The Long View

Ramit Sethi: ‘We Have to Make Money Fun and Connective’

Mar 4, 2025
Guest
Ramit Sethi
Ramit Sethi, a personal finance expert and bestselling author, shares insights on fostering healthier financial discussions in relationships. He emphasizes the importance of aligning on key financial numbers and practicing open communication to prevent conflict. Discussing the evolution of income dynamics, Ramit highlights the need for modern couples to balance individuality with joint finances while avoiding financial infidelity. His strategies aim to transform money conversations into enriching experiences, ensuring couples can navigate their financial futures together.
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ANECDOTE

Ramit's Money Conversation Journey

  • Ramit Sethi shares how he initially violated his own advice by not sharing his financial details with his then-girlfriend.
  • They later had deeper money conversations, signed a prenup, and even sought therapy to navigate challenges.
INSIGHT

Four Money Talks Couples Have

  • Couples only have four major, substantive money talks in a relationship: buying a house, job loss, kids, and retirement.
  • Despite money being a top worry, most couples rarely discuss finances in detail or with real numbers.
ADVICE

Conduct Positive Money Talks

  • Initiate a positive money conversation by admitting past faults and expressing a desire for change.
  • Share feelings about money, envision desired emotions, and schedule the next money talk, ending with connection rather than conflict.
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