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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
  • 255. "I’m 40 and work 2 jobs. How are we still broke?"

    255. "I’m 40 and work 2 jobs. How are we still broke?"
    Apr 7 2026
    Ramit Sethi of I Will Teach You To Be Rich talks to Gabriella, 36, and Chris, 40, a married couple from Pennsylvania with four kids, zero savings, and $32,000 in credit card debt. They both work multiple jobs. Chris travels all week and picks up extra shifts on weekends. Gabriella juggles three income streams while running the household alone. And yet their fixed costs sit at 109% of their income and the debt keeps growing. What Ramit uncovers goes much deeper than the numbers. For years, Gabriella has been managing everything alone, building budgets Chris never looks at, covering purchases she never agreed to, and quietly losing hope. Chris has been avoiding the conversation entirely. And buried underneath it all is something neither of them mentioned in their application: they've been here before. They filed for bankruptcy. And now, with four kids in tow, they're on the exact same path. In this episode we uncover: Why two incomes and two extra jobs still aren’t enough when your fixed costs are 109% The treadmill purchase that broke Gabriella's trust What Ramit means by "95% of your money relationship is in the shadows" The bankruptcy reveal that changes everything Why Chris can't give a straight answer and what it's costing the marriage The moment Gabriella admits she stopped doing everything just to see what would happen How Gabriella's new $70K job changes the numbers overnight The Florida plan and why Ramit says it won't fix anything What it looks like when a couple finally starts working as a team Chapters: (00:00:00) "I've never not worried about money in our marriage" (00:07:10) Do you have trust issues around money? (00:15:18) "What if you just stopped doing it all?" (00:17:32) "95% of our relationship with money is in the shadows" (00:22:17) Ramit reads the separation ultimatum from her application (00:34:00) The power dynamic: who earns more, who leads? (00:46:05) "So you all are broke" (00:52:27) The bankruptcy reveal (01:00:36) The Florida plan and why it won't fix anything (01:03:31) Gabriella's new income changes everything (01:05:57) "I'm too tired of being alone" (01:58:09) Follow-ups Calling LA couples: Apply to be coached for free on this podcast at ⁠https://iwt.com/apply⁠ This episode is brought to you by: Fabric by Gerber Life | Join the thousands of parents who trust Fabric to protect their family. Apply today in just minutes at https://meetfabric.com/ramit DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout ZocDoc | Go to https://zocdoc.com/ramit to find and instantly book a top-rated doctor today #sponsored Facet | As of the date of this recording, Facet is waiving the enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to facet.com/ramit to learn more about which membership option is best for you. Offer has been extended to 12/31/2026. #FacetAd If you or your partner get stressed spending $150 on dinner, or are covering up spending, I'd like to help. Apply to be coached for free on this podcast at iwt.com/apply Connect with Ramit Get my new book, Money For Couples Get Money Coaching with Ramit Download the Conscious Spending Plan Listen to my book—now on Audible Get my New York Times best-selling book Get my no-numbers journal Other episodes Instagram Twitter YouTube Have you or your partner fallen for a scam? If so, I’d like to help. Apply to be coached for free on this podcast at iwt.com/apply
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    2 hrs
  • 254. My $0 to $100k Playbook (full beginners guide)

    254. My $0 to $100k Playbook (full beginners guide)
    Mar 31 2026
    Most people never find out when they'll have $100,000. Not because it's impossible, but because they never actually run the numbers. In this bonus episode, Ramit walks through the full picture: the compound interest math that most people ignore, the six-step system he recommends for getting to $100K, and the calculator that shows you the exact date it's going to happen for you. He also covers the four mistakes he sees people make over and over, including one that affects people who are otherwise doing everything right. No couple on the couch. No Conscious Spending Plan breakdown. Just the map. Why a higher salary alone won't fix your relationship with money The compound interest curve and the moment in year 19 where everything changes The calculator that gives you your personal $100K date The CEO system: What it means to cut, earn, and optimize, and how to do it without obsessing over every dollar Why automation beats trying every single time The six steps to $100K and why you can't skip ahead The 1% December rule, one small change per year that compounds into hundreds of thousands Four traps that quietly derail people: get rich quick thinking, toxic frugality, "I missed my chance," and the optimization spiral Q&A: debt vs investing, handling irregular income, moving a Roth IRA out of Primerica, and how FIRE actually works ⏩ CHAPTERS (00:00:00) Introduction: your money map to $100K (00:01:24) The big delusion: "If I just earned more, I'd be rich" (00:06:04) What $100K actually means and why it matters (00:07:13) The compound interest math most people never look at (00:15:12) Finding your exact date: the $100K calculator live (00:19:57) The six steps and why sequence matters (00:20:22) Step 1: Kill high-interest debt (00:22:28) Step 2: The CEO system: cut, earn, and optimize (00:29:50) Step 3: Build your financial moat (00:33:13) Step 4: Where real wealth is actually created (00:34:25) Step 5: Build the right environment (00:38:34) Step 6: Play offense and delete your budgeting app (00:41:22) Four traps that quietly destroy your momentum (00:45:29) Q&A: debt vs investing, irregular income, Roth IRA transfers, and FIRE Get my new book, Money For Couples: https://iwt.com/moneyforcouples Get Money Coaching with Ramit: https://iwt.com/moneycoaching Download the Conscious Spending Plan: https://iwt.com/csp Listen to my book now on Audible: https://amzn.to/48zko28 Get my New York Times best-selling book: https://iwt.com/book Get my no-numbers journal: https://iwt.com/journal Other episodes: https://iwt.com/podcast Instagram: https://www.instagram.com/ramit/ Twitter: https://twitter.com/ramit YouTube: https://youtube.com/user/ramitsethi/featured/ If you or your partner get stressed spending $150 on dinner, or are covering up spending, I'd like to help. Apply to be coached for free on this podcast at iwt.com/apply
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    57 mins
  • 253. "I’m 53, exhausted, and still living paycheck to paycheck"

    253. "I’m 53, exhausted, and still living paycheck to paycheck"
    Mar 24 2026
    Ramit Sethi of I Will Teach You To Be Rich talks to Tania and Mike who are in their 50s, married 21 years, and earning over $225,000 a year. By most measures, they should be fine. But they’ve been trapped in the same debt cycle for two decades. Cashing out 401(k)s, borrowing from family, and digging themselves out only to fall right back in. Again and again. When Ramit opens their Conscious Spending Plan, the numbers are genuinely shocking. Fixed costs at 155%. Savings at 0%. Guilt-free spending at -73%. They are spending more than they make every single month and they have barely one month of savings to show for it. But the money isn’t even the most revealing part of this episode. Ramit works through the psychology behind the cycle, the “dreamer” pattern that keeps pulling them back in, and what it’s actually going to take for them to change together. In this episode we uncover: A $228K income with 155% fixed costs… How does that even happen? The parent-child dynamic Ramit identifies and why both of them are miserable because of it Mike’s $23,000 tractor purchase and the pattern behind it Why Tania has been a “money transcriptionist” instead of a money manager The “dreamer” trap: Believing the next thing will finally fix everything How Mike’s upbringing shaped his complete shutdown around money What real money conversations between couples actually look like The follow-up update from Tania and Mike Chapters: (00:00:00) Introduction (00:07:04) Looking at the numbers: $228K income, 155% fixed costs (00:11:41) "I've never talked about feelings, we've been married 21 years" (00:30:35) The tractor: how every big purchase actually happens (00:43:26) Cashing out retirement AGAIN! (00:47:14) The dreamer pattern: why the next thing never fixes anything (00:53:46) Michael's moment: "I don't know how to talk about money. It scares me." (01:07:56) Ramit walks through their house: where did all the money go?(01:16:07) The alter ego exercise: imagining a different life (01:31:27) Tanya's moment: "I'm the hero. I always say yes." (01:34:05) Ramit draws the caricature (02:01:48) Follow-ups This episode is brought to you by: Gusto | Try Gusto at http://gusto.com/ramit and get 3 months free when you run your first payroll Facet | As of the date of this recording, Facet is waiving the enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to facet.com/ramit to learn more about which membership option is best for you. Offer expires March 31, 2026. #FacetAd Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit Fabric by Gerber Life | Join the thousands of parents who trust Fabric to protect their family. Apply today in just minutes at https://meetfabric.com/ramit Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Has your partner recently been obsessed with investing? Maybe not telling you what they're doing with your shared money? If so, I'd like to talk. Apply to be coached for free on this podcast at iwt.com/apply
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    2 hrs and 2 mins
All stars
Most relevant
This couple are so loving and such a team, the committment shown to their family is beautiful.

😊🤗☺🤗😊

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Ramit keeps it real and is a money "doctor"!

Quickly zones in on the root cause of the problem, and helps you acknowledge it and the remedies that are measurable. A no "BS" direct approach which is what we all really need. One can relate to his clients, the pickle they find themselves in, the high emotions, disjointed-communication and high stress levels etc..... it all resonates on some level. Great info and tips to a cross range of listeners.

An actionable takeaway for all!

a refreshing straight shooter..

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Ramit has changed my life and made me look at my finances in a whole new light. The podcast is raw and eye opening and I encourage everyone to listen to it.
To anyone wanting to take control of their own finances I would recommend you go buy his book too!

Life changing

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These are fantastic and an absolute must for understanding the role of money in relationships and the psychology behind it. I’ve learnt a lot from these.

Must listen to!

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Useful incites into the small changes I could potentially apply to my own finances to improve my own money story

Info to help me realise changes I could make

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