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
  • 265. "We spend 179% of what we make. Are we screwed?"

    265. "We spend 179% of what we make. Are we screwed?"
    Jun 16 2026
    Ramit Sethi of I Will Teach You To Be Rich talks to Melissa and Taryn, a married couple in their 40s living in Los Angeles with five children. They have a net worth of over $700K, nearly half a million invested, and a successful business, but their finances are on the edge. After Taryn took a $75K pay cut and was later laid off from Netflix, they continued building a $200K pool, took on a $100K family loan, and now face fixed costs of 179%. Ramit helps them confront the brutal math behind their situation, the emotional reasons they keep avoiding it, and the radical changes they may need to make before they run out of money. In this episode we uncover: • Why Melissa and Taryn built a $200K pool after a major pay cut • How Taryn’s Netflix layoff changed everything • Why their fixed costs hit a shocking 179% • The real cost of their $100K family loan • Why “everything goes on a credit card” became normal • How they ended up with $1.2M in debt • Why selling the house may not solve the problem • The hidden danger of renting another expensive home • Why Melissa’s successful business still may not be enough • How grief and loss shaped their relationship with travel and money • Why Taryn feels like she just “makes the money” • The emotional power dynamic behind their spending decisions • Why small cuts like subscriptions won’t fix a structural problem • Ramit’s warning that they may be setting themselves up to struggle again • The uncomfortable reality of moving out of Los Angeles • Why their marriage needs a mission, not just a budget • How their kids are already affected by their money choices • Ramit’s advice for making radical change before the clock runs out ⏩ CHAPTERS (00:00:00) “I just want the debt gone” (00:01:23) Meet Melissa and Taryn (00:02:40) Taryn’s Netflix layoff (00:04:18) Buying the house after a $75K pay cut (00:05:39) The real cost of the pool (00:07:48) Taking a $100K family loan (00:10:50) Why the debt cycle keeps repeating (00:15:25) Taryn’s role as the “money maker” (00:18:03) Their income no longer matches their life (00:20:03) Ramit reveals their 179% fixed costs (00:21:20) Why selling the house isn’t enough (00:22:51) The rent math gets even worse (00:26:46) The clock is ticking (00:31:25) Could they move to South Carolina? (00:41:24) The power dynamic in their marriage (00:57:16) Defining their Rich Life (01:02:18) What happens after selling the house? (01:15:28) Ramit confronts the decision they’re avoiding (01:28:48) Talking to their kids about money (01:36:58) Final thoughts and next steps This episode is brought to you by: Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 20% off ZocDoc | Go to https://zocdoc.com/ramit to find and instantly book a top-rated doctor today #sponsored Wispr Flow | Try Wispr Flow for free at wisprflow.ai/ramit Leesa | Go to https://leesa.com for 25% off mattresses PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Apply to be coached for free on this podcast at https://iwt.com/apply
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  • 264. "We’re worth $4M. Why is she so terrified to spend?"

    264. "We’re worth $4M. Why is she so terrified to spend?"
    Jun 9 2026
    Ramit Sethi of I Will Teach You To Be Rich talks to J and Ana, a couple in their early 40s with three children who have built nearly $4 million in net worth through decades of hard work, saving, and real estate investing. On paper, they are in an incredible financial position. They have around $4.8 million in assets, more than $1.2 million invested, $136K in savings, and a net worth just under $4 million. But despite all of that, they still don’t feel free. J applied because he feels like they’ve had their foot on the gas since they were teenagers and don’t know when they’re allowed to cruise. He wants to relax, travel, and enjoy the life they’ve built. Ana wants that too, but her fear of debt, her desire to protect their kids, and her instinct to keep building make it almost impossible for her to stop. What looks like a conversation about rental properties, credit cards, cars, and spending is really about safety, identity, immigrant family scripts, and learning how to enjoy money after a lifetime of working. In this episode we uncover: • Why J and Ana still feel stressed despite having nearly $4 million in net worth • How decades of hard work and real estate investing shaped their money dynamic • Why J feels ready to slow down, but Ana struggles to believe they have enough • Why selling one house feels like both a financial decision and a family decision • How credit card spending, shoes, cars, and hobbies became recurring conflict points • Why J feels like he has to justify his spending • The parent-child dynamic that shows up in their money conversations • Why Ramit challenges them on changing the CSP numbers • How immigrant family history shaped Ana’s relationship with work, money, and worry • The question of whether multiple properties are still part of their Rich Life • How becoming more decisive may be the real work ahead Chapters: (00:01:44) Meet J and Ana (00:03:34) “Our foot is stuck on the gas” (00:04:28) Ana doesn’t know when it’s time to sell (00:05:21) Why they are never on the same page about money (00:07:11) The credit card statement fights (00:08:44) Ana’s dream: take away the card and pay off properties (00:10:14) Shoes, cars, and spending guilt (00:13:04) The parent-child dynamic in their money conversations (00:14:47) Looking at the Conscious Spending Plan together (00:18:08) Income, rental properties, and CSP confusion ( 00:30:32) The family house they can’t agree on selling (00:34:12) Why making more money hasn’t made them feel better (01:38:30) Ana’s challenge: learning to spend on herself (01:42:53) Ramit’s final warning: they need to become decisive together This episode is brought to you by: DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkoutNetsuite | Get the free guide “Demystifying AI” at https://netsuite.com/ramit Superhuman Mail | Turn your inbox into momentum. Sign up at https://superhuman.com/ramit. Fabric by Gerber Life | Join the thousands of parents who trust Fabric to protect their family. Apply today in just minutes at https://meetfabric.com/ramit Factor | Head to factormeals.com/ramit50off and use code ramit50off to get 50 percent off and free daily greens per box, with new subscription only, while supplies last until 09/27/2026. (See website for more details). Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Apply to be coached for free on this podcast at https://iwt.com/apply
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    1 ora e 52 min
  • 263. "We spend 102% of what we make. Will we ever stop drowning?"

    263. "We spend 102% of what we make. Will we ever stop drowning?"
    Jun 2 2026
    Ramit Sethi of I Will Teach You To Be Rich talks to Freya and Blake, a couple in their mid-40s with two young children who are facing one of the most urgent financial situations we’ve seen on the show. Together, they earn around $143K a year, but their fixed costs are at 102%, they have $0 in savings, only $180 invested, and more than $96K in debt. Freya applied because she feared they were close to becoming homeless. On the surface, their problem looks like debt. Underneath, it’s avoidance, guilt, lack of partnership, and years of “we’ll figure it out later.” Freya carries the emotional labour of the household and money decisions, while Blake admits he avoids the numbers and tries to solve problems by simply making more money. Ramit helps them confront the reality of their situation, stop tinkering around the edges, and build a radical plan that gives their family a chance to get stable. In this episode we uncover: • Why Freya and Blake are spending more than they make every month • How their fixed costs reached 102% of their income • Why having a $143K income still isn’t enough when there’s no system • The $96K debt number that forces them to face reality • Why Freya feels like she has to manage everything alone • Blake’s “ostrich” approach to money and avoidance • How trips, skiing, and everyday spending became symptoms of a bigger issue • Why being intelligent doesn’t protect you from bad money decisions • The emotional cost of having $0 in savings with two young children • How childhood, privilege, resentment, and guilt shaped their money habits • Why hustling stops working once fixed costs get too high • Ramit’s warning that they are weeks away from not being able to pay rent • Why Blake may need to aggressively increase his income • How they move from blame and panic into a shared plan • Their follow-up reflections on what finally felt doable Chapters: (00:01:20) Meet Freya and Blake (00:03:30) Why Freya applied to speak with Ramit (00:05:23) “Do you want to have a budget conversation?” (00:05:56) The skiing trip that became a money fight (00:08:22) The Mexico trip they couldn’t afford (00:13:52) Savings are gone and the safety net has disappeared (00:15:16) Freya carries the planning, groceries, kids, and money stress (00:21:54) Looking at the Conscious Spending Plan together (00:24:01) The real debt and net worth numbers land (00:31:24) Why 102% fixed costs means they are broke (00:32:04) Ramit warns they are weeks away from not paying rent (00:34:54) Childhood money lessons and blame (00:43:57) Borrowing money to avoid eviction (00:48:11) Blake’s belief that more income will solve everything (00:57:14) Guilt, family, and saying yes when they should say no (01:03:00) Defining a realistic Rich Life from where they are now (01:08:30) Childcare costs disappearing (01:15:03) Freya asks Blake to help with grocery planning (01:18:00) Why savings comes before debt payoff right now (01:34:00) Why the plan finally feels doable This episode is brought to you by: Grow Therapy | Visit https://growtherapy.com/ramit to find a therapist today. LMNT | Get a free LMNT Sample Pack with any order at https://drinklmnt.com/RAMIT MasterClass | For unlimited access to every class and at least 15% off any annual membership, go to https://masterclass.com/ramit Facet | As of the date of this recording, Facet is waiving the enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to facet.com/ramit to learn more about which membership option is best for you. Offer has been extended to 12/31/2026. #FacetAd Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Have you or your partner realised you’re paying a 1% financial advisor hundreds of thousands of dollars in fees over your lifetime? Maybe you feel stuck because they’re your “family money guy,” If so, I want to talk. Apply to be on my podcast at https://iwt.com/apply
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    1 ora e 40 min
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