subconscious tricks (I call it the “Innocent Doe” technique) to justify a $300 drop at Target and her Old Navy credit card debt.  Let’s disregard the distractions. What’s the real reason why Hannia cannot save money? And how is her humble childhood in Costa Rica playing out in her everyday money decisions? Sometimes, advanced financial concepts have to take a backseat to get honest with the numbers—and ourselves. It’s time to get real.  Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Lauren and Alex bring in $425,000 a year, and they’ve just invested in a $1.3 million dollar home. Alex feels like they’re flying high, but Lauren’s lost her sense of security. She wants to save for a beach house in Carmel, not invest in double-glazing windows. Their savings plan has gone awry, and all she can hear is her father’s phrase “It’s not how much you make, it’s how much you save” every time they have to make a big purchase.  What is stopping Lauren from being more secure? Listen for the cues. Do you think buying a shack on a beach will really wash away her deep-rooted financial fears? Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Alexandra and Brandon have a household income of $135,000. Alex just handed in her one week’s notice, but she still has financial needs, and she’s scared to broach the subject of spending money on herself with her husband. As we talk, it becomes apparent that self-agency has been absent from other aspects of their lives. From their relationship to career choices, both have been playing by everyone else’s rulebook but their own.  These conversations have been on the back burner for long enough—it’s time to get candid.  Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

This is part two with Charles and Michelle. He has a net worth of well over $10 million but still uses someone else’s Netflix password. After 21 years, Michelle has reached her limit with his relentless cheapness. Charles is trying to rewrite his internal money story, but after years of playing the “I’m not the kind of guy who blows money on X, Y, Z,” card, he still worries about extreme what-if scenarios, driving Michelle to consider divorce. As you listen, think about the areas you’re afraid to spend money on. Ask yourself what your worry-free number is. Now, let’s try to get Charles and Michelle to meet halfway.  Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Charles and his wife, Michelle, are worth $10 million, and he earns over $2 million a year--but he’s cheap. So cheap, he still insists on sharing someone else’s Netflix password.  Michelle has been pushed to the limit. Divorce is on the cards unless things change. She wants to start with landscaping the backyard, but I want to investigate the roots of this invisible script that’s costing him his marriage.  There’s 21 years’ worth of scar tissue to heal here. Let’s dig in.  Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Brian is a struggling tech entrepreneur and relies on his wife, Serena, a physician with a stable income of $235,000, to support his family. Serena wants Brian to get a job and admit that his start-up isn’t working. She's extremely focused — perhaps too focused — on buying a house. Brian doesn't like saying “No” to Serena, so he evades questions and promises that everything will change "4-6 months from now," but after seven years, Serena's patience is running thin.  Can you spot the red flags?  Listen to the resentment and distrust in her voice. Brian's promises to get a job and turn things around are falling flat. What's worse is that he can't even see it.  I'm not going to sugarcoat it; it's heartbreaking to watch a seemingly successful couple totally disconnected from each other.  I'm determined to get them on the same page. Tune in to see how their story unfolds.  We started the conversation focusing on Serena’s dream to buy a house sooner rather than later, but it becomes apparent that the house is a distraction from the deeper desire to have a partner on the same page as her.  Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Monique expects Pablo to pay for her “as the man” in the relationship. Pablo wants “fairness” in a partner. Last week, I dug into their money psychology. Right at the end of last week’s conversation -- when both were feeling good -- they started discussing an upcoming trip to Mexico City. Suddenly, everything fell apart. All their positive feelings and new skills got thrown to the side, and they went right back to their old habits. That’s why I had to add a part two to our conversation. That’s today’s episode. When they’re discussing the trip, Monique already has her argument ready before Pablo finishes a sentence. Pablo’s fists are clenched. He wants to be the laid-back, confident guy Monique fell in love with, but his views on money have changed. You’ll hear him describe “Antonio,” his scarcity-minded alter ego. This conversation surprised me in so many ways. Listen in. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Monique is very open with what she wants in a relationship. “I always expected that fairytale love, the guy pays for everything, the guy opens the door, the guy waits to kiss me at the end of the night...” But her boyfriend, Pablo, disagrees. He feels taken advantage of. He shares the story of Monique ordering a $10 soup in a restaurant when he wasn’t even eating, then both of them staring at the bill to see who would pay for it. Their beliefs come from their upbringing and very specific personal experiences. For Monique, she believes Pablo should pay because of how she was raised. At one point, she says it’s his job to pursue her. Pablo wants to split things “fairly” down the middle, saying he wants a “partner.” Their opposing money lenses lead to awkward exchanges at restaurants when the check arrives. For Monique, him paying for a $10 soup is symbolic of being “taken care of.” Pablo doesn’t think it’s fair. He says he would prefer she did the “fake check dance” before he steps up to “be the gentleman.” How many invisible scripts can you spot? What does your reaction to the situation say about your relationship with money?   I walked into this episode pretty confident about what would happen. I was wrong. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

When Chris shops for food online, he compares the cost of almond milk and strawberries to save a few dollars. He spends hours agonizing over the most economical flight routes. He even stopped and picked up a used stroller from someone’s driveway. Chris and his wife Amy have a net worth of $8 million. Their friends call them cheap. They prefer to identify as "money hackers” and have lots of reasons why they behave the way they do. But even with their explanations, they’re not happy with how they’re using money to live a Rich Life. Chris and Amy are optimizers. They optimize points and options, a normal part of the tech culture in which they work. There’s just one problem: It’s making them unhappy! Imagine a world where Chris and Amy didn't have to put price first. Imagine a scenario where they could start with the kind of magical experience they wanted to create -- and use money to make it happen. As you listen, it’s easy to roll your eyes at the amounts of money being discussed. Resist that temptation. Amy and Chris have given us a gift by being so open with their finances and their challenges. I love today's episode because it shows you that if you have money issues today, It's very likely you're going to have the exact same money issues later at a million dollars or 5 million or yes, $8 million. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Andy and Kate bring in $200,000 a year and live rent free. Andy feels bad about money every day. His partner, Kate, says she wants to work as a financial team, but she walks on eggshells. Andy wants to make her happy, but he has a poor relationship with money. And that’s not all. Andy has $1.1 million dollars in a trust fund, managed by a financial advisor, and he still has holes in his shoes. I asked them, “Do you want to turn 65, have $10 million, and still worry about getting dessert?” Andy will have to decide if he’s going to let his old money stories determine the next 50 years of his life.  Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Meet Chuck and Mary. With a household income of $450,000 a year, they’re wealthy, but they’re not living A Rich Life. Mary spends money--in secret -- and feels judged when she makes “frivolous” designer bag purchases. Meanwhile, Chuck feels he can’t invest in a personal trainer.  Their backstory is revealing. Mary grew up in a large family in Argentina where a bottle of Coca-Cola was an indulgence. When she made it to the States, she never wanted to feel deprived again.  Suddenly, her spending takes on a new dimension. To her, a Chanel bag is more than just a bag. They have the money, yet they lack a shared plan. To create a Rich Life, they’ll have to dig into each other’s money clues. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

A few years ago, Adam spent nine months aggressively paying off $75,000 in debt. He loved it. It gave him a purpose and he was happy to work seven days a week to pay it off quickly. His girlfriend, Elizabeth, has debt, but she isn’t excited by paying it off. Instead, she feels trapped, describing herself as “dumb” with money. (Notice the words she uses to describe herself and her debt: “disgusting,” “bad,” and “stupid.”) Adam’s aggressive approach of constantly talking about money isn’t working. Even though he wants to help, she craves emotional security and support. At one point, as Adam is about to go into yet another long monologue, I cut him off.  Sometimes, what worked for you doesn’t work for your partner. Listen in to hear how Adam and Elizabeth navigate their Rich Life. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Laura came to me frustrated about their bathroom. She wants to renovate it, but Greg isn’t interested. In fact, he doesn’t really want to talk about money at all. For Laura and Greg, life is “fine.” They’re running on cruise control, earning a good income, saving a little, and not investing in anything other than a house. But Laura wants more than a “fine” life. When Laura says this out loud, Greg’s response is: “Well, it depends, right?” Greg is resistant to change. He’s skeptical about investing, about renovating, about travel. When I ask him what he really wants to do, he has no idea. He won’t engage.  How would you handle money in your relationship if your partner didn’t want to talk about it? What if your partner had lost the ability to dream and simply wanted to “play small?” Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Nicole and John have already won the money game. Combined, they bring in $650,000 a year. But it's not an even split. Nicole currently earns $150,000 and would like to leave her stable job to create a startup. John feels this gamble has not been discussed at length. They keep talking about “having the conversation,” but they never do. Both complain that they’re not feeling appreciated. John yearns for acts of service from Nicole. Nicole feels like her contribution is never enough. (You will frequently hear the lower earner talk repeatedly about “contributing” to the relationship.) Listen as this anxiety slowly bubbles to the surface.  On John's side, the growing pile of money in his bank account is making him more paranoid than ever before. He worries he could lose it all -- like what happened when he was younger. The fear runs so deep, he doesn't even believe me when I use math to demonstrate they will be more than fine for the rest of their lives. On paper, Nicole and John have a rich life, but they're not fleshing it out together because of their fears, insecurities, and lack of communication. Listen in as I nudge them towards a Rich Life. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Jacques and Jennifer are stuck in a money rut. They are trapped by their $40,000 debt. Jennifer feels overwhelmed with money talk, and Jaques doesn't want to say no to his wife. When he comes home from work, they’re both tired, so they order takeout, overspend...and repeat the cycle. This isn't a math problem. It runs way deeper into their money identity and sense of self.  Jacques grew up in a poor household and was always told no, so he'll do anything not to feel that way again. As a stay-at-home mom, Jennifer feels the money is "his," so she finds control and comfort in food. Suddenly, all of these restaurant trips and takeout receipts are starting to make more sense. The relationship between food and finance is a tricky one to navigate.  Then I ask about their Rich Life. Listen to how vague they are about their future financial goals. When you've got a large debt that seems insurmountable, it’s hard to look ahead. But I think there’s a way to get them to take ownership of their money. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Jordan wasn't raised to talk about money. She constantly saw her mom withhold money matters from her dad, and now, history is repeating itself. Jordan has hidden her debt from her husband, Dan, twice. He feels violated. This is not the kind of thing you do when you're saving for a down payment on a house and building a family. He needs the problem not to happen again. Before talking this out with me, neither realized they were on the verge of a relationship breakdown. Most people don't truly appreciate the consequences of their actions. They run away from their problems and shove important issues under the rug. Jordan thought she could fix this alone, but her mom wiped out her debt the first time around (it takes her a while to drop that bombshell), and she's still learning how to talk about finances openly after growing up with a money code of shame and secrets. Listen to their initial money visions. They're as imaginative as a cardboard box. There are lofty visions of "travel" and "a kid," but no specifics. Nothing to get excited about. No wonder why they aren't investing or saving together. Tune in to hear how I coax out the clues from them -- and offer them a vision of where to go next. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin Produced by Crate Media.

Natalia prioritizes experiences over finances. She doesn’t want to miss out on life, so if she wants to visit her family, she doesn’t wait to check their budget -- she gets on a plane. Andres, on the other hand, worries about money. He remembers growing up without money and doesn't want to go back there again. He's pushing to save, invest, and anticipate what's coming around the corner – especially now that they have a son.  They’ve both become used to only talking about money in the heat of the moment. Because of their different perspectives on money, they’ve adopted roles in their relationship: Natalia says she’s the overspender, while Andres is the worrier who tries to tamp down on spending. This is a classic push and pull role you see in so many couples. But as I dig in, you’ll discover some fascinating reasons behind the roles they’ve given themselves. Listen as I flip the switch on Andres's approach to the conversation he's having with Natalia. What if "we can't afford to go away" turned to "what trips would you like to plan for the future?" What if money planning was part of a planned conversation instead of a heated clash? What if talking about money was based on possibility instead of scarcity?  Listen in to this conversation with Natalia and Andres. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin Produced by Crate Media.

Barry is a first-generation Pakistani immigrant. His wife, Maria, is also Pakistani and was born and raised in the United States. Cultural expectations are making it difficult to get aligned on their joint finances. Barry has grown up living under a set of unwritten cultural rules whereby the son is expected to take care of his parents financially. They’re paying for family dinners and charity donations right now, but Barry strongly suspects his parents are anticipating moving in with them after they retire.  Maria has been biting her lip so far. She wants financial freedom, but knows she cannot change Barry. He must acknowledge – and possibly reprogram – the dialog around money between him and his family.  Some of this episode will sound confusing if you’re listening to it from a Western perspective, but these cultural scripts that Barry grew up with are very real. (Imagine if I told you that it “might not make financial sense to purchase a house” – that rattles the Western cultural code many people grew up with, which is why they get so angry when I point it out!).  It’s unsettling and uncomfortable to challenge. I know because I’ve been in the same situation as Barry, juggling different expectations from Indian parents. Barry needs to move from “convincing” his parents to fully owning his financial decisions and vocalizing that with love and firm boundaries. Listen to our conversation to hear what that looks like for them and how they plan to compromise between their financial goals and family expectations. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin Produced by Crate Media.

Jessica grew up wealthy in New York City. She can't imagine her life anywhere that's not within walking distance to the coffee shop, the best schools, and her parents (who live two blocks away). Her husband, Nathaniel, is building his business and it’s been difficult getting it off the ground. For a while now, Jessica's been absorbing most finances and feels that the situation would improve if Nathaniel contributed just an extra $100 to living expenses.  Jessica and Nathaniel struggle when it comes to communicating with each other. In fact, they spend 20 minutes answering my first question before I can get a word in. The truth is, They're both so fixated on telling their story, they do not realize that neither of them is listening. I hear anger, resentment, exhaustion… what do you hear? It takes a while to get to the numbers, but we start crunching after clearing some of the other issues. The results are extremely surprising. Sometimes, our attachment to the story we tell ourselves can cloud the reality in front of us. Moving is complicated, but it doesn't have to be a step back. Listen to see what to do when your financial reality doesn’t match the vision you had of your ideal life. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin Produced by Crate Media.

Sheena has paid off a huge chunk of her student debt. Peter wants to plan a trip to Japan for their 10th anniversary and decorate their apartment, but Sheena’s first reaction is, “How will we afford it?” Money is one of the first things she thinks about. She thinks about it every day, even when buying toothpaste.  Sheena is clearly terrified of money. She can’t even feel proud that last year mid-pandemic, she paid off $15,000 of her credit card debt! When I ask her how she’ll feel when her debt is paid off, she says “Better...I hope?” But I know it won’t happen unless she changes her money psychology. Sheena and Peter’s story is an example of how we can punish ourselves unnecessarily when we grapple with finances with an all-or-nothing approach. Sheena has created a financial cage in her own mind -- but she also has the keys to get out. Listen in to understand how just a few shifts to her money psychology -- and a surprising financial strategy -- will let her take control of her money. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin Produced by Crate Media.

John has a lot of debt. Wendy knew about the $450k he owed when they started their relationship, over ten years ago, but she only found out what the current number is the day before their call with me – and the number has gone up!  She wants to help him pay it off but he refuses to allow it. John insists that everything is under control, but Wendy doesn’t believe him. He makes a plan, then sets it and forgets it. She needs to check the status and cross things off the list. Underneath all of the financial questions, there’s a deeper conflict: he wants another child. She doesn’t feel ready. Does money play a part in her reluctance? As you listen, notice that John and Wendy are calm, collected, and clearly love each other – even with $600,000 of debt! I’ve spoken to couples who were more stressed out about $20K of debt. They have the trust, but they need help to get clarity. Listen for their revelations and breakthroughs around money and building a Rich Life.  Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin Produced by Crate Media.

Calvin feels he needs to be the “man of the house” and pay for everything. There’s just one problem: He can’t afford it. Every month he’s in the red, leading him to be anxious around money. Chantha likes to spend money on nice things and feels Calvin is too cheap with his money. The two of them feel stuck because of their different views on money. And, to make things even more complicated, Calvin – by conventional definitions – is rich. He and Chanta bring in $250k a year, and based on their savings rate, they’re on track to become multimillionaires. As you listen, notice their backgrounds. What led Calvin to feel this way about money? What motivates a husband to take on such a burden and how can Chantha and Calvin find a middle ground of comfort where they can build a future together? Pay particularly close attention to our discussion around vacation at the end of the episode. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin Produced by Crate Media.

Ashley and Greg have a household income of over $250,000 and a net worth of over one million dollars. They’ve developed a reputation for being cheapskates. Not only do their friends and family say that they’re cheap, but their friends have started avoiding them because of it. We’re about to discover that cheapness and net worth are not correlated whatsoever. There’s more to I Will Teach You to Be Rich than simply how to make money. You need to know how to live a Rich Life. It’s great to work hard and earn a lot of money, but the psychology of frugality – even austerity – can follow you around forever if you don’t work to break it. Ashley and Greg are about to learn that money is meant to fuel your Rich Life – not to merely be saved for some day in the future. Listen in as they describe their anxiety around spending money. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin Produced by Crate Media.

Alyssa and Ilan have been in a relationship since 2007 and are now married. They both lost their jobs during the pandemic, but acting on their feet, launched a highly successful baklava business which is now paying their income. In theory, Alyssa runs their business day to day, but in practice, Ilan won’t let her. He considers himself an entrepreneur and believes that “Alyssa thinks inside the box...she is not an entrepreneur.” Notice the communication between Alyssa and Ilan. How do they talk to each other? How do they talk *about* each other? As the episode goes on, I find more and more clues about what’s really driving the conflict in their relationship. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin Produced by Crate Media.

I’m Ramit Sethi, author of the New York Times bestseller ‘I Will Teach You To Be Rich.’ I’ve always been fascinated with money and psychology. Why do some of us feel so anxious about money? Why do we feel guilty about spending on the things we love?  And how do we handle our finances in a relationship? Most of us have never been taught how to have these conversations so we can get on the same page with our partner. That’s where I come in. I’m sitting down with couples, who’ll share real money problems and real numbers from behind closed doors. Some couples struggle, one is a spender and the other a saver. Other couples struggle on how to live their lives when they have hundreds of thousands of dollars of debt. One couple agonizes over the cost of groceries -- even though they have a net worth of $8 million. ‘I Will Teach You To Be Rich’ gives you access to couples sharing the most intimate aspects of their lives. These are real stories about love and money from behind closed doors. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin Produced by Crate Media.