Money For Couples with Ramit Sethi

Paul, 33, and Maddie, 29, joined us in New York City for a live-recorded episode. She is a high earner, but worries about lifestyle creep. He recently left his job, and they’re treading water on one income.

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.

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

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

• 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.

Jim and Dana are 58, five years into their second marriages, and coping with changes in their new lifestyle in different ways. Jim is set on providing as he follows patterns from his past, hiding tens of thousands in debt. Dana daydreams of her past in California—and the lifetime of alimony she passed up. 

This episode is brought to you by:

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

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

Claritin | Visit https://claritin.com right now for a discount so you can get allergy relief and live Claritin Clear.

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

• Socioeconomic mobility in the United States (Wikipedia)

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.

Live in NYC, Carlos and Amanda, 36 and 28, join the show to talk through a recurring issue in their relationship—her earning ability vs. the possibility of staying home with their kids. They recently moved out on their own and Carlos is in school to put himself in position for a higher income.

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.

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

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

Links mentioned in this episode

• Can combining finances lead to long-lasting love? (Cornell Research)

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.

Caleb and Alex are both 27. They have one young child and foster two sisters, both of whom they intend to adopt soon. As children themselves, Caleb and Alex were immersed in missionary work in South America—an influence that colors how they see, feel, and act with money.

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.

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.

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.

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

Rob and Adrienne are nearing retirement but worried about having enough. In Part 2, we dig into their Conscious Spending Plan to reveal a massively successful investment strategy that remains shrouded by deep lingering fears, $3 questions, and hard-to-break bad habits with money.

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.

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

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

Links mentioned in this episode

• “We spent $80,000 more than we made last year” (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.

Adrienne and Rob are 59 and 62, and they are overcome with worry over whether or not they’ve amassed enough wealth to live comfortably, and apply Rich Life principles, in their retirement years. Adrienne’s head is in the clouds—dreamy and full of color. Rob lives in his (physical!) spreadsheets. 

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.

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.

Claritin | Visit https://claritin.com right now for a discount so you can get allergy relief and live Claritin Clear.

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

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

Links mentioned in this episode

• “We have $2M, why can’t we retire?” (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.

In the second half of this live-recorded conversation with Paul and Morgan, 37 and 33, we dig deeper into their Conscious Spending Plan to uncover three cars (for two adults), sporadic debt management, high pet care costs, hidden student loans, and what seems like no way out from under it all. 

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 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.

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 $22k in cc debt—but I want to renovate the house” (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.

Paul and Morgan, 37 and 33, find themselves in a painful loop of arguments and unchecked spending, putting the future of their young family at risk. We hear about destination concerts, ongoing renovations, and charged vacations—but it’s their fixed cost percentage that is most worrisome.

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.

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

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.

Claritin | Visit https://claritin.com right now for a discount so you can get allergy relief and live Claritin Clear.

Links mentioned in this episode

• “We have 2 kids, 3 cars...but only 1 month of savings" (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.

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 

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• 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.

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.

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.

• 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
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• 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
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• Get my no-numbers journal
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• 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.

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
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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.

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…

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
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• 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.

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.

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.

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

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
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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.

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.

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

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

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:

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

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.

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.

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 
• Download the Conscious Spending Plan
• Get my New York Times best-selling book
• Get my no-numbers journal
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• 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.

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:

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

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

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 
• 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.

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
• 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.

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
• 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.

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.

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

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
• 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.

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
• 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.

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
• 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.

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
• 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.

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

• 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.

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

• 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.

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

• 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.

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

• 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.

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

• Please fill out this short listener survey

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.

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.