Courtney (40) and Ray (41) have spent their entire adult lives in the structure of military life—but with retirement on the horizon, they’re about to face a future filled with choices for the first time.

For Ray, that means walking away from the rank, routine, and pension he’s built for over 20 years and entering a civilian job market he knows little about. For Courtney, it means finishing grad school, becoming a therapist, and finally stepping into her own career after 12 years as a stay-at-home mom.

With three kids, a cross-country move coming soon, and dreams of settling down for good, can they stop optimizing for retirement and start asking better questions on building their Rich Life?

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

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

Stamps.com | Sign up at https://stamps.com/ramit for a special offer that includes a 4-week trial, plus free postage, and a free digital scale. No long-term commitments or contracts.

Leesa | Go to https://leesa.com for 20% off sitewide PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners.

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

Links mentioned in this episode

• Get my no-numbers journal

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

• Order my new book: Money for Couples

• 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.

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://try.sprh.mn/ramitsethi

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 (37) and Marcus (38) have been married for 14 years, raising four kids and building a life together—but when it comes to money, they couldn’t be further apart.

Lisa homeschools their kids and dreams of more family travel time full of Rich Life experiences. Marcus shuts down in financial conversations, overwhelmed by anxiety and self-doubt—even though he’s a professional accountant. In today’s episode, live from Washington, D.C., they uncover a painful dynamic: Lisa is left holding the financial burden alone, while Marcus avoids it entirely.

Can they change their money story and finally start acting as a team?

This episode is brought to you by:

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

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

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

Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 20% off plus free shipping.

Links mentioned in this episode

• Please vote for Money For Couples in the 2025 Webby Awards

• 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.

Katie (28) and Robin (35) live together in Tennessee and are planning a wedding. They earn a combined $386K, but don't split bills proportionally—even though he makes three times more. She feels judged, lies about spending, and recently racked up credit card debt after secretly booking a ski trip for his birthday. He’s investing $8K/month while she’s barely breaking even.

As they discuss a prenup and her plan to quit her job for grad school, deep questions arise: Can they truly combine finances? Can she stop people-pleasing? Can he be more generous? Ramit helps them untangle power dynamics, rebalance the split, and build a shared vision for money—before resentment derails their future.

This episode is brought to you by:

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

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 facet.com/ramit to learn more about which membership option is best for you.

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

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

Links mentioned in this episode

• Please vote for Money For Couples in the 2025 Webby Awards

• 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.

Emma (39) and Dave (39) make $258,000 a year—but they’re stuck in a toxic money dynamic. She built a financial plan during maternity leave. He didn’t believe her. Now, they’re battling over trust, $50K in debt, and whether they can afford a $700K house.

With conflicting money roles—she’s the anxious planner, he’s the passive skeptic—they can’t move forward. In this episode, Ramit breaks down their “chaser/avoider” dynamic, the emotional cost of skepticism, and how to finally create a shared vision.

This episode is brought to you by:

Stamps.com | Sign up at https://stamps.com/ramit for a special offer that includes a 4-week trial, plus free postage, and a free digital scale.

Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 20% off plus free shipping.

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.

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

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

• 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.

Today’s episode takes us to New York City, where I sit down with not two, but three couples live on stage at my Money for Couples event.

First, meet Antonio (23) and Devonta (23), a young couple who in their 20s are already ahead of the game—earning money while finishing their degrees, having real conversations about finances, and even purchasing a home together.

Next, we meet Pam (38) and Nic (40), who are struggling with a classic money dynamic: one partner earns significantly more and wants to “rescue” the other from financial stress. But as they discover, money alone can’t solve deeper issues of self-worth and financial confidence.

And finally, for the first time ever on this show, a very special surprise guest joins me on stage. You don’t want to miss this!

This episode is brought to you by:

Leesa | Go to https://leesa.com for 20% off sitewide PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners.

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

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

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

Wilson (46) and Shannon (35) have built a strong financial foundation—owning a vacation rental, maxing out Roth IRAs, and earning solid incomes. But when it comes to their next move, they’re at odds.

Wilson wants to tap into their home equity to invest in stocks, believing they’re too heavily weighted in real estate. Shannon, more risk-averse, worries about adding debt when they already owe $129K on their home, plus tax and student loans.

Can they align on a strategy that balances security with growth?

This episode is brought to you by:

Gelt | Get a more premium, proactive tax strategy to optimize and file your taxes at https://joingelt.com/ramit.

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

Superhuman | Get a free month of lightning fast email at https://try.sprh.mn/ramitsethi

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 facet.com/ramit to learn more about which membership option is best for you.

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.

On today’s episode, we’re live from Boston for my recent Money For Couples book tour.

First, I talk with Robert (28) and Giselle (28) who appear to have it all together, but behind the scenes, they’re struggling to make intentional financial decisions. Instead of planning ahead, they make impulsive decisions like committing $7,500 of earnest money to a new home that they can’t afford. Now, they’re questioning if they can still plan the wedding they want.

Then we’ll meet Sara (28) and Jay (28) who are newly married and learning how to navigate finances together. Sara is a disciplined saver who avoids debt, while Jay is a big-picture dreamer—planning elaborate vacations without considering the cost. Sara has graciously agreed to help Jay pay off his debt, but was blindsided when Jay revealed the full amount post-honeymoon. Now, as they plan for homeownership and parenthood, trust and transparency are more important than ever.

This episode is brought to you by:

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.

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

• Start earning $1k on the side in 30 days—using skills you already have at iwt.com/earn1k

• 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: https://iwt.com/apply

Produced by Crate Media.

Juan (43) and Amber (40) feel behind on their retirement plans after years of prioritizing travel and expensive hobbies over investing.

Juan, who grew up poor, struggles with a scarcity mindset—undercharging for his work and financially supporting his family. Amber, now earning less, believes they should be doing better.

With financial pressure mounting, they’re considering merging finances but need to align on their money mindset first. Can they change their spending habits, boost their income, and get on track for their Rich Life?

This episode is brought to you by:

Trust & Will | Secure your assets and protect your loved ones. Get 10% off plus free shipping on your estate plan documents by visiting https://trustandwill.com/ramit

Netsuite | Get visibility to everything in your business in one place. Sign up and defer payments, with no interest, for six months at https://iwt.com/netsuite

Thrive Market | Head to https://thrivemarket.com/RAMIT and get 30% off your first order—plus a FREE $60 gift!

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

Links mentioned in this episode

• Want to earn an extra $1,000 on the side? Get on the waitlist at iwt.com/earnwaitlist

• 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.