Money For Couples with Ramit Sethi

Kate (45) and Keith (53) split their time between Maine and Hawaii, living what looks like a dream life. They’ve inherited wealth, run two small businesses, and have nearly $2 million in net worth. But with only $30,000 in annual income, they live in fear of spending—and cover their shortfall by dipping into savings. Kate, recovering from long COVID, handles the finances but feels unworthy of her money. Keith, who once filed for bankruptcy, avoids money conversations entirely and worries he’ll be seen as a freeloader. Their roles are clear—one over-responsible, one disengaged—and their financial anxiety keeps them stuck. They say they want to travel, be generous, and enjoy their Rich Life. But, how do you build a Rich Life when you’ve been taught to feel ashamed of the money you have? This episode is brought to you by: 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 [https://facet.com/ramit] to learn more about which membership option is best for you. Ramit Sethi 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. Notion | Try Notion for free at https://notion.com/ramit [https://notion.com/ramit] and experience the powerful, easy-to-use Notion AI today. ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit [https://zocdoc.com/ramit] then find and book a top-rated doctor today. Upwork | Visit https://upwork.com [https://upwork.com/] to post your job for free and connect with top talent ready to help your business grow. Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit [https://joingelt.com/ramit]. As a member of my community, you can skip the waitlist. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit [https://joindeleteme.com/ramit] for 20% off. Links mentioned in this episode • Get detailed breakdowns of my readers' spending every Saturday in my newsletter at iwt.com/podcastnewsletter [https://iwt.com/podcastnewsletter] • Order my new book: Money for Couples [https://iwt.com/moneyforcouples] Connect with Ramit • Get Money Coaching with Ramit [https://iwt.com/moneycoaching] • Download the Conscious Spending Plan [https://iwt.com/csp] • Listen to my book—now on Audible [https://amzn.to/48zko28] • Get my New York Times best-selling book [https://amzn.to/3HGwbkK] • Get my no-numbers journal [https://amzn.to/3j6Tmuf] • Other episodes [https://www.iwillteachyoutoberich.com/podcast/] • Instagram [https://www.instagram.com/moneyforcouples] • Twitter [https://twitter.com/ramit] • YouTube [https://www.youtube.com/user/ramitsethi/featured] 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 [https://iwt.com/apply].

Vanessa (48) and George (59) have been married for five years and run two businesses together, but still keep their finances separate, leading to recurring tension, resentment, and financial instability. Vanessa is a risk-tolerant entrepreneur who sees money as a tool for growth. George is nearing retirement, risk-averse, and clings to financial security. They split everything 50/50, even when Vanessa stopped drawing a paycheck from their business. Now, with $482K in debt and $28K in savings, George’s retirement is looming, making their financial foundation feel unstable. His fear-based money spirals derail productive conversations, while Vanessa feels alone, unsupported, and afraid their misalignment could threaten their future. Can they learn to trust each other, merge their financial lives, and build a shared vision before retirement kicks in? This episode is brought to you by: Factor | Get 50% off plus free shipping on your first box at https://factormeals.com/ramit50off [https://factormeals.com/ramit50off] with code RAMIT50OFF. Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit [https://rocketmoney.com/ramit]. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit [https://masterclass.com/ramit]. Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit [https://trustandwill.com/ramit] and get 10% off plus free shipping. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try LMNT’s most popular flavors. Get yours at https://drinklmnt.com/RAMIT [https://drinklmnt.com/RAMIT]. Links mentioned in this episode • Order my new book: Money for Couples [https://iwt.com/moneyforcouples] Connect with Ramit • Get Money Coaching with Ramit [https://iwt.com/moneycoaching] • Download the Conscious Spending Plan [https://iwt.com/csp] • Listen to my book—now on Audible [https://amzn.to/48zko28] • Get my New York Times best-selling book [https://amzn.to/3HGwbkK] • Get my no-numbers journal [https://amzn.to/3j6Tmuf] • Other episodes [https://www.iwillteachyoutoberich.com/podcast/] • Instagram [https://www.instagram.com/moneyforcouples] • Twitter [https://twitter.com/ramit] • YouTube [https://www.youtube.com/user/ramitsethi/featured] 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 [https://iwt.com/apply].

In this rare and intimate episode, Ramit takes the hot seat alongside his wife, Cassandra, as they’re interviewed by their close friend Julie Nguyen. Together, Ramit and Cass pull back the curtain on how they navigate money behind the scenes—from prenup negotiations and separate finances to the regular money meetings that keep them aligned. They open up about the challenges they've faced as a couple and reveal how, despite Ramit's career, they’re just as susceptible to money issues as any other couple on this podcast. This conversation is an honest look at what it really takes to build a true financial partnership—and a marriage that lasts. This episode is brought to you by: 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 [https://facet.com/ramit] to learn more about which membership option is best for you. Netsuite | Download the free e-book 'Navigating Global Trade: Three Insights for Leaders' at https://netsuite.com/ramit [https://netsuite.com/ramit] ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit [https://zocdoc.com/ramit] then find and book a top-rated doctor today. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit [https://joindeleteme.com/ramit] for 20% off. 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 [https://meetfabric.com/ramit]. Links mentioned in this episode • Order my new book: Money for Couples [https://iwt.com/moneyforcouples] • Follow Julie [https://www.instagram.com/dreamlifebyjulie/?hl=en] Connect with Ramit • Get Money Coaching with Ramit [https://iwt.com/moneycoaching] • Download the Conscious Spending Plan [https://iwt.com/csp] • Listen to my book—now on Audible [https://amzn.to/48zko28] • Get my New York Times best-selling book [https://amzn.to/3HGwbkK] • Get my no-numbers journal [https://amzn.to/3j6Tmuf] • Other episodes [https://www.iwillteachyoutoberich.com/podcast/] • Instagram [https://www.instagram.com/moneyforcouples] • Twitter [https://twitter.com/ramit] • YouTube [https://www.youtube.com/user/ramitsethi/featured] 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 [https://iwt.com/apply].

Clara (29) and Devin (34) are married with three young kids, trying to build a future while juggling debt, stress, and wildly different approaches to money. Clara racked up $20,000 in credit card debt, while Devin chooses to gamble instead of investing for retirement. They earn well and own two properties, but with zero savings, 75% in fixed costs, and no shared goals, their financial foundation is crumbling. Underneath the spreadsheets and the spending is a toxic parent-child dynamic, causing Clara to feel disempowered and ashamed, while Devin’s “dreamer” mindset leads him to believe the next big win will fix everything. Can they dismantle these roles, get honest about their spending, and rebuild as true partners before it’s too late? This episode is brought to you by: Superhuman | Get a free month of lightning fast email at https://superhuman.com/ramit [http://superhuman.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 [https://drinklmnt.com/RAMIT] Notion | Try Notion for free at https://Notion.com/ramit [https://notion.com/ramit] and experience the powerful, easy-to-use Notion AI today. 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 [https://facet.com/ramit] to learn more about which membership option is best for you. Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit [https://shopify.com/ramit] If you're enjoying the Money for Couples podcast, I'd love to hear more about you and what you think of the podcast. Take this five minute survey at https://iwt.com/audiopod [https://iwt.com/audiopod]. Links mentioned in this episode • Fill out my listener survey [https://iwt.com/audiopod] • Order my new book: Money for Couples [https://iwt.com/moneyforcouples] Connect with Ramit • Get Money Coaching with Ramit [https://iwt.com/moneycoaching] • Download the Conscious Spending Plan [https://iwt.com/csp] • Listen to my book—now on Audible [https://amzn.to/48zko28] • Get my New York Times best-selling book [https://amzn.to/3HGwbkK] • Get my no-numbers journal [https://amzn.to/3j6Tmuf] • Other episodes [https://www.iwillteachyoutoberich.com/podcast/] • Instagram [https://www.instagram.com/moneyforcouples] • Twitter [https://twitter.com/ramit] • YouTube [https://www.youtube.com/user/ramitsethi/featured] 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 [https://iwt.com/apply].

Sunnie (29) and Jazmyne (30) are a queer couple trying to build their life together—buy a house, bring a child into their family, and create long-term financial security. But with just one primary income and a major surgery planned for next year, every decision feels high stakes. They earn a combined $180,000 and just bought their first home; but between rising costs, paycheck-to-paycheck living, and intense pressure on Sunnie as the breadwinner, their financial conversations often swing from optimistic to explosive. With no shared plan, no savings for a wedding, and looming fears about safety and stability, can they align on a vision for their future—and build a financial plan that supports it? This episode is brought to you by: Gelt | If you’re ready for a more premium, proactive tax strategy to optimize and file your taxes, check out Gelt at https://joingelt.com/ramit [https://joingelt.com/ramit]. As a member of my community, you can skip the waitlist. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit [https://joindeleteme.com/ramit] for 20% off. Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit [https://trustandwill.com/ramit] and get 20% off plus free shipping. ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit [https://zocdoc.com/ramit] then find and book a top-rated doctor today. Leesa | Go to https://leesa.com [https://leesa.com/] for 30% off mattresses + Free Sleep Bundle (2 Free Pillows and Microfiber Sheet Set), PLUS get an extra $50 off with promo code ramit, exclusive for my listeners. If you're enjoying the Money for Couples podcast, I'd love to hear more about you and what you think of the podcast. Take this five-minute survey at iwt.com/podcastsurvey [http://iwt.com/podcastsurvey]. Links mentioned in this episode • Fill out my listener survey [https://iwt.com/podcastsurvey] • Order my new book: Money for Couples [https://iwt.com/moneyforcouples] Connect with Ramit • Get Money Coaching with Ramit [https://iwt.com/moneycoaching] • Download the Conscious Spending Plan [https://iwt.com/csp] • Listen to my book—now on Audible [https://amzn.to/48zko28] • Get my New York Times best-selling book [https://amzn.to/3HGwbkK] • Get my no-numbers journal [https://amzn.to/3j6Tmuf] • Other episodes [https://www.iwillteachyoutoberich.com/podcast/] • Instagram [https://www.instagram.com/moneyforcouples] • Twitter [https://twitter.com/ramit] • YouTube [https://www.youtube.com/user/ramitsethi/featured] 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 [https://iwt.com/apply]. Produced by Crate Media [https://crate.media].