Money For Couples with Ramit Sethi

How do the ultra-wealthy use money to make everyday life easier and what can we learn from the people who run their homes?

Ramit digs into why a couple with a $692,000 net worth feels trapped by a house they no longer want and afraid to give up their 2.7% mortgage.

Ramit Sethi of I Will Teach You to Be Rich talks with Chloe, 32, and Jake, 30, who have been together for ten years. They bought a 3,000-square-foot house on 1.5 acres because they believed homeownership was a smart financial decision. But years later, they're exhausted by the maintenance and questioning whether the American Dream is really worth it.

Their attempts to find more freedom have only made things more complicated. An $80,000 home equity loan for an Airbnb plan, a $50,000 RV they never used, and a fear of making another expensive mistake have left them stuck. Jake wants to sell, but Chloe worries about walking away from a good investment. With their finances in good shape, Ramit challenges them to ask a different question: what do they actually want their life to look like?

A special thanks to our partners at Monarch for sponsoring this episode. Try Monarch free today and get 50% off your first year of Monarch Core at https://monarch.com/ramit, promo code RAMIT. Sign up through Ramit's link to get his exact Conscious Spending Plan categories already set up in your account.

In this episode, we uncover:

Chapters:

(00:00:00) Introduction

(00:04:20) The expensive business ideas that haven't worked out

(00:10:16) Buying a family home above their budget

(00:20:36) Strong finances, but still feeling stuck

(00:27:45) The RV they bought but never used

(00:35:13) Struggling with the decision to sell their house

(00:56:19) Weighing the financial case for selling

(01:16:35) Choosing happiness over financial returns

(01:25:42) Reworking their spending to enjoy life now

(01:40:04) Follow-ups

💡 RAMIT’S PODCAST NEWSLETTER • I share new ways to think about money every Saturday. Get the emails here: https://iwt.com/podcastnewsletter

🙌 GET HELP FROM RAMIT SETHI • Order my new book: Money for Couples: https://iwt.com/moneyforcouples • Take control of your money with the Conscious Spending Plan: https://iwt.com/csp • Optimize your credit cards with the 1st chapter of my book: https://iwt.com/chapter1-pod • Join my Rich Life: Road to $100K program: https://iwt.com/100k • Listen to my book — now on Audible: https://amzn.to/48zko28

🤳 CONNECT WITH RAMIT SETHI • Instagram: https://www.instagram.com/ramit/ • X: https://twitter.com/ramit

✅ SUBSCRIBE SO YOU DON’T MISS ANY EPISODES https://youtube.com/user/ramitsethi/featured/

This episode brought to you by:

Granola | Try Granola totally free at https://granola.ai/RAMIT

Ladder | Get a free 7-day trial and $10 off your first month at https://ladder.fit/RAMIT 

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Facet | As of the date of this recording, Facet is waiving the 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. Offer has been extended to 12/31/2026. #FacetAd 

Connect with Ramit:

Apply to be coached for free on this podcast at https://iwt.com/apply

Ramit digs into why a couple worth $1.8 million and earning around $818,000 a year still struggle to feel financially secure, even when it comes to buying a $78 jacket.

Ramit Sethi of I Will Teach You to Be Rich talks with Laura and Jason, both 38, who have built significant wealth and are considering retiring in their early 40s. Jason believes they can stop working soon, but Laura isn't convinced. Despite their financial success, she worries about what could go wrong and struggles to imagine life without a regular paycheck.

For Laura, spending money has always been difficult. She once became physically sick when buying her first car, and even small purchases leave her questioning whether she's being irresponsible. After her parents lost their home in 2008, she's never quite shaken by the fear that everything could fall apart. As Ramit explores their finances and walks them through three possible retirement scenarios, Laura has an emotional breakthrough. But even if the numbers say they can retire, will she ever feel comfortable enough to actually do it?

A special thanks to Facet for sponsoring this episode. As of the date of this recording, Facet is waiving their enrollment fee for new annual members, and for Ramit’s 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. Offer has been extended to 12/31/2026. #FacetAd

Facet is a SEC registered investment advisor. Ramit is not a member of Facet, and has an incentive to endorse Facet as he has an ongoing fee based contract for cash compensation based on this endorsement. All opinions are his own and not a guarantee of a similar outcome.

And as always, thank you to our partners at Monarch. Try Monarch for free today, and get 50% off your first year of Monarch’s core tier at https://monarch.com/ramit, promo code RAMIT. When you sign up with my link only, you’ll get your Monarch account customized with my exact CSP categories so you can see exactly how you’re stacking up to your plan each month. That’s https://monarch.com/ramit, promo code RAMIT.

In this episode, we uncover:

Chapters:

(00:00:00) Introduction

(00:03:41) Can they really retire in their early 40s?

(00:14:14) Spending disagreements and the $78 jacket

(00:20:48) Their $1.8M net worth and financial fears

(00:26:34) Discovering they earn $818K a year

(00:36:45) Breaking down their investments and spending

(00:45:48) How childhood experiences shaped their money fears

(00:59:18) Three retirement scenarios and an emotional breakthrough

(01:17:24) Preparing for life without a paycheck

(01:26:38) Building confidence and learning to enjoy their money

This episode brought to you by:

Kindred | Apply now at https://livekindred.com/ramit to join for free and earn 5 nights of travel credit

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Connect with Ramit:

Apply to be coached for free on this podcast at https://iwt.com/apply

What does a $400,000 family vacation actually look like, and what could possibly make a hotel villa worth $15,000 a night? Ramit goes behind the scenes with luxury travel advisor Hao Tang to uncover the secret world of luxury vacations that most people never get to experience.
Chapters:
00:00 Introduction
00:57 What Does a $400,000 Vacation Get You?
03:11 The VIP Hotel Experience Nobody Sees
05:24 Inside a $15,000 a Night Villa
07:17 Private Chefs Who Make Anything You Want
13:10 The Butlers Who Take Care of Everything
21:15 The $60,000 Vacation Disaster
25:06 Spending $300,000 for $1 Million in Travel
This episode is brought to you by:
Gelt | Gelt is taking on new clients now. Find out if you qualify at https://joingelt.com/ramit
Ramit Sethi is the host of Netflix’s “How To Get Rich” and New York Times bestselling author of “I Will Teach You To Be Rich” and “Money For Couples”
Come to me next live event:

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Ramit digs into how years of impulse spending, money avoidance, and unequal financial responsibility have left a couple earning around $178,000 a year with $186,000 in debt and just $571 in savings.

Ramit Sethi talks with Michelle and Jeff, both 45, who have three children and are approaching 20 years of marriage. They’re earning more than ever, but still living paycheck to paycheck, with fixed costs consuming 87% of their take-home pay. Michelle feels responsible for making everything work, while Jeff admits that avoiding the numbers helps him avoid worrying about money and leaves her carrying the burden.

A closer look at their spending reveals a $76,000 car purchase, buy-now-pay-later spending, and more than $9,000 spent eating out reveal how their everyday decisions keep them stuck. The conversation reaches a turning point when he asks them to step away and decide whether they’re both ready to commit to change. Together, they explore the childhood experiences behind their money habits and begin building shared rules, a spending plan, and a different financial future for their family.

A special thanks to our new partners at Monarch for sponsoring this episode. Try Monarch for free today, and get 50% off your first year of Monarch’s core tier at https://monarch.com/ramit, promo code RAMIT. When you sign up with my link only, you’ll get your Monarch account customized with my exact CSP categories so you can see exactly how you’re stacking up to your plan each month. That’s https://monarch.com/ramit, promo code RAMIT.

In this episode, we uncover:

Chapters:

(00:00:00) Introduction

(00:02:13) Earning more, still living paycheck to paycheck

(00:16:50) The purchase arguments putting pressure on Michelle

(00:32:04) Ramit asks them to step away and commit

(00:39:04) Facing their debt and high fixed costs

(00:49:08) The childhood money patterns they’re repeating

(01:05:53) Where their money is really going

(01:13:34) Building shared money rules

(01:20:18) Reworking their budget, savings, and debt plan

(01:28:51) Follow-ups

💡 RAMIT’S PODCAST NEWSLETTER

• I share new ways to think about money every Saturday. Get the emails here: https://iwt.com/podcastnewsletter

🙌 GET HELP FROM RAMIT SETHI

• Order my new book: Money for Couples: https://iwt.com/moneyforcouples

• Take control of your money with the Conscious Spending Plan: https://iwt.com/csp

• Optimize your credit cards with the 1st chapter of my book: https://iwt.com/chapter1-pod

• Join my Rich Life: Road to $100K program: https://iwt.com/100k

• Listen to my book — now on Audible: https://amzn.to/48zko28

🤳 CONNECT WITH RAMIT SETHI

• Instagram: https://www.instagram.com/ramit/

• X: https://twitter.com/ramit

✅ SUBSCRIBE SO YOU DON’T MISS ANY EPISODES https://youtube.com/user/ramitsethi/featured/

This episode brought to you by:

Facet | As of the date of this recording, Facet is waiving the 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. Offer has been extended to 12/31/2026. #FacetAd 

Leesa | Go to https://leesa.com for up to 30% off mattresses PLUS get an extra $50 off with promo code RAMIT, exclusive for my listenersFabric by Gerber Life | Go to https://meetfabric.com/RAMIT and apply today, risk-free

Grow Therapy | Visit https://growtherapy.com/ramit to find a therapist today

Gelt | Gelt is taking on new clients now. Find out if you qualify at https://joingelt.com/ramit

Want to know exactly when you’ll hit your first $100K? Rich Life: Road to $100K gives you a step-by-step system to automate your money, accelerate your timeline, and build your Rich Life along the way. Join today: iwt.com/100K

Connect with Ramit:

Apply to be coached for free on this podcast at https://iwt.com/apply

Ramit digs into how years of overspending, money avoidance, and relying on future income have left a couple with more than $428,000 in debt, no savings, and a financial life they can no longer sustain.

Ramit Sethi of I Will Teach You to Be Rich talks with Addison, 39, and James, 43, who earn around $138,000 a year but have $0 in savings and fixed costs consuming a staggering 154% of their take-home pay. Addison feels responsible for keeping their finances afloat, while James admits he's spent years relying on optimism and money he expects to earn in the future.

As Ramit digs deeper, it becomes clear they are both contributing to the problem through restaurants, concerts, Ubers, shopping, and pet spending that has reached thousands in a single month. He helps them uncover the childhood money patterns behind their behavior, confront what they can actually afford, and make some of the biggest lifestyle changes attempted on the show all in an effort to stop living on future money and build a financial life they can actually sustain.

A special thanks to our new partners at Monarch for sponsoring this episode. Try Monarch for free today, and get 50% off your first year of Monarch’s core tier at https://monarch.com/ramit, promo code RAMIT. When you sign up with my link only, you’ll get your Monarch account customized with my exact CSP categories so you can see exactly how you’re stacking up to your plan each month. That’s https://monarch.com/ramit, promo code RAMIT.

In this episode, we uncover:

Chapters:

(00:00:00) Introduction

(00:03:31) Why divorce is already on the table

(00:08:54) The spending habits keeping them stuck

(00:19:09) How Addison became the financial safety net

(00:34:54) The true scale of their $428K debt

(00:55:29) The childhood patterns behind their spending

(01:17:08) Their shopping wake-up call

(01:18:08) Making a radical lifestyle reset

(01:30:26) Building a new financial plan

(01:47:02) Follow-up

💡 RAMIT’S PODCAST NEWSLETTER

• I share new ways to think about money every Saturday. Get the emails here: https://iwt.com/podcastnewsletter

🙌 GET HELP FROM RAMIT SETHI

• Order my new book: Money for Couples: https://iwt.com/moneyforcouples

• Take control of your money with the Conscious Spending Plan: https://iwt.com/csp

• Optimize your credit cards with the 1st chapter of my book: https://iwt.com/chapter1-pod

• Join my Rich Life: Road to $100K program: https://iwt.com/100k

• Listen to my book — now on Audible: https://amzn.to/48zko28

🤳 CONNECT WITH RAMIT SETHI

• Instagram: https://www.instagram.com/ramit/

• X: https://twitter.com/ramit

✅ SUBSCRIBE SO YOU DON’T MISS ANY EPISODES https://youtube.com/user/ramitsethi/featured/

This episode brought to you by:

NetSuite | If your revenues are at least in the seven figures, get the free business guide “Aligning for the Agentic Era: How AI Is Changing Everyday Work” at https://netsuite.com/ramitGranola | Try Granola totally free at https://granola.ai/RAMIT.

Ladder | Get a free 7-day trial and $10 off your first month at https://ladder.fit/RAMIT 

Fabric by Gerber Life | Go to meetfabric.com/RAMIT and apply today, risk-free

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

Want to know exactly when you’ll hit your first $100K? Rich Life: Road to $100K gives you a step-by-step system to automate your money, accelerate your timeline, and build your Rich Life along the way. Join today: iwt.com/100K

Connect with Ramit:

Apply to be coached for free on this podcast at https://iwt.com/apply

Ramit unpacks what happens when inconsistent income, mounting debt, and years of avoiding difficult money conversations leave a couple in their 40s feeling like they’re running out of options.

Ramit Sethi of I Will Teach You to Be Rich talks with Rebecca and Matthew, who have been married for 16 years and have four children. They earn around $185,000 a year, but their income is unpredictable, their fixed costs are at 84%, and they have just $1,000 in savings and $45,000 invested. They also have more than $633,000 in debt plus another $350,000 in law school loans that could bring their total debt close to $1 million.

Their biggest challenge isn’t simply learning how to budget. Rebecca feels constantly in the dark about when they’ll get paid and where their money is going, while Matthew avoids difficult conversations and tries to solve financial problems on his own. Ramit helps them confront the chaser-avoider dynamic they’ve repeated for years, why borrowing money and moving cash between accounts has never solved the underlying problem, and whether Matthew may need to walk away from his business and choose a stable income to protect their family’s future.

A special thanks to our new partners at Monarch for sponsoring this episode. Try Monarch for free today, and get 50% off your first year of Monarch’s core tier at monarch.com/ramit, promo code RAMIT. When you sign up with my link only, you’ll get your Monarch account customized with my exact CSP categories so you can see exactly how you’re stacking up to your plan each month. That’s monarch.com/ramit, promo code RAMIT.

In this episode, we uncover:

Chapters:

(00:00:00) Introduction

(00:07:56) The money arguments keeping them stuck

(00:22:25) Ramit opens up their finances

(00:40:54) Why their fixed costs are so high

(00:51:48) The spending they couldn't afford

(01:05:08) Why Matthew avoids money conversations

(01:14:11) Creating new rules to manage money together

(01:23:16) Should Matthew leave his business?

(01:32:30) The difficult financial choices facing their family

(01:43:41) What their retirement could look like

💡 RAMIT’S PODCAST NEWSLETTER

• I share new ways to think about money every Saturday. Get the emails here: https://iwt.com/podcastnewsletter

🙌 GET HELP FROM RAMIT SETHI

• Order my new book: Money for Couples: https://iwt.com/moneyforcouples

• Take control of your money with the Conscious Spending Plan: https://iwt.com/csp

• Optimize your credit cards with the 1st chapter of my book: https://iwt.com/chapter1-pod

• Join my Rich Life: Road to $100K program: https://iwt.com/100k

• Listen to my book — now on Audible: https://amzn.to/48zko28

🤳 CONNECT WITH RAMIT SETHI

• Instagram: https://www.instagram.com/ramit/

• X: https://twitter.com/ramit

✅ SUBSCRIBE SO YOU DON’T MISS ANY EPISODES https://youtube.com/user/ramitsethi/featured/

This episode brought to you by:

DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout

Factor | Head to https://factormeals.com/ramit50off and use code RAMIT50OFF to get 50% off and one free breakfast item per box for one year, while supplies last until 10/31/2026. See website for more details.

Facet | As of the date of this recording, Facet is waiving the 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. Offer has been extended to 12/31/2026. #FacetAd

Wispr Flow | Try Wispr Flow for free at wisprflow.ai/ramit

MasterClass | For unlimited access to every class and at least 15% off any annual membership, go to https://masterclass.com/ramit

Monarch | Try Monarch for free today, and get 50% off your first year of Monarch’s core tier with code RAMIT at monarch.com/ramit

Want to know exactly when you’ll hit your first $100K? Rich Life: Road to $100K gives you a step-by-step system to automate your money, accelerate your timeline, and build your Rich Life along the way. Join today: iwt.com/100K

Connect with Ramit:

Apply to be coached for free on this podcast at https://iwt.com/apply

Ramit unpacks what happens when a couple earns more than $1 million a year but still feels like they’re living month to month, and how a lifestyle built around family, community, and tradition can become almost impossible to afford.

Ramit Sethi of I Will Teach You to Be Rich talks with Margo and Kevin, 42 and 52, who live in Brooklyn with their five children. They take home around $600,000 a year and have approximately $11 million in assets, yet only around $50,000 in savings. Once Ramit uncovers expenses missing from their original plan, including private school tuition and summer camps, their fixed costs climb above 100% of their take-home pay, revealing that they’re spending more than they make every month.

Their biggest challenge isn’t simply earning more money. Kevin has taken on most of the finances while Margo has had limited visibility into their overall financial picture, and neither of them has a clear picture of where their money is actually going. Ramit helps them confront how community norms and family traditions shape what they see as non-negotiable, and the difficult choices they may need to make around private school, their homes, their children, and the lifestyle they’ve built.

In this episode, we uncover:

Chapters:

(00:00:00) Introduction 

(00:02:00) Why they call themselves “rich poor people” 

(00:25:00) Ramit opens up their numbers 

(00:43:00) The hidden expenses pushing them over 100% 

(01:06:00) How their childhoods shaped their money habits 

(01:11:00) How community and tradition shape their spending 

(01:15:00) They finally confront what has to change 

(01:33:00) Why $11M in assets still leaves them cash poor 

(01:36:00) Private school, their homes, and the difficult decisions ahead 

(01:58:00) Follow-ups

💡 RAMIT’S PODCAST NEWSLETTER • I share new ways to think about money every Saturday. Get the emails here: https://iwt.com/podcastnewsletter

🙌 GET HELP FROM RAMIT SETHI

• Order my new book: Money for Couples: https://iwt.com/moneyforcouples

• Take control of your money with the Conscious Spending Plan: https://iwt.com/csp

• Optimize your credit cards with the 1st chapter of my book: https://iwt.com/chapter1-pod

• Join my Rich Life: Road to $100K program: https://iwt.com/100k

• Listen to my book — now on Audible: https://amzn.to/48zko28

🤳 CONNECT WITH RAMIT SETHI

• Instagram: https://www.instagram.com/ramit/

• X: https://twitter.com/ramit

✅ SUBSCRIBE SO YOU DON’T MISS ANY EPISODES https://youtube.com/user/ramitsethi/featured/

This episode brought to you by:

Ladder | Get a free 7-day trial and $10 off your first month at ⁠https://ladder.fit/RAMIT⁠

NordVPN | Get an exclusive NordVPN deal + 4 months extra at https://nordvpn.com/RAMIT

Skylight | Get $30 off a 15-inch Calendar at ⁠https://myskylight.com/ramit

Notion | Learn more about how Notion can support your business at https://notion.com/ramit 

Wildgrain | Get $30 off the first box — PLUS free Croissants for life — at https://wildgrain.com/ramit

Want to know exactly when you’ll hit your first $100K? Rich Life: Road to $100K gives you a step-by-step system to automate your money, accelerate your timeline, and build your Rich Life along the way. Join today: iwt.com/100K

Connect with Ramit:

Apply to be coached for free on this podcast at https://iwt.com/apply

Ramit unpacks how to manage money as a couple after a job loss and what happens when one partner carries most of the financial responsibility while the other starts stepping back.

Ramit Sethi of I Will Teach You to Be Rich talks with Isabelle and Ryan, 37 and 40, who have been married for 12 years and have a four-year-old daughter. After Ryan was laid off from his $150,000 software engineering job, Isabelle became the sole earner. They have around $1.2 million in assets and an $800,000 net worth, but two mortgages and fixed costs at 83% of their income have left them trying to figure out how to manage their money on one income.

Their biggest challenge isn’t simply how to budget or save money. Isabelle manages most of their financial planning and decision-making, while Ryan struggles with money anxiety, guilt around spending, and feeling shut down when he tries to get involved. Ramit helps them understand how childhood scarcity shaped their relationship with money, how to communicate about finances without falling into a parent-child dynamic, and how reducing their fixed expenses could give them more freedom to actually enjoy the money they’ve built.

In this episode, we uncover:

Chapters:

(00:00) Introduction

(02:00) Why Isabelle feels responsible for their financial future

(04:00) The purchase that exposes Ryan’s money anxiety

(09:50) How losing his $150K job changed their roles

(39:00) Ramit opens up their numbers

(48:00) Why they’re paying two mortgages

(01:04:00) How childhood scarcity shaped their money dynamic

(01:23:00) The parent-child dynamic they’ve fallen into

(01:38:00) Ryan and Isabelle make a new financial plan

(02:07:00) Follow-ups

💡 RAMIT’S PODCAST NEWSLETTER

• I share new ways to think about money every Saturday. Get the emails here: https://iwt.com/podcastnewsletter

🙌 GET HELP FROM RAMIT SETHI

• Order my new book: Money for Couples: https://iwt.com/moneyforcouples

• Take control of your money with the Conscious Spending Plan: https://iwt.com/csp

• Optimize your credit cards with the 1st chapter of my book: https://iwt.com/chapter1-pod

• Join my Rich Life: Road to $100K program: https://iwt.com/100k

• Listen to my book — now on Audible: https://amzn.to/48zko28

🤳 CONNECT WITH RAMIT SETHI

• Instagram: https://www.instagram.com/ramit/

• X: https://twitter.com/ramit

✅ SUBSCRIBE SO YOU DON’T MISS ANY EPISODES https://youtube.com/user/ramitsethi/featured/

This episode is brought to you by:

ZocDoc | Taking care of your health just got easier – start here with Zocdoc: https://zocdoc.com/RAMIT #sponsored

ElevenLabs | If you run a business or handle customer operations across support, sales, or marketing, start with a demo at https://elevenlabs.io/ramit

Granola | Try Granola totally free at https://granola.ai/RAMIT.

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

Facet | As of the date of this recording, Facet is waiving the 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. Offer has been extended to 12/31/2026. #FacetAd 

Connect with Ramit:

Apply to be coached for free on this podcast at https://iwt.com/apply

Ramit unpacks how to stop overspending, take control of your money as a couple, and prepare financially for starting a family.

Ramit Sethi of I Will Teach You to Be Rich talks with Grace and Chris, who are 30 and 29 and have been married for six months. They have around $119,500 invested and unusually low housing costs, yet their finances feel chaotic and unstable. They spend more than they make, struggle to understand where the money goes, and have never had a substantive conversation about money as a couple.

The deeper problem is the dynamic they’ve fallen into. Grace handles most of the money while Chris takes a back seat, and both avoid the uncomfortable conversations they know they need to have. With children now part of their near-term plans, Ramit pushes them to confront where their habits came from and what has to change before the stakes get even higher.

In this episode, we uncover:

Chapters:

(00:00:00) Introduction

(00:02:36) “I’m crying for help on a sinking ship”

(00:16:53) The baseball game that exposes their money dynamic

(00:24:22) Ramit opens up their numbers

(00:40:37) Where their $119K investments came from

(00:47:40) What their childhoods taught them about money

(00:56:46) They’ve never defined their Rich Life

(01:04:04) What happens if nothing changes?

(01:18:32) Can they make the next 15 months work?

(01:31:43) Follow-ups

This episode is brought to you by:

Wispr Flow | Try Wispr Flow for free at wisprflow.ai/ramit

Gelt | Gelt is taking on new clients now. Find out if you qualify at https://joingelt.com/ramit

NetSuite | If your revenues are at least in the seven figures, get the free business guide “Aligning for the Agentic Era: How AI Is Changing Everyday Work” at https://netsuite.com/ramit

DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout

Got a money question you’ve always wanted to ask me?

Join me live on September 17th for “Why Your Budget Keeps Failing.” I’ll show you how to build a Conscious Spending Plan and answer your questions live. Join me: https://iwt.com/budget

Ever wondered what recruiters actually think when they see your application?

On September 16th, Google recruiter Nicky Slavich will reveal what makes recruiters keep reading and when to apply even if you’re underqualified. RSVP free: https://iwt.com/expertsession

Connect with Ramit:

Apply to be coached for free on this podcast at https://iwt.com/apply