Mindy and Carl are in their early 50s with two teenage children and a successful track record flipping real estate that’s helped them build a $4.3M fortune. But as devoted members of the Financial Independence community, they struggle to talk, think, and spend it in healthy ways.

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Links mentioned in this episode
• Get the Podcast Newsletter and exclusive Q&A about the show
Connect with Ramit
• Get Money Coaching with Ramit 
• Download the Conscious Spending Plan
• Get my New York Times best-selling book
• Get my no-numbers journal
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• Instagram
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• Submit a question for the newsletter iwt.com/askramit 

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.

108. “We achieved FIRE with $4.3M. Why can’t we enjoy it?”

Imagine listening in on these raw, unfiltered conversations with real couples… One partner is in $300,000 in debt, but shrugs it off. The other cries at night, anxious about the future. A couple that’s so worried about money, they never feel they’ll have enough. When they eat out, they order chicken instead of steak to save $10. Their household income: $600,000. Two parents who feel overwhelmed by work, kids, and debt. When I ask them how they’d describe their lives, they instantly say the same word: “Stuck.” Ramit Sethi asks the questions we wish we all could ask, presenting a totally different philosophy on money: • Spend extravagantly on the things you love, as long as you cut costs mercilessly on the things you don’t. • Ask $30,000 questions, not $3 questions. • A Rich Life is more than math -- it’s mastering your money psychology. From the author of the bestselling book, ‘I Will Teach You To Be Rich,’ learn how money psychology affects these couples… and how to create your own Rich Life.

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Kevin and Michelle, 32 and 30, joined me live in New York City earlier this year for our very first in-person interview. They have one young child and another on the way, but they can’t stop spending. With low savings, their debt mounts while they both lease luxury vehicles.
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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
• "My husband doesn’t trust me to run our business" #1
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
• Submit a question for the newsletter iwt.com/askramit 
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.

154. “We’re drowning in debt, but I drive a BMW”

Allison is 36 and Dan, 37. They’re married with two kids living in a HCOL mountain town—a market variable that’s influenced them to sell her condo and supercharge their retirement investments with the profits. The condo is listed for sale, but Dan doesn’t trust her enough to combine their finances.
This episode is brought to you by:
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Links mentioned in this episode
• Ramit Sethi on The Tim Ferriss Show
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
• Submit a question for the newsletter iwt.com/askramit 
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.

153. “We’re married. Why do I have to ask him for money?”

Fernando and Anushka, 30 and 31, live in San Diego and earn high incomes—matching $135,000 salaries, in fact. They have healthy investment and savings rates, send money to his family back home, and rent a nice apartment. They’re living their Rich Lives, or are they?
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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
• “My parents keep expecting us to pay for them” #7
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
• Submit a question for the newsletter iwt.com/askramit 
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.

152. “The world is going to end. So why bother investing?”

Peter and Megan, 36 and 37, are married with no kids but severe financial stress threatens their future together. Peter has grown to resent Megan’s unwillingness to seek a higher income. He’s changed jobs, but won’t consider selling any of their seven vehicles to alleviate their stress.
This episode is brought to you by:
Pique Tea | Get up to 15% off and 12 tea samples at https://piquelife.com/ramit.
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Links mentioned in this episode
• “I pretend things are fine, but we’re 2 months from going bankrupt” #78
• “We 4x’d our salary as COVID nurses. The experience haunts us. So does the money” #75
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
• Submit a question for the newsletter iwt.com/askramit 
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.

151. “Our gas is about to get shut off, but I refuse to sell any of my 7 cars”

In part two with Elizabeth and Jonathan, 36 and 38, we continue unpacking their complicated personal backgrounds with money as they relate to current spending, investing, and saving habits. They’re stuck in a loop of debt and financial stress, but are they ready to make positive changes?
This episode is brought to you by:
Sidebar | Join thousands of leaders from companies like Microsoft, Amazon, and Meta who have taken the first step towards accelerating their career https://sidebar.com
Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit.
Netsuite | Get visibility to everything in your business one 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.
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
• “We have no savings but bought our kid a $500 toy for Christmas” (Part 1)
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
• Submit a question for the newsletter iwt.com/askramit 
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.

108. “We achieved FIRE with $4.3M. Why can’t we enjoy it?”

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