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

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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.

What happens to the couples that I’ve spoken to months, even years ago? It’s time to find out in our first follow-up episode, featuring Nate and Serena from episodes 73 & 74 of the podcast.  

We're looking back on their original conversation, and then both Nate and Serena will be back next week to share where they’re at today, and their reactions from watching their original episode. They were incredibly honest, sometimes brutally honest, and also very sweet.

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.

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.

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

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

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.

David (36) and Victoria (35) have been married for two years, yet their finances are largely separate. David is a startup founder—cash strapped and optimizing his monthly take home pay. Victoria is a wildly successful entrepreneur who struggles to appreciate her accomplishments. Despite their immense wealth, David and Victoria's money psychology is holding them back. Can they ditch their old money mindsets and embrace their rich life?

This episode is brought to you by:

Aura Frames | Save on the perfect gift by visiting https://auraframes.com to get $35-off Aura’s best-selling Carver Mat frames by using promo code RAMIT at checkout.

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.

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.

Mint Mobile | To get your new wireless plan for just $15 a month, go to https://mintmobile.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 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.

Meet Ava, 36, and Chris, 38. When it comes to their finances, they do not see eye to eye; and they’re stuck in a cycle of overspending. Ava is a worrier who uses a labor-intensive ledger to track expenses, taking tons of time and energy every month (although they’re still in debt). Chris doesn't like Ava's approach, but he's sick of fighting about it.

They just sold their house, and now they need my help to get on the same page before they make their next move. Can Ava and Chris set aside their finances and create a new way to talk about money together?

This episode is brought to you by:

Our Place | Use code RAMIT to receive 10% sitewide at https://fromourplace.com.

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

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

Pique Tea | Get up to 20% off plus a free starter kit at https://piquelife.com/ramit.

Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit.

Links mentioned in this episode

• 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.

Dawn is 48, Richard is 43, and they’re living paycheck to paycheck. Although they're engaged, they’re struggling to combine their finances because of their varied pasts. Dawn is overspending on kids and grandkids, and Richard has deep scars from a financially devastating breakup. Can they move beyond their past money stories and get aggressive about investing for retirement?

This episode is brought to you by:

Aura Frames | Save on the perfect gift by visiting https://auraframes.com to get $35-off Aura’s best-selling Carver Mat frames by using promo code RAMIT at checkout. 

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.

LegalZoom | Launch, run, and protect your business to make it official today at https://legalzoom.com and use promo code RICHLIFE to get 10% off any LegalZoom business formation product excluding subscriptions and renewals.

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

Links mentioned in this episode

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

Connect with Ramit

• Pre-order my upcoming book: Money for Couples

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

• Get Money Coaching with Ramit 

• Download the Conscious Spending Plan

• Listen to my book—now on Audible

• Get my New York Times best-selling book

• Get my no-numbers journal

• Other episodes

• Instagram

• Twitter

• YouTube

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.