Money For Couples with Ramit Sethi

Ramit Sethi
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Apr 19, 2022 • 1h 12min

39. “She waited until we were engaged to reveal $100k of student loan debt”

Alex and Nicole are getting married this summer and plan to start a family in a few years. That much, they know. How they’ll get there is another question.Nicole doesn’t want to deal with finances—she prefers to ignore it. Alex, on the other hand, is in the position of having to handle finances on her own for the both of them. Naturally, that leads to stress and resentment.Delegating financial responsibility in a relationship rarely works. Money affects both partners so much that it inevitably creates an unhealthy power dynamic. Let’s see if we can get Nicole and Alex to approach money like a true partnership so they can both step up to the responsibilities—and joy—of living a Rich Life.Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin 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.
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Apr 12, 2022 • 1h 12min

38. “He owes his ex $70k/year and it’s straining our finances and our relationship”

Rebecca and John are both attorneys and make good money. While John makes more, he’s legally obligated to pay around $70k annually in alimony and insurance tied to a past divorce settlement. On top of that, his income can vary widely, making the future difficult to plan for—and he has debt. He’s 61 but sees no way he can retire any time soon. They’re dealing with not only the very real financial problems they face but also the resentment caused by them. That resentment colors every interaction they have with money.When I start digging into where the rest of their income goes, they start to get a little dodgy. We’re going to shine a light on some of their spending habits and find a path that lets them live a Rich Life without the stress.Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin 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.
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9 snips
Apr 5, 2022 • 1h 6min

37. “My love language is spending money I don’t have”

Money can be a way of showing love, but what happens when you’re spending money you don’t have? Does spending any less mean you love the people in your life any less? It seems simple, sometimes it’s not.Meet Jessica and Javier. She’s tried to help him with his financial literacy, but Javier only knows how to show love through spending. Unfortunately, his love is bigger than his paycheck. Not only that, he’s admittedly ignorant of how credit works. He relies on magical money thinking and is unrealistic about what it’s going to take to pay it off.We’re going to get to the root of Javier’s relationship with money and show him what’s ultimately at stake here—everything. It’s one thing to realize you’re making bad financial decisions, it’s another to turn the page on everything you know to be true about yourself. Let’s get into it.Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin 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.
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Mar 29, 2022 • 1h 5min

36. “We make $145k per year but have $828k in debt — and feel totally paralyzed”

Sarah and Nat are physical therapists that are making things too hard for themselves. The enormous cost of education coupled with relatively low pay has left them burdened with debt that colors every decision they make—including whether or not to have more children.They’ve spent ten years worrying about it but are still without a decent plan. I want to help them discover what it would look like to live a Rich Life, with or without debt, and I lead this episode in that direction.But when I walk them right up to their solution, it leads to another, more important, question… Do they even want to change? Tune in to find out.Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin 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.
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10 snips
Mar 22, 2022 • 58min

35. “If we can’t stop fighting about money, we’re going to break up”

Ashley and Josh have come to a stark conclusion: That if they can’t manage to find some common ground in their financial struggles, their relationship has no future. They both earn roughly the same amount of money. Besides this huge roadblock, they see a path to marriage and children.But they can’t come to an agreement about who pays for date night. Even worse, individually, neither of them has a solid plan for tackling their own debt.Josh drives a, you guessed it, truck he can’t afford. Ashley leases a Mercedes. Both acknowledge the massive strain that having debt places on them and their relationship, and yet they do nothing about it. Are they willing to make the lifestyle changes necessary to turn their financial future around? Let’s find out.Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin 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.
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12 snips
Mar 15, 2022 • 56min

34. “It’s unromantic if my boyfriend doesn’t pay for date night”

Ashley and Josh both have high incomes but they find themselves arguing about who pays for what. Like a few past guests, Ashley thinks certain things are the man’s responsibility to pay for, but Josh wants a partnership. He feels like her spending is more out of obligation than true togetherness.These unspoken expectations are toxic. They’re eating away at what they both like about being together, and they need to be addressed right away.We all have internal beliefs and expectations around money, and they have deep roots. Let’s do some digging with Ashley and Josh to see what we can uncover. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin 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.
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Mar 8, 2022 • 41min

33. “We’re in debt, but I don’t want to make her go back to the corporate world”

Martin and Arly feel suffocated by mounting interest on their debt and are jaded by the corporate world. Martin earns $125,000, but Arly is selling essential oils in a network marketing business (read: SCAM!). With $300 coming in every month, this venture is going nowhere very quickly. The solution seems painstakingly obvious, but their internal narrative is shortcutting their logic. I’m going to need to spell it out to them. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin 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.
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Mar 1, 2022 • 55min

32. “We just got married, but I’m scared to combine our income and debts”

Today is part two with John + Lindsey, and progress on finding a solution that sticks for the couple is slow. Listen to how John gets riled up with rage and resentment when I ask him simple questions. I don’t think he gets it. We need a dramatic solution to pull him through this mess.  Will getting into the weeds help them interact on the same page again? Or will his past cloud John and Lindsey’s future forever?Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin 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.
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7 snips
Feb 22, 2022 • 1h 7min

31. “Shopping at Target is like visiting a casino to me”

Lindsey and John are stuck. Despite earning a joint income of $150,000, John’s debt is crippling their relationship and financial future. They respond by self-soothing. John runs on auto-pilot avoidance strategies and refuses to get honest about his situation. Lindsey distracts herself with mindless spending sprees at Target. But neither are working together on a sustainable solution. It’s time to get honest. Lindsey and John are unsophisticated with their income and spending. If they want to become confident with money, they must become competent first. That means no more excuses for inaction. Let’s see what that looks like for Lindsey and John. Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin 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.
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Feb 15, 2022 • 44min

30. “I want to change—but can I keep the truck?”

It’s time to create a plan of action for Brad and Becca’s unsophisticated spending habits that we learned about in part one.I want to get them away from the gimmicks of monthly payments and immediate gratification, and instead push them to carve out a Rich Life vision that goes beyond getting to zero debt. There will be resistance. The question is, will Brad be willing to lean into it, even if it’s uncomfortable to hear?Connect with Ramit Website Instagram Twitter Facebook YouTube Linkedin 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.

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