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
  • 279. “He lost his $150k job, but I make every decision - can we fix this?”

    279. “He lost his $150k job, but I make every decision - can we fix this?”
    Sep 22 2026
    Ramit unpacks how to manage money as a couple after a job loss and what happens when one partner carries most of the financial responsibility while the other starts stepping back. Ramit Sethi of I Will Teach You to Be Rich talks with Isabelle and Ryan, 37 and 40, who have been married for 12 years and have a four-year-old daughter. After Ryan was laid off from his $150,000 software engineering job, Isabelle became the sole earner. They have around $1.2 million in assets and an $800,000 net worth, but two mortgages and fixed costs at 83% of their income have left them trying to figure out how to manage their money on one income. Their biggest challenge isn’t simply how to budget or save money. Isabelle manages most of their financial planning and decision-making, while Ryan struggles with money anxiety, guilt around spending, and feeling shut down when he tries to get involved. Ramit helps them understand how childhood scarcity shaped their relationship with money, how to communicate about finances without falling into a parent-child dynamic, and how reducing their fixed expenses could give them more freedom to actually enjoy the money they’ve built. In this episode, we uncover: How to manage money as a couple after a job loss How to budget on one income without letting financial anxiety take over Why Isabelle feels exhausted managing their financial future Why Ryan feels guilty spending money despite their $800K net worth How a $3,000 espresso machine exposes his money anxiety Why their fixed costs have reached 83% of their income How two mortgages are putting pressure on their monthly budget How childhood scarcity shaped their relationship with money Why their dynamic has started to feel like a parent-child relationship How clear money rules and lower fixed expenses could help them become a team Chapters: (00:00) Introduction (02:00) Why Isabelle feels responsible for their financial future (04:00) The purchase that exposes Ryan’s money anxiety (09:50) How losing his $150K job changed their roles (39:00) Ramit opens up their numbers (48:00) Why they’re paying two mortgages (01:04:00) How childhood scarcity shaped their money dynamic (01:23:00) The parent-child dynamic they’ve fallen into (01:38:00) Ryan and Isabelle make a new financial plan (02:07:00) Follow-ups 💡 RAMIT’S PODCAST NEWSLETTER • I share new ways to think about money every Saturday. Get the emails here: https://iwt.com/podcastnewsletter 🙌 GET HELP FROM RAMIT SETHI • Order my new book: Money for Couples: https://iwt.com/moneyforcouples • Take control of your money with the Conscious Spending Plan: https://iwt.com/csp • Optimize your credit cards with the 1st chapter of my book: https://iwt.com/chapter1-pod • Join my Rich Life: Road to $100K program: https://iwt.com/100k • Listen to my book — now on Audible: https://amzn.to/48zko28 🤳 CONNECT WITH RAMIT SETHI • Instagram: https://www.instagram.com/ramit/ • X: https://twitter.com/ramit ✅ SUBSCRIBE SO YOU DON’T MISS ANY EPISODES https://youtube.com/user/ramitsethi/featured/ This episode is brought to you by: ZocDoc | Taking care of your health just got easier – start here with Zocdoc: https://zocdoc.com/RAMIT #sponsored ElevenLabs | If you run a business or handle customer operations across support, sales, or marketing, start with a demo at https://elevenlabs.io/ramit Granola | Try Granola totally free at https://granola.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 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 Apply to be coached for free on this podcast at https://iwt.com/apply
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    2 ore e 15 min
  • 278. "We spend 108% of what we make. Are we screwed?"

    278. "We spend 108% of what we make. Are we screwed?"
    Sep 15 2026
    Ramit unpacks how to stop overspending, take control of your money as a couple, and prepare financially for starting a family. Ramit Sethi of I Will Teach You to Be Rich talks with Grace and Chris, who are 30 and 29 and have been married for six months. They have around $119,500 invested and unusually low housing costs, yet their finances feel chaotic and unstable. They spend more than they make, struggle to understand where the money goes, and have never had a substantive conversation about money as a couple. The deeper problem is the dynamic they’ve fallen into. Grace handles most of the money while Chris takes a back seat, and both avoid the uncomfortable conversations they know they need to have. With children now part of their near-term plans, Ramit pushes them to confront where their habits came from and what has to change before the stakes get even higher. In this episode, we uncover: Why Grace feels like she’s managing their money alone How Chris’s avoidance keeps the same cycle going Why “we’ll figure it out later” keeps costing them How a $100 weekend budget disappeared at a baseball game Why 108% fixed costs are only part of the problem How Amazon, eating out, and social spending keep slipping through the cracks How inheritance, a mortgage-free home, and family support shaped their relationship with money How their childhoods taught them to avoid talking about money Why starting a family makes their financial situation more urgent How they can finally start making financial decisions as a team Chapters: (00:00:00) Introduction (00:02:36) “I’m crying for help on a sinking ship” (00:16:53) The baseball game that exposes their money dynamic (00:24:22) Ramit opens up their numbers (00:40:37) Where their $119K investments came from (00:47:40) What their childhoods taught them about money (00:56:46) They’ve never defined their Rich Life (01:04:04) What happens if nothing changes? (01:18:32) Can they make the next 15 months work? (01:31:43) Follow-ups This episode is brought to you by: Wispr Flow | Try Wispr Flow for free at wisprflow.ai/ramit Gelt | Gelt is taking on new clients now. Find out if you qualify at https://joingelt.com/ramit NetSuite | If your revenues are at least in the seven figures, get the free business guide “Aligning for the Agentic Era: How AI Is Changing Everyday Work” at https://netsuite.com/ramit DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout Got a money question you’ve always wanted to ask me? Join me live on September 17th for “Why Your Budget Keeps Failing.” I’ll show you how to build a Conscious Spending Plan and answer your questions live. Join me: https://iwt.com/budget Ever wondered what recruiters actually think when they see your application? On September 16th, Google recruiter Nicky Slavich will reveal what makes recruiters keep reading and when to apply even if you’re underqualified. RSVP free: https://iwt.com/expertsession Connect with Ramit: Get my new book, Money For Couples Get Money Coaching with Ramit Download the Conscious Spending Plan Listen to my book—now on Audible Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube Apply to be coached for free on this podcast at https://iwt.com/apply
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    1 ora e 35 min
  • 277. "He has $100K of debt. Should I still marry him?"

    277. "He has $100K of debt. Should I still marry him?"
    Sep 8 2026
    Ramit unpacks whether Randy can move toward marriage while Mack brings $100,000 of debt into their future together and whether that debt could become a problem they both have to live with. Randy and Mack are in their early 30s, and are talking seriously about marriage. But their financial lives look completely different. Randy has a net worth of around $102,000, while Mack is at roughly negative $56,000, largely because of $100,000 of debt. Randy feels increasingly “handcuffed” by what that debt means for their future, while Mack worries that he has gone from being supported to becoming a problem to solve. Ramit quickly discovers that the real issue is not simply the debt. Mack already has an aggressive payoff plan that could make him debt-free in under four years. The deeper problem is trust, avoidance, and the way they manage money as a couple. Ramit helps them rethink their 50/50 split, build a more equitable system, and create a plan where Mack takes ownership of his debt while they start making financial decisions as a team. In this episode, we uncover: Why Randy feels “handcuffed” by Mack’s financial situation as they discuss marriage How a couple earning $309,000 ended up with radically different financial lives How Mack accumulated $100,000 of debt Why Randy’s fixed costs are 47% while Mack’s are 87% Why Mack avoids money even though he manages large budgets professionally How Mack’s debt went from his problem to their problem Why Ramit thinks Mack’s debt payoff plan is actually a strong one The hidden trust issue underneath their arguments about money Why splitting their shared expenses 50/50 no longer works How they can become debt-free in under four years while still saving, investing, and enjoying life Chapters: (00:00:00) Introduction (00:02:53) Randy feels “handcuffed” by Mack’s debt (00:23:20) Their numbers reveal a huge financial divide (00:34:47) How Mack accumulated $100K of debt (00:43:08) Mack’s debt payoff plan surprises Ramit (00:53:35) How their childhoods shaped their money beliefs (01:06:43) The real issue underneath the debt: trust (01:10:43) Building their shared Rich Life (01:15:58) Why splitting everything 50/50 no longer works (01:31:32) Follow-ups: what changed after the conversation This episode is brought to you by: Skylight | Get $30 off a 15-inch Calendar at https://myskylight.com/ramit Facet | As of the date of this recording, Facet is waiving the enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to facet.com/ramit to learn more about which membership option is best for you. Offer has been extended to 12/31/2026. #FacetAd Grow Therapy | Visit https://growtherapy.com/ramit to find a therapist today DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout Factor | Head to https://factormeals.com/ramit50off and use code RAMIT50OFF to get 50% off and one free breakfast item per box for one year, while supplies last until 10/31/2026. See website for more details. Got a money question you’ve always wanted to ask me? Join me live on September 17th for “Why Your Budget Keeps Failing.” I’ll show you how to build a Conscious Spending Plan and answer your questions live. Join me: https://iwt.com/budget Ever wondered what recruiters actually think when they see your application? On September 16th, Google recruiter Nicky Slavich will reveal what makes recruiters keep reading and when to apply even if you’re underqualified. RSVP free: https://iwt.com/expertsession Connect with Ramit: • Get my new book, Money For Couples • Join my Rich Life: Road to $100K program • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Apply to be coached for free on this podcast at https://iwt.com/apply
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    1 ora e 39 min
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