Alex and Courtney are in their 30s. They live in Southern California and come from completely different money backgrounds. Their numbers reveal a stark truth; fixed costs are sinking their finances. They're only months from going bankrupt. Can Courtney come to terms with their reality? 

Links mentioned in this episode

Join the Earnable program

Download the Conscious Spending Plan


Connect with Ramit

Get Money Coaching with Ramit 

Get my New York Times best-selling book

Get my no-numbers journal

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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.

78. “I pretend things are fine, but we’re 2 months from going bankrupt”

Imagine listening in on these raw, unfiltered conversations with real couples… One partner is in $300,000 in debt, but shrugs it off. The other cries at night, anxious about the future. A couple that’s so worried about money, they never feel they’ll have enough. When they eat out, they order chicken instead of steak to save $10. Their household income: $600,000. Two parents who feel overwhelmed by work, kids, and debt. When I ask them how they’d describe their lives, they instantly say the same word: “Stuck.” Ramit Sethi asks the questions we wish we all could ask, presenting a totally different philosophy on money: • Spend extravagantly on the things you love, as long as you cut costs mercilessly on the things you don’t. • Ask $30,000 questions, not $3 questions. • A Rich Life is more than math -- it’s mastering your money psychology. From the author of the bestselling book, ‘I Will Teach You To Be Rich,’ learn how money psychology affects these couples… and how to create your own Rich Life.

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Rob and Adrienne are nearing retirement but worried about having enough. In Part 2, we dig into their Conscious Spending Plan to reveal a massively successful investment strategy that remains shrouded by deep lingering fears, $3 questions, and hard-to-break bad habits with money.
This episode is brought to you by:
Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit.
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Hatch | A million things don’t want you to sleep, Hatch does. Get $20 off a Hatch Restore at https://hatch.co/ramit.
Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit.
Superhuman | Get a free month of lightning fast email at https://try.sprh.mn/ramitsethi.
Links mentioned in this episode
• “We spent $80,000 more than we made last year” (Part 1)
Connect with Ramit
• Get the Podcast Newsletter and exclusive Q&A about the show
• 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
Submit a question for the newsletter iwt.com/askramit 
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.

158. “We have $2M, why can’t we retire?” (Part 2)

Adrienne and Rob are 59 and 62, and they are overcome with worry over whether or not they’ve amassed enough wealth to live comfortably, and apply Rich Life principles, in their retirement years. Adrienne’s head is in the clouds—dreamy and full of color. Rob lives in his (physical!) spreadsheets. 
This episode is brought to you by:
Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit.
LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT.
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Links mentioned in this episode
• “We have $2M, why can’t we retire?” (Part 2)
Connect with Ramit
• Get the Podcast Newsletter and exclusive Q&A about the show
• 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
• Submit a question for the newsletter iwt.com/askramit 
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.

157. “We spent $80,000 more than we made last year” (Part 1)

In the second half of this live-recorded conversation with Paul and Morgan, 37 and 33, we dig deeper into their Conscious Spending Plan to uncover three cars (for two adults), sporadic debt management, high pet care costs, hidden student loans, and what seems like no way out from under it all. 
This episode is brought to you by:
Hatch | A million things don’t want you to sleep, Hatch does. Get $20 off a Hatch Restore at https://hatch.co/ramit.
Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit.
ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today.
Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit.
Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit.
Links mentioned in this episode
• “We have $22k in cc debt—but I want to renovate the house” (Part 1)
Connect with Ramit
• Get the Podcast Newsletter and exclusive Q&A about the show
• 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
• Submit a question for the newsletter iwt.com/askramit 
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.

156. "We have 2 kids, 3 cars...but only 1 month of savings" (Part 2)

Paul and Morgan, 37 and 33, find themselves in a painful loop of arguments and unchecked spending, putting the future of their young family at risk. We hear about destination concerts, ongoing renovations, and charged vacations—but it’s their fixed cost percentage that is most worrisome.
This episode is brought to you by:
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Claritin | Visit https://claritin.com right now for a discount so you can get allergy relief and live Claritin Clear.
Links mentioned in this episode
• “We have 2 kids, 3 cars...but only 1 month of savings" (Part 2)
Connect with Ramit
• Get the Podcast Newsletter and exclusive Q&A about the show
• 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
Submit a question for the newsletter iwt.com/askramit 
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.

155. “We have $22k in cc debt—but I want to renovate the house” (Part 1)

Kevin and Michelle, 32 and 30, joined me live in New York City earlier this year for our very first in-person interview. They have one young child and another on the way, but they can’t stop spending. With low savings, their debt mounts while they both lease luxury vehicles.
This episode is brought to you by:
Sidebar | Join thousands of leaders from companies like Microsoft, Amazon, and Meta who have taken the first step towards accelerating their career https://sidebar.com/ramit
LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT.
Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit.
Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit.
Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit.
Links mentioned in this episode
• "My husband doesn’t trust me to run our business" #1
Connect with Ramit
• Get the Podcast Newsletter and exclusive Q&A about the show
• 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
• Submit a question for the newsletter iwt.com/askramit 
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.

78. “I pretend things are fine, but we’re 2 months from going bankrupt”

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