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.

Live from the House of Blues in Chicago, Ramit coaches Evelyn and Mike (41).

Despite their successful careers, money is a constant source of tension. Evelyn scrutinizes every purchase, while Mike feels frustrated by the endless debates over small expenses. Can Evelyn let go of her scarcity mindset and start trusting their financial future?

Plus, stay tuned for a surprise visit from one of the past guests of Netflix’s How To Get Rich.

This episode is brought to you by:

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

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.

NordVPN | Secure your online privacy with NordVPN’s special offer. Get a huge discount on a 2-year plan, plus 4 bonus months free, when you sign up at https://nordvpn.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

• Get alerts about future live shows

• 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 on the podcast, free of charge. Apply to be on the podcast here.

Produced by Crate Media.

Frank (29) and Jill (33) are parents of two young kids and are trapped in a vicious cycle of overspending and debt.

With fixed costs eating up 107% of their income and $25,000 in credit card debt, they’ve been repeatedly digging themselves into a hole—and scrambling to climb back out. Frank solves panic with credit card balance transfers. Jill struggles with emotional spending rooted in childhood. Their lack of communication and alignment has created a wedge in their marriage, making it hard to face their financial reality together.

Can Frank and Jill cut spending, break old habits, and build a stable financial future for their family—or will they let the weight of their debt pull them down?

This episode is brought to you by:

NordVPN | Secure your online privacy with NordVPN’s special offer. Get a huge discount on a 2-year plan, plus 4 bonus months free, when you sign up at https://nordvpn.com/ramit.

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

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

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.

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

• I’m looking for couples to work with on my podcast in 2025; please apply at iwt.com/apply

• 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.

Matt (34) and Eliza (32) have spent years prioritizing investments, setting themselves up for a secure retirement—but now, they struggle to enjoy spending money. Matt deprives himself when they go out, while Eliza avoids spending altogether. Their extreme frugality is keeping them from living the full life they could, and with their first baby on the way, the pressure is mounting. Can they shift their money mindset, find balance, and start truly living their Rich Life?

This episode is brought to you by:

goodr | If you’re looking for new sunglasses, goodr is giving Money for Couples listeners free shipping. Go to https://goodr.com/RAMIT and use code RAMIT for free shipping on your first pair of goodr sunglasses. 

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

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

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

• I’m looking for couples to work with on my podcast in 2025; please apply at iwt.com/apply

• 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 last week’s episode, we met 38-year-old LaKiesha and 45-year-old James, a couple struggling to get on the same page financially. With no savings, no investments, and deep-rooted money fears, they’re stuck in a cycle of mindless spending. Today, we’re digging back into their CSP—and the numbers are more shocking than they expected. Can they finally break old habits and build their Rich Life together?

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

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!

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

Next Level Wardrobe | Take their free styling quiz and elevate your style at https://nextlevelwardrobe.com/ramit

Links mentioned in this episode

• Get my new book: Money for Couples

• Episode 193. “I’ve filed for bankruptcy twice. Will I ever stop spending?” (Part 1)

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.

Despite their best intentions, LaKiesha (38) and James (45) have fallen into a cycle of overspending—convincing themselves that wants are needs and that enjoying money now outweighs planning for the future. Their lack of financial foresight has left them without a safety net, and the weight of their debts has even led LaKiesha to file for bankruptcy.

Recently, they moved in together; but with that fresh start comes the baggage of their complicated financial pasts. Trust has been tested, and they’re being forced to confront their differences in financial values and upbringing. Can they break free from the habits that have kept them stuck?

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.

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

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.

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

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

Links mentioned in this episode

• Get my new book: Money for Couples

Connect with Ramit

• Download the Conscious Spending Plan

• Listen to my book—now on Audible

• 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.

Justin (40) and Deepika (32) are stuck in a frustrating financial loop: despite their high income, they feel like they’re living paycheck to paycheck. Deepika dreams of buying a house someday, but the couple can’t seem to identify where their money is going—or how to escape the cycle of credit card debt. Justin has a side hustle that he’s eager to grow, but he’s struggling to get the same level of commitment from his business partners. For years, they’ve been focused on survival, not dreaming about the future. Now, they’re realizing that their lack of a shared vision for their finances is keeping them from the life they want. Can Justin and Deepika kick their old habits, create a better strategy for managing their money, and finally start living their Rich Life?

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

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

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

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

Links mentioned in this episode

• Order my new book: Money for Couples

Connect with Ramit

• Get the Podcast Newsletter and exclusive Q&A about the show

• Sign up to attend a live event on my book tour

• 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.

Dillon (30) and Carrie (29) are navigating a tricky dynamic in their relationship: income disparity. Carrie works in tech, earning a high salary, but her anxiety about money has her constantly second-guessing their financial situation. Dillon, a PhD student living on a $40K annual stipend, is growing increasingly frustrated with Carrie's dismissive comments and her inability to see their combined income as a strength. Can Carrie improve her money psychology so they can live a happier, rich life together?

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.

Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.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.

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.

Links mentioned in this episode

• Get tickets to Money for Couples LIVE coming to a city near you in January

Connect with Ramit

• Pre-order my upcoming book: Money for Couples

• Get the Podcast Newsletter and watch me analyze an anonymous couple's spending each Saturday

• 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.

Justin, 38, and Maggie, 34, join the show to unpack a growing tension in their relationship—her hesitation to combine finances. Maggie spent her twenties traveling the world and is now laser-focused on building her future, while Justin shares her love for travel but envisions a future together. With Maggie making life plans that might not include him, Justin is left feeling hurt and uncertain. Can they bridge the gap and take their relationship to the next level?

This episode is brought to you by:

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

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

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.

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

• Get tickets to Money for Couples LIVE coming to a city near you in January

Connect with Ramit

• Get my new book: Money for Couples

• Get the Podcast Newsletter and watch me analyze an anonymous couple's spending each Saturday

• 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.

This week we are back with part two of Nate and Serena's follow-ups. Their original appearance on episodes 73 & 74 are some of our favorite episodes of the podcast, and it is very rare that I get a chance to speak to a couple after their episode airs.

Join us as we revisit moments from their first episode together, learn what changes they've made, and go over their NEW conscious spending plan two years later. I think you're gonna be surprised.

This episode is brought to you by:

NordVPN | Get a huge discount on a 2 year plan plus 4 additional bonus months at https://nordvpn.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.

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.

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.

Links mentioned in this episode

• Get tickets to Money for Couples LIVE coming to a city near you in January

Connect with Ramit

• Pre-order my upcoming book: Money for Couples

• Get the Podcast Newsletter and watch me analyze an anonymous couple's spending each Saturday

• 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.