Money For Couples with Ramit Sethi

159. “How can we raise 3 kids if she only makes $15k?”

04 Jun 2024

Contributed by Lukas

Caleb and Alex are both 27. They have one young child and foster two sisters, both of whom they intend to adopt soon. As children themselves, Caleb an...

158. “We have $2M, why can’t we retire?” (Part 2)

28 May 2024

Contributed by Lukas

Rob and Adrienne are nearing retirement but worried about having enough. In Part 2, we dig into their Conscious Spending Plan to reveal a massively su...

157. “We spent $80,000 more than we made last year” (Part 1)

21 May 2024

Contributed by Lukas

Adrienne and Rob are 59 and 62, and they are overcome with worry over whether or not they’ve amassed enough wealth to live comfortably, and apply Ri...

156. "We have 2 kids, 3 cars...but only 1 month of savings" (Part 2)

14 May 2024

Contributed by Lukas

In the second half of this live-recorded conversation with Paul and Morgan, 37 and 33, we dig deeper into their Conscious Spending Plan to uncover thr...

155. “We have $22k in cc debt—but I want to renovate the house” (Part 1)

07 May 2024

Contributed by Lukas

Paul and Morgan, 37 and 33, find themselves in a painful loop of arguments and unchecked spending, putting the future of their young family at risk. W...

154. “We’re drowning in debt, but I drive a BMW”

30 Apr 2024

Contributed by Lukas

Kevin and Michelle, 32 and 30, joined me live in New York City earlier this year for our very first in-person interview. They have one young child and...

153. “We’re married. Why do I have to ask him for money?”

23 Apr 2024

Contributed by Lukas

Allison is 36 and Dan, 37. They’re married with two kids living in a HCOL mountain town—a market variable that’s influenced them to sell her con...

152. “The world is going to end. So why bother investing?”

16 Apr 2024

Contributed by Lukas

Fernando and Anushka, 30 and 31, live in San Diego and earn high incomes—matching $135,000 salaries, in fact. They have healthy investment and savin...

151. “Our gas is about to get shut off, but I refuse to sell any of my 7 cars”

09 Apr 2024

Contributed by Lukas

Peter and Megan, 36 and 37, are married with no kids but severe financial stress threatens their future together. Peter has grown to resent Megan’s ...

150. “We’re broke, but I spend $350/mo on clothes” (Part 2)

02 Apr 2024

Contributed by Lukas

In part two with Elizabeth and Jonathan, 36 and 38, we continue unpacking their complicated personal backgrounds with money as they relate to current ...

149. “We have no savings but bought our kid a $500 toy for Christmas” (Part 1)

26 Mar 2024

Contributed by Lukas

Elizabeth and Jonathan are in their mid-thirties, have been married for 13 years, and share a young daughter. They bought a starter home after getting...

148. “We have 2 kids and $0 invested, but refuse to get 9-5 jobs”

19 Mar 2024

Contributed by Lukas

Callie and Travis, 36 and 39, have two kids and live in southern Texas near the ocean. They’ve made a conscious decision to run their own small busi...

147. “I don’t trust him with money, so I check his cc accounts”

12 Mar 2024

Contributed by Lukas

Ashley and Christopher, 30 and 28, recently got engaged and look forward to planning a wedding, having kids, etc. But Christoper has lived with credit...

146. “I'm jealous when I see friends' vacations on Instagram”

05 Mar 2024

Contributed by Lukas

Erik is 44 and Andrea is 43. They’re trying to determine what to do with a bump in income. Andrea wants to save for college tuition, because that’...

145. “Am I a bad mom if we can’t do a $7k Disney trip?”

27 Feb 2024

Contributed by Lukas

Kristin is 32 and David is 38. They share five kids in a blended family and David is getting close to military retirement. The problem is their spendi...

144. “We make $245K. Why do I have to ask my wife for dinner money?”

20 Feb 2024

Contributed by Lukas

Brad and Angie, 55 and 56, are each 10 years into a second marriage. With six adult children out of the house, they’re planning to buy an RV and tou...

143. “I maxed out my credit cards on our $45k wedding. Are we broke?”

13 Feb 2024

Contributed by Lukas

Amy and Tori are in their late 20s. They recently got married and honeymooned in Greece, racking up tens of thousands of dollars in credit card debt. ...

142. “We have a $2.3M net worth—but we cut coupons”

06 Feb 2024

Contributed by Lukas

Brian is 56 and Rachel is 51 and they’re both lawyers. She’s lost thousands on a financial advisor and he can’t stop paying his daughter’s ren...

141. “We only have $2k in savings but she can’t stop going to the mall”

30 Jan 2024

Contributed by Lukas

April and Kevin are in their mid thirties with two kids. They’ve been married for twelve years and Kevin recently came across a good book on finance...

140. “He put our $1M into one risky investment. Will we lose it all?” (Part 2)

23 Jan 2024

Contributed by Lukas

Sandra, 46, and Brad, 48, return for Part 2 as we get our hands dirty with their incredible decision to invest $1,000,000—their entire net worth—i...

139. “I’m afraid he’ll leave if I don’t stop stressing about the budget” (Part 1)

16 Jan 2024

Contributed by Lukas

Sandra is 46. Brad is 48. They have four children and are living a high lifestyle as a result of two generational income explosions tied to Brad’s w...

138. “My wife doesn’t want me to take a $720k job offer”

09 Jan 2024

Contributed by Lukas

Mel and Babu are both 33 year-old doctors. Babu’s nearly done with his training, putting a huge decision in front of them about where to live and ho...

137. “MLMs, crypto, real estate—I can’t stop falling for get-rich-quick schemes” (Part 2)

02 Jan 2024

Contributed by Lukas

David, 33, and Halima, 37, return to follow-up on last week’s episode, where we learned about their debt, painful backgrounds, unrealistic expectati...

136. “We have $500k in debt. Can I retire early?” (Part 1)

26 Dec 2023

Contributed by Lukas

David's 33 and Halima's 37. They’re been married for one year, a second union for both. The deep emotional (and financial) scars from those past rel...

135. "It could cost us $50k to have a baby. Can we afford it?"

19 Dec 2023

Contributed by Lukas

Kait is 36 and Em is 35. They’re married and pursuing IVF as a means to expand their family. But a misalignment on money stands in the way of a trul...

134. “I make $24K a year but my truck costs $1,600+ a month” (Part 2)

12 Dec 2023

Contributed by Lukas

Part 2 with Becki and Dustin drops us right back into a contentious conversation about Dustin’s 6-wheeled truck, but his and Becki’s misalignment ...

133. "She has $7k in cc debt—just 3 months after I paid it off for her" (Part 1)

05 Dec 2023

Contributed by Lukas

Becki is 42, Dustin is 36. Becki moved to North Caroline from California two years ago, into Dustin’s house but is feeling disconnected from her fam...

132. “We’re $520k in debt—and he hid it from me”

28 Nov 2023

Contributed by Lukas

Cassandra, 40, and Aldo, 41, discovered Ramit on Netflix—which quickly led to Cassandra discovering the gruesome details of their debt. His goal was...

131. “We’re worth $5.5M but I feel like it doesn’t belong to me”

21 Nov 2023

Contributed by Lukas

Matt is 40 and Ruane is 38. They have two kids and live in Toronto. They’ve done incredibly well for themselves, with an eye-popping net worth of $5...

130. “I don’t trust him with spending. Do we have a future?”

14 Nov 2023

Contributed by Lukas

Alisa is 38 and Jesse is 42; they live in Portland with no kids and have been married for 10 years. Alisa has a growing sense of urgency related to th...

129. “We spend 154% of what we make, but I refuse to get a salary job” (Part 2)

07 Nov 2023

Contributed by Lukas

Following up with Trin and Lucas, both 35, we chip away at an unmanageable fixed-costs percentage and broach Lucas’s unwillingness to seek salaried ...

128. “We have $285k in debt. Can we achieve financial freedom in 5 years?” (Part 1)

31 Oct 2023

Contributed by Lukas

Trin and Lucas are 35 with two kids. They’re bleeding money but they don’t know why, or how to fix it. Lucas is an extreme entrepreneur, leading t...

127. “Our financial advisor almost cost us $800k. How do we fire them?”

24 Oct 2023

Contributed by Lukas

Jeff is 50, he’s a specialized surgeon. Susan is 48, she stays at home with their two kids. Their discretionary spending has grown over the years, b...

126. “We have $30k of CC debt. Why did we buy a $10k timeshare?” (Part 2)

17 Oct 2023

Contributed by Lukas

It’s time to get tactical in this energetic follow-up episode with Cristina and Ron. Building on their story, we unpack their three most glaring mon...

125. “He’s so afraid of money he can’t log into his own bank account” (Part 1)

10 Oct 2023

Contributed by Lukas

Meet Cristina and Ron. Cristina's 30, Ron is 45, and they've been married for four years. Cristina wonders why she's the one managing money in their r...

124. “We make $113,500. Why do we feel poor?”

03 Oct 2023

Contributed by Lukas

Bebe and Paul are 37 and 40. They have two young kids and in the last few years, they have moved about ten times for various family reasons. They’re...

123. Ramit’s travel tips, real estate FOMO, and talking to kids about money

26 Sep 2023

Contributed by Lukas

This is a special solo episode where I answer questions from members of my Money Coaching program. In today’s episode: My favorite services that I u...

122. “I shouldn’t have to ask for $20 to get McDonalds for the kids”

19 Sep 2023

Contributed by Lukas

Doni and Cacey are 30 and 40 years old with three very young kids. Doni’s struggled with credit card debt in the past, putting pressure on Cacey to ...

121. “He wasn’t supposed to have student loans. Now he has $157k.”

12 Sep 2023

Contributed by Lukas

Alana and Sam, 37 and 36, have two kids and $157,000 in student loans—loans which his mother assured would be paid. They haven’t been. Instead, th...

120. “We have 3 kids, $1k saved, $0 invested. Is it too late for us?”

05 Sep 2023

Contributed by Lukas

Ana is 31 and Gabriel is 29. They have three young kids and will be celebrating their tenth wedding anniversary soon. This episode deals with addictio...

119. “He’s not ready for marriage. So why did we buy a house together?”

29 Aug 2023

Contributed by Lukas

Candace and Brad are 31 and 33. They’ve been together for five years—buying a home together after just one year of dating. Candace is ready for a ...

118. “Before kids, I made $20k/month. Now he wants me to be a housewife” (Part 2)

22 Aug 2023

Contributed by Lukas

In part two of my conversation with Kara and Drake, we continue to peel back the layers of gender roles and lost identity which came to the surface la...

117. “He earned $17k last month—but it's not enough” (Part 1)

15 Aug 2023

Contributed by Lukas

Kara and Drake are 38 and 37 with two infant children. Kara used to earn as much as $20k in a month, but has pulled back on work since becoming a moth...

116. “She manages the money. I ignore it. What’s the problem?”

08 Aug 2023

Contributed by Lukas

Carrie and Taylor are both 33, unmarried with no kids, earning good incomes in the Nashville area. Their CSP checks out—Carrie does a great job mana...

115. “We’ve fought about money for 29 years. Is it time for divorce?”

01 Aug 2023

Contributed by Lukas

Kevin and Ebony are both 52. They have two kids, both young adults, and have turned their attention to retirement planning. But standing in the way ar...

114. “Why did we spend $40K on trips we can't afford?”

25 Jul 2023

Contributed by Lukas

Emily and John are in their mid 30s, living in Boston with their 2 year old son. Both coming from blue collar backgrounds, they’ve successfully brok...

113. “I feel like the parent in our marriage. And I hate it”

18 Jul 2023

Contributed by Lukas

Nicole and Matt, 41 and 37, have weathered deaths in the family, a battle with alcoholism, and career difficulties to finally be on the right track an...

112. “I pretend I want to change. But I refuse to do anything different”

11 Jul 2023

Contributed by Lukas

This conversation with Mike and Kate brings a completely new, and shocking, outcome to the podcast. They’re 29 and 32, with some massive life change...

111. “We rushed into buying a $730K house. Now I can’t sleep at night”

04 Jul 2023

Contributed by Lukas

Jonathan and Shalom are young, 31 and 27, married for 5 years and getting used to a big addition to their lives—a rushed home purchase in the Pacifi...

110. “My boyfriend doesn’t care about money. Will I ever feel secure?”

27 Jun 2023

Contributed by Lukas

Jake and Hannah bring a younger perspective to the podcast today. 26 and 31 respectively, they find themselves in different seasons of life—especial...

109. Where Are They Now? Netflix Reunion with Donnell and Monique

22 Jun 2023

Contributed by Lukas

In this special limited series, we’re following up with couples from my Netflix show, How To Get Rich. Tune in to hear what’s new, what isn’t, a...

108. “We achieved FIRE with $4.3M. Why can’t we enjoy it?”

20 Jun 2023

Contributed by Lukas

Mindy and Carl are in their early 50s with two teenage children and a successful track record flipping real estate that’s helped them build a $4.3M ...

107. Guilt-free travel: How to plan, save, and spend on amazing vacations

15 Jun 2023

Contributed by Lukas

Jack and Christina were a perfect example of how not to travel—racking up credit card debt, booking late on a whim, and without emotional buy-in fro...

106. “I’m about to make $300k but we might have to live in our car”

13 Jun 2023

Contributed by Lukas

Jack and Christina are 33, both born in Russia. With two young kids, they’re looking ahead to number three and to buying a home. But they have $0 sa...

105. What’s the point of tracking every penny?: Ramit’s 3 Lessons from Ep 104

08 Jun 2023

Contributed by Lukas

Don’t miss Tuesday’s episode with Stacey and Jesse—where we uncovered severe imbalances in their relationship dynamic. Today, Ramit breaks down ...

104. “We’re worth $1.25M, so why is he afraid to get a $15 gym membership?”

06 Jun 2023

Contributed by Lukas

Stacey is 37 and Jesse is 38. They’ve been together for 18 years, married for 11. They started with nothing, but now they make $238,000 a year. Thei...

103. It’s time to cut off your son: Ramit’s 3 Lessons from Ep 102

01 Jun 2023

Contributed by Lukas

Today marks our first ever reaction episode, where Ramit breaks down each Tuesday’s conversation to give IWT listeners a deep dive on specific tacti...

102. “If he doesn’t stop supporting our 31-year old son, we won’t be able to retire”

30 May 2023

Contributed by Lukas

Janis and Michael have been married for 39 years. They share two adult children; the first is a therapist that recommended coming on the podcast. The ...

101. Where Are They Now? Netflix Reunion with Millie and Christian

25 May 2023

Contributed by Lukas

In this special limited series, we’re following up with couples from my Netflix show, How To Get Rich. Tune in to hear what’s new, what isn’t, a...

100. 100th Episode Special: Top 5 Can’t-Miss Moments

23 May 2023

Contributed by Lukas

Celebrating 100 episodes of the I Will Teach You To Be Rich Podcast, we look and listen back to five of Ramit’s favorite can’t miss episodes cover...

99. Where Are They Now? Netflix Reunion with Drew

18 May 2023

Contributed by Lukas

In this special limited series, we’re following up with couples from my Netflix show, How To Get Rich. Tune in to hear what’s new, what isn’t, a...

98. “We make $280,000. Why does he keep shooting down my dreams?”

16 May 2023

Contributed by Lukas

Sarah and Charlie are in their mid 30s living in Mexico City. They are foodies who love to travel, married for 5 years and earning in the top 1% for t...

97. Where Are They Now? Netflix Reunion with Frank

11 May 2023

Contributed by Lukas

In this special limited series, we’re following up with couples from my Netflix show, How To Get Rich. Tune in to hear what’s new, what isn’t, a...

96. “We have $4,600 in credit card debt but we spend $600/month on GrubHub”

09 May 2023

Contributed by Lukas

Jennifer and Andrew are in their 30s with 2 kids. They have been married for 11 years, but they speak different languages when it comes to money, deep...

95. Where Are They Now? Netflix Reunion with Nathalie

04 May 2023

Contributed by Lukas

In this special limited series, we’re following up with couples from my Netflix show, How To Get Rich. Tune in to hear what’s new, what isn’t, a...

94. “We paid off all our debt. Why do I still feel so guilty about money?”

02 May 2023

Contributed by Lukas

Kate is 28 and Christine is 33. They’re married, living in the Detroit area with their nine-month old son. They’ve paid off credit card debt, sold...

93. Where Are They Now? Netflix Reunion with Amani and Matt

27 Apr 2023

Contributed by Lukas

In this special limited series, we’re following up with couples from my Netflix show, How To Get Rich. Tune in to hear what’s new, what isn’t, a...

92. “I make $33,000/month. He makes $3,500. When is he going to step it up?” (Part 2)

25 Apr 2023

Contributed by Lukas

Nicole and Jorden, 30 and 34, return for Part 2, where we unpack the deep emotional wounds caused by their lack of clear and honest communication abou...

91. “I helped pay off his $30k+ credit card debt and he didn’t even care” (Part 1)

18 Apr 2023

Contributed by Lukas

Nicole and Jorden are in their 30s and have been dating for four years. Nicole recently graduated from college, jumping into an orthodontics career st...

90. How do I stop feeling guilty about money? Ramit answers your questions

11 Apr 2023

Contributed by Lukas

This is a special solo episode where I answer questions from members of my Money Coaching program. In today’s episode: How to stop feeling guilty ab...

89. “He won’t marry me until I pay off my $15,000 credit card debt”

04 Apr 2023

Contributed by Lukas

DJ and Adam, 37 and 33, have been dating for 3 years but DJ’s debt stands in the way of their potential marriage, as dictated by Adam, who’s been ...

88. “We own 7 properties. Why can't we pay for groceries?”

28 Mar 2023

Contributed by Lukas

Natalie and Travis are in their 40s, living in SoCal with their four kids. Travis is a career military man, imprinting him with some pretty understand...

87. “We’re in $400,000 of debt, but we can’t say no to our kids”

21 Mar 2023

Contributed by Lukas

Kenna and Ryan are 36 and 45. Up until recently, Ryan worked and Kenna stayed home with their kids. Now, with that earning dynamic flipped, they’re ...

86. “I make $450,000/year from YouTube. My husband is ashamed he can’t match my success”

14 Mar 2023

Contributed by Lukas

Darby and Kirsty, 27 and 25, are professional YouTubers. While Kirsty’s art tutorial channel explodes in profitability, Darby’s efforts lag behind...

85. “I thought she was going to die, so we spent all our money. Now we’re broke”

07 Mar 2023

Contributed by Lukas

Asha and Matt are in their mid 30s. They bring a totally unique situation to the show today. A few years ago, Asha needed a second open-heart surgery—...

84. “We spend 98% of what we make—but we refuse to change our lifestyle”

28 Feb 2023

Contributed by Lukas

Kristine is 32 and Thomas is 35. They’re raising three children in the Midwest. They love their jobs, are happy with their incomes, and just upgrade...

83. “I grew up on food stamps. At 24, I’m about to get paid $215,000 per year”

21 Feb 2023

Contributed by Lukas

Megan and Nyles are in their twenties and on a great trajectory with their money. She graduates from law school this year—sending her income from $0...

82. “I’m in $20,000 of debt and she pays for everything. What’s the problem?”

14 Feb 2023

Contributed by Lukas

Melody and David are 39 and 45. They manage a picturesque multi-unit property which creates a unique money dynamic. David works as the property manage...

81. “We’re broke—but $55,000 private school tuition is a non-negotiable” (Part 2)

07 Feb 2023

Contributed by Lukas

In part two of our revealing conversation with Sarah and Kevin, we offer solutions for their serious debt accumulation problem and grapple with the ha...

80. “If I add any more to our $50,000 credit card debt, he will ask for a divorce” (Part 1)

31 Jan 2023

Contributed by Lukas

Sarah and Kevin are 38 and 42. They sold their home to pay off $130k in debt, only to dig themselves another $55k hole, six months later. Sarah is wor...

79. “We’re worth $700,000+ but my wife took away my credit card”

24 Jan 2023

Contributed by Lukas

Kirsten and Jon are both 34, raising two young boys in Canada. Kirsten, an engineer, is all about problems and solutions, going as far as "parenting" ...

78. “I pretend things are fine, but we’re 2 months from going bankrupt”

17 Jan 2023

Contributed by Lukas

Alex and Courtney are in their 30s. They live in Southern California and come from completely different money backgrounds. Their numbers reveal a star...

77. “We have $6.3 million. Why can’t we take a vacation?”

10 Jan 2023

Contributed by Lukas

Tommy is 60 and he’s run his own business for more than 30 years. He loves his work and doesn’t plan to stop. Caroline, his wife, is 56 and is ret...

76. Who should pay on a date? Money, dating & dealbreakers with Matthew Hussey

03 Jan 2023

Contributed by Lukas

World-renowned dating and relationship expert, Matthew Hussey, sits with Ramit for an honest and wide-ranging one-on-one conversation on love, money, ...

75. “We 4x'd our salary as COVID nurses. The experience haunts us. So does the money”

27 Dec 2022

Contributed by Lukas

Jenee and Dan are 31 and 34. They've been married for three years and they're travel nurses, moving from city to city to alleviate workforce pressures...

74. “I’m $450k in debt but she still wants me to treat her to dinner” (Part Two)

20 Dec 2022

Contributed by Lukas

We pick up part two of Serena and Nate’s conversation with an equity problem—a serious one, and one they didn’t realize they had. Serena earns c...

73. “I earn almost twice as much as my fiancé, but I make him split the rent” (Part One)

13 Dec 2022

Contributed by Lukas

Nate and Serena are in their late 20s. They are engaged and live together, but a vast difference in their incomes creates an awkward dynamic when it c...

72. Answering questions about recessions, marrying the right person, and firing a financial advisor

06 Dec 2022

Contributed by Lukas

This is a special solo episode where I answer questions from members of my Money Coaching program. In today’s episode: How to handle a recession, ho...

71. "We finally talked about money. I can't believe how little he's saved"

29 Nov 2022

Contributed by Lukas

Emily and Alex are in their mid-30s and have been dating for two years. They recently had a discussion about money and Emily was disappointed to learn...

70. “My husband thinks savings for our kids’ education is a waste of money”

22 Nov 2022

Contributed by Lukas

Amy wants to put money away for their kids’ college funds. She’s shocked when her husband, Gaby, says no -- and that “the kids can figure it out...

69. “We make almost $300k per year but we can’t afford our mortgage”

15 Nov 2022

Contributed by Lukas

Chris and Camilla are 33 and 31 and they make almost $300k collectively living in a high cost of living area. They recently bought a vacation home, li...

68. “I just learned he took out a secret $100,000 loan—two years ago”

08 Nov 2022

Contributed by Lukas

Jan and Emily are in their thirties and recently bought a house. During the sales process, Emily discovered a $100k loan that Jan had taken out withou...

67. “We spend $3,000/month on groceries for our 5 kids, and it’s ruining us”

01 Nov 2022

Contributed by Lukas

Jim and Kasey are 45 and 41 with 5 young kids. They’ve been married for 18 years. But they admit that they don’t even know how they’ve made it t...

66. “I’m marrying him in 1 month—but our finances are terrifying me”

25 Oct 2022

Contributed by Lukas

Beth and John are worth about $800k combined. They came to me a month before their wedding—in fact, by the time this goes live, they’re husband an...

65. “I make $200k/month. He makes $2k. Who pays for dates?” (Part 2)

18 Oct 2022

Contributed by Lukas

Connie and Wes have severe gender expectations. Connie desperately wants Wes to be the “man” in the relationship and pay for dinner. But when he t...

64. “My boyfriend is perfect… except he’s broke” (Part 1)

11 Oct 2022

Contributed by Lukas

Connie and Wes have been dating for a year—but they have some very serious issues with how they see money, both individually and as a couple. The st...

63. “How to stop feeling guilty about money—no matter your income”

04 Oct 2022

Contributed by Lukas

After talking to 60+ couples, Ramit reveals the #1 money issue that people deal with: feeling guilty. From what you heard as a child about money… to...

62. “Why are we waiting for payday if we make $140k?”

27 Sep 2022

Contributed by Lukas

Amy and Andre are 42 and 34 respectively. They make $140k a year, but they admit they’re often waiting for payday. They’re buried in debt and can’...

61. “I am going to die in 5 years. Should I quit my job?” (Part 2)

20 Sep 2022

Contributed by Lukas

In part two of Tom and Julie’s conversation, they start to see their reality for what it is—Julie may not have long to live, but she’s still wor...

60. “My health is in question, but I don’t want to stop making money” (Part 1)

13 Sep 2022

Contributed by Lukas

Today’s conversation will shock you—point blank. Tom and Julie are in their early fifties and have two school-aged kids. Both are savvy with their...