Money For Couples with Ramit Sethi

Courtney and Ray face the exciting yet daunting shift from military life to civilian life after two decades. They discuss the emotional challenges tied to career changes and financial planning while raising three kids. Conversations about redefining what a 'rich life' means for them emphasize personal values over mere financial security. They highlight the importance of open communication in finances, tackling goals together rather than optimizing solely for retirement. Travel aspirations add an enriching twist, as they weigh experiences against financial stability.

Anna (33) and Will (37) are married with two kids, including a young son who was born with a serious heart condition. Between unexpected medical expenses, emotional stress, and inconsistent financial planning, their savings have steadily drained—and now, they're spending more than they earn just to keep up. Will brushes off concerns, saying “We’re fine,” while Anna feels like she’s the only one confronting reality. Now, they want to build a home and create long-term security for their family—but until they can get aligned, that dream may be out of reach. This episode is brought to you by: Aura Frames | Use promo code RAMIT to get $35 off the best-selling Carver Mat frames at https://auraframes.com Facet | For Money for Couples listeners who enroll with Facet, they will waive the $250 enrollment fee for new annual members and they’ll add $500 into your brokerage account when you invest and maintain $5000 in the first 90 days of membership for Core, Plus and Complete members (promo does not apply to Foundations members). Check out their membership options at https://facet.com/ramit Notion | Try Notion for free at https://notion.com/ramit and experience the powerful, easy-to-use Notion AI today. Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today. Links mentioned in this episode • Order my new book: Money for Couples Connect with Ramit • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Jennifer (37) and Steve (41) have been dating for over five years, but they’ve never spent more than $100 on a shared purchase. Jennifer is a self-made business owner with a clear vision for the future, while Steve is cautious, financially conservative, and still haunted by a turbulent past that included losing both parents and living out of his car. Despite a solid income and nearly $200,000 in savings, Steve can’t shake the fear of financial collapse. Jennifer, meanwhile, is growing resentful. She wants a partner who dreams big and makes bold moves with her—not someone who second-guesses a $10 purchase. Can they confront the past, align on a shared vision for their future, and finally start acting like teammates? This episode is brought to you by: ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today. Superhuman | Get a free month of lightning fast email at https://superhuman.com/ramit. Aura Frames | Use promo code RAMIT to get $35 off the best-selling Carver Mat frames at https://auraframes.com. Fabric by Gerber Life | Join the thousands of parents who trust Fabric to protect their family. Apply today in just minutes at https://meetfabric.com/ramit. Next Level Wardrobe | Take their free styling quiz and elevate your style at https://nextlevelwardrobe.com/ramit. Links mentioned in this episode • Order my new book: Money for Couples Connect with Ramit • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.

Lisa and Marcus navigate a complex financial relationship, with Lisa yearning for rich experiences while Marcus avoids money talks due to anxiety. Their differing attitudes create tension as they raise four kids, prompting discussions on effective communication about finances. They explore childhood influences on their money perceptions and how these shape their current struggles. The couple seeks to transform their financial story, emphasizing vulnerability and collaboration to foster healthier discussions and teach their children about money.

Katie and Robin grapple with the implications of their different incomes, leading to discussions about fairness in financial responsibilities. As Robin invests significantly while Katie hides her spending, trust issues emerge. They explore the emotional toll of financial secrecy and how it affects their relationship. The conversation shifts to the potential need for a prenup and Katie's future after grad school. Ultimately, they aim to find a balance that fosters transparency, generosity, and a shared financial vision.

Emma and Dave, a high-income couple, grapple with $50K in debt and deep-seated trust issues over money. They embody a 'chaser/avoider' dynamic, complicating their financial planning. The discussion delves into emotional challenges, the impact of childhood experiences on financial beliefs, and the urgent need for openness. Listeners learn how to navigate financial decisions collaboratively while addressing personal accountability. The episode emphasizes the importance of aligning values with financial goals to foster healthier relationships.

In New York City, three couples tackle the financial ups and downs of their relationships. A young couple prepares for marriage while navigating homeownership and financial talks. Another couple grapples with income disparities and emotional challenges tied to money. They delve into luxury spending habits, revealing motivations behind purchasing lavish items like suits. Throughout, they emphasize the importance of communication and understanding, unearthing deeper emotional connections to wealth and self-worth.

Shannon, a risk-averse partner exploring money psychology in her marriage, joins the conversation with her husband Wilson. They discuss their conflicting financial strategies—Shannon's concern over their existing $129K debt against Wilson's urge to invest by leveraging their home equity. The couple dives into the emotional baggage tied to their contrasting views, shaped by childhood experiences and cultural backgrounds. They emphasize the necessity of open communication and collaboration in navigating finances, aiming to find harmony in their financial journey.

In this engaging discussion, couples share their financial struggles and triumphs. One pair grapples with impulsive home-buying decisions while facing wedding plans, revealing the importance of aligning values. Another couple navigates the balance of saving and spending, as one partner surprises the other with financial realities post-honeymoon. The show highlights the necessity of transparency and teamwork in managing debt and financial aspirations, emphasizing how open communication can transform relationships and financial futures.

Juan and Amber confront their financial struggles after prioritizing travel over investing. With Juan's scarcity mindset and Amber's concerns about their income, they explore merging finances. The conversation dives into the importance of discussing money early in relationships, and how childhood experiences shape adult financial habits. They reflect on their different spending attitudes, the need for financial discipline, and strategies to boost income while maintaining personal values. Can they align their money mindsets and work towards their Rich Life?