I Will Teach You To Be Rich

Kevin and Michelle, 32 and 30, joined me live in New York City earlier this year for our very first in-person interview. They have one young child and another on the way, but they can’t stop spending. With low savings, their debt mounts while they both lease luxury vehicles.

This episode is brought to you by:

Sidebar | Join thousands of leaders from companies like Microsoft, Amazon, and Meta who have taken the first step towards accelerating their career https://sidebar.com/ramit

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT.

Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit.

Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit.

Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit.

Links mentioned in this episode

• "My husband doesn’t trust me to run our business" #1

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• 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

• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Allison is 36 and Dan, 37. They’re married with two kids living in a HCOL mountain town—a market variable that’s influenced them to sell her condo and supercharge their retirement investments with the profits. The condo is listed for sale, but Dan doesn’t trust her enough to combine their finances.

This episode is brought to you by:

Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit.

Mint Mobile | To get your new wireless plan for just $15 a month, go to https://mintmobile.com/ramit.

Tim Ferriss | Check out The Tim Ferriss Show on all podcast platforms and sign up for his FREE 5-Bullet Friday Newsletter at https://tim.blog.

Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit.

Babbel | For our listeners only, get 60% off your Babbel subscription at https://Babbel.com/ramit.

Links mentioned in this episode

• Ramit Sethi on The Tim Ferriss Show

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• 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

• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Fernando and Anushka, 30 and 31, live in San Diego and earn high incomes—matching $135,000 salaries, in fact. They have healthy investment and savings rates, send money to his family back home, and rent a nice apartment. They’re living their Rich Lives, or are they?

This episode is brought to you by:

Hatch | A million things don’t want you to sleep, Hatch does. Get $20 off a Hatch Restore and free shipping at https://hatch.co/ramit.

Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit.

ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today.

Superhuman | Get a free month of lightning fast email at https://try.sprh.mn/ramitsethi.

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT.

Links mentioned in this episode

• “My parents keep expecting us to pay for them” #7

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• 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

• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Peter and Megan, 36 and 37, are married with no kids but severe financial stress threatens their future together. Peter has grown to resent Megan’s unwillingness to seek a higher income. He’s changed jobs, but won’t consider selling any of their seven vehicles to alleviate their stress.

This episode is brought to you by:

Pique Tea | Get up to 15% off and 12 tea samples at https://piquelife.com/ramit.

Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit.

Viator | Download the Viator app and use code VIATOR10 for 10% off your first travel experience with Viator.

Thinkific | The same platform I use to build online courses online https://thinkific.com.

DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off.

Links mentioned in this episode

• “I pretend things are fine, but we’re 2 months from going bankrupt” #78

• “We 4x’d our salary as COVID nurses. The experience haunts us. So does the money” #75

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• 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

• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

In part two with Elizabeth and Jonathan, 36 and 38, we continue unpacking their complicated personal backgrounds with money as they relate to current spending, investing, and saving habits. They’re stuck in a loop of debt and financial stress, but are they ready to make positive changes?

This episode is brought to you by:

Sidebar | Join thousands of leaders from companies like Microsoft, Amazon, and Meta who have taken the first step towards accelerating their career https://sidebar.com

Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit.

Netsuite | Get visibility to everything in your business one one place. Sign up and defer payments, with no interest, for six months at https://iwt.com/netsuite.

Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit.

Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit.

Links mentioned in this episode

• “We have no savings but bought our kid a $500 toy for Christmas” (Part 1)

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• 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

• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Elizabeth and Jonathan are in their mid-thirties, have been married for 13 years, and share a young daughter. They bought a starter home after getting married, but expensive renovations are still underway. They struggle with debt and spend a lot on their child. They’re wondering—is this it?

This episode is brought to you by:

Viator | Download the Viator app and use code VIATOR10 for 10% off your first travel experience with Viator.

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT.

Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit.

Superhuman | Get a free month of lightning fast email at https://try.sprh.mn/ramitsethi.

Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit.

Links mentioned in this episode

• “We’re broke, but I spend $350/mo on clothes” (Part 2)

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• 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

• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Callie and Travis, 36 and 39, have two kids and live in southern Texas near the ocean. They’ve made a conscious decision to run their own small businesses without the pressure of climbing a corporate ladder. But how relaxed is too relaxed? Callie is ready to get serious; is Travis?

This episode is brought to you by:

Pique Tea | Get up to 15% off and 12 tea samples at https://piquelife.com/ramit.

Eight Sleep | For a better, smarter sleep, go to https://eightsleep.com/ramit for $200 and free shipping. 

Thinkific | The same platform I use to build online courses online https://thinkific.com.

DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off.

Babbel | Right now, when you purchase a 3-month Babbel subscription, you’ll get an additional 3 months for FREE. Just go to https://Babbel.com and use promo code RAMIT.

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• 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

• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Ashley and Christopher, 30 and 28, recently got engaged and look forward to planning a wedding, having kids, etc. But Christoper has lived with credit card debt his whole life. As an accountant, he feels like he’s got it under control. Ashley worries about what his spending means for their future.

This episode is brought to you by:

Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit.

Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit.

Mint Mobile | To get your new wireless plan for just $15 a month, go to https://mintmobile.com/ramit.

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT.

Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit.

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• 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

• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Erik is 44 and Andrea is 43. They’re trying to determine what to do with a bump in income. Andrea wants to save for college tuition, because that’s what her parents did. Erik’s did not, so he’d rather use it elsewhere. Can they overcome their inherited patterns and come together on a shared vision?

This episode is brought to you by:

Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit.

Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit.

Eight Sleep | For a better, smarter sleep, go to https://eightsleep.com/ramit for $200 and free shipping. 

Netsuite | Get visibility to everything in your business in one place. Sign up and defer payments, with no interest, for six months at https://iwt.com/netsuite.

ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today.

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• 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

• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Kristin is 32 and David is 38. They share five kids in a blended family and David is getting close to military retirement. The problem is their spending—fueled by emotions alone, they make purchase after purchase, soaring over set budgets and putting the future of their family at risk.

This episode is brought to you by:

Thinkific | The same platform I use to build online courses online https://thinkific.com.

Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit.

Pique Tea | Get up to 15% off and 12 tea samples at https://piquelife.com/ramit.

DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off.

Viator | Download the Viator app and use code VIATOR10 for 10% off your first travel experience with Viator.

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• 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

• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Brad and Angie, 55 and 56, are each 10 years into a second marriage. With six adult children out of the house, they’re planning to buy an RV and tour the country in as little as two years. Carrying credit card debt, student loans, a HELOC, mortgage, and only $3,000 saved—can they?

This episode is brought to you by:

ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today.

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT.

Eight Sleep | For a better, smarter sleep, go to https://eightsleep.com/ramit for $200 and free shipping. 

Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit.

Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit.

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• 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

• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Amy and Tori are in their late 20s. They recently got married and honeymooned in Greece, racking up tens of thousands of dollars in credit card debt. A brand new house, changing jobs, and influential backgrounds all come into play as they work on a plan to pay it down.

This episode is brought to you by:

AG1 | Take ownership of your health with AG1. Get one year’s supply of Vitamin D3 K2 and five free AG1 travel packs with your first purchase at https://drinkAG1.com/ramit.

Babbel | Right now, when you purchase a 3-month Babbel subscription, you’ll get an additional 3 months for FREE. Just go to https://Babbel.com and use promo code RAMIT.

Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit.

Mint mobile | To get your new wireless plan for just $15 a month, go to https://mintmobile.com/ramit.

Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit.

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show
• 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
• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Brian is 56 and Rachel is 51 and they’re both lawyers. She’s lost thousands on a financial advisor and he can’t stop paying his daughter’s rent. Brian wants to retire soon, but the thought of losing his income has Rachel in a panic about whether they would be able to maintain their lifestyle.

This episode is brought to you by:

Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit.

Thinkific | The same platform I use to build online courses online https://thinkific.com.

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT.

Netsuite | Get visibility to everything in your business one one place. Sign up and defer payments, with no interest, for six months at https://iwt.com/netsuite.

Eight Sleep | For a better, smarter sleep, go to https://eightsleep.com/ramit for $200 and free shipping.

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show
• 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
• Submit a question for the newsletter iwt.com/askramit

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.

Produced by Crate Media.

April and Kevin are in their mid thirties with two kids. They’ve been married for twelve years and Kevin recently came across a good book on finance—one which empowered him to learn more about their finances. What he found shocked him, and has driven deep cracks in their marriage.

This episode is brought to you by:

Calm | Go to https://calm.com/ramit for 40% off unlimited access to Calm’s entire library.

Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit.

Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit.

Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit.

Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit.

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show
• 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
• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Sandra, 46, and Brad, 48, return for Part 2 as we get our hands dirty with their incredible decision to invest $1,000,000—their entire net worth—into one oil operation. It’s paying out $20k a month right now, and Brad’s done his research to feel confident. But Sandra can’t handle the risk.

This episode is brought to you by:

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT.

Babbel | Right now, when you purchase a 3-month Babbel subscription, you’ll get an additional 3 months for FREE. Just go to https://Babbel.com and use promo code RAMIT.

ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today.

Eight Sleep | For a better, smarter sleep, go to https://eightsleep.com/ramit for $200 and free shipping. 

Superhuman | Get a free month of lightning fast email at https://try.sprh.mn/ramitsethi.

Links mentioned in this episode

• “I’m afraid he’ll leave if I don’t stop stressing about the budget” (Part 1)

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show
• 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
• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Sandra is 46. Brad is 48. They have four children and are living a high lifestyle as a result of two generational income explosions tied to Brad’s work in the home lending industry. That variance, though, seeded issues in their money psychology—leading to risky investments and trust issues.

This episode is brought to you by:

Superhuman | Get a free month of lightning fast email at https://try.sprh.mn/ramitsethi.

Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit.

AG1 | Take ownership of your health with AG1. Get one year’s supply of Vitamin D3 K2 and five free AG1 travel packs with your first purchase at https://drinkAG1.com/ramit.

Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit.

Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit.

Links mentioned in this episode

“He put our $1M into one risky investment. Will we lose it all?” (Part 2)

Connect with Ramit

Get the Podcast Newsletter and exclusive Q&A about the show

Get Money Coaching with Ramit 

Download the Conscious Spending Plan

Get my New York Times best-selling book

Get my no-numbers journal

Other episodes

Instagram

Twitter

YouTube

Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Mel and Babu are both 33 year-old doctors. Babu’s nearly done with his training, putting a huge decision in front of them about where to live and how much he’ll earn. The income numbers are staggering, but how they both feel about money isn’t affected by the number in their bank account.

This episode is brought to you by:

Eight Sleep | For a better, smarter sleep, go to https://eightsleep.com/ramit for $200 and free shipping. 

Mint mobile | To get your new wireless plan for just $15 a month, go to https://mintmobile.com/ramit.

Calm | Go to https://calm.com/ramit for 40% off unlimited access to Calm’s entire library.

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT.

Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit.

Links mentioned in this episode

• “Our financial advisor almost cost us $800k. How do we fire them?” #127

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show
• Get Money Coaching with Ramit 
• Download the Conscious Spending Plan
• Get my New York Times best-selling book
• Get my no-numbers journal
• Other episodes
• Instagram
• Twitter
• YouTube
• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

David, 33, and Halima, 37, return to follow-up on last week’s episode, where we learned about their debt, painful backgrounds, unrealistic expectations, and patterns of negative behavior with money. Today, Ramit brings them back down to earth, dissects their numbers, and sets the stakes.

This episode is brought to you by:

AG1 | Take ownership of your health with AG1. Get one year’s supply of Vitamin D3 K2 and five free AG1 travel packs with your first purchase at https://drinkAG1.com/ramit.

Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit.

Netsuite | Get visibility to everything in your business one one place. Sign up and defer payments, with no interest, for six months at https://iwt.com/netsuite.

Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit.

DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off.

Links mentioned in this episode

• “We have $500k in debt. Can I retire early?” (Part 1)

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show
• Get Money Coaching with Ramit 
• Download the Conscious Spending Plan
• Get my New York Times best-selling book
• Get my no-numbers journal
• Other episodes
• Instagram
• Twitter
• YouTube
• Submit a question for the newsletter iwt.com/askramit

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.

Produced by Crate Media.

David's 33 and Halima's 37. They’re been married for one year, a second union for both. The deep emotional (and financial) scars from those past relationships tint how they see the world today, limiting their ability to cooperate and leading to ill conceived get-rich-quick schemes and mounting debt.

This episode is brought to you by:

Superhuman | Get a free month of lighting fast email at https://try.sprh.mn/ramitsethi. 

Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit. 

Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to https://www.longangle.com/ to learn more. 

Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit. 

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT.

Links mentioned in this episode

• “MLMs, crypto, real estate—I can’t stop falling for get-rich-quick schemes” (Part 2)
• “We 4x’d our salary as COVID nurses. The experience haunts us. So does the money”
• Why I Don’t Own A House as a Multi-Millionaire…

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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.

Produced by Crate Media.

Kait is 36 and Em is 35. They’re married and pursuing IVF as a means to expand their family. But a misalignment on money stands in the way of a truly shared vision for their future. Em shuts down and delegates responsibility. Kait frantically checks accounts and worries about daily spending.

This episode is brought to you by:

Calm | Go to https://calm.com/ramit for 40% off unlimited access to Calm’s entire library.

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DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off.

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Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show
• Get Money Coaching with Ramit 
• Download the Conscious Spending Plan
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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.

Produced by Crate Media.

Part 2 with Becki and Dustin drops us right back into a contentious conversation about Dustin’s 6-wheeled truck, but his and Becki’s misalignment runs a lot deeper than that. Once their numbers are revealed, painful truths come to the light—and life altering changes are put on the table.

This episode is brought to you by:

Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit.

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LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT.

Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit.

Netsuite | Get visibility to everything in your business one one place. Sign up and defer payments, with no interest, for six months at https://iwt.com/netsuite.

Links mentioned in this episode

• "She has $7k in cc debt—just 3 months after I paid it off for her" (Part 1)

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show
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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.

Produced by Crate Media.

Becki is 42, Dustin is 36. Becki moved to North Caroline from California two years ago, into Dustin’s house but is feeling disconnected from her family, like the space is still his, not shared. Her troubling credit card history keeps them from getting married and building a future together.

This episode is brought to you by:

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Links mentioned in this episode

• “I make $24K a year but my truck costs $1,600+ a month” (Part 2)

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show
• Get Money Coaching with Ramit 
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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.

Produced by Crate Media.

Cassandra, 40, and Aldo, 41, discovered Ramit on Netflix—which quickly led to Cassandra discovering the gruesome details of their debt. His goal was to shield her from stress. What he’s done instead is hide incalculable credit card balances, lose thousands on meme stocks, and so much more.

This episode is brought to you by:

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Methodology | Visit https://gomethodology.com/ramit and use code RAMIT for 10% off your first order of Methodology.

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT.

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show
• Get Money Coaching with Ramit 
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• Submit a question for the newsletter iwt.com/askramit

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.

Produced by Crate Media.

Matt is 40 and Ruane is 38. They have two kids and live in Toronto. They’ve done incredibly well for themselves, with an eye-popping net worth of $5,500,000—but lingering anxiety about money and the overwhelming responsibilities of parenthood have driven them apart.

This episode is brought to you by:

Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit.

Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit.

Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit.

DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off.

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show
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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.

Produced by Crate Media.

Alisa is 38 and Jesse is 42; they live in Portland with no kids and have been married for 10 years. Alisa has a growing sense of urgency related to their future–their lack of savings, modest investments, and credit card debt—fed by pressure from her family. But Jesse is hands-off with money.

This episode is brought to you by:

Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit.

Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to https://www.longangle.com/ to learn more.

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT.

BetterHelp | Visit https://betterhelp.com/ramit today to get 10% off your first month.

Superhuman | Get a free month of lighting fast email at https://try.sprh.mn/ramitsethi.

Links mentioned in this episode

• Join Earnable

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show
• Get Money Coaching with Ramit 
• Download the Conscious Spending Plan
• Get my New York Times best-selling book
• Get my no-numbers journal
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• Submit a question for the newsletter iwt.com/askramit

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.

Produced by Crate Media.

Following up with Trin and Lucas, both 35, we chip away at an unmanageable fixed-costs percentage and broach Lucas’s unwillingness to seek salaried employment while navigating severe trust issues and a checkered past with respect to financial risk taking.

This episode is brought to you by:

Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit.

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DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off.

Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit.

Links mentioned in this episode

• Get Money Coaching with Ramit 

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show
• Download the Conscious Spending Plan
• Get my New York Times best-selling book
• Get my no-numbers journal
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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.

Produced by Crate Media.

Trin and Lucas are 35 with two kids. They’re bleeding money but they don’t know why, or how to fix it. Lucas is an extreme entrepreneur, leading to trust issues related to his shocking risk taking and lack of transparency. Matters are complicated further by a fixed-costs percentage of 150%+.  

This episode is brought to you by:

Methodology | Visit https://gomethodology.com/ramit and use code RAMIT for 10% off your first order of Methodology.

Babbel | Right now, when you purchase a 3-month Babbel subscription, you’ll get an additional 3 months for FREE. Just go to https://Babbel.com and use promo code RAMIT.

Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit.

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT.

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show
• Get Money Coaching with Ramit 
• Download the Conscious Spending Plan
• Get my New York Times best-selling book
• Get my no-numbers journal
• Other episodes
• Instagram
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• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Jeff is 50, he’s a specialized surgeon. Susan is 48, she stays at home with their two kids. Their discretionary spending has grown over the years, ballooning at an uncontrollable rate. But their biggest issue is that they’re being taken advantage of by a percentage-based financial advisor. 

This episode is brought to you by:

Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit.

Netsuite | Get visibility to everything in your business one one place. Sign up and defer payments, with no interest, for six months at https://iwt.com/netsuite.

Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit.

DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off.

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show
• Get Money Coaching with Ramit 
• Download the Conscious Spending Plan
• Get my New York Times best-selling book
• Get my no-numbers journal
• Other episodes
• Instagram
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• Submit a question for the newsletter iwt.com/askramit

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.

Produced by Crate Media.

It’s time to get tactical in this energetic follow-up episode with Cristina and Ron. Building on their story, we unpack their three most glaring money mistakes—a percentage-based financial advisor, whole and term life insurance, and a $10,000 timeshare vacation plan.

This episode is brought to you by:

Inside Tracker | Get 20% off by going to https://insidetracker.com/ramit.

Mint mobile | To get your new wireless plan for just $15 a month, go to https://mintmobile.com/ramit.

Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to https://www.longangle.com/ to learn more.

BetterHelp | Visit https://betterhelp.com/ramit today to get 10% off your first month.

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show
• Get Money Coaching with Ramit 
• Download the Conscious Spending Plan
• Get my New York Times best-selling book
• Get my no-numbers journal
• Other episodes
• Instagram
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• Submit a question for the newsletter iwt.com/askramit

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.

Produced by Crate Media.

Meet Cristina and Ron. Cristina's 30, Ron is 45, and they've been married for four years. Cristina wonders why she's the one managing money in their relationship, especially when Ron is older and he should be thinking about his retirement. We discover shocking surprises in their spending.

This episode is brought to you by:

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT.

Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit.

Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit.

Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit.

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• Get Money Coaching with Ramit 

• Download the Conscious Spending Plan

• Get my New York Times best-selling book

• Get my no-numbers journal

• Other episodes

• Instagram

• Twitter

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• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Bebe and Paul are 37 and 40. They have two young kids and in the last few years, they have moved about ten times for various family reasons. They’re stuck in false narratives that are sinking their finances—unable to recognize the long term negative effects of their actions.

This episode is brought to you by:

DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramitfor 20% off.

Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit.

Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit.

Babbel | Right now, when you purchase a 3-month Babbel subscription, you’ll get an additional 3 months for FREE. Just go to https://Babbel.com and use promo code RAMIT.

Links mentioned in this episode

•  Download the Conscious Spending Plan

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• Get Money Coaching with Ramit 

• Get my New York Times best-selling book

• Get my no-numbers journal

• Other episodes

• Instagram

• Twitter

• YouTube

• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

This is a special solo episode where I answer questions from members of my Money Coaching program. In today’s episode: My favorite services that I use when I travel, how to handle FOMO when you're investing, and also how to handle traveling with other people.

This episode is brought to you by:

Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit.

Netsuite | Get visibility to everything in your business one one place. Sign up and defer payments, with no interest, for six months at https://iwt.com/netsuite.

Methodology | Visit https://gomethodology.com/ramit and use code RAMIT for 10% off your first order of Methodology.

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT.

Links mentioned in this episode

• Get Money Coaching with Ramit 

• Delegate and Done program 

• Join Earnable

• Should I Buy a House Now?

• Dream Job career research guide

• Other episodes

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• Download the Conscious Spending Plan

• Get my New York Times best-selling book

• Get my no-numbers journal

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• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Doni and Cacey are 30 and 40 years old with three very young kids. Doni’s struggled with credit card debt in the past, putting pressure on Cacey to control their finances—in addition to being the family’s sole earner. Don’t miss the shocking twist to their money story at the end of the episode.

This episode is brought to you by:

Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit.

Mint mobile | To get your new wireless plan for just $15 a month, go to https://mintmobile.com/ramit.

DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramitfor 20% off.

Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit.

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• Get Money Coaching with Ramit 

• Download the Conscious Spending Plan

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• Instagram

• Twitter

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• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Alana and Sam, 37 and 36, have two kids and $157,000 in student loans—loans which his mother assured would be paid. They haven’t been. Instead, the debt has tripled since he left school. Their home life has suffered as a result, as the family currently lives with Sam’s mom to save money.

This episode is brought to you by:

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT.

Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://www.meetfabric.com/ramit.

DoorDash | Go to https://www.doordash.com and use promo code RAMIT to get 50% off (up to $10) when you spend $15 or more at convenience, grocery or retail stores on DoorDash.

BetterHelp | Visit https://betterhelp.com/ramit today to get 10% off your first month.

Links mentioned in this episode

• Download the Conscious Spending Plan

• Get my New York Times best-selling book

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• Get Money Coaching with Ramit 

• Get my no-numbers journal

• Other episodes

• Instagram

• Twitter

• YouTube

• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Ana is 31 and Gabriel is 29. They have three young kids and will be celebrating their tenth wedding anniversary soon. This episode deals with addiction and recovery work, therapy, deep family influences, and imbalanced money dynamics. His money mindset is stuck in the past—but she needs his help.

This episode is brought to you by:

DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramitfor 20% off.

Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to https://www.longangle.com to learn more.

Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit.

Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://www.masterclass.com/ramit.

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

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• Download the Conscious Spending Plan

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• Get my no-numbers journal

• Other episodes

• Instagram

• Twitter

• YouTube

• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Candace and Brad are 31 and 33. They’ve been together for five years—buying a home together after just one year of dating. Candace is ready for a wedding, kids, and family life; she’s getting impatient. Make sure you stick around for the absolutely shocking ending to their story.

This episode is brought to you by:

Babbel | Right now, when you purchase a 3-month Babbel subscription, you’ll get an additional 3 months for FREE. Just go to https://Babbel.com and use promo code RAMIT.

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT.

BetterHelp | Visit https://betterhelp.com/ramit today to get 10% off your first month.

Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit.

Links mentioned in this episode

• Get Money Coaching with Ramit 

• Get my New York Times best-selling book

• Get my no-numbers journal

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• Download the Conscious Spending Plan

• Other episodes

• Instagram

• Twitter

• YouTube

• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

In part two of my conversation with Kara and Drake, we continue to peel back the layers of gender roles and lost identity which came to the surface last week. A reversal in earnings power, on top of inconsistent incomes, complicates things further as we untangle this complex web of emotion and expectation.

This episode is brought to you by:

Go to https://www.doordash.com and use promo code RAMIT to get 50% off (up to $10) when you spend $15 or more at convenience, grocery or retail stores on DoorDash.

Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://www.meetfabric.com/ramit.

Mint Mobile | To get your new wireless plan for just $15 a month, go to https://www.mintmobile.com/ramit.

Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://www.drinktrade.com/ramit.

Links mentioned in this episode

• Extended written follow up

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Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

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• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Kara and Drake are 38 and 37 with two infant children. Kara used to earn as much as $20k in a month, but has pulled back on work since becoming a mother—leading to painful identity issues. Drake has picked up the slack, but gender roles loom large in their at-home dynamic.

This episode is brought to you by:

Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit.

BetterHelp | Visit https://betterhelp.com/ramit today to get 10% off your first month.

Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit.

DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off.

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• Get Money Coaching with Ramit 

• Download the Conscious Spending Plan

• Get my New York Times best-selling book

• Get my no-numbers journal

• Other episodes

• Instagram

• Twitter

• YouTube

• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Carrie and Taylor are both 33, unmarried with no kids, earning good incomes in the Nashville area. Their CSP checks out—Carrie does a great job managing their money—but she’s no longer willing to do it alone. Taylor’s upbringing taught him to ignore it. Can he be convinced to change his ways?

This episode is brought to you by:

Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit.

Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit.

Babbel | Right now, when you purchase a 3-month Babbel subscription, you’ll get an additional 3 months for FREE. Just go to https://Babbel.com and use promo code RAMIT.

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT.

Links mentioned in this episode

• Download the Conscious Spending Plan

• Other episodes

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• Get Money Coaching with Ramit 

• Download the Conscious Spending Plan

• Get my New York Times best-selling book

• Get my no-numbers journal

• Other episodes

• Instagram

• Twitter

• YouTube

• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Kevin and Ebony are both 52. They have two kids, both young adults, and have turned their attention to retirement planning. But standing in the way are $135,000 of debt, a recurring issue, and 29 years of deeply ingrained negative communication patterns when it comes to money.

This episode is brought to you by:

DeleteMe | If you want to get your personal information removed from the web, go to https://www.joindeleteme.com/ramit for 20% off.

Go to https://www.doordash.com and use promo code RAMIT to get 50% off (up to $10) when you spend $15 or more at convenience, grocery or retail stores on DoorDash.

Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://www.meetfabric.com/ramit.

Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to https://www.longangle.com to learn more.

Links mentioned in this episode

• Get my New York Times best-selling book

• Get my no-numbers journal

• Get Money Coaching with Ramit 

• Join Dream Job

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• Download the Conscious Spending Plan

• Other episodes

• Instagram

• Twitter

• YouTube

• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Emily and John are in their mid 30s, living in Boston with their 2 year old son. Both coming from blue collar backgrounds, they’ve successfully broken many negative generational patterns thanks to a $200k combined income—but they struggle to break harmful spending habits. 

This episode is brought to you by:

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://www.drinklmnt.com/RAMIT.

Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://www.facet.com/ramit.

Mint Mobile | To get your new wireless plan for just $15 a month, go to https://www.mintmobile.com/ramit.

Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://www.drinktrade.com/ramit.

Links mentioned in this episode

• Get Money Coaching with Ramit 

• Download the Conscious Spending Plan

• Get my New York Times best-selling book

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• Get my no-numbers journal

• Other episodes

• Instagram

• Twitter

• YouTube

• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Nicole and Matt, 41 and 37, have weathered deaths in the family, a battle with alcoholism, and career difficulties to finally be on the right track and earning more income as a couple. But, the past has left them with trust issues and a stark imbalance when it comes to money responsibilities.

This episode is brought to you by:

Methodology | Visit https://gomethodology.com/ramit and use code RAMIT for 10% off your first order of Methodology.

Calm | Go to https://calm.com/ramit for 40% off unlimited access to Calm’s entire library.

DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off.

Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit.

Links mentioned in this episode

• Get the Podcast Newsletter and exclusive Q&A about the show

Connect with Ramit

• Get Money Coaching with Ramit 

• Download the Conscious Spending Plan

• Get my New York Times best-selling book

• Get my no-numbers journal

• Other episodes

• Instagram

• Twitter

• YouTube

• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

This conversation with Mike and Kate brings a completely new, and shocking, outcome to the podcast. They’re 29 and 32, with some massive life changes on the horizon. But they can’t save any money and lack the financial discipline to make real change for the sake of their family.

This episode is brought to you by:

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT.

Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit.

Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit.

BetterHelp | Visit https://betterhelp.com/ramit today to get 10% off your first month.

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• Get Money Coaching with Ramit 

• Download the Conscious Spending Plan

• Get my New York Times best-selling book

• Get my no-numbers journal

• Other episodes

• Instagram

• Twitter

• YouTube

• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Jonathan and Shalom are young, 31 and 27, married for 5 years and getting used to a big addition to their lives—a rushed home purchase in the Pacific Northwest that tints their relationship with conflict. Jonathan buries himself in the numbers. Shalom buries her head in the sand.

This episode is brought to you by:

Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit.

DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off.

Methodology | Visit https://gomethodology.com/ramit and use code RAMIT for 10% off your first order of Methodology.

Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to https://www.longangle.com/ to learn more.

Links mentioned in this episode

• Should I Buy a House Now? (5 Guidelines & Perfect Timing Tips)

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• Get Money Coaching with Ramit 

• Download the Conscious Spending Plan

• Get my New York Times best-selling book

• Get my no-numbers journal

• Other episodes

• Instagram

• Twitter

• YouTube

• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Jake and Hannah bring a younger perspective to the podcast today. 26 and 31 respectively, they find themselves in different seasons of life—especially when it comes to money. Hannah is about to have her own practice as a therapist while Jake is a ski instructor. Can they connect?

This episode is brought to you by:

Calm | Go to https://calm.com/ramit for 40% off unlimited access to Calm’s entire library.

DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off.

Ness Well | IWT listeners can get an extra 5K welcome bonus when they apply for the Ness Card at https://nesswell.com/ramit.

Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit.

Links mentioned in this episode

• Join Earnable

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• Get Money Coaching with Ramit 

• Download the Conscious Spending Plan

• Get my New York Times best-selling book

• Get my no-numbers journal

• Other episodes

• Instagram

• Twitter

• YouTube

• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

In this special limited series, we’re following up with couples from my Netflix show, How To Get Rich. Tune in to hear what’s new, what isn’t, and where their money conversations have gone since our taping. Today, we check in with Donnell and Monique on their debt, the storage unit, and more.

This episode is brought to you by:

Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit.

Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit.

Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit.

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT.

Links mentioned in this episode

• Get the Podcast Newsletter and exclusive Q&A about the show

• Download the Conscious Spending Plan

Connect with Ramit

• Get Money Coaching with Ramit 

• Get my New York Times best-selling book

• Get my no-numbers journal

• Other episodes

• Instagram

• Twitter

• YouTube

• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Mindy and Carl are in their early 50s with two teenage children and a successful track record flipping real estate that’s helped them build a $4.3M fortune. But as devoted members of the Financial Independence community, they struggle to talk, think, and spend it in healthy ways.

This episode is brought to you by:

Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit.

Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit.

Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit.

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT.

Links mentioned in this episode

• Get the Podcast Newsletter and exclusive Q&A about the show

Connect with Ramit

• Get Money Coaching with Ramit 

• Download the Conscious Spending Plan

• Get my New York Times best-selling book

• Get my no-numbers journal

• Other episodes

• Instagram

• Twitter

• YouTube

• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Jack and Christina were a perfect example of how not to travel—racking up credit card debt, booking late on a whim, and without emotional buy-in from one partner. In this deep dive episode, I go A to Z on how to plan, save, book, and enjoy vacation experiences the Rich Life way.

This episode is brought to you by:

Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit.

DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off.

Ness Well | IWT listeners can get an extra 5K welcome bonus when they apply for the Ness Card at https://nesswell.com/ramit.

Methodology | Visit https://gomethodology.com/ramit and use code RAMIT for 10% off your first order of Methodology

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• Get Money Coaching with Ramit 

• Download the Conscious Spending Plan

• Get my New York Times best-selling book

• Get my no-numbers journal

• Other episodes

• Instagram

• Twitter

• YouTube

• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Jack and Christina are 33, both born in Russia. With two young kids, they’re looking ahead to number three and to buying a home. But they have $0 saved and $87,500 in credit card debt that they can only pay minimums on right now. Christina’s income triples soon, can it solve everything?

This episode is brought to you by:

Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit.

DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off.

Ness Well | IWT listeners can get an extra 5K welcome bonus when they apply for the Ness Card at https://nesswell.com/ramit.

Methodology | Visit https://gomethodology.com/ramit and use code RAMIT for 10% off your first order of Methodology

Links mentioned in this episode

• Get the Podcast Newsletter and exclusive Q&A about the show

• Get my New York Times best-selling book

• Get Money Coaching with Ramit 

Connect with Ramit

• Download the Conscious Spending Plan

• Get my no-numbers journal

• Other episodes

• Instagram

• Twitter

• YouTube

• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Don’t miss Tuesday’s episode with Stacey and Jesse—where we uncovered severe imbalances in their relationship dynamic. Today, Ramit breaks down three main themes from that conversation, covering their complex budgeting system, covering for a partner’s passing, and spending on health and wellness.

This episode is brought to you by:

Calm | Go to https://calm.com/ramit for 40% off unlimited access to Calm’s entire library.

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT.

Nomorobo | To protect yourself and your family from phone scams, go to https://nomorobo.com/ramit for a 14-day free trial.

Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit.

Links mentioned in this episode

• Episode 104. “We’re worth $1.25M, so why is he afraid to get a $15 gym membership?”

• Download the Conscious Spending Plan

• Get the Podcast Newsletter and exclusive Q&A about the show

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• Get Money Coaching with Ramit 

• Download the Conscious Spending Plan

• Get my New York Times best-selling book

• Get my no-numbers journal

• Other episodes

• Instagram

• Twitter

• YouTube

• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Stacey is 37 and Jesse is 38. They’ve been together for 18 years, married for 11. They started with nothing, but now they make $238,000 a year. Their numbers are healthy, maybe even too good. So what’s the problem? Stacy’s designed their financial system with no room for Jesse to participate in it.

This episode is brought to you by:

Calm | Go to https://calm.com/ramit for 40% off unlimited access to Calm’s entire library.

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT.

Nomorobo | To protect yourself and your family from phone scams, go to https://nomorobo.com/ramit for a 14-day free trial.

Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit.

Links mentioned in this episode

• Download the Conscious Spending Plan

• Get the Podcast Newsletter every Saturday

• Get my New York Times best-selling book

Connect with Ramit

• Get Money Coaching with Ramit 

• 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.

Produced by Crate Media.

Today marks our first ever reaction episode, where Ramit breaks down each Tuesday’s conversation to give IWT listeners a deep dive on specific tactics, themes, and patterns. This week, we have the fascinating Janis and Michael. Make sure to stream episode 102 to catch up.

This episode is brought to you by:

Ness Well | IWT listeners can get an extra 5K welcome bonus when they apply for the Ness Card at https://nesswell.com/ramit.

DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off.

Methodology | Visit https://gomethodology.com/ramit and use code RAMIT for 10% off your first order of Methodology.

All The Hacks | Check out All the Hacks by Chris Hutchins on Apple Podcasts, Spotify, or wherever you listen to podcasts. Your wallet will thank you later.

Links mentioned in this episode

• Episode #102: “If he doesn’t stop supporting our 31-year old son, we won’t be able to retire”

Connect with Ramit

• Get Money Coaching with Ramit 
• Download the Conscious Spending Plan
• 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.

Produced by Crate Media.

Janis and Michael have been married for 39 years. They share two adult children; the first is a therapist that recommended coming on the podcast. The second continues to take advantage of them financially. Their story is heartbreaking, totally unique—concerning, but far from hopeless. 

This episode is brought to you by:

Ness Well | IWT listeners can get an extra 5K welcome bonus when they apply for the Ness Card at https://nesswell.com/ramit.

DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off.

Methodology | Visit https://gomethodology.com/ramit for 10% off your first order of Methodology.

All The Hacks | Check out All the Hacks by Chris Hutchins on Apple Podcasts, Spotify, or wherever you listen to podcasts. Your wallet will thank you later.

Links mentioned in this episode

• Download the Conscious Spending Plan

Connect with Ramit

• Get Money Coaching with Ramit 

• 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.

Produced by Crate Media.

In this special limited series, we’re following up with couples from my Netflix show, How To Get Rich. Tune in to hear what’s new, what isn’t, and where their money conversations have gone since our taping. Today, we check in with Millie and Christian on the MLM, gambling stock, and more.

This episode is brought to you by:

Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit.

Nomorobo | To protect yourself and your family from phone scams, go to https://nomorobo.com/ramit for a 14-day free trial.

Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit.

Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to https://www.longangle.com/ to learn more.

Links mentioned in this episode

• Get my New York Times best-selling book
• Get Money Coaching with Ramit 
• Join Earnable

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show
• Download the Conscious Spending Plan
• Get my no-numbers journal
• Other episodes
• Instagram
• Twitter
• YouTube
• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Celebrating 100 episodes of the I Will Teach You To Be Rich Podcast, we look and listen back to five of Ramit’s favorite can’t miss episodes covering: Disparate incomes, Credit card debt, Living beyond one’s means, Reverse gender roles, and High income problems. 

This episode is brought to you by:

Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at http://drinktrade.com/ramit.

Nomorobo | To protect yourself and your family from phone scams, go to https://nomorobo.com/ramit for a 14-day free trial.

Masterclass | For unlimited access to every class and 15% off an annual membership, go to http://masterclass.com/ramit.

Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to https://www.longangle.com/ to learn more.

Links mentioned in this episode

• Other episodes

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show
• Get Money Coaching with Ramit 
• Download the Conscious Spending Plan
• Get my New York Times best-selling book
• Get my no-numbers journal
• Instagram
• Twitter
• YouTube
• Submit a question for the newsletter iwt.com/askramit

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.

Produced by Crate Media.

In this special limited series, we’re following up with couples from my Netflix show, How To Get Rich. Tune in to hear what’s new, what isn’t, and where their money conversations have gone since our taping. Today, we check in with Drew to see if he’s been more honest with his partner, Mikey.

This episode is brought to you by:

BetterHelp | Visit https://betterhelp.com/ramit today to get 10% off your first month.

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://DrinkLMNT.com/ramit

Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit

Ness Well | IWT listeners can get an extra 5K welcome bonus when they apply for the Ness Card at https://nesswell.com/ramit

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• Get Money Coaching with Ramit 

• Download the Conscious Spending Plan

• Get my New York Times best-selling book

• Get my no-numbers journal

• Other episodes

• Instagram

• Twitter

• YouTube

• Submit a question for the newsletter iwt.com/askramit 

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.

Produced by Crate Media.

Sarah and Charlie are in their mid 30s living in Mexico City. They are foodies who love to travel, married for 5 years and earning in the top 1% for their location. Sarah has big dreams, but Charlie holds them both back – a dynamic we learn is seen, and heard, elsewhere in their lives.

This episode is brought to you by:

BetterHelp | Visit betterhelp.com/ramit today to get 10% off your first month.

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at DrinkLMNT.com/RAMIT.

Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to httpS://rocketmoney.com/ramit.

Ness Well | IWT listeners can get an extra 5K welcome bonus when they apply for the Ness Card at nesswell.com/ramit.

Links mentioned in this episode

• Get the Podcast Newsletter and exclusive Q&A about the show

• Guilt-free spending guide

• Submit a question for the newsletter at iwt.com/askramit 

Connect with Ramit

• Get Money Coaching with Ramit 

• Download the Conscious Spending Plan

• 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.

Produced by Crate Media.

In this special limited series, we’re following up with couples from my Netflix show, How To Get Rich. Tune in to hear what’s new, what isn’t, and where their money conversations have gone since our taping. Today, we check in with Frank to hear how he’s adapting to life as a full-time influencer.

This episode is brought to you by:

Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to https://www.longangle.com/ to learn more.

DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off.

Nomorobo | To protect yourself and your family from phone scams, go to https://nomorobo.com/ramit for a 14-day free trial.

Links mentioned in this episode

• Join Earnable

• Get my New York Times best-selling book

Connect with Ramit

• Get Money Coaching with Ramit 

• Download the Conscious Spending Plan

• 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.

Produced by Crate Media.

Jennifer and Andrew are in their 30s with 2 kids. They have been married for 11 years, but they speak different languages when it comes to money, deeply stuck in scripts from contrasting family backgrounds. Can they learn to come together in joy for the sake of their family?

This episode is brought to you by:

Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to longangle.com to learn more.

DeleteMe | If you want to get your personal information removed from the web, go to joindeleteme.com/ramit for 20% off.

Nomorobo | To protect yourself and your family from phone scams, go to nomorobo.com/ramit for a 14-day free trial.

Connect with Ramit

• Get Money Coaching with Ramit 

• Download the Conscious Spending Plan

• 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.

Produced by Crate Media.

In this special limited series, we’re following up with couples from my Netflix show, How To Get Rich. Tune in to hear what’s new, what isn’t, and where their money conversations have gone since our taping. Today, we check in with Nathalie to learn if she's curbed her spending at all.

This episode is brought to you by:

Ness Well | IWT listeners can get an extra 5K welcome bonus when they apply for the Ness Card at nesswell.com/ramit.

Babbel | Right now, when you purchase a 3-month Babbel subscription, you’ll get an additional 3 months for FREE. Just go to Babbel.com and use promo code RAMIT.

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at DrinkLMNT.com/RAMIT.

Connect with Ramit

• Get Money Coaching with Ramit 

• Download the Conscious Spending Plan

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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.

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Kate is 28 and Christine is 33. They’re married, living in the Detroit area with their nine-month old son. They’ve paid off credit card debt, sold their Ford at a profit, got out from a bad house purchase, and generally are doing extremely well for their ages. So why are they so anxious?

This episode is brought to you by:

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Links mentioned in this episode

• Get my New York Times best-selling book

• Get Money Coaching with Ramit 

Connect with Ramit

• Download the Conscious Spending Plan

• Get my no-numbers journal

• Other episodes

• Instagram

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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.

Produced by Crate Media.

In this special limited series, we’re following up with couples from my Netflix show, How To Get Rich. Tune in to hear what’s new, what isn’t, and where their money conversations have gone since our taping. Today, we check in with Amani and Matt, from their new dream home in San Diego.

This episode is brought to you by:

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Connect with Ramit

• Get Money Coaching with Ramit 

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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.

Produced by Crate Media.

Nicole and Jorden, 30 and 34, return for Part 2, where we unpack the deep emotional wounds caused by their lack of clear and honest communication about money. She earns 10X his income, but the hidden stories and assumptions at play are what threaten the future of their relationship.

This episode is brought to you by:

Nomorobo | To protect yourself and your family from phone scams, go to nomorobo.com/ramit for a 14-day free trial.

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Links mentioned in this episode

• Download the Conscious Spending Plan

Connect with Ramit

• Get Money Coaching with Ramit 

• Get my New York Times best-selling book

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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.

Produced by Crate Media.

Nicole and Jorden are in their 30s and have been dating for four years. Nicole recently graduated from college, jumping into an orthodontics career starting at $400,000 a year. Jorden’s failed personal training business, and lack of resolve to improve his situation, have her questioning everything.

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Links mentioned in this episode

• Join the LIVE watch party of my Netflix Show
• Netflix show BTS newsletter (limited time only)
• Get my New York Times best-selling book
• Get my no-numbers journal
• Get Money Coaching with Ramit 

Connect with Ramit

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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.

Produced by Crate Media.

This is a special solo episode where I answer questions from members of my Money Coaching program. In today’s episode: How to stop feeling guilty about spending, how to deal with peer pressure around your finances, and what to do if you worry about investing.

This episode is brought to you by:

Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to RocketMoney.com/ramit.

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DeleteMe | If you want to get your personal information removed from the web, go to joindeleteme.com/ramit for 20% off.

Links mentioned in this episode

• Netflix show BTS newsletter (limited time only)

• Get Money Coaching with Ramit 

Connect with Ramit

• Download the Conscious Spending Plan

• Get my New York Times best-selling book

• Get my no-numbers journal

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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.

Produced by Crate Media.

DJ and Adam, 37 and 33, have been dating for 3 years but DJ’s debt stands in the way of their potential marriage, as dictated by Adam, who’s been divorced in the past due to money issues. DJ recently doubled her income – and she has all the tools – but she’s frozen, unaccountable, and losing time.

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LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at DrinkLMNT.com/RAMIT.

Links mentioned in this episode

• Dream Job career research guide

• Get my New York Times best-selling book

• Download the Conscious Spending Plan

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• Get Money Coaching with Ramit 

• Get my no-numbers journal

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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.

Produced by Crate Media.

Natalie and Travis are in their 40s, living in SoCal with their four kids. Travis is a career military man, imprinting him with some pretty understandable tendencies toward conservatism with money. He’s saved and invested heavily for decades, but it’s left him without the muscle memory to enjoy what he’s built.

This episode is brought to you by:

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Links mentioned in this episode

• Netflix show BTS newsletter (limited time only)

• Get Money Coaching with Ramit 

• Get my New York Times best-selling book

Connect with Ramit

• Download the Conscious Spending Plan

• Get my no-numbers journal

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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.

Produced by Crate Media.

Kenna and Ryan are 36 and 45. Up until recently, Ryan worked and Kenna stayed home with their kids. Now, with that earning dynamic flipped, they’re facing new challenges with how they spend and save—especially when it comes to their children.

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Links mentioned in this episode

• Get Money Coaching with Ramit 

• Get my New York Times best-selling book

Connect with Ramit

• Download the Conscious Spending Plan

• Get my no-numbers journal

• Other episodes

• Instagram

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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.

Produced by Crate Media.

Darby and Kirsty, 27 and 25, are professional YouTubers. While Kirsty’s art tutorial channel explodes in profitability, Darby’s efforts lag behind in viewership and earnings, creating a stark contrast in their money dynamic. He feels he doesn’t deserve comfort. She waits for her success to vanish.

This episode is brought to you by:

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Links mentioned in this episode:

• Get my no-numbers journal

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Connect with Ramit:

• Get Money Coaching with Ramit 

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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.

Produced by Crate Media.

Asha and Matt are in their mid 30s. They bring a totally unique situation to the show today. A few years ago, Asha needed a second open-heart surgery—and an emergency appendectomy. She was told she might have three years left, so they spent like it. The issue? She made a full recovery.

This episode is brought to you by:

LMNT | Right now LMNT is offering my listeners a free sample pack with any purchase. That’s 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors or share LMNT with a salty friend. Get yours at DrinkLMNT.com/RAMIT.

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Sakara | Sakara is offering our listeners 20% off their first order when they go to Sakara.com/RAMIT or enter code RAMIT at checkout.

Links mentioned in this episode:

• Reading Classes: On Culture and Classism In America by Barbara Jensen
• The Power of the Past: Understanding Cross-Class Marriages by Jessi Streib

Connect with Ramit:

• Get Money Coaching with Ramit 
• Download the Conscious Spending Plan
• Get my New York Times best-selling book
• Get my no-numbers journal
• Other episodes
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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.

Produced by Crate Media.

Kristine is 32 and Thomas is 35. They’re raising three children in the Midwest. They love their jobs, are happy with their incomes, and just upgraded to a third, much larger, home. Everything is good–except that they’re going broke. With astronomical fixed costs, something’s got to give.

This episode is brought to you by:

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Links mentioned in this episode

• Get my New York Times best-selling book
• Get my no-numbers journal
• Get Money Coaching with Ramit 

Connect with Ramit

• Download the Conscious Spending Plan
• Other episodes
• Instagram
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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.

Produced by Crate Media.

Megan and Nyles are in their twenties and on a great trajectory with their money. She graduates from law school this year—sending her income from $0 to $215,000 overnight. But they’re both haunted by childhoods spent in poverty, leading to toxic scripts and trust issues.

Connect with Ramit

• Get Money Coaching with Ramit 
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• Get my no-numbers journal
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This episode is brought to you by:

LMNT | Right now LMNT is offering my listeners a free sample pack with any purchase. That’s 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors or share LMNT with a salty friend. Get yours at DrinkLMNT.com/RAMIT.

Sakara | Sakara is offering our listeners 20% off their first order when they go to Sakara.com/RAMIT or enter code RAMIT at checkout.

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.

Produced by Crate Media.

Melody and David are 39 and 45. They manage a picturesque multi-unit property which creates a unique money dynamic. David works as the property manager and has his own side business, but doesn’t pay attention to whether or not he’s making money, leaving Melody with a heavy burden.

Connect with Ramit

• Get Money Coaching with Ramit 
• Download the Conscious Spending Plan
• Get my New York Times best-selling book
• Get my no-numbers journal
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This episode is brought to you by:

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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.

Produced by Crate Media.

In part two of our revealing conversation with Sarah and Kevin, we offer solutions for their serious debt accumulation problem and grapple with the hard truth about their biggest non-negotiable expense: $55k a year for their three daughters’ private school tuition. 

Links mentioned in this episode

• Join the Earnable program
• Get Money Coaching with Ramit 

Connect with Ramit

• Download the Conscious Spending Plan
• Get my New York Times best-selling book
• Get my no-numbers journal
• Other episodes
• Instagram
• Twitter
• YouTube

This episode is brought to you by:

LMNT | Right now LMNT is offering my listeners a free sample pack with any purchase, that’s 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors or share LMNT with a salty friend. Get yours at DrinkLMNT.com/RAMIT.

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.

Produced by Crate Media.

Sarah and Kevin are 38 and 42. They sold their home to pay off $130k in debt, only to dig themselves another $55k hole, six months later. Sarah is worried that if she doesn’t stop her credit card spending, Kevin will ask for a divorce. We need two episodes to untangle their complicated situation.

Connect with Ramit

• Get Money Coaching with Ramit 
• Download the Conscious Spending Plan
• Get my New York Times best-selling book
• Get my no-numbers journal
• Other episodes
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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.

Produced by Crate Media.

Kirsten and Jon are both 34, raising two young boys in Canada. Kirsten, an engineer, is all about problems and solutions, going as far as "parenting" Jon when he overspends. Jon avoids money talk like the plague, even giving up his use of the joint credit card to avoid further static at home.

Links mentioned in this episode

• Get Money Coaching with Ramit 

Connect with Ramit

• Get Money Coaching with Ramit 
• Download the Conscious Spending Plan
• 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.

Produced by Crate Media.

Alex and Courtney are in their 30s. They live in Southern California and come from completely different money backgrounds. Their numbers reveal a stark truth; fixed costs are sinking their finances. They're only months from going bankrupt. Can Courtney come to terms with their reality? 

Links mentioned in this episode

• Join the Earnable program
• Download the Conscious Spending Plan

Connect with Ramit

• Get Money Coaching with Ramit 
• 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.

Produced by Crate Media.

Tommy is 60 and he’s run his own business for more than 30 years. He loves his work and doesn’t plan to stop. Caroline, his wife, is 56 and is retiring from a stressful job in a few months. Together, they’ve amassed over $6M. She’s ready to spend it but Tommy can’t stop saving and investing.

Links mentioned in this episode

• Get Money Coaching with Ramit 
• Download the Conscious Spending Plan
• Join Earnable

Connect with Ramit

• Get Money Coaching with Ramit 
• Download the Conscious Spending Plan
• 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.

Produced by Crate Media.

World-renowned dating and relationship expert, Matthew Hussey, sits with Ramit for an honest and wide-ranging one-on-one conversation on love, money, and the many layers of raw emotion and hidden messaging shared between them.

Links mentioned in this episode

• Podcast: Love Life with Matthew Hussey
• Website: howtogettheguy.com
• Instagram: @thematthewhussey

Connect with Ramit

• Get Money Coaching with Ramit 
• Download the Conscious Spending Plan
• Get my New York Times best-selling book
• Get my no-numbers journal
• Other episodes
• Instagram
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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.

Produced by Crate Media.

Jenee and Dan are 31 and 34. They've been married for three years and they're travel nurses, moving from city to city to alleviate workforce pressures. During the pandemic, they earned up to 4X their salaries, allowing them to pay off their debts—but at a huge emotional and mental cost.

Links mentioned in this episode

• Join my Money Coaching program
• Get the I Will Teach You to Be Rich book
• Get the IWT Rich Life Journal
• Download the Conscious Spending Plan

Connect with Ramit

• Get Money Coaching with Ramit 
• Download the Conscious Spending Plan
• Get my New York Times best-selling book
• Get my no-numbers journal
• Other episodes
• Instagram
• Twitter
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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.

Produced by Crate Media.

We pick up part two of Serena and Nate’s conversation with an equity problem—a serious one, and one they didn’t realize they had. Serena earns considerably more for now, but Nate stands to triple her salary in a couple of years. His medical school debt, in the meantime, crushes him. 

He needs help but she doesn't see it. 

He can’t, or doesn’t, speak up. 

Can they meet one another where they are?

Links mentioned in this episode

• Please take my podcast survey
• Join the Dream Job program
• Join the Earnable program

Connect with Ramit

• Get Money Coaching with Ramit 
• Download the Conscious Spending Plan
• Get my New York Times best-selling book
• Get my no-numbers journal
• Other episodes
• Instagram
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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.

Produced by Crate Media.

Nate and Serena are in their late 20s. They are engaged and live together, but a vast difference in their incomes creates an awkward dynamic when it comes to paying for shared expenses. They think their hot-button issue is a $3,000 loan between them—it’s a lot deeper than that. 

Resources

• Please take my podcast survey
• Join the Dream Job program
• Join the Earnable program

Connect with Ramit

• Get Money Coaching with Ramit 
• Download the Conscious Spending Plan
• 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.

Produced by Crate Media.

This is a special solo episode where I answer questions from members of my Money Coaching program. In today’s episode: How to handle a recession, how I thought about marrying the right person, how to hire a financial advisor (one of my favorite stories), and how to apply some of my advice to your situation. Join Money Coaching here: iwt.com/moneycoaching

00:01:16 — 1: What advice do you have about combining finances with a partner?

00:08:35 — 2: How does your money strategy change for a recession?

00:15:13 — 3: What would Ramit say to a single person who wants to marry the right person?

00:23:11 — 4: $3 questions vs. $30,000 questions

00:26:18 — 5: I'm a late starter. How do I calculate my contributions after age 50?

00:28:50 — 6: How do I balance funding an emergency fund and contribute to retirement every month?

00:33:01 — 7: What is your recommended asset allocation?

00:33:11 — 8: I'm curious how others think about different kinds of debt.

00:39:39 — 9: How do I fire a financial advisor?

00:50:54 — 10: Should I continue contributing to my Roth IRA even when the market is doing so poorly?

00:52:58 — 11: What is something about psychology Ramit wishes more people knew and took action on?

00:56:36 — 12: How do I protect my kids and think about where I want my money to go when I die?

01:03:09 — 13: I’m throwing out a humble brag after checking the history of my earnings at ssa.gov.

01:04:30 — 14: I’d like to celebrate a win overcoming invisible money scripts while out to dinner with my family.

Connect with Ramit

• Get Money Coaching with Ramit 
• Download the Conscious Spending Plan
• Other episodes
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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.

Produced by Crate Media.

Emily and Alex are in their mid-30s and have been dating for two years. They recently had a discussion about money and Emily was disappointed to learn how little Alex had saved. What would you do if you talked about money with your partner and you were disappointed at what you discovered?

Connect with Ramit

• Get Money Coaching with Ramit 
• Download the Conscious Spending Plan
• Other episodes
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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.

Produced by Crate Media.

Amy wants to put money away for their kids’ college funds. She’s shocked when her husband, Gaby, says no -- and that “the kids can figure it out themselves.”

They’re in their mid 30s with a household income of $115,000 in the Miami area. 

In today’s episode, we cover money psychology, class, and creating a vision of a shared Rich Life.

Connect with Ramit

• Get Money Coaching with Ramit 
• Download the Conscious Spending Plan
• Other episodes
• Instagram
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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.

Produced by Crate Media.

Chris and Camilla are 33 and 31 and they make almost $300k collectively living in a high cost of living area. They recently bought a vacation home, like everyone on TikTok tells you to do. 

Surprise, surprise—there’s no fairytale ending here, no mounds of passive income, no soaring property values or slam dunk investments.

They thought they’d cash in on a hot market. But with the slow season approaching, they’ve realized they're losing money. How should they handle it? And (gasp) what might other people say if they have to sell?

This episode is reminiscent of another Canadian couple, Eric and Elena, from episodes 49 and 50, who also bought a house they realized they couldn't afford. But I think you'll find this one fascinating for the differences—especially in the numbers.

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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.

Produced by Crate Media.

Jan and Emily are in their thirties and recently bought a house. During the sales process, Emily discovered a $100k loan that Jan had taken out without her knowledge. To make matters worse, Jan admits he didn’t really have a plan on how to use this money to benefit their lives.

Emily is the higher earner and lets Jan manage their money, adding to the feeling of betrayal that she keeps buried under a calm exterior. They are both supportive and willing to do the work—but Emily’s fear is real and must be processed out in the open.

What happens in a relationship when trust with money is broken in such a profound way? How can you plan ahead or feel secure with your partner's decisions? It’s a path with obstacles, no doubt. Let’s see if we can help Jan and Emily navigate it.

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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.

Produced by Crate Media.

Jim and Kasey are 45 and 41 with 5 young kids. They’ve been married for 18 years. But they admit that they don’t even know how they’ve made it this long with the serious communication problems in their relationship—specifically as they relate to money.

Kasey goes about her life avoiding money, mostly unaware that they’re dipping into their savings each month to get by—even though Jim got a big raise recently. On the other hand, Jim knows the truth in their numbers but bottles up his emotions. When he tries to talk with Kasey about money, he does it in a way that Kasey can’t—or refuses to—grasp.

In a few months, they won’t have any savings left. There’s too much at stake for them to continue on this destructive path. Let’s see if we can get them on the same page. 

Connect with Ramit

• Conscious spending plan 
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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.

Produced by Crate Media.

Beth and John are worth about $800k combined. They came to me a month before their wedding—in fact, by the time this goes live, they’re husband and wife (hopefully). The trouble is that they’ve never really talked about money, that she’s afraid of being a deadbeat partner… and they both want a prenup.

Now, it’s a little too late for a prenup, but we can help them in other ways.

The big day, looming large in their lives, has revealed some serious issues. Beth wants to—NEEDS to—leave her job, a role that’s costing her mental health dearly. But she’s terrified she’ll just be a financial burden to John. Will Beth and John be able to find common ground before they start their marriage? Listen in to find out.

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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.

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Connie and Wes have severe gender expectations. Connie desperately wants Wes to be the “man” in the relationship and pay for dinner. But when he tries, she scolds him to save for the future instead. This toxic dynamic is made worse by what we last heard in part 1… Connie’s net worth is—get this—over $6 million!

Can someone who’s making over $200k a month ever feel in balance with a partner bringing home $2k? The answer, of course, is yes—but getting Connie there is one of the biggest challenges we’ve ever faced on the podcast.

The canyons between their bank accounts and understanding of money are immense. Listen in as we bring them together with a shared vision of equity, respect, and joy.

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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.

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Connie and Wes have been dating for a year—but they have some very serious issues with how they see money, both individually and as a couple. The story to keep in mind: Connie’s mom earned considerably more money than her dad, but he always paid for family meals.

Fairytales like this complicate how we deal with money later in life. As such, the power of archaic and illogical gender roles is the big theme that we try to untangle in this one. We need to call out the cultural expectations held between Connie and Wes to make room for a healthier dynamic.

Don’t miss the dramatic cliffhanger ending that will leave your jaw on the floor as you wait for the fallout of part two, dropping next week.

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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.

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After talking to 60+ couples, Ramit reveals the #1 money issue that people deal with: feeling guilty. From what you heard as a child about money… to not being able to enjoy a vacation as an adult, Ramit breaks down the concept. Listen in as Ramit goes through his tactical approach to end money guilt and shame — once and for all. Want to dive in yourself? Download the Conscious Spending Plan, for free, to get started.

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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.

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Amy and Andre are 42 and 34 respectively. They make $140k a year, but they admit they’re often waiting for payday. They’re buried in debt and can’t seem to make any progress, which is bringing serious anxiety and stress into their lives.

Their biggest issue? Their fixed costs sit at 92% of their total income. We uncover all kinds of solutions as to how they might address this problem, but they struggle to grasp the reality of it all.

What’s worse, they submitted their Conscious Spending Plan showing a -2% for guilt-free spending. They not only have no joy tied to their money, but on paper, they show it as a detractor on their lives. This is a serious problem—let’s see if we can get them on the right track.

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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.

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In part two of Tom and Julie’s conversation, they start to see their reality for what it is—Julie may not have long to live, but she’s still working and is afraid to spend their millions on making memories with their young kids.

After a double lung transplant in 2020, she’s healthy—but odds are not in her favor for a long retirement. Julie admits that, if she were counseling a friend, she’d tell them to leave the career behind and focus on experiences. But even that isn’t enough to spark action… and the clock is ticking.

What would you do with millions of dollars in the bank and a short time to live? The answer seems obvious. To some, it isn’t so easy.

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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.

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Today’s conversation will shock you—point blank.

Tom and Julie are in their early fifties and have two school-aged kids. Both are savvy with their investments, and they’ve amassed a $12 million dollar net worth in the process. But Julie’s still working. She thinks of the income as an added layer of safety and security in their lives—but at their level of wealth, they’re making more in interest than her salary could ever bring in. 

Their situation may sound like it’s black and white—but wait for the jaw-dropping moment that changes everything. And look for next week’s episode, part two, as Tom and Julie start to reckon with their true reality.

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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.

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Georgia and James bring a different problem to the table than we’re used to hearing about. In this one, we zoom in on where, exactly, their net worth has come from… and the real risks of these decisions.

Having done well in the real estate market, Georgia and James just closed on a fourth property. The glaring issue is that they’re all located in the same neighborhood, amping up the risk of this investment class quite considerably.

Georgia is becoming increasingly anxious in the shadow of this risk, urging a diversification from their overloaded 98% commitment to housing. James is not unwilling to hear the argument, which makes this episode more direct and tactical—I love it. There’s a lot to learn here.

The biggest question we can ask in this case: Why are they even doing this? What is the end goal? Their answer paints a clear picture of what they need to do.

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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.

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This week’s conversation brings a slightly different perspective to the table. Michelle and Eric are in their fifties and are terrified that they’ve waited too long to invest for retirement. They’ve bickered about money for twenty-five years, narrowing their window of opportunity and adding a ton of personal baggage into the equation.

Usually, part of the solution for most people is long-term investing. But with Michelle and Eric, time is not on their side. To complicate things, Michelle is defensive and triggered by even talking about money. She prefers to keep things focused on the math… but it’s much deeper than that.

What would you do to overcome the very real hopelessness that many people of their age experience? Let’s see what happens.

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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.

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Rebecca and Joe have two young kids, and a third is on the way. They are renting at the moment and love the neighborhood they live in—but they both think they need more space to match their growing family. Should they keep renting? Buy a home? Move in with his parents? Their lease is up soon and the pressure is on (or so they think).

To complicate things, we find out that their fixed costs, alone, make up for 105% of their take-home pay. As a refresher, I recommend spending no more than 60% on fixed costs. But they’re spending more than they make every month. Something’s got to give.

They feel frustrated. They feel overwhelmed. They feel like failures as parents because they can't provide for their kids. There are many layers to this on both the financial side and the psychological side. Let’s dig in.

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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.

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Michelle and Dan are in their early thirties, and from the outside, they look like they’re in a great place financially. They make $225,000 annually, and they’ve saved $200,000 already. So, why do they feel so much dread, confusion, and fear about their money?

Their philosophy has always been to save as much as possible… so they’re afraid to spend or invest. But they don’t realize how much they’re missing out on, and it’s not just investment returns.

Michelle and Dan have thousands of dollars, but they’re afraid to take a vacation. Will they ever feel good about money? They could be living their Rich Life today—but only if they address the real, emotional reasons they’re stuck. Let’s see how they do.

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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.

Produced by Crate Media.

Personal finance can seem complicated, but most issues are linked back to two core influences—how people think and feel about money. Where they land on those scales has a wide range of possible manifestations (skimping on frozen berries, anyone?). 

One year into the podcast, and a handful of these themes have become very clear. Tune in to this special solo episode as Ramit breaks them down. Check out the free resources below if any of these scenarios sound familiar to you—or you’re just ready to deepen your understanding of money and what it can do for you.

Programs & Resources

• iwt.com/moneymindset → Money Mindset Mini Course
• iwt.com/guiltfree → Conscious Spending Plan
• iwt.com/nomorefights → Guide to How to Talk to Your Partner about Money
• iwt.com/house → Ramit's 3 step guide to buying a house
• iwt.com/therichlife → Rich Life mini course 

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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.

Produced by Crate Media.