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Money For Couples with Ramit Sethi

Money For Couples with Ramit Sethi

By: Ramit Sethi
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 Get Ramit's new book, Money for Couples at iwt.com/moneyforcouples. From Ramit Sethi, host of Netflix’s ‘How to Get Rich’ and author of NYT bestselling books, ‘I Will Teach You To Be Rich,’ and ‘Money for Couples’… Imagine listening in on raw, unfiltered conversations with real couples, to explore how money psychology affects their everyday lives. Ramit talks with couples from all walks of life, helping them to get past guilt, resentment, & fighting over purchases, to help them create a shared vision for their Rich Life. Ramit asks the questions we wish we all could ask, presenting a new philosophy on money: spend extravagantly on the things you love, and cut costs mercilessly on the things you don’t. Follow Money For Couples on Instagram, YouTube, Facebook, and X to start living your rich life today. In Money for Couples, Ramit delves into the often-hidden dynamics around money issues in marriage, which can be some of the biggest challenges couples face. Money psychology impacts everything from everyday decisions to long-term dreams, and Ramit's finance coaching sessions with couples offer an eye-opening look into the deeper emotions behind financial choices. Whether you're wondering how to save for a big goal, how to invest in a shared future, or simply looking to understand personal finance in a relationship better, this podcast delivers practical, actionable insights. Each conversation reveals that money in marriage isn't just about numbers—it's about values, trust, and working together toward a Rich Life that's unique to each couple. Ramit provides a safe space for couples to unpack the beliefs and habits that may hold them back financially, guiding them toward a shared vision for their lives. With humor and empathy, Ramit's finance coaching shows couples that they can learn to save and spend in ways that enhance, rather than hinder, their relationship. Money for Couples is not only a finance podcast but a journey into what makes a marriage strong, financially and emotionally. Through the lens of personal finance, Ramit provides a blueprint for couples to navigate the challenges of managing money together, offering tools to make confident, aligned choices. So, whether you're a fan of the Ramit Sethi podcast or new to his philosophy, tune in and learn how to save, how to invest, and how to create a financial future with the person you love. Ramit's unique approach to money psychology helps couples overcome common money issues in marriage, from guilt and resentment over purchases to aligning on long-term financial goals. By exploring real couples' stories, Ramit offers insights into how money mindset affects everyday decisions and bigger life dreams. His finance coaching provides couples with a safe space to unpack their beliefs and habits around spending, saving, and investing. Rather than focusing solely on the numbers, Ramit emphasizes the importance of values, trust, and working together toward a shared vision for a Rich Life. Couples will learn practical strategies for managing money as a team, from saving for big purchases to building investment portfolios. Ramit's philosophy of "spend extravagantly on the things you love, and cut costs mercilessly on the things you don't" empowers listeners to make financial choices that enhance their relationship. Money for Couples is an essential listen for any married or committed pair looking to improve their personal finance skills and deepen their emotional connection. Ramit's finance coaching and the real-life stories of the couples he features offer a blueprint for navigating the challenges of money in marriage. Whether you're a long-time listener of Ramit's work or new to his approach, this podcast will transform how you think about spending, saving, and investing as a couple.c0c586c0-d600-11f0-806a-8f7132ddc1c5 Economics Personal Finance Relationships Social Sciences
Episodes
  • 252. "I’m 35, in debt, and spend everything I make"

    252. "I’m 35, in debt, and spend everything I make"
    Mar 17 2026
    Ramit Sethi of I Will Teach You To Be Rich talks to Lina, 35, and Mike, 28, a married couple living in South Florida with their 8-month-old son. Despite earning almost $200,000 annually, they've been entangled in debt since their wedding three years ago. They consistently make plans to conquer their financial woes but never follow through. Their debt has soared to over $750,000, and their fixed costs devour 98% of their take-home pay, leaving them with zero savings. Lina attributes their financial struggles to unexpected events, like her pregnancy, which led to her cutting back on work and an increased focus on comfort and convenience, regardless of the cost. Mike, an accountant, has largely deferred to Lina, resulting in a fractured approach to their shared finances. They both use "comfort" as a justification for their spending, avoiding "sacrifice," yet this mindset is driving them toward a financial cliff. Can Ramit help them confront their real numbers, bridge their communication gap, and finally unite as a financial team to build a rich life? In this episode we uncover: • Why Lina's comfort-first approach to spending is unsustainable • Mike’s "happy wife, happy life" approach to finances • The shocking reality of their $750,000 debt despite a high income • How Mike's "accountant" background has not helped their personal finances • The startling hidden costs of their lifestyle choices • Lina's upbringing with generational wealth and its impact on her money mindset • Mike's immigrant experience and its influence on his spending habits • The unspoken divide in their financial expectations and responsibilities • Ramit's direct challenge to their "comfort over sacrifice" mentality • A dramatic suggestion to overhaul their financial situation • Their raw and vulnerable discussion about making tough decisions • The moment Mike and Lina finally confront their financial reality Chapters: (00:00:00) Introduction (00:04:01) "We make plans and we never follow through" (00:09:00) Understanding their "comfort vs. sacrifice" mentality (00:18:40) Mike's "happy wife, happy life" approach (00:34:50) Unpacking their debt (00:40:11) "If we're a plane, we're about to crash" (00:46:00) Lina's privileged upbringing & generational wealth (01:00:21) Mike's immigrant story and mom's sacrifices (01:26:02) Confronting their high fixed costs and potential solutions (01:17:01) Mike and Lina's dramatic confrontation about spending habits (01:21:00) The power of a shared vision for their future (01:32:14) Follow-ups This episode is brought to you by: Leesa | Go to https://leesa.com for 20% off mattresses PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners LMNT | Get a free 8-count Sample Pack with any LMNT order at https://drinklmnt.com/RAMIT DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout Factor | Go to https://factormeals.com/ramit50OFF and use code RAMIT50OFF to get 50% off your first box, plus free breakfast for 1 year ZocDoc | Go to https://zocdoc.com/ramit to find and instantly book a top-rated doctor today #sponsored Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you or your partner get stressed spending $150 on dinner, or are covering up spending, I’d like to help. Apply to be coached for free on this podcast at iwt.com/apply
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    1 hr and 32 mins
  • 251. "We own a $1M house but can’t pay for groceries"

    251. "We own a $1M house but can’t pay for groceries"
    Mar 10 2026
    Ramit Sethi of I Will Teach You To Be Rich talks to John and Victoria in a follow-up episode. This couple, in their thirties with three children and a home in suburban New York, is facing severe financial challenges with 97% fixed costs and over $100K in non-mortgage debt. In their last session, Ramit highlighted the urgency of their situation, presenting them with two stark choices: sell their house and clear debt, or double down on income and aggressive cuts. They chose to keep their house, which required Victoria to return to work, both of them to significantly increase their earnings, and drastically cut spending. Ramit challenged them to implement these changes within two months. This episode reveals how John and Victoria fared in those crucial eight weeks. Did they truly embrace change, or did old habits resurface? In this episode we uncover: • Their initial feelings after the first money coaching session • The surprising reason for Victoria's job loss • How they managed to cut $500 from their grocery bill • Why John thinks dry cleaning is a necessity • Ramit's radical advice on debt repayment versus savings • The true meaning of "rich life" for John and Victoria • How their childhood money beliefs impact their present • The hidden challenge of Victoria's student loans • Their struggle with an external vs. internal locus of control • The danger of a financial plan that requires 100% perfection Chapters: (00:00:00) The desperation that led to an application to Ramit (00:03:00) How a hotel bill leads to a missed mortgage payment (00:05:25) The once-a-year money conversation (00:10:47) The devastating results of Victoria’s annual money spreadsheet (00:19:18) Justifying thousands in Amazon purchases with high debt (00:28:15) Understanding their $600K net worth and zero liquidity (00:35:10) The crushing reality of 97% fixed costs (01:10:46) Victoria’s inherited money trauma fuels her avoidance (01:19:40) The importance of taking decisive action (01:21:05) The couple’s future plans This episode is brought to you by: Facet | As of the date of this recording, Facet is waiving the enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to facet.com/ramit to learn more about which membership option is best for you. Offer expires March 31, 2026. #FacetAd MasterClass | For unlimited access to every class and an additional 15% off any annual membership, go to https://masterclass.com/ramit Fabric by Gerber Life | Join the thousands of parents who trust Fabric to protect their family. Apply today in just minutes at https://meetfabric.com/ramit Netsuite | Get the free guide “Demystifying AI” at https://netsuite.com/ramit Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you or your partner get stressed spending $150 on dinner, or are covering up spending, I’d like to help. Apply to be coached for free on this podcast at iwt.com/apply
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    1 hr and 34 mins
  • 250. "We spend 97% of what we make—and can’t stop"

    250. "We spend 97% of what we make—and can’t stop"
    Mar 3 2026
    Ramit Sethi of I Will Teach You To Be Rich talks to John and Victoria, a couple in their thirties with three children who own a home they adore in the suburbs of New York. Despite a beautiful house and growing family, their financial reality is grim. They are facing a structural financial problem, with 97% of their take-home pay consumed by fixed costs and less than a week's worth of savings. Ramit helps them confront the deep-seated issues that are keeping them in a constant state of financial precarity, from their avoidance of tough money conversations to inherited money scripts from childhood. Can John and Victoria break free from their cycle of justification and short-term thinking to secure their family's future, or will their dream home remain their biggest financial burden? In this episode we uncover: • How 97% fixed costs lead to a desperate financial situation • The role of a vacation in triggering their mortgage payment crisis • Their alarming "once a year" approach to discussing money • The mental gymnastics behind their Amazon purchases • A revealing peek at their "money wishlist" revealing crazy renovation plans • The shocking truth about their combined total net worth • The impact of a significant annual financial gift on their spending habits • Victoria's avoidance of medical bills and connection to her mother's money habits • Ramit's candid warning about their path to losing their home • The critical choice they face: the house or their financial stability Chapters: (00:00:00) Introduction (00:02:37) The Mortgage Crisis and Vacation Spending (00:07:45) Their "Once a Year" Money Talks (00:16:14) The Amazon Justification and Money Wishlist (00:25:10) A High Net Worth, Zero Liquidity (00:30:15) The Emotional Cost of Financial Struggle (00:41:50) The True Cost of Their Grocery Spending (00:48:10) Understanding Their Credit Card Debt (01:09:31) Ramit's Dire Warning: The Threat to Their Home (01:13:07) A Fork in the Road: House vs. Financial Stability This episode is brought to you by: DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout Superhuman Mail | Turn your inbox into momentum. Sign up at https://superhuman.com/ramit3. Gusto | Try Gusto at http://gusto.com/ramit and get 3 months free when you run your first payroll Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 10% off plus free shipping ZocDoc | Go to https://zocdoc.com/ramit to find and instantly book a top-rated doctor today #sponsored Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Do you want to retire in the next 5 years but wonder if you have enough? If so, I'd like to help. Apply to be coached for free on this podcast at iwt.com/apply
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    1 hr and 23 mins
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Whilst I'm in Australia, the discussions had apply globally. I love listening. Great podcast!

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