Kate is a 43-year-old mom and homeschool teacher. Drew is a 50-year-old professor. They’re $480k in debt with no savings and no retirement plan. Kate is panicking—but Drew refuses to talk about it, and neither of them are willing to make big spending cuts or say “no” to their kids’ expenses. 

This episode is brought to you by:

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

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.

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

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 Money Coaching with Ramit 

• Get my New York Times best-selling book

Connect with Ramit

• Pre-order my upcoming book: Money for Couples

• 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.

Live from Seattle, I work with 2 couples on stage. Sophia is a 41 y/o ultrasound tech. Charley is a 40/yo filmmaker. They don’t combine finances because she can’t trust him with money. Megan, a 37/yo dentist, and Ryan, a 36 y/o software engineer, are worth $4.2M—but they still haggle over small purchases.

This episode is brought to you by:

99designs by Vista | Get $50 off your first design contest at https://99designs.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.

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

Babbel | For our listeners only, get 60% off your Babbel subscription at https://Babbel.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.

Links mentioned in this episode

• Pre-order my upcoming book: Money for Couples

• Get your ticket for my January book tour 

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.

Jason, 40, and Megan, 34, return to make a plan before Megan gives birth. Jason wants to pay off debt—but refuses to sell his 8 cars. Megan wants equal spending money—even though she’s making 0 income. They need to get on the same page before their family grows, but they’re running out of time. 

This episode is brought to you by:

Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 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.

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

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.

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

Links mentioned in this episode

• Pre-order my upcoming 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.

Jason is a 40 y/o COO. Megan is a 34 y/o flight attendant and they’re about to have a baby. Megan wants to take 1 year maternity leave—Jason is stressing about how it will affect their finances. While they have a $3M net worth, they’re both in credit card debt and their lack of joint finances makes it hard to make a plan. 

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. 

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.

Trustworthy | Save 10% on an upgrade to keep your family’s information safely stored at https://trustworthy.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.

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

Links mentioned in this episode

• Download the Conscious Spending Plan

• Pre-order my upcoming book: Money for Couples

Connect with Ramit

• Pre-order my upcoming book: Money for Couples

• 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.

Mindy is a 39-year-old software consultant. Victor is a 25-year-old boxing gym owner. They have fundamentally different views on money, and it’s causing tension in their relationship. Mindy wants an equal partner, but Victor struggles to talk about money—and they won’t get married until they’re on the same page.  

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.

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.

99designs by Vista | Get $50 off your first design contest at https://99designs.com/ramit.

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

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

Links mentioned in this episode

• Download the Conscious Spending Plan

• Pre-order my upcoming book: Money for Couples

• Get my no-numbers journal

Connect with Ramit

• Pre-order my upcoming book: Money for Couples

• 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.

Meet Forest, 40, and Kathleen, 43, a couple living in California with two kids. Despite Forest’s $300k salary, they’ve racked up $150k in credit card debt. They want to maintain their adventurous lifestyle, but the reality of their finances is catching up. Can they change their mindset on money before it’s too late?

This episode is brought to you by:

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

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

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

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

• Pre-order my upcoming book: Money for Couples

Connect with Ramit

• Pre-order my upcoming book: Money for Couples

• 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.

Michelle, 42, Ryan, 43, return for a deep dive into their Conscious Spending Plan. They spend $763 a month on Target, $1,185 a month on Amazon, and $1,230 on groceries—carrying a fixed-costs percentage of 113%. Drastic changes are needed, but Michelle isn’t convinced anything can be done to save their outlook.

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.

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.

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

Babbel | For our listeners only, get 60% off your Babbel subscription at https://Babbel.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.

Links mentioned in this episode

• “We saved for retirement but have no money to spend NOW” (Part 1)

Connect with Ramit

• Pre-order my upcoming book: Money for Couples

• 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.

Michelle is 42, Ryan is 43. They’ve been married for 9 years and share three young children. Michelle worries about money; she always has. Ryan knows they’re in trouble, but can’t say no to their kids. On one income, spending outpaces earning—slowly draining their savings and weighing them down with dread over the future. 

This episode is brought to you by:

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.

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 | 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.

99 Designs | Get $50 off your first design contest at 99designs.com/ramit.

Links mentioned in this episode

• “We spend 113% of what we make—but can’t do anything to fix it” (Part 2)

Connect with Ramit

• Pre-order my upcoming book: Money for Couples

• 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.

Katy and David are both 32. She just got into a PhD program—one she’s very excited about! But David replied by peppering her on possible outcomes, timing, and most of all, cost. It’s just one stark demonstration of how they’re misaligned on money, but many more examples come to light.

This episode is brought to you by:

Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 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.

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

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

Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit.

Links mentioned in this episode

• Pre-order my upcoming book: Money for Couples

Connect with Ramit

• 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.

Noor, 32, and Jibran, 34, join me in our first ever recording in front of a live audience at my Philadelphia event. They make $250,000 in a low cost of living area. Noor wants to finally take a vacation and spend on things that make their life easier. Jibran would rather save, opting to cook and do chores himself.

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.

Grammarly | Easier said? Done. Save time with one click. Sign up and download for free at https://grammarly.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.

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

• Pre-order my upcoming book: Money for Couples

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

Connect with Ramit

• 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.