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
  • 281. "We have 4 kids and nearly $1M in debt. Are we screwed?”

    281. "We have 4 kids and nearly $1M in debt. Are we screwed?”
    Oct 6 2026
    Ramit unpacks what happens when inconsistent income, mounting debt, and years of avoiding difficult money conversations leave a couple in their 40s feeling like they’re running out of options. Ramit Sethi of I Will Teach You to Be Rich talks with Rebecca and Matthew, who have been married for 16 years and have four children. They earn around $185,000 a year, but their income is unpredictable, their fixed costs are at 84%, and they have just $1,000 in savings and $45,000 invested. They also have more than $633,000 in debt plus another $350,000 in law school loans that could bring their total debt close to $1 million. Their biggest challenge isn’t simply learning how to budget. Rebecca feels constantly in the dark about when they’ll get paid and where their money is going, while Matthew avoids difficult conversations and tries to solve financial problems on his own. Ramit helps them confront the chaser-avoider dynamic they’ve repeated for years, why borrowing money and moving cash between accounts has never solved the underlying problem, and whether Matthew may need to walk away from his business and choose a stable income to protect their family’s future. A special thanks to our new partners at Monarch for sponsoring this episode. Try Monarch for free today, and get 50% off your first year of Monarch’s core tier at monarch.com/ramit, promo code RAMIT. When you sign up with my link only, you’ll get your Monarch account customized with my exact CSP categories so you can see exactly how you’re stacking up to your plan each month. That’s monarch.com/ramit, promo code RAMIT. In this episode, we uncover: How inconsistent income has made it almost impossible for them to plan their finances Why Rebecca says their financial situation feels “hopeless” How their money system keeps them overspending, borrowing, and blaming each other Why their $633K of debt could actually be closer to $1 million How Matthew’s $350K law school debt has doubled since graduation Why 84% fixed costs, 1% savings, and 0% investing are putting their future at risk How their spending reveals they’re regularly buying things they haven’t actually planned for Why Rebecca says she feels in the dark about money, paychecks, and their financial situation. How their chaser-avoider dynamic mirrors the money patterns Matthew saw growing up Why Matthew may need to leave his business for a stable job and why earning more alone won’t fix their relationship with money Chapters: (00:00:00) Introduction (00:07:56) The money arguments keeping them stuck (00:22:25) Ramit opens up their finances (00:40:54) Why their fixed costs are so high (00:51:48) The spending they couldn't afford (01:05:08) Why Matthew avoids money conversations (01:14:11) Creating new rules to manage money together (01:23:16) Should Matthew leave his business? (01:32:30) The difficult financial choices facing their family (01:43:41) What their retirement could look like 💡 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 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 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. 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 Wispr Flow | Try Wispr Flow for free at wisprflow.ai/ramit MasterClass | For unlimited access to every class and at least 15% off any annual membership, go to https://masterclass.com/ramit Monarch | Try Monarch for free today, and get 50% off your first year of Monarch’s core tier with code RAMIT at monarch.com/ramit Want to know exactly when you’ll hit your first $100K? Rich Life: Road to $100K gives you a step-by-step system to automate your money, accelerate your timeline, and build your Rich Life along the way. ...
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    1 ora e 55 min
  • 280. "We have $11M in assets. Why are we still living month to month?"

    280. "We have $11M in assets. Why are we still living month to month?"
    Sep 29 2026
    Ramit unpacks what happens when a couple earns more than $1 million a year but still feels like they’re living month to month, and how a lifestyle built around family, community, and tradition can become almost impossible to afford. Ramit Sethi of I Will Teach You to Be Rich talks with Margo and Kevin, 42 and 52, who live in Brooklyn with their five children. They take home around $600,000 a year and have approximately $11 million in assets, yet only around $50,000 in savings. Once Ramit uncovers expenses missing from their original plan, including private school tuition and summer camps, their fixed costs climb above 100% of their take-home pay, revealing that they’re spending more than they make every month. Their biggest challenge isn’t simply earning more money. Kevin has taken on most of the finances while Margo has had limited visibility into their overall financial picture, and neither of them has a clear picture of where their money is actually going. Ramit helps them confront how community norms and family traditions shape what they see as non-negotiable, and the difficult choices they may need to make around private school, their homes, their children, and the lifestyle they’ve built. In this episode, we uncover: How a couple earning over $1 million a year can still live month to month Why they describe themselves as “rich poor people” How missing expenses push their fixed costs above 100% of their take-home pay Why $160K in tuition and camps completely changes their financial picture How a $400K–$500K mold crisis wiped out much of their financial cushion Why they have $11 million in assets but only around $50K in savings Why Kevin manages most of the money while Margo has limited visibility into their finances How childhood money lessons shaped their “earn more, spend more” cycle How community and tradition shape their spending Why they may need to make major changes to their homes, education costs, and spending to finally start saving and investing Chapters: (00:00:00) Introduction (00:02:00) Why they call themselves “rich poor people” (00:25:00) Ramit opens up their numbers (00:43:00) The hidden expenses pushing them over 100% (01:06:00) How their childhoods shaped their money habits (01:11:00) How community and tradition shape their spending (01:15:00) They finally confront what has to change (01:33:00) Why $11M in assets still leaves them cash poor (01:36:00) Private school, their homes, and the difficult decisions ahead (01:58:00) Follow-ups 💡 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 brought to you by: Ladder | Get a free 7-day trial and $10 off your first month at ⁠https://ladder.fit/RAMIT⁠ NordVPN | Get an exclusive NordVPN deal + 4 months extra at https://nordvpn.com/RAMIT Skylight | Get $30 off a 15-inch Calendar at ⁠https://myskylight.com/ramit Notion | Learn more about how Notion can support your business at https://notion.com/ramit Wildgrain | Get $30 off the first box — PLUS free Croissants for life — at https://wildgrain.com/ramit Want to know exactly when you’ll hit your first $100K? Rich Life: Road to $100K gives you a step-by-step system to automate your money, accelerate your timeline, and build your Rich Life along the way. Join today: iwt.com/100K 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 1 min
  • 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
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