Money For Couples with Ramit Sethi
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.
Episodes
Mentioned books
8 snips
Sep 6, 2022 • 57min
59. “98% of our net worth is in real estate. Are we in trouble?”
Georgia and James bring a different problem to the table than we’re used to hearing about. In this one, we zoom in on where, exactly, their net worth has come from… and the real risks of these decisions.Having done well in the real estate market, Georgia and James just closed on a fourth property. The glaring issue is that they’re all located in the same neighborhood, amping up the risk of this investment class quite considerably.Georgia is becoming increasingly anxious in the shadow of this risk, urging a diversification from their overloaded 98% commitment to housing. James is not unwilling to hear the argument, which makes this episode more direct and tactical—I love it. There’s a lot to learn here.The biggest question we can ask in this case: Why are they even doing this? What is the end goal? Their answer paints a clear picture of what they need to do.Connect with Ramit
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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.
Aug 30, 2022 • 59min
58. “If we want to retire, we’d have to live on $36k”
This week’s conversation brings a slightly different perspective to the table. Michelle and Eric are in their fifties and are terrified that they’ve waited too long to invest for retirement. They’ve bickered about money for twenty-five years, narrowing their window of opportunity and adding a ton of personal baggage into the equation.Usually, part of the solution for most people is long-term investing. But with Michelle and Eric, time is not on their side. To complicate things, Michelle is defensive and triggered by even talking about money. She prefers to keep things focused on the math… but it’s much deeper than that.What would you do to overcome the very real hopelessness that many people of their age experience? Let’s see what happens.Connect with Ramit
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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.
11 snips
Aug 23, 2022 • 1h 21min
57. “I feel ashamed about having another child because we’re still renting”
Rebecca and Joe have two young kids, and a third is on the way. They are renting at the moment and love the neighborhood they live in—but they both think they need more space to match their growing family. Should they keep renting? Buy a home? Move in with his parents? Their lease is up soon and the pressure is on (or so they think).To complicate things, we find out that their fixed costs, alone, make up for 105% of their take-home pay. As a refresher, I recommend spending no more than 60% on fixed costs. But they’re spending more than they make every month. Something’s got to give.They feel frustrated. They feel overwhelmed. They feel like failures as parents because they can't provide for their kids. There are many layers to this on both the financial side and the psychological side. Let’s dig in.Connect with Ramit
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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.
6 snips
Aug 16, 2022 • 1h 2min
56. “We have $200,000, but we’re afraid to take a vacation”
Michelle and Dan are in their early thirties, and from the outside, they look like they’re in a great place financially. They make $225,000 annually, and they’ve saved $200,000 already. So, why do they feel so much dread, confusion, and fear about their money?Their philosophy has always been to save as much as possible… so they’re afraid to spend or invest. But they don’t realize how much they’re missing out on, and it’s not just investment returns.Michelle and Dan have thousands of dollars, but they’re afraid to take a vacation. Will they ever feel good about money? They could be living their Rich Life today—but only if they address the real, emotional reasons they’re stuck. Let’s see how they do.Connect with Ramit
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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.
10 snips
Aug 9, 2022 • 45min
55. “My top 5 lessons from one year of interviewing couples about money”
Personal finance can seem complicated, but most issues are linked back to two core influences—how people think and feel about money. Where they land on those scales has a wide range of possible manifestations (skimping on frozen berries, anyone?). One year into the podcast, and a handful of these themes have become very clear. Tune in to this special solo episode as Ramit breaks them down. Check out the free resources below if any of these scenarios sound familiar to you—or you’re just ready to deepen your understanding of money and what it can do for you.Programs & Resources
iwt.com/moneymindset → Money Mindset Mini Course
iwt.com/guiltfree → Conscious Spending Plan
iwt.com/nomorefights → Guide to How to Talk to Your Partner about Money
iwt.com/house → Ramit's 3 step guide to buying a house
iwt.com/therichlife → Rich Life mini course
Connect with Ramit
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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.
Aug 2, 2022 • 54min
54. “We grew up poor—but we could be millionaires” (Part 2)
Last week, in part one of my conversation with Austin and Annie, we got deeply personal about their upbringings and the invisible scripts they picked up as kids. I learned that they were passing bad money habits to their young daughter—continuing a cycle of generational poverty. Today, my goal is to move them out of that cycle by getting tactical with how they can turn things around. They’re young and make plenty of money to be comfortable—even multimillionaires—in their future. But we need to get the calculator out to make them believe it. Tune in as Austin and Annie see how it’s possible to go from generational poverty to generational wealth. Connect with Ramit
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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.
Jul 26, 2022 • 48min
53. “We want to break the cycle of generational poverty, but we don’t know how” (Part 1)
Annie and Austin were both raised without knowing where their next meal would come from. They came to me looking for a way to break the relentless chain of generational poverty that they’ve experienced… and that they fear they’re passing on to their two young children.The good news is that it’s not too late for them, or anyone, to start making the right decisions and move toward a Rich Life they can be proud to pass on. They bring in about $130k a year in a low-cost region, and since they’re only in their twenties, they can expect to make more money as they get further into their careers.Annie and Austin have never been taught about money. So listen in as I meet them where they are: zero savings, $68,000 in debt, and no tools for managing their finances. Stick around next week for part two of this conversation, where we dig into the numbers and present long-term solutions. Connect with Ramit
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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.
5 snips
Jul 19, 2022 • 1h 18min
52. “He hides purchases from me—and I let him”
Lisa and Jeff are in their forties and have a blended household. They had about a $300k net worth before they were awarded a $1.275M settlement in January of this year. What’s important isn’t the details of the settlement, but that they don’t know what to do with it.She doesn’t trust him—and for good reason. He opens lines of credit and makes secret purchases while also refusing to participate in financial planning, leaving Lisa to carry the burden. She’s looking for a teammate, but he’s happy to simply send her his paycheck and make jokes about their toxic dynamic.They’ve invested the windfall in a few places (yes, one of which is a bad financial advisor), but they lack a vision—and the communication to build one. Before they decide what to do with the settlement cash, they need to be honest with themselves, and with one another. That’s where I come in. Let’s see if we can bring some clarity to their situation. Connect with Ramit
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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.
6 snips
Jul 12, 2022 • 1h 25min
51. “We went bankrupt, but I still have no boundaries with money”
Katie and Cal are in their mid-twenties and, after moving around a bit, they live back home in Alaska with their young children. They bring in about $100k a year and have a good chunk of debt, about $25k of that they transferred to Katie’s mom for a better interest rate—a move which has hopelessly entangled her in their finances.What do you do when a family member who means well (they all do) oversteps the line? Listen in to hear how Katie and Cal come to terms with the truth—that her mom’s influence has got to go—and how they might start to enact that very difficult change in their lives.Connect with Ramit
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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
Jul 5, 2022 • 48min
50. “Maybe buying this condo was a mistake” (Part 2)
In part 2 of Elena and Eric’s story, we learn about the deep emotional ties that Elena associates with the condo that’s draining their savings account—and why she’s so anxious about outside opinions in the event they decide to sell it. To recap, they’re 25 and make $160k/year combined. They love to go to music festivals and bought a condo (with a down payment gift from their parents) about seven months ago. “Society” tells them that’s great, so they think they’re doing great.They’re not. Between transaction fees, mortgage, and maintenance, the purchase has bombarded them with phantom costs that require them to spend $2,000 a month from their savings to stay above water. At this rate, they’ll be broke in two years.No amount of cutting back on sushi or music festivals will solve this problem. This one’s all about money psychology. Eric and Elena have some tall emotional hurdles to get over before they can make the right decision and stand confidently in their truth to outsiders. Listen in to see if they can commit to selling their home and living their Rich Life. Connect with Ramit
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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.
