Money For Couples with Ramit Sethi cover art

Money For Couples with Ramit Sethi

Money For Couples with Ramit Sethi

By: Ramit Sethi
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Summary

 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
  • 260. "We’re in our 40s and forgot to invest. Are we screwed?"

    260. "We’re in our 40s and forgot to invest. Are we screwed?"
    May 12 2026
    Ramit Sethi of I Will Teach You To Be Rich talks to Nicole and Shane, an engaged couple in their forties getting married in just 11 days. Together they earn $241,000 a year, have a net worth of $588,000, and hold $265,000 in savings, but their financial lives are still tangled. Nicole has built a rich life around travel, dining out, and intentional spending, while Shane is a natural saver whose job has covered most of his living expenses. As they prepare for marriage, a future child, and a major shift in Nicole’s income, Ramit helps them confront the messy reality of combining money, separating business and personal finances, investing more aggressively, and turning vague dreams into a real shared Rich Life. In this episode we uncover: • Why Nicole’s $10,000-a-month spending shocked Shane early in their relationship • How Nicole built a “Rich Life” for one through travel, dining out, and dedicated savings • Shane’s unusual work setup where housing, food, and utilities have been covered • The tension of combining finances just 11 days before their wedding • Why Nicole feels judged for her lifestyle, even though her numbers are strong • Their combined income of $241,000 a year and net worth of $588,000 • Why Shane has a higher net worth despite Nicole earning slightly more • Nicole’s concern that her income could drop by half after having a child • How Nicole’s business and personal finances became dangerously tangled • Their surprisingly low fixed costs and unusually high savings rate • Why having $265,000 sitting in savings may actually be holding them back • Shane’s habit of trying to time the market when investing • Why their projected $1.7 million retirement portfolio may not be enough for the life they want • Ramit’s advice on turning their messy numbers into a shared financial vision before marriage ⏩ CHAPTERS (00:00:00) Teaser: “You spend $10,000 a month?” (00:01:02) Introduction: combining money before marriage (00:02:47) Nicole and Shane’s financial snapshot (00:06:53) Nicole feels judged by her lifestyle (00:08:50) Nicole’s Rich Life: travel, dining out, and $500 dresses (00:12:45) How marriage changes Shane’s living situation (00:15:38) Reviewing their Conscious Spending Plan (00:19:42) Their $241,000 household income (00:24:01) Ramit explains why letting the prenup discussion go was a mistake (00:27:20) Nicole’s business and personal finances are mixed together (00:35:00) The problem with saving 42% but under-investing (00:40:32) Nicole’s guilt-free spending doesn’t add up (00:45:26) Ramit explains the danger of tracking without understanding (00:48:53) Their retirement projection (00:50:13) Why $1.7M may not be enough (00:52:05) Reallocating savings instead of only cutting spending (01:20:12) Turning dreams into a realistic financial vision (01:47:11) Ramit’s final advice: use the time before income changes wisely (01:50:00) Follow-ups and closing thoughts This episode is brought to you by: Netsuite | Get the free guide “Demystifying AI” at https://netsuite.com/ramit LMNT | Get a free LMNT Sample Pack with any order at https://drinklmnt.com/RAMITFactor | Head to https://factormeals.com/ramit50off and use code ramit50off to get 50 percent off and free daily greens per box, with new subscription only, while supplies last until 09/27/2026. (See website for more details). DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkoutGet 25% off my programs until Friday May 15th at iwt.com/programs with code RESET26. Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Apply to be on my podcast at https://iwt.com/apply
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    1 hr and 53 mins
  • 259. "We’re worth $1.5M but I refuse to buy new pants"

    259. "We’re worth $1.5M but I refuse to buy new pants"
    May 5 2026
    Ramit Sethi of I Will Teach You To Be Rich talks to Mikaela and Dave, both in their early thirties, parents of two young children, and earning an impressive $278,000 a year. Despite a net worth nearing $1.5 million, they struggle to spend money, even on necessities. Mikaela wears clothes with holes, and Dave sits in an uncomfortable chair, all rooted in a scarcity mindset developed from past challenges and recent life events. Ramit helps them explore their money beliefs, encouraging them to redefine their rich life beyond just accumulating wealth. In this episode we uncover: • Their surprising net worth of nearly $1.5 million in their early thirties • Mikaela's struggle to replace workout leggings with holes, even when she can afford it • Dave’s discomfort with his office chair despite working from home • The recent health scares that have frozen their spending decisions • Why Mikaela still views money through a lens of scarcity despite their wealth • The shocking realization of their actual household income versus their perception • The invisible labor dynamics in their financial management • Mikaela's childhood experiences with financial stress and lack of fun • How past trauma and family loss continue to influence their spending habits • The challenge of transitioning from a "hoarder's mentality" to enjoying their money • Their vision for a Rich Life that includes travel and personal well-being • Ramit’s advice to ban the word "need" from their financial vocabulary ⏩ CHAPTERS (00:00:00) Introduction (00:03:08) Why they struggle to spend money (00:06:08) The impact of past health scares (00:14:00) What it means to be "frozen" (00:16:32) The origins of their frugal mindset (00:33:51) The shock of their true income (00:40:00) Rebuilding financial foundations (00:46:08) Mikaela's childhood and money lessons (00:52:19) The profound impact of family loss (01:06:00) Building an amazing relationship with money (01:14:38) How to get help from Ramit (01:16:40) Reimagining the concept of "need" (01:19:15) The value of Mikaela's time (01:27:00) The invisible labor in financial planning (01:31:00) Ramit's challenge for Dave to initiate fun spending (01:35:10) Setting boundaries for family finances (01:37:00) Defining their rich life together (01:44:30) Ramit's parting advice This episode is brought to you by: Facet | As of the date of this recording, Facet is waiving the enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to facet.com/ramit to learn more about which membership option is best for you. Offer has been extended to 12/31/2026. #FacetAd Fabric by Gerber Life | Join the thousands of parents who trust Fabric to protect their family. Apply today in just minutes at https://meetfabric.com/ramit Wildgrain | Get $30 off the first box — PLUS free Croissants for life — at https://wildgrain.com/ramit Wispr Flow | Try Wispr Flow for free at wisprflow.ai/ramit Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTubeHave you or your partner fallen for a scam? Maybe gotten bad financial advice from someone who didn't keep their promises? If so, I want to talk. Apply to be on my podcast at https://iwt.com/apply
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    1 hr and 46 mins
  • 258. "We had $900K. Now we’re $100K in debt"

    258. "We had $900K. Now we’re $100K in debt"
    Apr 28 2026
    Ramit Sethi of I Will Teach You To Be Rich talks to Kristina and Erin, a married couple who have been together for 10 years, raising two children in Toronto. They make good money, but they have no system for their finances, which has led to years of avoidance. They've accumulated $106K in debt and have only two weeks of savings. While Erin, the "stable one," has a full-time job, Kristina’s entrepreneurial journey has been marked by wildly inconsistent income, including a $50K loss on NFTs. They both admit they don’t trust each other or themselves with money. Ramit helps them confront their fears, redefine their relationship with money, and finally start working as a team. In this episode we uncover: • How Kristina lost $50K in NFTs • Why Erin struggles with "spending with emotion" • The cultural component of their Catholic guilt around money • How their childhood experiences influence their money habits • Kristina's fear that her income won't last • The surprising truth about their combined income • Why they avoid tracking their spending • Their identity as "coach collectors" who avoid real change • Ramit's "60-second truth-telling" exercise • Why they need to be aligned as partners to achieve their goals • The true cost of credit card debt • Why their "guilt-free" spending is holding them back • Ramit's radical advice on cutting fixed costs • How they can quickly pay off their debt Chapters: (00:00:00) Introduction (00:02:40) Feeling stupid about money (00:05:23) Unspoken financial conversations (00:08:44) Fear that money won't last (00:09:25) Lack of trust around money (00:15:16) Emotional spending and guilt (00:19:55) The surprising truth about their net worth (00:22:52) The impact of high fixed costs (00:27:00) "We work too hard to feel like we don’t have anything" (00:30:45) Why past coaching failed (00:34:54) Childhood money lessons and scarcity (00:41:46) The impact of Catholic guilt (00:49:30) Goals for debt and savings (00:54:30) Ramit's 60-second truth-telling (00:58:33) Fixing the Conscious Spending Plan (01:07:07) Aligning on a Rich Life together (01:17:35) How Kristina and Erin are going to get on the same page (01:21:40) Why they're afraid to talk about money with their kids This episode is brought to you by: DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit LMNT | Get a free LMNT Sample Pack with any order at https://drinklmnt.com/RAMIT Superhuman Mail | Turn your inbox into momentum. Sign up at https://superhuman.com/podcast. Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Have you or your partner fallen for a scam? Maybe gotten bad financial advice from someone who didn't keep their promises? If so, I want to talk. Apply to be on my podcast at https://iwt.com/apply
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    1 hr and 34 mins
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Most relevant
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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This couple are so loving and such a team, the committment shown to their family is beautiful.

😊🤗☺🤗😊

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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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