Ramit Sethi

I do think you should have an account that is yours only, but no secrets in a relationship.

That's very small extreme.

The biggest phrase that I get from couples is,

He or she's a spender and I'm a saver.

So it's creating this identity that they're a spender, I'm a saver, or they don't want to talk about money ever.

Why can't I get them to finally sit down with me and get on the same page?

That's a phrase that's tossed around everywhere.

When I ask them, what is getting on the same page?

The answer is, I don't know.

I just want to talk about it.

So when it comes to money, yes, there are the numbers that we need to understand, of course.

But what I often tell people, the way you feel about money is highly uncorrelated to the amount in your bank account.

That is why I speak to so many multimillionaires who still worry about money.

They think if I just have 50,000 more, 500,000 more, $5 million more, well, guess what?

I've had all those folks on my podcast and they still worry about money.

That means there's two things you need to do to master your relationship with money.

One, you got to know your numbers.

This is a language you have to learn the basics of personal finance.

Two, you have to master your money psychology.

That means you need to change the way that you talk about money and behave with money so that you can ultimately change the way you feel about money.