Ramit Sethi

speaker

19,541 appearances 16 recordings 1 series first heard May 2026 last heard 1 Sep

Ramit Sethi’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 16 in all, peaking in Jun 2026 with 5.

newest first · ▶ plays the moment

Savings, $3,500. podcast-host

Remember, they have a baby. podcast-host

And debt twenty thousand three hundred and twenty six dollars, total debt worth nine thousand six hundred and seventy four. podcast-host

Fixed costs are at 87% right there. podcast-host

That explains how they likely feel about their money, feeling trapped, feeling overwhelmed. podcast-host

Investments at zero, savings at zero, and guilt-free spending at 13%. podcast-host

There's something important that I need to flag for today's conversation. podcast-host

There's no magic wand that is going to make us be able to go back in time and change their financial situation twenty years ago. podcast-host

Here we are. podcast-host

These are the numbers, it's gonna be a tough discussion. podcast-host

So I want you to prepare for that because there are no secret shortcuts to what's about to happen. podcast-host

So to answer the question that I first asked you, is it too late? podcast-host

Of course not. podcast-host

You can always make changes with your money and with your life. podcast-host

But sometimes when you are making jointly $100,000 with very little in savings and a new baby. podcast-host

It's pretty hard. podcast-host

We just have tough decisions that we're gonna have to make. podcast-host

Let's take a look at what happens. podcast-host

Let's meet Shelby and Calvin. podcast-host

Shelby, you applied to speak to me, right? podcast-host

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