Money For Couples with Ramit Sethi

Епизоди

• 263. "We spend 102% of what we make. Will we ever stop drowning?" 02.06.2026 1ч 40мин

  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
• 262. "We make $167k. Why do we feel poor?" 26.05.2026 1ч 53мин

  Ramit Sethi of I Will Teach You To Be Rich talks to Drew and Amanda, a married couple earning around $167,000 a year with a net worth of over $800,000. On paper, they look financially successful but behind the scenes, their fixed costs are dangerously high, their savings are low, and their spending decisions are causing tension in the relationship. Drew admits he struggles with spending, while Amanda finds it difficult to say no, leaving them stuck in a pattern where money feels stressful instead of empowering. In this episode we uncover: • Their household income of around $167,000 a year • Why they still feel financially stretched despite a strong net worth • Their surprisingly low savings compared with their assets • How fixed costs reached around 89% of their gross income • Drew’s struggle with spending and impulse decisions • Amanda’s difficulty saying no without feeling like the “bad guy” • The hidden relationship dynamic behind their financial stress • Why eating out 6–8 times a week became a major spending leak • The role of bonuses in justifying bigger spending decisions • Amanda’s childhood experiences with financial instability • Drew’s “you only live once” money mindset • How their daughter is learning from their financial behaviour • Ramit’s challenge for them to stop making emotional money decisions • Why vacations may need to pause while they rebuild savings • Their plan to create a family money philosophy and emergency fund ⏩ CHAPTERS (00:03:15) Why Drew applied to the podcast (00:07:00) The hidden decision-making problem (00:10:30) Why they don’t feel like a team with money (00:16:15) Their financial numbers revealed (00:21:15) The reality of their household income (00:29:25) Fixed costs are the real problem (00:33:10) The truth about eating out (00:35:50) How bonuses fuel spending (00:39:30) The couple who struggle to say no (00:45:30) Amanda’s childhood money story (00:56:30) Their inherited money beliefs (00:58:20) Starting their Rich Life vision (01:04:00) Pausing vacations to rebuild stability (01:10:00) Drew practices saying no (01:16:30) Amanda’s role changes (01:20:30) Cutting subscriptions and eating out (01:29:30) Redirecting money toward savings (01:36:00) Creating a family money philosophy (01:44:30) Ramit’s final advice THIS EPISODE IS BROUGHT TO YOU BY Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout Wispr Flow | Try Wispr Flow for free at wisprflow.ai/ramit 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 Calling LA couples: Apply to be coached for free on this podcast at https://iwt.com/apply
• 261. "We’re in our 40s with nothing saved. Will we be ok?" 19.05.2026 1ч 33мин

  Ramit Sethi of I Will Teach You To Be Rich talks to Sebastien and Hope, a married couple in their forties who have been together for 20 years, married for 16, and have a nine-year-old son. They earn around $195,000 a year, have $674,000 in assets, $129,000 invested, just $11,000 in savings, and $437,000 in debt. On paper, they are not broke, but emotionally, Sebastien still feels like they are constantly scrambling, while Hope believes their personal finances are in the best place they have ever been. Both recently became business owners, with Hope running an architecture firm and Sebastien running a wine importing business, but the risk of entrepreneurship, debt, low emergency savings, and under-investing for retirement has left them stuck between optimism, fear, and avoidance.   In this episode we uncover: • Why Sebastien still feels broke, even though their finances are stronger than they used to be • How Hope’s optimism clashes with Sebastien’s fear about the future • Their combined income of around $195,000 a year • Their assets of $674,000, investments of $129,000, savings of $11,000, and debt of $437,000 • Why having only one month of emergency savings puts them in a risky position • How both Hope and Sebastien became business owners after buying existing companies • Hope’s architecture business and Sebastien’s wine importing business • Why Ramit says they are talking around the numbers instead of confronting them directly • How their current retirement projection could give them only around $35,000 a year • Why Hope’s $130,000 retirement dream requires a much more aggressive investing plan • Why their guilt-free spending and fixed costs are squeezing savings and investments • How one final credit card payment could drop their fixed costs from 67% to 52% • Why their grocery spending becomes one of the first practical areas to tighten • Ramit’s math mistake in the episode and why the overall lesson still stands • Sebastien’s need for a clear business runway and decision point • Hope’s realization that she was not being fully honest with herself about their finances ⏩ CHAPTERS (00:00:53) Introduction: is it too late to be successful with money? (00:02:40) Sebastien and Hope’s financial snapshot (00:04:11) Their annual “executive household planning retreat” (00:06:01) Ramit asks if their planning system is actually working (00:08:02) Sebastien’s fear about his wine importing business (00:11:31) How they each became business owners (00:15:31) Feeling broke vs actually being broke (00:16:47) Ramit reads Sebastien’s application back to Hope (00:20:08) Assets, investments, savings, debt, and net worth (00:21:21) Ramit pushes them to say: “It’s not enough” (00:23:20) Their projected retirement number (00:25:31) Ramit points out they only have one month of emergency savings (00:33:31) Their CSP: fixed costs, investments, savings, and guilt-free spending (00:34:24) Breaking down their $437,000 debt (01:01:22) The $45,500-a-year investment target (01:15:59) Sebastien’s business plan and runway (01:24:20) Ramit’s final advice: redo the CSP and lock in the numbers (01:25:46) Hope’s follow-up (01:27:40) Sebastien’s follow-up (01:29:22) Their updates: increased IRA contributions and Vanguard investing This episode is brought to you by: Netsuite | Get the free guide “Demystifying AI” at https://netsuite.com/ramit LMNT | Get a free LMNT Sample Pack with any order at https://drinklmnt.com/RAMIT Factor | Head to https://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). DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout Get 25% off my programs until Friday May 15th at iwt.com/programs with code RESET26. 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 Calling LA couples: Apply to be coached for free on this podcast at https://iwt.com/apply
• 260. "We’re in our 40s and forgot to invest. Are we screwed?" 12.05.2026 1ч 52мин

  Ramit Sethi of I Will Teach You To Be Rich talks to Nicole and Shane, an engaged couple in their forties getting married in just 11 days. Together they earn $241,000 a year, have a net worth of $588,000, and hold $265,000 in savings, but their financial lives are still tangled. Nicole has built a rich life around travel, dining out, and intentional spending, while Shane is a natural saver whose job has covered most of his living expenses. As they prepare for marriage, a future child, and a major shift in Nicole’s income, Ramit helps them confront the messy reality of combining money, separating business and personal finances, investing more aggressively, and turning vague dreams into a real shared Rich Life.   In this episode we uncover: • Why Nicole’s $10,000-a-month spending shocked Shane early in their relationship • How Nicole built a “Rich Life” for one through travel, dining out, and dedicated savings • Shane’s unusual work setup where housing, food, and utilities have been covered • The tension of combining finances just 11 days before their wedding • Why Nicole feels judged for her lifestyle, even though her numbers are strong • Their combined income of $241,000 a year and net worth of $588,000 • Why Shane has a higher net worth despite Nicole earning slightly more • Nicole’s concern that her income could drop by half after having a child • How Nicole’s business and personal finances became dangerously tangled • Their surprisingly low fixed costs and unusually high savings rate • Why having $265,000 sitting in savings may actually be holding them back • Shane’s habit of trying to time the market when investing • Why their projected $1.7 million retirement portfolio may not be enough for the life they want • Ramit’s advice on turning their messy numbers into a shared financial vision before marriage ⏩ CHAPTERS (00:00:00) Teaser: “You spend $10,000 a month?” (00:01:02) Introduction: combining money before marriage (00:02:47) Nicole and Shane’s financial snapshot (00:06:53) Nicole feels judged by her lifestyle (00:08:50) Nicole’s Rich Life: travel, dining out, and $500 dresses (00:12:45) How marriage changes Shane’s living situation (00:15:38) Reviewing their Conscious Spending Plan (00:19:42) Their $241,000 household income (00:24:01) Ramit explains why letting the prenup discussion go was a mistake (00:27:20) Nicole’s business and personal finances are mixed together (00:35:00) The problem with saving 42% but under-investing (00:40:32) Nicole’s guilt-free spending doesn’t add up (00:45:26) Ramit explains the danger of tracking without understanding (00:48:53) Their retirement projection (00:50:13) Why $1.7M may not be enough (00:52:05) Reallocating savings instead of only cutting spending (01:20:12) Turning dreams into a realistic financial vision (01:47:11) Ramit’s final advice: use the time before income changes wisely (01:50:00) Follow-ups and closing thoughts This episode is brought to you by: Netsuite | Get the free guide “Demystifying AI” at https://netsuite.com/ramit LMNT | Get a free LMNT Sample Pack with any order at https://drinklmnt.com/RAMITFactor | Head to https://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). DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkoutGet 25% off my programs until Friday May 15th at iwt.com/programs with code RESET26. 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 on my podcast at https://iwt.com/apply 
• 259. "We’re worth $1.5M but I refuse to buy new pants" 05.05.2026 1ч 46мин

  Ramit Sethi of I Will Teach You To Be Rich talks to Mikaela and Dave, both in their early thirties, parents of two young children, and earning an impressive $278,000 a year. Despite a net worth nearing $1.5 million, they struggle to spend money, even on necessities. Mikaela wears clothes with holes, and Dave sits in an uncomfortable chair, all rooted in a scarcity mindset developed from past challenges and recent life events. Ramit helps them explore their money beliefs, encouraging them to redefine their rich life beyond just accumulating wealth. In this episode we uncover: • Their surprising net worth of nearly $1.5 million in their early thirties • Mikaela's struggle to replace workout leggings with holes, even when she can afford it • Dave’s discomfort with his office chair despite working from home • The recent health scares that have frozen their spending decisions • Why Mikaela still views money through a lens of scarcity despite their wealth • The shocking realization of their actual household income versus their perception • The invisible labor dynamics in their financial management • Mikaela's childhood experiences with financial stress and lack of fun • How past trauma and family loss continue to influence their spending habits • The challenge of transitioning from a "hoarder's mentality" to enjoying their money • Their vision for a Rich Life that includes travel and personal well-being • Ramit’s advice to ban the word "need" from their financial vocabulary ⏩ CHAPTERS (00:00:00) Introduction (00:03:08) Why they struggle to spend money (00:06:08) The impact of past health scares (00:14:00) What it means to be "frozen" (00:16:32) The origins of their frugal mindset (00:33:51) The shock of their true income (00:40:00) Rebuilding financial foundations (00:46:08) Mikaela's childhood and money lessons (00:52:19) The profound impact of family loss (01:06:00) Building an amazing relationship with money (01:14:38) How to get help from Ramit (01:16:40) Reimagining the concept of "need" (01:19:15) The value of Mikaela's time (01:27:00) The invisible labor in financial planning (01:31:00) Ramit's challenge for Dave to initiate fun spending (01:35:10) Setting boundaries for family finances (01:37:00) Defining their rich life together (01:44:30) Ramit's parting advice This episode is brought to you by: 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 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 Wildgrain | Get $30 off the first box — PLUS free Croissants for life — at https://wildgrain.com/ramit Wispr Flow | Try Wispr Flow for free at wisprflow.ai/ramit 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 • YouTubeHave you or your partner fallen for a scam? Maybe gotten bad financial advice from someone who didn't keep their promises? If so, I want to talk. Apply to be on my podcast at https://iwt.com/apply
• 258. "We had $900K. Now we’re $100K in debt" 28.04.2026 1ч 33мин

  Ramit Sethi of I Will Teach You To Be Rich talks to Kristina and Erin, a married couple who have been together for 10 years, raising two children in Toronto. They make good money, but they have no system for their finances, which has led to years of avoidance. They've accumulated $106K in debt and have only two weeks of savings. While Erin, the "stable one," has a full-time job, Kristina’s entrepreneurial journey has been marked by wildly inconsistent income, including a $50K loss on NFTs. They both admit they don’t trust each other or themselves with money. Ramit helps them confront their fears, redefine their relationship with money, and finally start working as a team. In this episode we uncover: • How Kristina lost $50K in NFTs • Why Erin struggles with "spending with emotion" • The cultural component of their Catholic guilt around money • How their childhood experiences influence their money habits • Kristina's fear that her income won't last • The surprising truth about their combined income • Why they avoid tracking their spending • Their identity as "coach collectors" who avoid real change • Ramit's "60-second truth-telling" exercise • Why they need to be aligned as partners to achieve their goals • The true cost of credit card debt • Why their "guilt-free" spending is holding them back • Ramit's radical advice on cutting fixed costs • How they can quickly pay off their debt Chapters: (00:00:00) Introduction (00:02:40) Feeling stupid about money (00:05:23) Unspoken financial conversations (00:08:44) Fear that money won't last (00:09:25) Lack of trust around money (00:15:16) Emotional spending and guilt (00:19:55) The surprising truth about their net worth (00:22:52) The impact of high fixed costs (00:27:00) "We work too hard to feel like we don’t have anything" (00:30:45) Why past coaching failed (00:34:54) Childhood money lessons and scarcity (00:41:46) The impact of Catholic guilt (00:49:30) Goals for debt and savings (00:54:30) Ramit's 60-second truth-telling (00:58:33) Fixing the Conscious Spending Plan (01:07:07) Aligning on a Rich Life together (01:17:35) How Kristina and Erin are going to get on the same page (01:21:40) Why they're afraid to talk about money with their kids 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 checkout Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit LMNT | Get a free LMNT Sample Pack with any order at https://drinklmnt.com/RAMIT Superhuman Mail | Turn your inbox into momentum. Sign up at https://superhuman.com/podcast. 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 fallen for a scam? Maybe gotten bad financial advice from someone who didn't keep their promises? If so, I want to talk. Apply to be on my podcast at https://iwt.com/apply 
• 257. "We really want a house - but have $0 in savings" 21.04.2026 1ч 49мин

  Molly and Jason are 45 and 46, living together with a 2-year-old daughter. They earn $142,000 a year combined. They have $0 in savings, $46,000 in debt, and a net worth of just $4,842. They dream of buying a house, investing in real estate, and retiring early. But when Ramit opens their Conscious Spending Plan, the picture is stark. Fixed costs at 77%. No savings rate. $25,000 in credit card debt in Molly's name that Jason can't fully account for. And a financial system built entirely on Venmo transfers, separate accounts, and crossed fingers. What Ramit finds underneath the numbers is a relationship where one person is managing everything alone, and the other has quietly checked out. Molly researches, opens accounts, tracks the bills, and covers the overdrafts. Jason works, pays rent, and sends Venmo transfers when asked. Neither of them planned financially before having a baby. Neither of them has seen what a real financial partnership looks like. But something shifts. When Ramit shows them that working together they could reach $1.75 million by retirement, something clicks. They stop explaining why things are the way they are and start talking about what they are going to do. In this episode we uncover: Why two people earning $142,000 a year can have $0 in savings and $46,000 in debt The Venmo money transfer system that has kept them financially disconnected for years What it looks like when one partner manages everything alone while the other disengages How $4,000 in annual subscriptions disappears when nobody is looking at the full picture Why dreaming about real estate investing is the wrong move when your own finances are on fire The moment Jason admits he feels resentful and apathetic about money The plan to sell the truck, wipe the credit card debt, and combine finances for the first time What Ramit means when he says the biggest savings anyone can make is on housing costs The follow-up update from Molly and Jason Chapters: (00:00:00) "We wanna be rich. We have $0 in savings" (00:03:01) Meet Molly and Jason (00:10:00) How often do you talk about money? (00:14:00) Jason completely disengaged (00:19:00) No decisions are ever made (00:30:00) Dreamers who won't save $250 a month (00:34:11) Opening the Conscious Spending Plan (00:40:15) Fixed costs at 77% (00:46:50) Separate accounts, Venmo transfers, no shared vision (00:59:20) "Resentful. And apathetic." (01:03:00) Money psychology and upbringings (01:17:46) "You're gonna sell a truck and pay off debt" (01:41:13) Follow-ups This episode is brought to you by: Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist ZocDoc | Go to https://zocdoc.com/ramit to find and instantly book a top-rated doctor today #sponsored Leesa | Go to https://leesa.com for 20% off select mattresses PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners 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 MasterClass | For unlimited access to every class and an additional 15% off any annual membership, go to https://masterclass.com/ramit 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 If you or your partner get stressed spending $150 on dinner, or are covering up spending, I'd like to help. Apply to be coached for free on this podcast at iwt.com/apply
• 256. "We moved abroad for fun. Now we can’t afford to leave" 14.04.2026 1ч 53мин

  Liza and Bradford earn $120,000 a year as expats in Colombia, South America. They have three kids, $273,000 in net worth, and by the standards of expat life, they live well. But they have $1,500 in savings, no savings rate, and a line of credit they treat like a rainy day fund. And for five years, Liza has been pushing to move back to Canada almost every single day. When Ramit opens their Conscious Spending Plan, the income isn't the issue. Investments are protected at all costs. Savings are non-existent. And the same debt cycle they've been running for years keeps getting treated like a victory every time they pay it off. If nothing changes, moving back to Canada, the thing Liza wants most, will never actually be an option. They can't afford the flights, the furniture, or the fresh start. But this episode goes deeper than the numbers. What Ramit finds is a dynamic that has been quietly running their marriage for years. Bradford takes on every financial burden alone, and every time he does, Liza is left feeling like she has no purpose and no reason to contribute. After years of this, both of them are stuck in roles that aren't working.   In this episode we uncover: •  The expat "money hack" that turned into a trap, and why Liza hasn't been able to find traction in Colombia •  Why doubling Liza's income in Canada wouldn't actually improve their financial position •  The taxi fleet that lost between $60,000 and $100,000, and the pattern it revealed •  How Bradford's "I'll handle it" efficiency has been disempowering his wife for years •  Why Liza ties her self-worth to what companies are willing to pay her •  The debt cycle they've been treating as a win, and why Ramit sees it differently •  What a shared financial vision actually looks like for this couple •  The follow-up update from Liza and Bradford   Chapters: (00:00) Cold open: Can we afford to leave? (01:08) Episode intro + financial breakdown (02:31) Meet Liza and Bradford (05:07) The “money hack” that became a trap (09:30) Five years of the same argument (25:00) The debt cycle begins (32:30) Opening the Conscious Spending Plan (38:00) How much can Liza actually earn? (41:39) The line of credit problem (45:52) Breaking down their system (01:30:00) The pattern hurting both of them (01:33:30) What do you each need? (01:47:00) Follow-up This episode is brought to you by: 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). 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 Netsuite | Get the free guide “Demystifying AI” at https://netsuite.com/ramit Wispr Flow | Try Wispr Flow for free at wisprflow.ai/ramit   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   If you or your partner get stressed spending $150 on dinner, or are covering up spending, I’d like to help. Apply to be coached for free on this podcast at iwt.com/apply
• 255. "I’m 40 and work 2 jobs. How are we still broke?" 07.04.2026 1ч 59мин

  Ramit Sethi of I Will Teach You To Be Rich talks to Gabriella, 36, and Chris, 40, a married couple from Pennsylvania with four kids, zero savings, and $32,000 in credit card debt. They both work multiple jobs. Chris travels all week and picks up extra shifts on weekends. Gabriella juggles three income streams while running the household alone. And yet their fixed costs sit at 109% of their income and the debt keeps growing. What Ramit uncovers goes much deeper than the numbers. For years, Gabriella has been managing everything alone, building budgets Chris never looks at, covering purchases she never agreed to, and quietly losing hope. Chris has been avoiding the conversation entirely. And buried underneath it all is something neither of them mentioned in their application: they've been here before. They filed for bankruptcy. And now, with four kids in tow, they're on the exact same path. In this episode we uncover: Why two incomes and two extra jobs still aren’t enough when your fixed costs are 109% The treadmill purchase that broke Gabriella's trust What Ramit means by "95% of your money relationship is in the shadows" The bankruptcy reveal that changes everything Why Chris can't give a straight answer and what it's costing the marriage The moment Gabriella admits she stopped doing everything just to see what would happen How Gabriella's new $70K job changes the numbers overnight The Florida plan and why Ramit says it won't fix anything What it looks like when a couple finally starts working as a team Chapters: (00:00:00) "I've never not worried about money in our marriage" (00:07:10) Do you have trust issues around money? (00:15:18) "What if you just stopped doing it all?" (00:17:32) "95% of our relationship with money is in the shadows" (00:22:17) Ramit reads the separation ultimatum from her application (00:34:00) The power dynamic: who earns more, who leads? (00:46:05) "So you all are broke" (00:52:27) The bankruptcy reveal (01:00:36) The Florida plan and why it won't fix anything (01:03:31) Gabriella's new income changes everything (01:05:57) "I'm too tired of being alone" (01:58:09) Follow-ups Calling LA couples: Apply to be coached for free on this podcast at ⁠https://iwt.com/apply⁠ This episode is brought to you by: 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 DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout ZocDoc | Go to https://zocdoc.com/ramit to find and instantly book a top-rated doctor today #sponsored  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 or your partner get stressed spending $150 on dinner, or are covering up spending, I'd like to help. Apply to be coached for free on this podcast at iwt.com/apply 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 fallen for a scam? If so, I’d like to help. Apply to be coached for free on this podcast at iwt.com/apply 
• 254. My $0 to $100k Playbook (full beginners guide) 31.03.2026 56мин

  Most people never find out when they'll have $100,000. Not because it's impossible, but because they never actually run the numbers. In this bonus episode, Ramit walks through the full picture: the compound interest math that most people ignore, the six-step system he recommends for getting to $100K, and the calculator that shows you the exact date it's going to happen for you. He also covers the four mistakes he sees people make over and over, including one that affects people who are otherwise doing everything right. No couple on the couch. No Conscious Spending Plan breakdown. Just the map. Why a higher salary alone won't fix your relationship with money The compound interest curve and the moment in year 19 where everything changes The calculator that gives you your personal $100K date The CEO system: What it means to cut, earn, and optimize, and how to do it without obsessing over every dollar Why automation beats trying every single time The six steps to $100K and why you can't skip ahead The 1% December rule, one small change per year that compounds into hundreds of thousands Four traps that quietly derail people: get rich quick thinking, toxic frugality, "I missed my chance," and the optimization spiral Q&A: debt vs investing, handling irregular income, moving a Roth IRA out of Primerica, and how FIRE actually works ⏩ CHAPTERS (00:00:00) Introduction: your money map to $100K (00:01:24) The big delusion: "If I just earned more, I'd be rich" (00:06:04) What $100K actually means and why it matters (00:07:13) The compound interest math most people never look at (00:15:12) Finding your exact date: the $100K calculator live (00:19:57) The six steps and why sequence matters (00:20:22) Step 1: Kill high-interest debt (00:22:28) Step 2: The CEO system: cut, earn, and optimize (00:29:50) Step 3: Build your financial moat (00:33:13) Step 4: Where real wealth is actually created (00:34:25) Step 5: Build the right environment (00:38:34) Step 6: Play offense and delete your budgeting app (00:41:22) Four traps that quietly destroy your momentum (00:45:29) Q&A: debt vs investing, irregular income, Roth IRA transfers, and FIRE Get my new book, Money For Couples: https://iwt.com/moneyforcouples Get Money Coaching with Ramit: https://iwt.com/moneycoaching Download the Conscious Spending Plan: https://iwt.com/csp Listen to my book now on Audible: https://amzn.to/48zko28 Get my New York Times best-selling book: https://iwt.com/book Get my no-numbers journal: https://iwt.com/journal Other episodes: https://iwt.com/podcast Instagram: https://www.instagram.com/ramit/ Twitter: https://twitter.com/ramit YouTube: https://youtube.com/user/ramitsethi/featured/ If you or your partner get stressed spending $150 on dinner, or are covering up spending, I'd like to help. Apply to be coached for free on this podcast at iwt.com/apply
• 253. "I’m 53, exhausted, and still living paycheck to paycheck" 24.03.2026 2ч 2мин

  Ramit Sethi of I Will Teach You To Be Rich talks to Tania and Mike who are in their 50s, married 21 years, and earning over $225,000 a year. By most measures, they should be fine. But they’ve been trapped in the same debt cycle for two decades. Cashing out 401(k)s, borrowing from family, and digging themselves out only to fall right back in. Again and again. When Ramit opens their Conscious Spending Plan, the numbers are genuinely shocking. Fixed costs at 155%. Savings at 0%. Guilt-free spending at -73%. They are spending more than they make every single month and they have barely one month of savings to show for it. But the money isn’t even the most revealing part of this episode. Ramit works through the psychology behind the cycle, the “dreamer” pattern that keeps pulling them back in, and what it’s actually going to take for them to change together. In this episode we uncover: A $228K income with 155% fixed costs… How does that even happen? The parent-child dynamic Ramit identifies and why both of them are miserable because of it Mike’s $23,000 tractor purchase and the pattern behind it Why Tania has been a “money transcriptionist” instead of a money manager The “dreamer” trap: Believing the next thing will finally fix everything How Mike’s upbringing shaped his complete shutdown around money What real money conversations between couples actually look like The follow-up update from Tania and Mike Chapters: (00:00:00) Introduction (00:07:04) Looking at the numbers: $228K income, 155% fixed costs (00:11:41) "I've never talked about feelings, we've been married 21 years" (00:30:35) The tractor: how every big purchase actually happens (00:43:26) Cashing out retirement AGAIN! (00:47:14) The dreamer pattern: why the next thing never fixes anything (00:53:46) Michael's moment: "I don't know how to talk about money. It scares me." (01:07:56) Ramit walks through their house: where did all the money go?(01:16:07) The alter ego exercise: imagining a different life (01:31:27) Tanya's moment: "I'm the hero. I always say yes." (01:34:05) Ramit draws the caricature (02:01:48) Follow-ups This episode is brought to you by: Gusto | Try Gusto at http://gusto.com/ramit and get 3 months free when you run your first payroll 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 expires March 31, 2026. #FacetAd  Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist Shopify | Sign up for a $1 per month trial period at https://shopify.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 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 Has your partner recently been obsessed with investing? Maybe not telling you what they're doing with your shared money? If so, I'd like to talk. Apply to be coached for free on this podcast at iwt.com/apply 
• 252. "I’m 35, in debt, and spend everything I make" 17.03.2026 1ч 32мин

  Ramit Sethi of I Will Teach You To Be Rich talks to Lina, 35, and Mike, 28, a married couple living in South Florida with their 8-month-old son. Despite earning almost $200,000 annually, they've been entangled in debt since their wedding three years ago. They consistently make plans to conquer their financial woes but never follow through. Their debt has soared to over $750,000, and their fixed costs devour 98% of their take-home pay, leaving them with zero savings. Lina attributes their financial struggles to unexpected events, like her pregnancy, which led to her cutting back on work and an increased focus on comfort and convenience, regardless of the cost. Mike, an accountant, has largely deferred to Lina, resulting in a fractured approach to their shared finances. They both use "comfort" as a justification for their spending, avoiding "sacrifice," yet this mindset is driving them toward a financial cliff. Can Ramit help them confront their real numbers, bridge their communication gap, and finally unite as a financial team to build a rich life? In this episode we uncover: • Why Lina's comfort-first approach to spending is unsustainable • Mike’s "happy wife, happy life" approach to finances • The shocking reality of their $750,000 debt despite a high income • How Mike's "accountant" background has not helped their personal finances • The startling hidden costs of their lifestyle choices • Lina's upbringing with generational wealth and its impact on her money mindset • Mike's immigrant experience and its influence on his spending habits • The unspoken divide in their financial expectations and responsibilities • Ramit's direct challenge to their "comfort over sacrifice" mentality • A dramatic suggestion to overhaul their financial situation • Their raw and vulnerable discussion about making tough decisions • The moment Mike and Lina finally confront their financial reality Chapters: (00:00:00) Introduction (00:04:01) "We make plans and we never follow through" (00:09:00) Understanding their "comfort vs. sacrifice" mentality (00:18:40) Mike's "happy wife, happy life" approach (00:34:50) Unpacking their debt (00:40:11) "If we're a plane, we're about to crash" (00:46:00) Lina's privileged upbringing & generational wealth (01:00:21) Mike's immigrant story and mom's sacrifices (01:26:02) Confronting their high fixed costs and potential solutions (01:17:01) Mike and Lina's dramatic confrontation about spending habits (01:21:00) The power of a shared vision for their future (01:32:14) Follow-ups This episode is brought to you by: Leesa | Go to https://leesa.com for 20% off mattresses PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners LMNT | Get a free 8-count Sample Pack with any LMNT order at https://drinklmnt.com/RAMIT DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout Factor | Go to https://factormeals.com/ramit50OFF and use code RAMIT50OFF to get 50% off your first box, plus free breakfast for 1 year ZocDoc | Go to https://zocdoc.com/ramit to find and instantly book a top-rated doctor today #sponsored  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 If you or your partner get stressed spending $150 on dinner, or are covering up spending, I’d like to help. Apply to be coached for free on this podcast at iwt.com/apply
• 251. "We own a $1M house but can’t pay for groceries" 10.03.2026 1ч 33мин

  Ramit Sethi of I Will Teach You To Be Rich talks to John and Victoria in a follow-up episode. This couple, in their thirties with three children and a home in suburban New York, is facing severe financial challenges with 97% fixed costs and over $100K in non-mortgage debt. In their last session, Ramit highlighted the urgency of their situation, presenting them with two stark choices: sell their house and clear debt, or double down on income and aggressive cuts. They chose to keep their house, which required Victoria to return to work, both of them to significantly increase their earnings, and drastically cut spending. Ramit challenged them to implement these changes within two months. This episode reveals how John and Victoria fared in those crucial eight weeks. Did they truly embrace change, or did old habits resurface? In this episode we uncover: • Their initial feelings after the first money coaching session • The surprising reason for Victoria's job loss • How they managed to cut $500 from their grocery bill • Why John thinks dry cleaning is a necessity • Ramit's radical advice on debt repayment versus savings • The true meaning of "rich life" for John and Victoria • How their childhood money beliefs impact their present • The hidden challenge of Victoria's student loans • Their struggle with an external vs. internal locus of control • The danger of a financial plan that requires 100% perfection Chapters: (00:00:00) The desperation that led to an application to Ramit (00:03:00) How a hotel bill leads to a missed mortgage payment (00:05:25) The once-a-year money conversation (00:10:47) The devastating results of Victoria’s annual money spreadsheet (00:19:18) Justifying thousands in Amazon purchases with high debt (00:28:15) Understanding their $600K net worth and zero liquidity (00:35:10) The crushing reality of 97% fixed costs (01:10:46) Victoria’s inherited money trauma fuels her avoidance (01:19:40) The importance of taking decisive action (01:21:05) The couple’s future plans This episode is brought to you by: 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 expires March 31, 2026. #FacetAd MasterClass | For unlimited access to every class and an additional 15% off any annual membership, go to https://masterclass.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 Netsuite | Get the free guide “Demystifying AI” at https://netsuite.com/ramit 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 If you or your partner get stressed spending $150 on dinner, or are covering up spending, I’d like to help. Apply to be coached for free on this podcast at iwt.com/apply
• 250. "We spend 97% of what we make—and can’t stop" 03.03.2026 1ч 23мин

  Ramit Sethi of I Will Teach You To Be Rich talks to John and Victoria, a couple in their thirties with three children who own a home they adore in the suburbs of New York. Despite a beautiful house and growing family, their financial reality is grim. They are facing a structural financial problem, with 97% of their take-home pay consumed by fixed costs and less than a week's worth of savings. Ramit helps them confront the deep-seated issues that are keeping them in a constant state of financial precarity, from their avoidance of tough money conversations to inherited money scripts from childhood. Can John and Victoria break free from their cycle of justification and short-term thinking to secure their family's future, or will their dream home remain their biggest financial burden? In this episode we uncover: • How 97% fixed costs lead to a desperate financial situation • The role of a vacation in triggering their mortgage payment crisis • Their alarming "once a year" approach to discussing money • The mental gymnastics behind their Amazon purchases • A revealing peek at their "money wishlist" revealing crazy renovation plans • The shocking truth about their combined total net worth • The impact of a significant annual financial gift on their spending habits • Victoria's avoidance of medical bills and connection to her mother's money habits • Ramit's candid warning about their path to losing their home • The critical choice they face: the house or their financial stability Chapters: (00:00:00) Introduction (00:02:37) The Mortgage Crisis and Vacation Spending (00:07:45) Their "Once a Year" Money Talks (00:16:14) The Amazon Justification and Money Wishlist (00:25:10) A High Net Worth, Zero Liquidity (00:30:15) The Emotional Cost of Financial Struggle (00:41:50) The True Cost of Their Grocery Spending (00:48:10) Understanding Their Credit Card Debt (01:09:31) Ramit's Dire Warning: The Threat to Their Home (01:13:07) A Fork in the Road: House vs. Financial Stability 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 checkout Superhuman Mail | Turn your inbox into momentum. Sign up at https://superhuman.com/ramit3. Gusto | Try Gusto at http://gusto.com/ramit and get 3 months free when you run your first payroll Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 10% off plus free shipping ZocDoc | Go to https://zocdoc.com/ramit to find and instantly book a top-rated doctor today #sponsored  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 Do you want to retire in the next 5 years but wonder if you have enough? If so, I'd like to help. Apply to be coached for free on this podcast at iwt.com/apply
• 249. "We have $2M. Why can’t we enjoy life now?" 24.02.2026 1ч 45мин

  Ramit Sethi of I Will Teach You To Be Rich talks to Chris and Heather, a couple aged 41 and 39 respectively, who, despite earning over $450,000 annually and boasting a $2.18 million net worth, feel like they're living paycheck to paycheck. Heather, an accomplished healthcare professional, worries that despite their income, they aren't organizing their finances effectively, leading to a feeling of scarcity. Chris, who works for the State of California, focuses on long-term retirement planning but avoids making crucial decisions, leading to "analysis paralysis." Their differing views on spending - Heather’s desire for "rich life now" versus Chris's cautious, debt-averse approach, create underlying tension. Ramit challenges their underlying money psychology, uncovering how childhood experiences influence their current financial anxieties. In this episode we uncover: • Their contrasting interpretations of their "paycheck-to-paycheck" life • Heather's aversion to finance, despite an impressive debt payoff history • Why Chris is hesitant to talk about money • The car purchase that highlighted their financial differences • Why Heather feels conflicted about her luxury spending • Chris's childhood with parents who constantly claimed to be "poor" • Why Chris hates taxes as much as he hates debt • Vacation Chris vs. Everyday Chris's spending habits • The real cost of their financial indecision Chapters: (00:00:00) My income feels like "paycheck to paycheck" (00:04:10) Their differing applications reveal fundamental money beliefs (00:07:22) An argument over income reveals deeper trust issues (00:13:25) "We have enough money, but still feel like we live paycheck to paycheck" (00:19:45) Why people systematically discount money psychology (00:23:28) Their first major money disagreement: financing a car (00:44:48) Their struggle to define "enough" for retirement (00:54:10) Why their "too many unknowns" approach is holding them back (01:05:51) The surprising "Vacation Chris" versus everyday Chris (01:11:11) Heather: “I feel conflicted” about luxury spending (01:24:09) Ramit’s frustration with the couple (01:38:35) Progress updates This episode is brought to you by: Wildgrain | Get $30 off the first box — PLUS free Croissants in every box — at https://wildgrain.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 expires March 31, 2026. #FacetAd  Shopify | Sign up for a $1 per month trial period at https://shopify.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 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 fallen for a scam? If so, I’d like to help. Apply to be coached for free on this podcast at iwt.com/apply
• 248. "Her spending scares me. Should we get married?" 17.02.2026 1ч 42мин

  Ramit Sethi of I Will Teach You To Be Rich talks to Cre and April, a couple of five years, aged 46 and 48. Cre lives a debt-averse life and has been methodically building her wealth. April, on the other hand, earns more than twice Cre's income but struggles with significant debt and zero savings. They are at a crossroads, contemplating moving in together, but their conflicting approaches to money present a major hurdle. Cre fears that April’s spending habits will lead to constant arguments and financial strain, especially with the prospect of marriage and inheriting April's substantial debt. April, however, doesn't see her spending as a problem, insisting she lives a good life and can always work more to cover expenses. Ramit helps them uncover the generational patterns influencing their financial behaviors and challenges them to reconsider their current dynamic. In this episode we uncover: • How Cre and April act as "granny and child" during money conversations • Why April feels micromanaged and hides purchases • The emotional pressure April uses to get what she wants • The significant disparity in their net worth despite April's higher income • Why April initially doesn't see a problem with her spending habits • The uncomfortable truth about April treating money like she's still poor • How April's family history of money management influences her • The shocking revelation about generational money patterns • Why April's daughter is following a similar financial dynamic • Ramit's direct challenge to April's “innocent doe” persona • Cre's struggle to set clear financial boundaries • How April reacts to Cre's direct financial expectations • Ramit's step-by-step plan for April to tackle debt and build savings Chapters: (00:00:00) Introduction (00:04:14) April's persistent questions about Cree's spending (00:07:49) The "granny and child" roles in their money talks (00:12:47) Why April fears marrying into debt (00:13:46) The core of their financial disagreement (00:23:05) A stark comparison of their financial numbers (00:26:08) April's disconnect from her serious financial situation (00:36:00) Cree’s secret side income and resourcefulness (00:40:00) April’s luxury basement renovation with zero savings (00:44:40) Unpacking April's extensive debt and spending habits (00:48:28) Generational money patterns in April's family (01:05:32) Cree's struggle to set clear financial boundaries (01:10:09) The pitfalls of "walking on eggshells" in a relationship This episode is brought to you by: LMNT | Get a free 8-count Sample Pack with any LMNT order at https://drinklmnt.com/RAMIT Factor | Go to https://factormeals.com/ramit50OFF and use code RAMIT50OFF to get 50% off your first box, plus free breakfast for 1 year ZocDoc | Go to https://zocdoc.com/ramit to find and instantly book a top-rated doctor today #sponsored  Leesa | Go to https://leesa.com for 30% off mattresses PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout 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 Are you looking to retire in the next 5 years but wondering if you have enough saved? Apply to be coached for free on this podcast at iwt.com/apply
• 247. "We’re in our 40s — with nothing saved" 10.02.2026 1ч 37мин

  Ramit Sethi of I Will Teach You To Be Rich talks to Stephanie and Chris, an early-40s couple with three young children, two of whom have special needs. Chris is a professor, and Stephanie, an RN, has recently cut back her hours due to burnout. Despite Chris’s confidence that “it’ll all work out,” their current financial situation is dire: 92% fixed costs, $544K in debt, and virtually no savings. Stephanie handles the books but feels dismissed when she raises concerns, while Chris struggles to listen and often interrupts. Ramit helps them uncover hidden money scripts, gender dynamics, and a profound lack of communication that has kept them stuck in an "avalanche of inaction" for years. Can they finally align on a concrete plan and connect meaningfully about money? In this episode we uncover: • The stark reality of 92% fixed costs and zero investments • How Chris’s “it’ll all work out” dismisses Stephanie’s worries • How their money conversations always end in gridlock • Why a wobbly kitchen sink reveals their deeper financial issues • The surprising cost of their kids’ swim lessons • How their combined salary still leaves them broke • The emotional toll of their financial situation on Stephanie • Chris's self-awareness about his "ignorant reassurer" role • How their money "inaction" has cost them hundreds of thousands • Why Stephanie feels unheard and Chris struggles to listen • The plan to drastically cut fixed costs and tackle debt • Why it’s time to stop making excuses and start taking action Chapters: (00:00:00) Introduction (00:04:47) Their repetitive money conversation (00:08:24) Chris's "natural reaction is to shut down" (00:10:40) "He's a buzzkill" (00:16:35) Breaking down their assets, debt, and net worth (00:22:04) Stephanie's emotional confession (00:24:00) Chris's desire to comfort without listening (00:48:47) The cost of their inaction on investments (00:56:56) How Chris can better support Stephanie (01:11:00) What true financial partnership looks like (01:12:00) Transforming their conscious spending plan (01:21:00) A path to a 60% fixed cost future This episode is brought to you by: 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 Netsuite | Get the free guide “Demystifying AI” at https://netsuite.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 expires March 31, 2026. #FacetAd   MasterClass | For unlimited access to every class and up to 50% off an annual membership, go to https://masterclass.com/ramit 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 • YouTubeIf 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: https://iwt.com/apply
• 246. "We’re drowning in debt, but bought another house" 03.02.2026 1ч 49мин

  Ramit Sethi of I Will Teach You To Be Rich talks to Melissa and Tony, a couple who immigrated from Mexico with big dreams and an even bigger work ethic. In less than a decade, they've built a net worth of nearly $900,000. But beneath the surface of their impressive paper wealth, they’re carrying almost $1 million in debt and are completely misaligned on their financial goals. With their second child due any day, Ramit helps them uncover the root of their money woes, from differing money styles to the profound impact of their upbringing. Can they finally get on the same page, create a financial system that works, and build a sustainable rich life? In this episode we uncover: • How Melissa and Tony built a nearly $900K net worth in 8 years • The "rollercoaster" of their financial decision-making • Why their credit card debt is actually due to real estate • Tony’s “paycheck to paycheck” feeling with a $189k household income • Melissa’s childhood money lessons from her dad, Mr. No • How they navigate financial planning with a baby due this month • Why they avoid combining their high incomes • The cultural influences shaping their financial narratives • What happens when Tony is “comfortable” and avoids change • The deeper reasons behind their ongoing money disagreements • Ramit’s advice on how to communicate about money effectively • A surprising agreement that might change their future Chapters: (00:00:00) Introduction (00:02:28) Their chaotic financial situation (00:07:07) Melissa and Tony’s real estate struggles (00:13:07) Melissa's real estate ambitions vs. Tony’s pessimism (00:20:58) The cycles of making and losing money (00:26:59) The ineffective communication about debt (00:33:57) The danger of making emotional money decisions (00:37:35) Diving deep into their income and debt (00:46:01) Their unspoken rules about money and spending (00:51:56) The painful truth behind being "house poor" (01:00:43) Impact of childhood money lessons on their current finances (01:10:29) The parent-child dynamic in their financial relationship   This episode is brought to you by: Superhuman | Turn your inbox into momentum. Sign up at https://superhuman.com/ramit. ZocDoc | Go to https://zocdoc.com/ramit to find and instantly book a top-rated doctor today #sponsored  DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 10% off plus free shipping Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist 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 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: https://iwt.com/apply
• 245. "We make 6 figures. Why am I hiding fast food purchases?" 27.01.2026 2ч 5мин

  Ramit Sethi of I Will Teach You To Be Rich talks to Grace and James, a couple from Ireland, aged 38 and 37, who have been navigating immense challenges. James was diagnosed with cancer and underwent a year of treatment, while Grace managed a difficult pregnancy and maternity leave with their second child, an infant. Amidst the fear and grief, their household income took a significant hit, causing financial strain. Grace felt the burden of managing their finances, leading to guilt about James continuing to work during his illness. Despite these hardships, they’ve built a strong financial foundation with high savings and have managed to stay afloat. Ramit helps them explore their individual money psychologies, the impact of their upbringings, and how their shared experiences have shaped their financial outlook, revealing a story of resilience, unwavering teamwork, and an inspiring pursuit of a rich life. In this episode we uncover: • How Grace feels immense pressure to manage finances • The emotional toll of James's cancer diagnosis • Grace's hidden "mindless" spending under stress • The Irish perspective on "mustn't grumble" about money • James's childhood money messages and aversion to debt • The surprising freedom found in small financial wins • Grace's proactive approach to long-term financial planning • The power of internal versus external locus of control • How a shared money philosophy can emerge from conflict • The importance of planning for the worst when at your best • Their inspiring journey of overcoming adversity as a team Chapters: (00:00:00) Introduction (00:05:13) Grace's guilt over James working during cancer (00:12:32) Grace's "mindless purchases" and coping mechanisms (00:15:55) The surprising reality of their financial stability (00:30:03) Contrasting money philosophies: big spend vs. small treats (00:33:45) Reviewing their Conscious Spending Plan and uncovering hidden wealth (00:46:12) The impact of fluctuating income on their financial outlook (00:55:00) Planning for the worst when they are at their best (01:00:16) James's upbringing and the origins of his money anxiety (01:11:10) Their "ice cream cone" fight and early money revelations This episode is brought to you by: Notion | Try Notion, now with Notion Agent, at https://notion.com/ramit LMNT | Get a free 8-count Sample Pack with any LMNT order at https://drinklmnt.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 Facet | As of the date of this recording, Facet is waiving their $250 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 expires March 31, 2026. #FacetAd  Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit 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 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: https://iwt.com/apply 
• 244. "I'm in $244k debt but give $500/mo to my church" 20.01.2026 1ч 29мин

  Ramit Sethi of I Will Teach You To Be Rich continues his discussion with Mike and Noel in part two of their financial deep dive. The couple, married for just 6 months, faces a daunting $244K in debt with zero savings, fueled by previous "guilt-free" spending and a shocking $170K windfall that disappeared. Despite their dire situation, major cuts to their fixed costs haven't happened yet. Ramit encourages Noel to reconsider her church tithing and find proactive ways to increase income, like driving for Uber. Can they shift their mindset from feeling deprived to purposeful sacrifice, anchor their spending to zero, and collaboratively create a sustainable financial future? In this episode we uncover: • Noel’s decision regarding her church tithing • The power of incremental income, like Noel’s potential earnings from Uber • Ramit’s "anchor to zero" framework for mindful spending • How comparing current spending to past mistakes sabotages financial progress • The importance of distinguishing between sacrifice and suffering • Why making big changes with money is meant to be hard • The potential for selling household items to boost savings and signal a "rebuilding phase" • How a short-term financial plan can set them up for long-term success • The opportunity to define their own timeline for debt repayment and savings Chapters: (00:00:00) Previously on money for couples (00:02:09) How Noel's decided to approach tithing (00:03:33) Why cutting subscriptions won't solve their problems (00:03:49) Noel's plan to earn more money with Uber (00:04:21) Ramit introduces the "anchor to zero" spending framework (00:05:46) Mike and Noel reflect on the conversation (00:07:11) Sacrifice vs. suffering: Reframing financial changes (00:08:43) Why comparing to the past holds them back (00:09:50) Noel's internal struggle with tithing (00:10:34) Ramit presents a vision for their future (00:11:15) The idea of selling household items to fund savings (00:12:18) Ramit's proposal for their next steps and a follow-up This episode is brought to you by: ZocDoc | Go to https://zocdoc.com/ramit to find and instantly book a top-rated doctor today #sponsored  DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout Leesa | Go to https://leesa.com for 25% off mattresses PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners Factor | Go to https://factormeals.com/ramit50OFF and use code RAMIT50OFF to get 50% off your first box, plus free breakfast for 1 year Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 10% off plus free shipping 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 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: https://iwt.com/apply