Laura (34) and Cameron (38) earn over $200,000 a year and save thousands each month, yet every decision feels like a crisis.

Laura, a first-generation Mexican American, grew up in financial chaos and now enforces strict rules, from tracking every purchase in YNAB to keeping Cameron on an allowance. Her dream is to hit Coast FIRE in five years. Cameron, meanwhile, just wants to enjoy life today—take a trip, fix the car, maybe even expand their family. Their daughter is four, and the question of whether to have another child looms large.

Can Ramit help them break free from fear, build shared goals, and find a balance between saving for tomorrow and living fully now?

A special thanks to DeleteMe for sponsoring this episode. If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off.

In this episode we uncover:

• Why Laura enforces strict financial rules yet still feels unsafe despite saving half their income

• How Cameron’s “passenger” role with money leaves Laura carrying the weight

• Why their $228,000 household income doesn’t feel like “enough” in an affluent Chicago neighborhood

• How childhood experiences shaped Laura’s scarcity mindset

• The emotional toll of living as if they are still poor, even with nearly half a million dollars in net worth

• How FIRE gave Laura a sense of control and safety—but at the cost of enjoying life today

• How chasing control keeps them feeling perpetually “behind” and unable to thrive

• The stark contrast between Laura’s authoritarian role and Cameron’s passivity

• How they can move beyond survival mode and start thriving by defining a shared Rich Life vision

Chapters:

(00:00:00) “I keep my husband on an allowance”

(00:09:58) Ramit breaks down their numbers

(00:25:05) “We feel poor… on $228,000 a year”

(00:41:37) “My parents racked up debt in my name without me knowing”

(00:54:48) “I keep us living small”

(01:10:21) “CoastFi says we’re fine—so why doesn’t it feel real?”

(01:24:06) “What would make the next 10 years magical?”

(01:33:54) Where are they now? Laura and Cameron’s follow-ups

This episode is brought to you by:

Wildgrain | Get $30 off the first box - PLUS free Croissants in every box at https://wildgrain.com/ramit

ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today #sponsored

SonderMind | Go to https://sondermind.com to get matched with the right therapist in less than a week

Facet | Facet is waiving their $250 enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to https://facet.com/ramit to learn more about which membership option is best for you

Links mentioned in this episode

• Get tickets for my next live event—September 26 in Los Angeles—at iwt.com/events

Connect with Ramit

• Get my new book, Money For Couples

• 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.

Lashan (50) and David (49) have been married for nearly two decades, raising three children and building stable government careers. But when health complications and a sudden return-to-office mandate pressured Lashan into early retirement, their income dropped. Suddenly, $5,000 a month seems to vanish into thin air. Lashan, meticulous and controlling with money, carries the full weight of their financial future, while David remains passive and supportive from the sidelines.

But the stakes are high: a mortgage, looming college costs, and the urgency to create meaningful memories while Lashan still can. Can Ramit help them uncover where the money is going, build a roadmap for the future, and finally get David to step up as a true financial partner?

In this episode we uncover:

• Why Lashan was pressured into early retirement

• How $5,000 a month in “guilt-free spending” keeps disappearing

• How David’s childhood scarcity shaped his urge to spend money now

• Evictions and shut-off notices from Lashan’s childhood have driven her obsession with control and bill paying

• Why David earned the “ignorant reassurer” label

• How compartmentalizing her terminal diagnosis keeps Lashan focused on bills instead of her deepest fears

• Ramit’s challenge to flip their money roles

• The invisible financial work Lashan handles that David barely sees

• Why paying bills feels like love and safety for Lashan

• How Lashan ended up caring for everyone else but not herself

Chapters:

(00:00:00) “I’ve cried more about leaving my job than my diagnosis”

(00:19:25) Ramit breaks down their numbers

(00:38:02) “Eviction notices… the electricity might be off”

(00:46:32) “I’m going to die… and I can’t do this all alone”

(01:10:44) Redefining what family memories look like

(01:20:28) Paying off debt isn’t enough—planning for life after

(01:28:23) “I feel like I see the possibility for joy and fun”

(01:36:01) Where are they now? Lashan and David’s follow-ups

This episode is brought to you by:

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. Get yours at https://drinklmnt.com/RAMIT.

Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist.

Netsuite | Download the CFO's Guide to AI and Machine Learning at https://netsuite.com/ramit.

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.

DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off.

Links mentioned in this episode

• Get tickets for my next live events—September 14 in Atlanta and September 26 in Los Angeles—at iwt.com/events

Connect with Ramit

• Get my new book, Money For Couples

• 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.

Rachel (31) and Pierre (42) have been together for four years, building a loving and stable life in Brooklyn. But one issue is holding everything back: Pierre’s $60,000 in debt from a failed business he started to support his family. His plan is to wait it out, hoping the problem disappears. But Rachel is unwilling to move forward towards marriage until there’s a plan in place.

To her, his passive approach feels like a warning sign for their future together. Can Ramit help them face the reality of this debt, make a plan, and build a shared vision?

In this episode we uncover:

• Why Rachel vowed never to date someone with debt—and why she chose to date Pierre anyway

• Pierre’s family vape shop business collapse and the $60,000 in debt he took on to try to save it

• The stark difference in how each partner views the debt

• Why Pierre believes ignoring the judgment is a valid strategy

• Rachel’s habit of minimizing her own fears

• How Pierre’s family history shaped his own sense of obligation

• Rachel’s painful history with her mother being scammed out of $60,000

• The tension between investing for the future versus paying off past mistakes

• How cultural expectations and family loyalty complicate Pierre’s decision-making around money

• The breaking point: Rachel admits she cannot say yes to a proposal without a clear plan for the debt

• Ramit’s game plan to get the debt paid off—the right way

Chapters:

(00:00:00) “If you don’t handle this debt, I won’t marry you”

(00:19:50) Ramit breaks down their numbers

(00:27:25) “Happy wife, happy life” — but what about the debt?

(00:41:53) He took on debt for his family — but at what cost to his future?

(00:55:01) “I don’t ask my dad for money… and I don’t ask Pierre either”

(01:07:31) How small sacrifices can open the door to big changes

(01:23:21) Logistics are a big turn on

(01:30:50) Where are they now? Rachel and Pierre’s follow-ups

This episode is brought to you by:

SonderMind | Go to https://sondermind.com to get matched with the right therapist in less than a week.

Doola | Go to https://doola.com/ramit and use code RAMIT for 10% off LLC formation and bookkeeping.

Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit

Rocket Money | Cancel unwanted subscriptions and manage your expenses the easy way at https://rocketmoney.com/ramit

Notion | Try Notion for free at https://notion.com/ramit and experience the powerful, easy-to-use Notion AI today.

Links mentioned in this episode

• Get tickets for my next live events—September 14 in Atlanta and September 26 in Los Angeles—at https://iwt.com/events

Connect with Ramit

• Get my new book, Money For Couples

• 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.

Becca (35) and Nikki (31) are planning their wedding, but they’re already struggling with how to merge their money. Becca, a rock climbing guide with a variable income, has thrown herself into personal finance after years of scarcity thinking and now tracks every dollar. Nikki wants to feel more empowered but often defers to Becca’s lead—and sometimes hides financial stress, like credit card debt.

Together they net around $80,000, but with high fixed costs, student loans, and uncertainty about investing, their dream of building wealth feels out of reach. They want a clear, intentional financial plan that lets them invest confidently and step into marriage as equal partners. Can Ramit help them overcome ambivalence, balance their roles, and create a structure that supports both their dreams and their future together?

In this episode we uncover:

• Why Becca tracks every single dollar

• Nikki’s tendency to “not overthink” spending

• The power dynamic of one partner leading on money while the other defers

• How Becca’s deep dive into personal finance turned her into the household CFO

• Why high fixed costs and seasonal income keep them from investing the way they want

• The emotional tug-of-war between wanting to combine finances and being afraid of what that might mean

• How their childhood money lessons still show up in every conversation

• What they imagine for their Rich Life together, and why ambivalence keeps them from making clear decisions

• Ramit’s challenge to build a financial structure that balances empowerment, responsibility, and trust

Chapters:

(00:00:00) “I don’t want to steer us wrong”

(00:17:09) Ramit breaks down their numbers

(00:26:21) Childhood money scripts that carry into adulthood

(00:39:41) “Why are you playing so small?”

(00:49:22) “The freedom is in the commitment”

(01:06:12) Redesigning their Conscious Spending Plan

(01:26:23) Where are they now? Becca and Nikki’s follow-ups

This episode is brought to you by:

Facet | Facet is waiving their $250 enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to https://facet.com/ramit to learn more about which membership option is best for you.

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. Get yours at https://drinklmnt.com/RAMIT

Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit

DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off.

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

Links mentioned in this episode

• Get tickets for my next live events—September 14 in Atlanta and September 26 in Los Angeles—at iwt.com/events

• I’m casting couples right now for a new season of this podcast. If you’ve been wanting to get my advice on your situation, this is the last chance to talk to me in 2025. Apply now at iwt.com/apply

Connect with Ramit

• Get my new book, Money For Couples

• 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.

Fernanda (44) and Jorge (48) have been married for nearly 25 years, raising three children, including one with lifelong special needs. Despite earning $130,000 a year, they consistently spend more than they make, and only have $300 in savings.

Fernanda juggles multiple jobs and manages every detail of their finances, a responsibility that has left her physically ill from stress. Jorge works nights and picks up odd jobs, but avoids financial planning and defers almost everything to Fernanda. Fernanda dreams of a stable, less exhausting life where she and Jorge are true financial partners.

Can Ramit help them confront old patterns, create a sustainable system, and secure a future for their family—especially their son’s lifelong care?

In this episode we uncover:

Why Fernanda says she’s “physically ill” from the stress of managing their money alone.

How Jorge’s laid-back optimism turns into financial avoidance—and leaves Fernanda carrying the full weight.

The $13,000 air purifier scam—and what it reveals about their spending habits.

How Fernanda’s history of homelessness and working from age 13 shaped her need for control.

Why Jorge, who didn’t work until 25, still struggles to engage with financial decisions.

The emotional toll of raising three children, including one with lifelong special needs, while buried in $350,000 of debt.

What happens when Fernanda tries to share her complicated spreadsheets with Jorge—and why it never works.

Ramit’s challenge for Jorge to take concrete steps toward shared ownership of their finances.

Fernanda’s vision of a stable, less exhausting life—and the boundaries she’ll need to set to get there.

Chapters:

(00:00:00) “If nothing changes, I’ll end up in the hospital”

(00:19:41) “It feels like impending doom”

(00:24:18) “It pisses me off that money could break us”

(00:37:32) Ramit breaks down their numbers

(00:58:08) “It’s a joke in the family that I have four kids”

(01:15:59) “I want a partner, not just a paycheck”

(01:20:40) Red alert: only $311 in savings

(01:35:29) Where are they now? Fernie and Jorge’s follow-ups

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 #sponsored

Wildgrain | Get $30 off your first box—PLUS free croissants in every box at https://wildgrain.com/ramit.

Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 10% off plus free shipping.

Upwork | Visit https://upwork.com to post your job for free and connect with top talent ready to help your business grow.

Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist.

Links mentioned in this episode

• Get my Free Money Made Easy Mini Course at https://iwt.com/moneypod

Connect with Ramit

• Get my new book, Money For Couples

• 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.

Romy (38) and Travis (37) are a married couple living in Cape Town—but despite earning over $130,000 a year, they’re constantly running on empty. Romy feels the crushing weight of managing everything alone, while Travis avoids financial planning and insists things will “just work out.” Together, they’ve repeated the exact same dynamic Romy grew up with—right down to the hidden savings and anxious sleepless nights. Can they stop playing financial whack-a-mole and finally build a system that supports their future dreams, or will history keep repeating itself?

In this episode we uncover:

• Why Travis believes he can always “go fishing” to make money—and how that mindset creates instability.

• How growing up with financial chaos shaped both of their attitudes toward money and planning.

• The emotional weight Romy carries by being the only one thinking about the future.

• Romy’s secret UK savings account—why she kept it hidden, and what happened to the money.

• Their chaotic approach to buying property—and why they can’t clearly say if it’s for living or investing.

• How disorganized thinking shows up in everything from taxes to tipping the valet.

• The truth about their emergency fund (or lack thereof)—and the very real risks they face.

• Why Travis’s role as the “reassurer” actually prevents change—and how Romy feels trapped by it.

• How Ramit challenges Travis to redefine generosity without spending money.

• The first steps they take toward rebuilding trust and creating a shared financial system.

I’m casting couples right now for a new season of this podcast. If you’ve been wanting to get my advice on your situation, this is the last chance to talk to me in 2025. Apply now at iwt.com/apply

Chapters:

(00:00:00) “I tapped my card and it said insufficient funds”

(00:09:23) “I’m living the same financial life as my parents”

(00:18:13) Ramit breaks down their numbers

(00:38:14) The weight of taking on the “man’s” role

(00:52:48) “I’ve been poor before—I’ll be poor again”

(01:02:08) Living on hope, not numbers

(01:12:05) “We’re doing this together” — building a new financial identity

(01:28:56) Where are they now? Romy and Travis’s follow-ups

This episode is brought to you by:

Doola | Go to https://doola.com/ramit and use code RAMIT for 10% off LLC formation and bookkeeping.

Facet | Facet is waiving their $250 enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to https://facet.com/ramit to learn more about which membership option is best for you.

DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off with promo code RAMIT at checkout.

Rocket Money | Cancel unwanted subscriptions and manage your expenses the easy way at https://rocketmoney.com/ramit.

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. Get yours at https://drinklmnt.com/RAMIT.

Links mentioned in this episode

• Get tickets for my next live events—September 14 in Atlanta and September 26 in Los Angeles—at iwt.com/events

Connect with Ramit

• Get my new book, Money For Couples

• 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.

Monica (36) and Michael (33) have been married just over a year and are navigating the pressures of new parenthood—but Monica feels like she’s doing it alone. She pays the rent, covers childcare, and works a demanding job, while Michael juggles three jobs and carries shame about his income and past financial mistakes—including an eviction he never told her about.

Despite a recent 50% salary increase, Michael didn’t share the news, reinforcing Monica’s sense that she’s carrying the emotional and financial load. Can Ramit help them rebuild trust, communicate transparently, and step into a true financial partnership?

In this episode we uncover:

• Michael’s quiet shame about earning less

• How an eviction early in their relationship shattered Monica’s trust

• The $95K salary increase Michael never told her about

• Why Michael’s “Swiss Army knife” mentality is sabotaging their relationship

• What Monica really means when she says she wants a financial partner

• Why transparency is still a major hurdle

• The emotional gap in their relationship, and how it’s showing up in everything from birthday celebrations to debt payoff plans

• What finally shifts when Michael shares his debt-free timeline

Chapters:

(00:00:00) “I feel like a leech”

(00:18:28) Ramit breaks down their numbers

(00:25:56) “I got a 50% raise…and didn’t tell her”

(00:33:24) Why she’s always the last to know about his money

(00:42:59) The secret that shattered her trust early on

(00:46:26) He paid off half his debt—but still struggles to celebrate it

(01:00:03) Torn between faith and financial goals

(01:04:38) When earning more still isn’t enough

(01:26:25) Are they finally rowing in the same direction?

(01:35:17) Where are they now? Monica and Michael’s follow-ups

This episode is brought to you by:

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.

Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit

Factor | Get 50% off plus free shipping on your first box at https://factormeals.com/ramit50OFF with code RAMIT50OFF

Netsuite | Download the free e-book 'Navigating Global Trade: Three Insights for Leaders' at https://netsuite.com/ramit

OpenPhone | Get 20% off your first 6 months at https://openphone.com/ramit

Links mentioned in this episode

• Get tickets for my next live events—September 14 in Atlanta and September 26 in Los Angeles—at iwt.com/events

Connect with Ramit

• Get my new book, Money For Couples

• 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.

Angela (52) and Brian (52) have been together since they were teenagers and have raised four kids.

Now as they approach being empty nesters, they’re stuck in a sitcom-style standoff: Angela loves bargain shopping and dreams of traveling the world, but Brian clings to a decades-old belief that they need $1 million to retire and panics over every pantry purchase. Their net worth proves that they’re actually financially stable—but Brian can’t shake the fear of not having enough.

Can Ramit help them rewrite their roles, align on what retirement really looks like, and find connection beyond coupons and control?

In this episode we uncover:

• Why Angela believes they’re ready to retire—and why Brian is convinced they’re still broke.

• The decades-old advice Brian can’t shake—and how it’s been quietly dictating their entire financial life.

• The performance dynamic they’ve fallen into—and how it’s masking deeper emotional needs.

• The stark difference in how they define a “Rich Life”—and what’s missing from both visions.

• How Angela uses frugality to feel responsible—and the cost of that invisible labor.

• The moment Brian saw their actual net worth, and why it didn’t change how he feels.

• What happens when couples keep score with their sacrifices—and how it erodes connection.

• How fear of losing control is stopping Brian from building the life he actually wants.

Chapters:

(00:00:00) “I’ve been chasing that number since I was 18”

(00:04:11) The emotional cost of saying no to everything

(00:19:08) Ramit breaks down their numbers

(00:29:21) “Why do we need eight jars of peanut butter?”

(00:40:57) Trapped in the “justifier” and “decider” roles

(00:50:34) Frugal lives, empty spaces

(00:58:01) “I think we’ve just kind of… drifted”

(01:06:04) How much is enough to retire—and what would make us feel safe?

(01:18:42) Where are they now? Angela and Brian’s follow-ups

This episode is brought to you by:

LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. Get yours at https://drinklmnt.com/RAMIT

Leesa | Go to https://leesa.com for 25% off sitewide PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners.

Upwork | Visit https://upwork.com/save to get a $200 credit to put towards your next freelancer to help grow your business.

Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit

Facet | Facet is waiving their $250 enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to https://facet.com/ramit to learn more about which membership option is best for you.

Links mentioned in this episode

• Get tickets for my next live events—September 14 in Atlanta and September 26 in Los Angeles—at iwt.com/events

Connect with Ramit

• Get my new book, Money For Couples

• 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.

Last week, we met Dominique (33) and Chris (34)—a couple earning $180K a year, raising a toddler, and still living paycheck to paycheck. Dominique felt alone in managing their finances, while Chris stayed disengaged, assuming things were fine.

In Part One, we uncovered the cracks: a lack of communication, zero long-term planning, and growing resentment. Now, as their childcare costs are about to quadruple, will they be able to move past survival mode and start working as a team? Will Chris finally step up—and can Dominique let go of overthinking and accept support?

In this episode we uncover:

• How their expensive Arizona house became a symbol of both pride and financial strain.

• The quiet resentment Dominique feels when Chris is out of work—and why she kept it to herself.

• A surprising disconnect around how much they contribute—and who’s really paying more.

• Ramit’s reality check about going month to month on a six-figure income.

• Why Dominique’s overthinking makes her feel in control—but leaves them stuck in place.

• The false sense of security that’s masking a dangerous truth: They have just two months of savings.

• The emotional cost of living reactively—and what it will take for them to finally plan ahead.

Chapters:

(00:00:00) “My friend sold it to me…” — the truth about whole life insurance

(00:09:05) Investing, saving… or just surviving?

(00:14:58) Problem-oriented vs. solution-oriented

(00:22:11) Ramit breaks down their numbers

(00:26:14) He’s living for his son—but what about himself?

(00:38:32) What if selling your house meant losing money?

(00:43:13) “I thought I’d be co-parenting by now”

(00:52:38) Dominique & Chris 2.0: Confident. Open. Together.

(01:03:30) Where are they now? Dominique and Chris’s follow-ups

This episode is brought to you by:

Rocket Money | Cancel unwanted subscriptions and manage your expenses the easy way at https://rocketmoney.com/ramit

DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off.

Facet | Facet is waiving their $250 enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to https://facet.com/ramit to learn more about which membership option is best for you.

Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist.

ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today #sponsored

Connect with Ramit

• Get my new book, Money For Couples

• 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.

Dominique (33) and Chris (34) have been together for six years, engaged for two, and share a two-year-old son. While Dominique manages parenting, full-time work, and their finances, Chris shuts down when money comes up—and has no plan for what’s next. With rising childcare costs, growing debt, and a second home draining up to $2,000/month, their finances are on the brink. Dominique has paused their wedding plans—and admits she’s considering co-parenting alone. Can Ramit help them build a future together before it’s too late?

In this episode we uncover:

• The emotional burden Dominique carries as the default parent, planner, and financial lead

• How Chris’s we’ll-figure-it-out mindset undermines Dominique’s trust and long-term planning

• The real reason their wedding is on pause—and why Dominique’s preparing for life on her own

• Chris’s internal conflict: overwhelmed by adulthood, uncertain how to change

• How avoiding money conversations became the deepest fracture in their relationship

• What happens when one partner is growing—and the other is standing still

• Ramit’s challenge to both: take action now, or risk losing everything

Chapters:

(00:00:00) “At this rate, we’ll be co-parenting next year”

(00:06:52) Can I actually afford a new vehicle?

(00:20:46) Ramit breaks down their numbers

(00:30:43) “We make $180K—but we still feel broke”

(00:46:45) Uncovering their REAL spending habits

(00:55:59) The money messages they’re passing on without realizing it

(01:18:29) “We’ll figure it out”—reacting vs. being proactive

(01:23:26) What we’ll uncover next week

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Links mentioned in this episode

• If you've been waiting for "the right time" to start your business, join me on Monday, July 21, at 8pm ET / 5pm PT to learn how to start a business in just one hour. Reserve your seat at iwt.com/earnmore.

• Should you buy or rent? Get my 3-step guide to buying a house at iwt.com/house.

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• Get my new book, Money For Couples

• Get Money Coaching with Ramit

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• Get my New York Times best-selling book

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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.