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    Business

    Money For Couples with Ramit Sethi

    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.

    Advertise

    Copyright: © Copyright 2021-2024 I Will Teach You To Be Rich

    • Apple Podcasts
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    Latest Episodes:
    222. “My husband is my 4th child. Will he ever help?” Aug 19, 2025
    Show notes

    Fernanda (44) and Jorge (48) have been married for nearly 25 years, raising three children, including one with lifelong special needs. Despite earning $130,000 a year, they consistently spend more than they make, and only have $300 in savings.

    Fernanda juggles multiple jobs and manages every detail of their finances, a responsibility that has left her physically ill from stress. Jorge works nights and picks up odd jobs, but avoids financial planning and defers almost everything to Fernanda. Fernanda dreams of a stable, less exhausting life where she and Jorge are true financial partners.

    Can Ramit help them confront old patterns, create a sustainable system, and secure a future for their family—especially their son’s lifelong care?

    In this episode we uncover:

    Why Fernanda says she’s “physically ill” from the stress of managing their money alone.

    How Jorge’s laid-back optimism turns into financial avoidance—and leaves Fernanda carrying the full weight.

    The $13,000 air purifier scam—and what it reveals about their spending habits.

    How Fernanda’s history of homelessness and working from age 13 shaped her need for control.

    Why Jorge, who didn’t work until 25, still struggles to engage with financial decisions.

    The emotional toll of raising three children, including one with lifelong special needs, while buried in $350,000 of debt.

    What happens when Fernanda tries to share her complicated spreadsheets with Jorge—and why it never works.

    Ramit’s challenge for Jorge to take concrete steps toward shared ownership of their finances.

    Fernanda’s vision of a stable, less exhausting life—and the boundaries she’ll need to set to get there.

    Chapters:

    (00:00:00) “If nothing changes, I’ll end up in the hospital”

    (00:19:41) “It feels like impending doom”

    (00:24:18) “It pisses me off that money could break us”

    (00:37:32) Ramit breaks down their numbers

    (00:58:08) “It’s a joke in the family that I have four kids”

    (01:15:59) “I want a partner, not just a paycheck”

    (01:20:40) Red alert: only $311 in savings

    (01:35:29) Where are they now? Fernie and Jorge’s follow-ups

    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 #sponsored

    Wildgrain | Get $30 off your first box—PLUS free croissants in every box at https://wildgrain.com/ramit.

    Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 10% off plus free shipping.

    Upwork | Visit https://upwork.com to post your job for free and connect with top talent ready to help your business grow.

    Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist.

    Links mentioned in this episode

    • Get my Free Money Made Easy Mini Course at https://iwt.com/moneypod

    Connect with Ramit

    • Get my new book, Money For Couples

    • Get Money Coaching with Ramit

    • Download the Conscious Spending Plan

    • Listen to my book—now on Audible

    • Get my New York Times best-selling book

    • Get my no-numbers journal

    • Other episodes

    • Instagram

    • Twitter

    • YouTube

    If you 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.


    221. “I’m almost 40 and still living paycheck to paycheck” Aug 12, 2025
    Show notes

    Romy (38) and Travis (37) are a married couple living in Cape Town—but despite earning over $130,000 a year, they’re constantly running on empty. Romy feels the crushing weight of managing everything alone, while Travis avoids financial planning and insists things will “just work out.” Together, they’ve repeated the exact same dynamic Romy grew up with—right down to the hidden savings and anxious sleepless nights. Can they stop playing financial whack-a-mole and finally build a system that supports their future dreams, or will history keep repeating itself?

    In this episode we uncover:

    • Why Travis believes he can always “go fishing” to make money—and how that mindset creates instability.

    • How growing up with financial chaos shaped both of their attitudes toward money and planning.

    • The emotional weight Romy carries by being the only one thinking about the future.

    • Romy’s secret UK savings account—why she kept it hidden, and what happened to the money.

    • Their chaotic approach to buying property—and why they can’t clearly say if it’s for living or investing.

    • How disorganized thinking shows up in everything from taxes to tipping the valet.

    • The truth about their emergency fund (or lack thereof)—and the very real risks they face.

    • Why Travis’s role as the “reassurer” actually prevents change—and how Romy feels trapped by it.

    • How Ramit challenges Travis to redefine generosity without spending money.

    • The first steps they take toward rebuilding trust and creating a shared financial system.

    I’m casting couples right now for a new season of this podcast. If you’ve been wanting to get my advice on your situation, this is the last chance to talk to me in 2025. Apply now at iwt.com/apply

    Chapters:

    (00:00:00) “I tapped my card and it said insufficient funds”

    (00:09:23) “I’m living the same financial life as my parents”

    (00:18:13) Ramit breaks down their numbers

    (00:38:14) The weight of taking on the “man’s” role

    (00:52:48) “I’ve been poor before—I’ll be poor again”

    (01:02:08) Living on hope, not numbers

    (01:12:05) “We’re doing this together” — building a new financial identity

    (01:28:56) Where are they now? Romy and Travis’s follow-ups

    This episode is brought to you by:

    Doola | Go to https://doola.com/ramit and use code RAMIT for 10% off LLC formation and bookkeeping.

    Facet | Facet is waiving their $250 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 https://facet.com/ramit to learn more about which membership option is best for you.

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

    Rocket Money | Cancel unwanted subscriptions and manage your expenses the easy way at https://rocketmoney.com/ramit.

    LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. Get yours at https://drinklmnt.com/RAMIT.

    Links mentioned in this episode

    • Get tickets for my next live events—September 14 in Atlanta and September 26 in Los Angeles—at iwt.com/events

    Connect with Ramit

    • Get my new book, Money For Couples

    • Get Money Coaching with Ramit

    • Download the Conscious Spending Plan

    • Listen to my book—now on Audible

    • Get my New York Times best-selling book

    • Get my no-numbers journal

    • Other episodes

    • Instagram

    • Twitter

    • YouTube

    If you 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.


    220. “I carry the baby, the bills, and the stress” Aug 05, 2025
    Show notes

    Monica (36) and Michael (33) have been married just over a year and are navigating the pressures of new parenthood—but Monica feels like she’s doing it alone. She pays the rent, covers childcare, and works a demanding job, while Michael juggles three jobs and carries shame about his income and past financial mistakes—including an eviction he never told her about.

    Despite a recent 50% salary increase, Michael didn’t share the news, reinforcing Monica’s sense that she’s carrying the emotional and financial load. Can Ramit help them rebuild trust, communicate transparently, and step into a true financial partnership?

    In this episode we uncover:

    • Michael’s quiet shame about earning less

    • How an eviction early in their relationship shattered Monica’s trust

    • The $95K salary increase Michael never told her about

    • Why Michael’s “Swiss Army knife” mentality is sabotaging their relationship

    • What Monica really means when she says she wants a financial partner

    • Why transparency is still a major hurdle

    • The emotional gap in their relationship, and how it’s showing up in everything from birthday celebrations to debt payoff plans

    • What finally shifts when Michael shares his debt-free timeline

    Chapters:

    (00:00:00) “I feel like a leech”

    (00:18:28) Ramit breaks down their numbers

    (00:25:56) “I got a 50% raise…and didn’t tell her”

    (00:33:24) Why she’s always the last to know about his money

    (00:42:59) The secret that shattered her trust early on

    (00:46:26) He paid off half his debt—but still struggles to celebrate it

    (01:00:03) Torn between faith and financial goals

    (01:04:38) When earning more still isn’t enough

    (01:26:25) Are they finally rowing in the same direction?

    (01:35:17) Where are they now? Monica and Michael’s follow-ups

    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.

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

    Factor | Get 50% off plus free shipping on your first box at https://factormeals.com/ramit50OFF with code RAMIT50OFF

    Netsuite | Download the free e-book 'Navigating Global Trade: Three Insights for Leaders' at https://netsuite.com/ramit

    OpenPhone | Get 20% off your first 6 months at https://openphone.com/ramit

    Links mentioned in this episode

    • Get tickets for my next live events—September 14 in Atlanta and September 26 in Los Angeles—at iwt.com/events

    Connect with Ramit

    • Get my new book, Money For Couples

    • Get Money Coaching with Ramit

    • Download the Conscious Spending Plan

    • Listen to my book—now on Audible

    • Get my New York Times best-selling book

    • Get my no-numbers journal

    • Other episodes

    • Instagram

    • Twitter

    • YouTube

    If you 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.


    219. “He’s so cheap it’s killing our joy” Jul 29, 2025
    Show notes

    Angela (52) and Brian (52) have been together since they were teenagers and have raised four kids.

    Now as they approach being empty nesters, they’re stuck in a sitcom-style standoff: Angela loves bargain shopping and dreams of traveling the world, but Brian clings to a decades-old belief that they need $1 million to retire and panics over every pantry purchase. Their net worth proves that they’re actually financially stable—but Brian can’t shake the fear of not having enough.

    Can Ramit help them rewrite their roles, align on what retirement really looks like, and find connection beyond coupons and control?

    In this episode we uncover:

    • Why Angela believes they’re ready to retire—and why Brian is convinced they’re still broke.

    • The decades-old advice Brian can’t shake—and how it’s been quietly dictating their entire financial life.

    • The performance dynamic they’ve fallen into—and how it’s masking deeper emotional needs.

    • The stark difference in how they define a “Rich Life”—and what’s missing from both visions.

    • How Angela uses frugality to feel responsible—and the cost of that invisible labor.

    • The moment Brian saw their actual net worth, and why it didn’t change how he feels.

    • What happens when couples keep score with their sacrifices—and how it erodes connection.

    • How fear of losing control is stopping Brian from building the life he actually wants.

    Chapters:

    (00:00:00) “I’ve been chasing that number since I was 18”

    (00:04:11) The emotional cost of saying no to everything

    (00:19:08) Ramit breaks down their numbers

    (00:29:21) “Why do we need eight jars of peanut butter?”

    (00:40:57) Trapped in the “justifier” and “decider” roles

    (00:50:34) Frugal lives, empty spaces

    (00:58:01) “I think we’ve just kind of… drifted”

    (01:06:04) How much is enough to retire—and what would make us feel safe?

    (01:18:42) Where are they now? Angela and Brian’s follow-ups

    This episode is brought to you by:

    LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. Get yours at https://drinklmnt.com/RAMIT

    Leesa | Go to https://leesa.com for 25% off sitewide PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners.

    Upwork | Visit https://upwork.com/save to get a $200 credit to put towards your next freelancer to help grow your business.

    Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit

    Facet | Facet is waiving their $250 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 https://facet.com/ramit to learn more about which membership option is best for you.

    Links mentioned in this episode

    • Get tickets for my next live events—September 14 in Atlanta and September 26 in Los Angeles—at iwt.com/events

    Connect with Ramit

    • Get my new book, Money For Couples

    • Get Money Coaching with Ramit

    • Download the Conscious Spending Plan

    • Listen to my book—now on Audible

    • Get my New York Times best-selling book

    • Get my no-numbers journal

    • Other episodes

    • Instagram

    • Twitter

    • YouTube

    If you 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.


    218. “Our childcare costs are about to quadruple. Are we screwed?” (Part 2) Jul 22, 2025
    Show notes

    Last week, we met Dominique (33) and Chris (34)—a couple earning $180K a year, raising a toddler, and still living paycheck to paycheck. Dominique felt alone in managing their finances, while Chris stayed disengaged, assuming things were fine.

    In Part One, we uncovered the cracks: a lack of communication, zero long-term planning, and growing resentment. Now, as their childcare costs are about to quadruple, will they be able to move past survival mode and start working as a team? Will Chris finally step up—and can Dominique let go of overthinking and accept support?

    In this episode we uncover:

    • How their expensive Arizona house became a symbol of both pride and financial strain.

    • The quiet resentment Dominique feels when Chris is out of work—and why she kept it to herself.

    • A surprising disconnect around how much they contribute—and who’s really paying more.

    • Ramit’s reality check about going month to month on a six-figure income.

    • Why Dominique’s overthinking makes her feel in control—but leaves them stuck in place.

    • The false sense of security that’s masking a dangerous truth: They have just two months of savings.

    • The emotional cost of living reactively—and what it will take for them to finally plan ahead.

    Chapters:

    (00:00:00) “My friend sold it to me…” — the truth about whole life insurance

    (00:09:05) Investing, saving… or just surviving?

    (00:14:58) Problem-oriented vs. solution-oriented

    (00:22:11) Ramit breaks down their numbers

    (00:26:14) He’s living for his son—but what about himself?

    (00:38:32) What if selling your house meant losing money?

    (00:43:13) “I thought I’d be co-parenting by now”

    (00:52:38) Dominique & Chris 2.0: Confident. Open. Together.

    (01:03:30) Where are they now? Dominique and Chris’s follow-ups

    This episode is brought to you by:

    Rocket Money | Cancel unwanted subscriptions and manage your expenses the easy way at 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.

    Facet | Facet is waiving their $250 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 https://facet.com/ramit to learn more about which membership option is best for you.

    Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist.

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

    Connect with Ramit

    • Get my new book, Money For Couples

    • Get Money Coaching with Ramit

    • Download the Conscious Spending Plan

    • Listen to my book—now on Audible

    • Get my New York Times best-selling book

    • Get my no-numbers journal

    • Other episodes

    • Instagram

    • Twitter

    • YouTube

    If you 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.


    217. “Are we broke…or just bad with money? (Part 1) Jul 15, 2025
    Show notes

    Dominique (33) and Chris (34) have been together for six years, engaged for two, and share a two-year-old son. While Dominique manages parenting, full-time work, and their finances, Chris shuts down when money comes up—and has no plan for what’s next. With rising childcare costs, growing debt, and a second home draining up to $2,000/month, their finances are on the brink. Dominique has paused their wedding plans—and admits she’s considering co-parenting alone. Can Ramit help them build a future together before it’s too late?

    In this episode we uncover:

    • The emotional burden Dominique carries as the default parent, planner, and financial lead

    • How Chris’s we’ll-figure-it-out mindset undermines Dominique’s trust and long-term planning

    • The real reason their wedding is on pause—and why Dominique’s preparing for life on her own

    • Chris’s internal conflict: overwhelmed by adulthood, uncertain how to change

    • How avoiding money conversations became the deepest fracture in their relationship

    • What happens when one partner is growing—and the other is standing still

    • Ramit’s challenge to both: take action now, or risk losing everything

    Chapters:

    (00:00:00) “At this rate, we’ll be co-parenting next year”

    (00:06:52) Can I actually afford a new vehicle?

    (00:20:46) Ramit breaks down their numbers

    (00:30:43) “We make $180K—but we still feel broke”

    (00:46:45) Uncovering their REAL spending habits

    (00:55:59) The money messages they’re passing on without realizing it

    (01:18:29) “We’ll figure it out”—reacting vs. being proactive

    (01:23:26) What we’ll uncover next week

    This episode is brought to you by:

    OpenPhone | Get 20% off your first 6 months at https://openphone.com/ramit.

    Notion | Try Notion for free at https://notion.com/ramit and experience the powerful, easy-to-use Notion AI today.

    Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 10% off plus free shipping.

    Rocket Money | Cancel unwanted subscriptions and manage your expenses the easy way at https://rocketmoney.com/ramit.

    LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. Get yours at https://drinklmnt.com/RAMIT.

    Links mentioned in this episode

    • If you've been waiting for "the right time" to start your business, join me on Monday, July 21, at 8pm ET / 5pm PT to learn how to start a business in just one hour. Reserve your seat at iwt.com/earnmore.

    • Should you buy or rent? Get my 3-step guide to buying a house at iwt.com/house.

    Connect with Ramit

    • Get my new book, Money For Couples

    • Get Money Coaching with Ramit

    • Download the Conscious Spending Plan

    • Listen to my book—now on Audible

    • Get my New York Times best-selling book

    • Get my no-numbers journal

    • Other episodes

    • Instagram

    • Twitter

    • YouTube

    If you 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.


    216. I track every penny. He gambles. Should I marry him? Jul 08, 2025
    Show notes

    Taylor (29) is a high-earning dentist with a strict savings plan and deep-rooted fears about financial instability. Hayden (25) earns $24K a year, has a history of gambling and financial dishonesty, and struggles with budgeting. They live together, but their vastly different money philosophies leave Taylor questioning whether marriage is possible. With trust issues, income imbalance, and emotional baggage on both sides, can they find common ground—or is it time to walk away?

    In this episode we uncover:

    • Taylor’s strict financial boundaries—and why Hayden feels constantly judged by them

    • The real reason Hayden hides purchases (and what it’s costing their relationship)

    • Why Taylor resents being the financial provider, and how it’s creating a growing power imbalance

    • A candid conversation about Hayden’s past gambling—and whether trust can be rebuilt

    • How their radically different upbringings shaped two completely opposing money mindsets

    • The unspoken tension around engagement—and what’s holding Taylor back from proposing

    • Taylor’s biggest fear: ending up broke and alone

    • Hayden opens up about insecurity, dependence, and feeling “less than”

    • What they really want from each other—and why neither feels safe enough to ask

    Chapters:

    (00:00:00) “He gets to do whatever he wants with his money”

    (00:07:22) Ramit breaks down their numbers

    (00:20:58) “Why have all that money if you don’t plan to spend it?”

    (00:28:27) How childhood trauma shaped their views on money, control, and survival

    (00:37:44) A secret $35K loss—and the fallout that nearly ended everything

    (00:49:15) “Most of what I do with money is to get her off my back”

    (01:01:12) Is change still real if it’s only for someone else?

    (01:03:56) A new plan, a new mindset—but will it stick?

    (01:13:36) Where are they now? Taylor and Hayden’s follow-ups

    This episode is brought to you by:

    Upwork | Visit https://upwork.com to post your job for free and connect with top talent ready to help your business grow.

    Facet | Facet is waiving their $250 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 https://facet.com/ramit to learn more about which membership option is best for you.

    Netsuite | Download the free e-book 'Navigating Global Trade: Three Insights for Leaders' at https://netsuite.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.

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

    Links mentioned in this episode

    • Get my 4 simple rules for talking with your partner about money

    Connect with Ramit

    • Get my new book, Money For Couples

    • Get Money Coaching with Ramit

    • Download the Conscious Spending Plan

    • Listen to my book—now on Audible

    • Get my New York Times best-selling book

    • Get my no-numbers journal

    • Other episodes

    • Instagram

    • Twitter

    • YouTube

    If you 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.


    215. “He wants a house, I don’t want to go bankrupt.” Jul 01, 2025
    Show notes

    Athena (31) and Arie (30) are newly married and dreaming of buying a home, starting a family, and traveling the world. But their finances—and philosophies—don’t align. Athena’s upbringing was defined by instability and strict religious messaging around money; Arie’s was middle-class and frugal. Now, they're realizing that love alone isn’t enough—they need a shared plan. Can Ramit help them define their values, shift their dynamic, and start building a future as true partners?

    In this episode we uncover:

    • The subtle financial tension that’s been building—and how it’s showing up in everything from gift-giving to debt.

    • Why Arie is laser-focused on buying a home, while Athena worries about losing her freedom.

    • The real reason Athena keeps her finances separate—and how her upbringing shaped that decision.

    • How Arie’s savings mindset clashes with Athena’s more flexible approach to money.

    • A surprising admission about holiday spending.

    • What it really means to feel “safe” with money.

    • The power struggle hiding beneath their shared bank account.

    • How financial shame from childhood still influences their present-day relationship.

    • Their unspoken fears—and how Ramit pushes them to define their shared Rich Life.

    Chapters:

    (00:00:00) “It’s a dream”—but what if your partner doesn’t share it?

    (00:08:30) They don’t fight—but is that actually the problem?

    (00:21:19) “I don’t know if I can say yes if I have debt”

    (00:24:44) Ramit breaks down their numbers

    (00:37:36) Dreaming big while avoiding the details

    (00:45:32) “What kind of person doesn’t own a house?”

    (00:55:33) The moral script keeping Athena stuck

    (01:14:39) “If you want something for yourself, you’re greedy”

    (01:22:57) Getting honest about a future they can’t afford

    (01:33:15) Where are they now? Athena and Arie’s follow-ups

    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/ramit for 20% off.

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    Links mentioned in this episode

    • Get Ramit’s 3 Step Guide to Buying a House

    Connect with Ramit

    • Get my new book, Money For Couples

    • Get Money Coaching with Ramit

    • Download the Conscious Spending Plan

    • Listen to my book—now on Audible

    • Get my New York Times best-selling book

    • Get my no-numbers journal

    • Other episodes

    • Instagram

    • Twitter

    • YouTube

    If you 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.


    214. “I’m 45 but my parents still control my money” Jun 24, 2025
    Show notes

    Kate and Keith have spent years afraid to spend—until now. In Part 2 of this conversation, Ramit investigates the $5 million missing from Kate’s trust fund and uncovers decades of poor returns, excessive fees, and emotional avoidance.

    As the truth comes out, Ramit challenges them to rewrite the money scripts that have shaped their lives: Kate’s shame around wealth, Keith’s fear of being seen as dependent, and the confusing messages they’ve inherited about what money should mean.

    They imagine a future with travel, community, and purpose, if they can confront this question: What’s the point of having money if you never use it?

    This episode is brought to you by:

    Facet | Facet is waiving their $250 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 https://facet.com/ramit to learn more about which membership option is best for you.

    Ramit Sethi is not a member of Facet, and has an incentive to endorse Facet as he has an ongoing fee based contract for cash compensation based on this endorsement. All opinions are his own and not a guarantee of a similar outcome.

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    Links mentioned in this episode

    • Get detailed breakdowns of my readers' spending every Saturday in my newsletter at iwt.com/podcastnewsletter

    • Order my new book: Money for Couples

    Connect with Ramit

    • Get Money Coaching with Ramit

    • Download the Conscious Spending Plan

    • Listen to my book—now on Audible

    • Get my New York Times best-selling book

    • Get my no-numbers journal

    • Other episodes

    • Instagram

    • Twitter

    • YouTube

    If you 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.


    213. “We have a $1M trust - but a $30k budget” (Part 1) Jun 17, 2025
    Show notes

    Kate (45) and Keith (53) split their time between Maine and Hawaii, living what looks like a dream life.

    They’ve inherited wealth, run two small businesses, and have nearly $2 million in net worth. But with only $30,000 in annual income, they live in fear of spending—and cover their shortfall by dipping into savings.

    Kate, recovering from long COVID, handles the finances but feels unworthy of her money. Keith, who once filed for bankruptcy, avoids money conversations entirely and worries he’ll be seen as a freeloader. Their roles are clear—one over-responsible, one disengaged—and their financial anxiety keeps them stuck.

    They say they want to travel, be generous, and enjoy their Rich Life. But, how do you build a Rich Life when you’ve been taught to feel ashamed of the money you have?

    This episode is brought to you by:

    Facet | Facet is waiving their $250 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 https://facet.com/ramit to learn more about which membership option is best for you.

    Ramit Sethi is not a member of Facet, and has an incentive to endorse Facet as he has an ongoing fee based contract for cash compensation based on this endorsement. All opinions are his own and not a guarantee of a similar outcome.

    Notion | Try Notion for free at https://notion.com/ramit and experience the powerful, easy-to-use Notion AI today.

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

    Links mentioned in this episode

    • Get detailed breakdowns of my readers' spending every Saturday in my newsletter at iwt.com/podcastnewsletter

    • Order my new book: Money for Couples

    Connect with Ramit

    • Get Money Coaching with Ramit

    • Download the Conscious Spending Plan

    • Listen to my book—now on Audible

    • Get my New York Times best-selling book

    • Get my no-numbers journal

    • Other episodes

    • Instagram

    • Twitter

    • YouTube

    If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here.


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