Money For Couples with Ramit Sethi copertina

Money For Couples with Ramit Sethi

Money For Couples with Ramit Sethi

Di: Ramit Sethi
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Get Ramit's new book, Money for Couples at iwt.com/moneyforcouples. From Ramit Sethi, host of Netflix’s ‘How to Get Rich’ and author of NYT bestselling books, ‘I Will Teach You To Be Rich,’ and ‘Money for Couples’… Imagine listening in on raw, unfiltered conversations with real couples, to explore how money psychology affects their everyday lives. Ramit talks with couples from all walks of life, helping them to get past guilt, resentment, & fighting over purchases, to help them create a shared vision for their Rich Life. Ramit asks the questions we wish we all could ask, presenting a new philosophy on money: spend extravagantly on the things you love, and cut costs mercilessly on the things you don’t. Follow Money For Couples on Instagram, YouTube, Facebook, and X to start living your rich life today. In Money for Couples, Ramit delves into the often-hidden dynamics around money issues in marriage, which can be some of the biggest challenges couples face. Money psychology impacts everything from everyday decisions to long-term dreams, and Ramit's finance coaching sessions with couples offer an eye-opening look into the deeper emotions behind financial choices. Whether you're wondering how to save for a big goal, how to invest in a shared future, or simply looking to understand personal finance in a relationship better, this podcast delivers practical, actionable insights. Each conversation reveals that money in marriage isn't just about numbers—it's about values, trust, and working together toward a Rich Life that's unique to each couple. Ramit provides a safe space for couples to unpack the beliefs and habits that may hold them back financially, guiding them toward a shared vision for their lives. With humor and empathy, Ramit's finance coaching shows couples that they can learn to save and spend in ways that enhance, rather than hinder, their relationship. Money for Couples is not only a finance podcast but a journey into what makes a marriage strong, financially and emotionally. Through the lens of personal finance, Ramit provides a blueprint for couples to navigate the challenges of managing money together, offering tools to make confident, aligned choices. So, whether you're a fan of the Ramit Sethi podcast or new to his philosophy, tune in and learn how to save, how to invest, and how to create a financial future with the person you love. Ramit's unique approach to money psychology helps couples overcome common money issues in marriage, from guilt and resentment over purchases to aligning on long-term financial goals. By exploring real couples' stories, Ramit offers insights into how money mindset affects everyday decisions and bigger life dreams. His finance coaching provides couples with a safe space to unpack their beliefs and habits around spending, saving, and investing. Rather than focusing solely on the numbers, Ramit emphasizes the importance of values, trust, and working together toward a shared vision for a Rich Life. Couples will learn practical strategies for managing money as a team, from saving for big purchases to building investment portfolios. Ramit's philosophy of "spend extravagantly on the things you love, and cut costs mercilessly on the things you don't" empowers listeners to make financial choices that enhance their relationship. Money for Couples is an essential listen for any married or committed pair looking to improve their personal finance skills and deepen their emotional connection. Ramit's finance coaching and the real-life stories of the couples he features offer a blueprint for navigating the challenges of money in marriage. Whether you're a long-time listener of Ramit's work or new to his approach, this podcast will transform how you think about spending, saving, and investing as a couple.c0c586c0-d600-11f0-806a-8f7132ddc1c5 Economia Finanza personale Relazioni Scienze sociali
Episodi
  • 273. "We Spend 139% of our Income and still fund our adult kids"

    273. "We Spend 139% of our Income and still fund our adult kids"
    Aug 11 2026
    Ramit Sethi of I Will Teach You To Be Rich speaks with Mary and Harry, 57 and 62, who are approaching retirement while spending more than they earn every month. They have a blended family of seven adult children and continue stepping in whenever one of them needs money, housing support, childcare, repairs, or help managing another crisis. Mary handles nearly all of their finances and feels overwhelmed almost every day. Harry’s income is inconsistent, and about a year ago, he revealed that he had accumulated $43,000 in credit card debt without telling her. Mary initially feared he was about to confess to an affair. Instead, she discovered that decisions she had been making were based on an incomplete picture of their finances. Today, they have approximately $476,000 in assets, $499,000 invested, just $3,000 in savings, and $435,000 in debt. Their net worth is around $542,000, but their fixed costs have reached an unsustainable 139%. With retirement approaching, Ramit makes it clear that small cuts will not be enough. Harry needs to substantially increase his income, they may need to sell their home and rent, and both of them must stop treating their adult children as financially dependent. In this episode, we uncover: Why Mary thought Harry was confessing to an affair How Harry accumulated $43,000 in secret debt Why their fixed costs reached an alarming 139% How they spend more than they earn every month Why they have only $3,009 available in savings Their $476,000 in assets and $435,000 in debt Why Mary thinks about money almost every day How supporting their adult children created more debt Why they gave one child between $20,000 and $30,000 How financial secrecy damaged Mary’s trust in Harry Why Mary became solely responsible for their finances How guilt prevents them from saying no to their children Why Mary continues covering some expenses for her adult son The text Mary sends removing him from their phone plan Why Harry needs to increase his income to $5,000 monthly How renting could reduce their fixed costs to around 59% Why selling their house feels like failure to Mary How renting could free up more than $2,000 each month Why boundaries could make their adult children stronger Whether they can transform their finances before retirement Chapters: (00:00:00) Introduction (00:02:38) Adult children, broken trust, and income imbalance (00:05:16) Harry reveals his hidden credit card debt (00:06:50) Mary fears Harry is about to confess to an affair (00:08:44) Their blended family of seven adult children (00:11:19) Rebuilding trust after financial secrecy (00:18:07) Why Mary manages the finances alone (00:24:21) Mary fears carrying a mortgage into her 80s (00:28:04) What happens if nothing changes? (00:32:20) Would they fund another family emergency? (00:35:53) How Mary inherited her beliefs about money (00:52:03) Their retirement savings and pensions (00:59:39) The true cost of rescuing their adult children (01:16:23) Ramit reviews their Conscious Spending Plan (01:18:27) Their fixed costs reach 139% (01:22:32) Mary texts her son (01:26:59) Cutting groceries, clothes, and subscriptions (01:29:00) Harry must dramatically increase his income (01:32:25) Should they sell their house and rent? (01:54:48) Mary and Harry’s follow-up This episode is brought to you by: Superhuman Mail | Sign up for Superhuman Mail today at https://superhuman.com/podcast. Fabric by Gerber Life | Go to meetfabric.com/RAMIT and apply today, risk-freeGrow Therapy | Visit https://growtherapy.com/ramit to find a therapist today NetSuite | If your revenues are in the seven figures, go to https://netsuite.ai/ramit to try NetSuite Next for free Facet | As of the date of this recording, Facet is waiving the enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to facet.com/ramit to learn more about which membership option is best for you. Offer has been extended to 12/31/2026. #FacetAd If you’re part of a small group listening to this podcast that is willing to take action, I built Road to $100K for you - a step-by-step program on how to reach $100K. Join Rich Life: Road to $100K at iwt.com/100K. Connect with Ramit • Get my new book, Money For Couples • Join my Rich Life: Road to $100K program • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Apply to be coached for free on this podcast at https://iwt.com/apply
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    2 ore e 1 min
  • 272. "We own two houses, but can’t afford dinner out"

    272. "We own two houses, but can’t afford dinner out"
    Aug 4 2026
    Ramit Sethi of I Will Teach You To Be Rich speaks with Nicole and Drew, 39 and 40, who are expecting their first child in just two weeks. They split their time between Southern California and Maui, where they each own a home. Nicole bought her house after Drew made it clear that continuing to stay with roommates was not an option. Today, they earn $296,700 a year, own $1.25 million in assets, and have a net worth of more than $500,000. But their two homes consume over 40% of their income, and once their numbers are corrected, their fixed costs rise to 85%. Despite their high income, they feel unable to eat out, attend concerts, or enjoy the life they have worked to build. Nicole is a psychology professor who plans everything down to the dollar and worries about having enough savings. Drew is a life coach and therapist-in-training who admits that she often goes by “vibes” and trusts that things will work out. With a baby arriving and their savings falling, they must decide whether Drew can realistically double her income or whether they need to sell the Maui house. In this episode, we uncover: • Why Nicole bought a house within months of Drew’s housing non-negotiable • How they ended up supporting two homes in two different states • Why earning nearly $297,000 still leaves them feeling financially trapped • Their $1.25 million in assets and nearly $1 million of debt • Why their fixed costs jumped from 77% to 85% • How their two homes consume more than 40% of their income • Nicole’s numbers-first approach and Drew’s habit of going by “vibes” • How grad school, flooding, and a $29,000 sewer repair drained their savings • Why the baby may not increase their expenses as much as expected• How Nicole’s sabbatical gives them a temporary financial window • Why their Maui house is co-owned without a clear written agreement • Whether Drew can realistically double her income after graduating • Why depending on one future income increase is a major financial risk• How selling the Maui house could release around $150,000 • Why selling could reduce their fixed costs to approximately 65% • How they could keep Maui in their lives without owning property there • How they can build a plan that does not require everything to go perfectly • Why “spaciousness” becomes the center of their new Rich Life vision • The decision Ramit believes they need to make before their savings fall further Chapters (00:00:00) Introduction (00:03:09) Two homes in two different states (00:07:03) Nicole kept her housing costs at just 12% (00:08:18) Drew’s housing non-negotiable changed everything (00:14:43) Nicole tracks the numbers, Drew goes by “vibes” (00:21:26) What does their Rich Life actually look like? (00:24:47) Ramit reviews their Conscious Spending Plan (00:25:53) $1.25 million in assets and $986,000 of debt (00:28:15) They earn $296,700 but still feel squeezed (00:29:46) Their fixed costs are higher than they realised (00:32:50) Two homes consume 40.5% of their income (00:34:50) Grad school, flooding, and expensive home repairs (00:40:16) Their real fixed costs jump to 85% (00:45:19) Can they afford their new baby? (01:06:01) Drew’s “life will provide” money mindset (01:12:00) Are they actually on track for retirement? (01:24:39) Ramit reveals their retirement projections (01:33:19) Selling could reduce their fixed costs to 65% (01:50:07) Redefining their Rich Life around “spaciousness” (01:53:04) Ramit’s final assessment This episode is brought to you by: Factor | Head to https://factormeals.com/ramit50off and use code RAMIT50OFF to get 50% off and one free breakfast item per box for one year, while supplies last until 10/31/2026. See website for more details. Gusto | Try Gusto at http://gusto.com/ramit and get 3 months free when you run your first payroll LMNT | Get a free LMNT Sample Pack with any order at https://drinklmnt.com/RAMIT Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 20% off DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout If you’re part of a small group listening to this podcast that is willing to take action, I built Road to $100K for you - a step-by-step program on how to reach $100K. Join Rich Life: Road to $100K at iwt.com/100K. Connect with Ramit • Get my new book, Money For Couples • Join my Rich Life: Road to $100K program • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Apply to be coached for free on this podcast at https://iwt.com/apply
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    1 ora e 58 min
  • 271. "He hid $30K of debt a month before our wedding"

    271. "He hid $30K of debt a month before our wedding"
    Jul 28 2026
    Ramit Sethi of I Will Teach You To Be Rich speaks with Sana and Arhem, both 27 and newly married. One month before their wedding, Arhem revealed that he had hidden $30,000 of credit card debt. After they both lost their jobs, Sana discovered that he had fallen even further into debt without telling her. Today, they earn $188,000 a year and have created an aggressive plan to tackle their $165,000 of total debt. But while their numbers are improving, the betrayal has fundamentally changed their relationship. Sana has become the financial orchestrator, while Arhem feels like a student trying to prove that he can be trusted again. In this episode we uncover: • Why Arhem hid $30,000 of credit card debt before their wedding • How Sana discovered that the debt had grown again • Why the financial betrayal nearly ended their relationship • How they are rebuilding trust after years of secrecy • Their professor-and-student dynamic with money • Why Sana feels responsible for supporting her entire family • How cultural expectations shape her financial decisions • Their $188,000 income and $165,000 of total debt • Why their highly organized financial system still feels joyless • How Arhem accumulated his credit card debt • Why earning more money will not stop Sana from worrying • The danger of postponing happiness until they are debt-free • Why their debt payoff plan may be too aggressive • The connection between joint finances and rebuilding trust • Why Ramit recommends couples therapy • How they can start prioritizing their marriage • The changes Sana and Arhem made after the conversation Chapters: (00:00:00) Introduction (00:03:09) Arhem hid $30,000 of debt before their wedding (00:08:06) “If things don’t change, the relationship is done” (00:12:40) Can Sana ever completely trust Arhem again? (00:15:26) Their professor-and-student money dynamic (00:17:35) Why Sana feels responsible for supporting her family (00:28:18) Their $165,000 debt and negative net worth (00:30:27) They earn $188,000—but live like they’re struggling (00:35:12) “When do I actually get to enjoy my life?” (00:46:26) Sana’s childhood money rules (00:56:26) How Arhem accumulated his credit card debt (01:04:02) What does their Rich Life actually look like? (01:09:14) Why their relationship keeps coming second (01:17:53) Ramit reviews their aggressive debt payoff plan (01:21:46) Why they need to start spending on joy now (01:29:47) Joint finances, trust, and couples therapy (01:36:35) Putting their marriage ahead of everyone else (01:47:33) Sana and Arhem’s biggest realizations (01:55:02) Six weeks later: what changed? This episode is brought to you by: Fabric by Gerber Life | Go to meetfabric.com/RAMIT and apply today, risk-free Wispr Flow | Try Wispr Flow for free at wisprflow.ai/ramitDeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit If you’re part of a small group listening to this podcast that is willing to take action, I built Road to $100K for you - a step-by-step program on how to reach $100K. Join Rich Life: Road to $100K at iwt.com/100K. Connect with Ramit • Get my new book, Money For Couples • Join my Rich Life: Road to $100K program • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Apply to be coached for free on this podcast at https://iwt.com/apply
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    1 ora e 59 min
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