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.

Afleveringen

284. "We’re worth $1.8M, but I feel guilty buying a $78 jacket”

27 oktober 2026 · 1 uur 44 min
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Ramit digs into why a couple worth $1.8 million and earning around $818,000 a year still struggle to feel financially secure, even when it comes to buying a $78 jacket. Lees meer

Ramit Sethi of I Will Teach You to Be Rich talks with Laura and Jason, both 38, who have built significant wealth and are considering retiring in their early 40s. Jason believes they can stop working soon, but Laura isn't convinced. Despite their financial success, she worries about what could go wrong and struggles to imagine life without a regular paycheck.

For Laura, spending money has always been difficult. She once became physically sick when buying her first car, and even small purchases leave her questioning whether she's being irresponsible. After her parents lost their home in 2008, she's never quite shaken by the fear that everything could fall apart. As Ramit explores their finances and walks them through three possible retirement scenarios, Laura has an emotional breakthrough. But even if the numbers say they can retire, will she ever feel comfortable enough to actually do it?A special thanks to Facet for sponsoring this episode. As of the date of this recording, Facet is waiving their enrollment fee for new annual members, and for Ramit’s 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

Facet is a SEC registered investment advisor. Ramit 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.

And as always, thank you to our partners at Monarch. Try Monarch for free today, and get 50% off your first year of Monarch’s core tier at https://monarch.com/ramit, promo code RAMIT. When you sign up with my link only, you’ll get …
Inside the Secret World of Ultra-Wealthy Vacations

22 oktober 2026 · 32 min
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What does a $400,000 family vacation actually look like, and what could possibly make a hotel villa worth $15,000 a night? Ramit goes behind the scenes with luxury travel advisor Hao Tang to uncover the secret world of luxury vacations that most people never get to experience.Chapters:00:00 Introduction00:57 What Does a $400,000 Vacation Get You?03:11 The VIP Hotel Experience Nobody Sees05:24 Inside a $15,000 a Night Villa07:17 Private Chefs Who Make Anything You Want13:10 The Butlers Who Take Care of Everything21:15 The $60,000 Vacation Disaster25:06 Spending $300,000 for $1 Million in TravelThis episode is brought to you by:Gelt | Gelt is taking on new clients now. Find out if you qualify at https://joingelt.com/ramitRamit Sethi is the host of Netflix’s “How To Get Rich” and New York Times bestselling author of “I Will Teach You To Be Rich” and “Money For Couples”Come to me next live event: Lees meer

Virtual and In-Person Events: https://iwt.com/events

Connect with Ramit:

Instagram: https://www.instagram.com/ramit

X: https://twitter.com/ramit

Connect with Hao:

Check out Hao's business, Besvisor: https://www.besvisor.com/

Follow Hao to see behind the scenes of ultra-luxury hotels: https://www.instagram.com/besvisor
283. “We have 3 kids and live paycheck to paycheck. Are we screwed?”

20 oktober 2026 · 1 uur 34 min
Afspelen

Ramit digs into how years of impulse spending, money avoidance, and unequal financial responsibility have left a couple earning around $178,000 a year with $186,000 in debt and just $571 in savings. Lees meer

Ramit Sethi talks with Michelle and Jeff, both 45, who have three children and are approaching 20 years of marriage. They’re earning more than ever, but still living paycheck to paycheck, with fixed costs consuming 87% of their take-home pay. Michelle feels responsible for making everything work, while Jeff admits that avoiding the numbers helps him avoid worrying about money and leaves her carrying the burden.

A closer look at their spending reveals a $76,000 car purchase, buy-now-pay-later spending, and more than $9,000 spent eating out reveal how their everyday decisions keep them stuck. The conversation reaches a turning point when he asks them to step away and decide whether they’re both ready to commit to change. Together, they explore the childhood experiences behind their money habits and begin building shared rules, a spending plan, and a different financial future for their family.

A special thanks to our new partners at Monarch for sponsoring this episode. Try Monarch for free today, and get 50% off your first year of Monarch’s core tier at https://monarch.com/ramit, promo code RAMIT. When you sign up with my link only, you’ll get your Monarch account customized with my exact CSP categories so you can see exactly how you’re stacking up to your plan each month. That’s https://monarch.com/ramit, promo code RAMIT.

In this episode, we uncover:

Why earning around $178,000 a year hasn’t stopped Michelle and Jeff from living paycheck to paycheck

How Michelle became responsible for managing the money and deciding which bills could wait

Why Jeff avoids the numbers, even while acknowledging the pressure it puts on Michelle

What $186,000 in debt, $571 in savings, and 87% fixed costs mean for their family

How a $76,000 car purchase left them with a roughly $1,00…
282. "We spend 154% of what we make. Will we ever stop drowning?"

13 oktober 2026 · 1 uur 54 min
Afspelen

Ramit digs into how years of overspending, money avoidance, and relying on future income have left a couple with more than $428,000 in debt, no savings, and a financial life they can no longer sustain. Lees meer

Ramit Sethi of I Will Teach You to Be Rich talks with Addison, 39, and James, 43, who earn around $138,000 a year but have $0 in savings and fixed costs consuming a staggering 154% of their take-home pay. Addison feels responsible for keeping their finances afloat, while James admits he's spent years relying on optimism and money he expects to earn in the future.

As Ramit digs deeper, it becomes clear they are both contributing to the problem through restaurants, concerts, Ubers, shopping, and pet spending that has reached thousands in a single month. He helps them uncover the childhood money patterns behind their behavior, confront what they can actually afford, and make some of the biggest lifestyle changes attempted on the show all in an effort to stop living on future money and build a financial life they can actually sustain.

A special thanks to our new partners at Monarch for sponsoring this episode. Try Monarch for free today, and get 50% off your first year of Monarch’s core tier at https://monarch.com/ramit, promo code RAMIT. When you sign up with my link only, you’ll get your Monarch account customized with my exact CSP categories so you can see exactly how you’re stacking up to your plan each month. That’s https://monarch.com/ramit, promo code RAMIT.

In this episode, we uncover:

Why Addison says they may divorce if their relationship with money doesn’t change

How more than $428K of debt, $0 savings, and 154% fixed costs have left them financially exposed

Why James admits he has been “betting on money that’s not there yet”

How Addison became the financial safety net while increasingly feeling like a caretaker

Why restaurants, concerts, Ubers, shopping, and convenience spending became part of their everyday life

How they planned to spend more than …
281. "We have 4 kids and nearly $1M in debt. Are we screwed?”

6 oktober 2026 · 1 uur 55 min
Afspelen

Ramit unpacks what happens when inconsistent income, mounting debt, and years of avoiding difficult money conversations leave a couple in their 40s feeling like they’re running out of options. Lees meer

Ramit Sethi of I Will Teach You to Be Rich talks with Rebecca and Matthew, who have been married for 16 years and have four children. They earn around $185,000 a year, but their income is unpredictable, their fixed costs are at 84%, and they have just $1,000 in savings and $45,000 invested. They also have more than $633,000 in debt plus another $350,000 in law school loans that could bring their total debt close to $1 million.

Their biggest challenge isn’t simply learning how to budget. Rebecca feels constantly in the dark about when they’ll get paid and where their money is going, while Matthew avoids difficult conversations and tries to solve financial problems on his own. Ramit helps them confront the chaser-avoider dynamic they’ve repeated for years, why borrowing money and moving cash between accounts has never solved the underlying problem, and whether Matthew may need to walk away from his business and choose a stable income to protect their family’s future.

A special thanks to our new partners at Monarch for sponsoring this episode. Try Monarch for free today, and get 50% off your first year of Monarch’s core tier at monarch.com/ramit, promo code RAMIT. When you sign up with my link only, you’ll get your Monarch account customized with my exact CSP categories so you can see exactly how you’re stacking up to your plan each month. That’s monarch.com/ramit, promo code RAMIT.

In this episode, we uncover:

How inconsistent income has made it almost impossible for them to plan their finances

Why Rebecca says their financial situation feels “hopeless”

How their money system keeps them overspending, borrowing, and blaming each other

Why their $633K of debt could actually be closer to $1 million

How Matthew’s $350K law school debt has doubled since graduation

Why 84% …
280. "We have $11M in assets. Why are we still living month to month?"

29 september 2026 · 2 uur 1 min
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Ramit unpacks what happens when a couple earns more than $1 million a year but still feels like they’re living month to month, and how a lifestyle built around family, community, and tradition can become almost impossible to afford. Lees meer

Ramit Sethi of I Will Teach You to Be Rich talks with Margo and Kevin, 42 and 52, who live in Brooklyn with their five children. They take home around $600,000 a year and have approximately $11 million in assets, yet only around $50,000 in savings. Once Ramit uncovers expenses missing from their original plan, including private school tuition and summer camps, their fixed costs climb above 100% of their take-home pay, revealing that they’re spending more than they make every month.

Their biggest challenge isn’t simply earning more money. Kevin has taken on most of the finances while Margo has had limited visibility into their overall financial picture, and neither of them has a clear picture of where their money is actually going. Ramit helps them confront how community norms and family traditions shape what they see as non-negotiable, and the difficult choices they may need to make around private school, their homes, their children, and the lifestyle they’ve built.

In this episode, we uncover:

How a couple earning over $1 million a year can still live month to month

Why they describe themselves as “rich poor people”

How missing expenses push their fixed costs above 100% of their take-home pay

Why $160K in tuition and camps completely changes their financial picture

How a $400K–$500K mold crisis wiped out much of their financial cushion

Why they have $11 million in assets but only around $50K in savings

Why Kevin manages most of the money while Margo has limited visibility into their finances

How childhood money lessons shaped their “earn more, spend more” cycle

How community and tradition shape their spending

Why they may need to make major changes to their homes, education costs, and spending to finally start saving and i…
279. “He lost his $150k job, but I make every decision - can we fix this?”

22 september 2026 · 2 uur 15 min
Afspelen

Ramit unpacks how to manage money as a couple after a job loss and what happens when one partner carries most of the financial responsibility while the other starts stepping back. Lees meer

Ramit Sethi of I Will Teach You to Be Rich talks with Isabelle and Ryan, 37 and 40, who have been married for 12 years and have a four-year-old daughter. After Ryan was laid off from his $150,000 software engineering job, Isabelle became the sole earner. They have around $1.2 million in assets and an $800,000 net worth, but two mortgages and fixed costs at 83% of their income have left them trying to figure out how to manage their money on one income.

Their biggest challenge isn’t simply how to budget or save money. Isabelle manages most of their financial planning and decision-making, while Ryan struggles with money anxiety, guilt around spending, and feeling shut down when he tries to get involved. Ramit helps them understand how childhood scarcity shaped their relationship with money, how to communicate about finances without falling into a parent-child dynamic, and how reducing their fixed expenses could give them more freedom to actually enjoy the money they’ve built.

In this episode, we uncover:

How to manage money as a couple after a job loss

How to budget on one income without letting financial anxiety take over

Why Isabelle feels exhausted managing their financial future

Why Ryan feels guilty spending money despite their $800K net worth

How a $3,000 espresso machine exposes his money anxiety

Why their fixed costs have reached 83% of their income

How two mortgages are putting pressure on their monthly budget

How childhood scarcity shaped their relationship with money

Why their dynamic has started to feel like a parent-child relationship

How clear money rules and lower fixed expenses could help them become a team

Chapters:

(00:00) Introduction

(02:00) Why Isabelle feels responsible for their financial future

(04:00) The purchase that exposes Ryan’s money anxiety

(…
278. "We spend 108% of what we make. Are we screwed?"

15 september 2026 · 1 uur 35 min
Afspelen

Ramit unpacks how to stop overspending, take control of your money as a couple, and prepare financially for starting a family. Lees meer

Ramit Sethi of I Will Teach You to Be Rich talks with Grace and Chris, who are 30 and 29 and have been married for six months. They have around $119,500 invested and unusually low housing costs, yet their finances feel chaotic and unstable. They spend more than they make, struggle to understand where the money goes, and have never had a substantive conversation about money as a couple.

The deeper problem is the dynamic they’ve fallen into. Grace handles most of the money while Chris takes a back seat, and both avoid the uncomfortable conversations they know they need to have. With children now part of their near-term plans, Ramit pushes them to confront where their habits came from and what has to change before the stakes get even higher.

In this episode, we uncover:

Why Grace feels like she’s managing their money alone

How Chris’s avoidance keeps the same cycle going

Why “we’ll figure it out later” keeps costing them

How a $100 weekend budget disappeared at a baseball game

Why 108% fixed costs are only part of the problem

How Amazon, eating out, and social spending keep slipping through the cracks

How inheritance, a mortgage-free home, and family support shaped their relationship with money

How their childhoods taught them to avoid talking about money

Why starting a family makes their financial situation more urgent

How they can finally start making financial decisions as a team

Chapters:

(00:00:00) Introduction

(00:02:36) “I’m crying for help on a sinking ship”

(00:16:53) The baseball game that exposes their money dynamic

(00:24:22) Ramit opens up their numbers

(00:40:37) Where their $119K investments came from

(00:47:40) What their childhoods taught them about money

(00:56:46) They’ve never defined their Rich Life

(01:04:04) What happens if nothing changes?

(01:18:32) Can they make the next 15 months work?

(01:31:…
277. "He has $100K of debt. Should I still marry him?"

8 september 2026 · 1 uur 39 min
Afspelen

Ramit unpacks whether Randy can move toward marriage while Mack brings $100,000 of debt into their future together and whether that debt could become a problem they both have to live with. Lees meer

Randy and Mack are in their early 30s, and are talking seriously about marriage. But their financial lives look completely different. Randy has a net worth of around $102,000, while Mack is at roughly negative $56,000, largely because of $100,000 of debt. Randy feels increasingly “handcuffed” by what that debt means for their future, while Mack worries that he has gone from being supported to becoming a problem to solve.

Ramit quickly discovers that the real issue is not simply the debt. Mack already has an aggressive payoff plan that could make him debt-free in under four years. The deeper problem is trust, avoidance, and the way they manage money as a couple. Ramit helps them rethink their 50/50 split, build a more equitable system, and create a plan where Mack takes ownership of his debt while they start making financial decisions as a team.

In this episode, we uncover:

Why Randy feels “handcuffed” by Mack’s financial situation as they discuss marriage

How a couple earning $309,000 ended up with radically different financial lives

How Mack accumulated $100,000 of debt

Why Randy’s fixed costs are 47% while Mack’s are 87%

Why Mack avoids money even though he manages large budgets professionally

How Mack’s debt went from his problem to their problem

Why Ramit thinks Mack’s debt payoff plan is actually a strong one

The hidden trust issue underneath their arguments about money

Why splitting their shared expenses 50/50 no longer works

How they can become debt-free in under four years while still saving, investing, and enjoying life

Chapters:

(00:00:00) Introduction

(00:02:53) Randy feels “handcuffed” by Mack’s debt

(00:23:20) Their numbers reveal a huge financial divide

(00:34:47) How Mack accumulated $100K of debt

(00:43:08) Mack’s debt payoff plan surprises Rami…
276. "I resent carrying our finances. Can we fix this?"

1 september 2026 · 1 uur 42 min
Afspelen

Ramit unpacks how resentment, unequal workloads, and conflicting ideas about money can push a marriage to breaking point, even when the numbers suggest a couple should be doing well. Lees meer

Ramit Sethi of I Will Teach You To Be Rich speaks with Lauren and Robert, a married couple who have spent years building resentment around work, spending, and who carries the financial load. Lauren works three jobs, often 55–60 hours a week, while managing most of their finances. Robert, a retired Navy veteran who once believed retirement meant he wouldn’t need to work again, has recently returned to work.

On paper, they’re doing better than they think, but they have just $24,000 in savings, around $70,000 in debt, fixed costs at 81%, and almost nothing currently being directed toward savings or investments. Along the way, a $700,000 inheritance, a $40,000 pool scam, a $3,200 bounce house, and a $150,000 pool became major sources of conflict.

Lauren believes Robert needs to earn more. Robert feels like his opinion often doesn’t matter because Lauren earns more. But Ramit quickly discovers that more income isn’t going to solve what’s happening between them. Their resentment has reached the point where they’ve talked about divorce. To move forward, they’ll need to stop keeping score, create a shared vision for their money, and learn how to operate as a team.

A special thanks to DeleteMe for sponsoring this episode. Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout.

In this episode, we uncover:

Why Lauren feels like she’s been carrying the financial weight for years

Why Robert believed retirement meant he wouldn’t need to work again

How a $700,000 inheritance shaped the life they built together

Why a second $150,000 pool became a major source of conflict

Why Robert feels like saying “no” rarely changes the outcome

Why Lauren struggles to say no to herself and their children

Why Ramit tells them Robert earning more…

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