Emma (39) and Dave (39) make $258,000 a year—but they’re stuck in a toxic money dynamic. She built a financial plan during maternity leave. He didn’t believe her. Now, they’re battling over trust, $50K in debt, and whether they can afford a $700K house.

With conflicting money roles—she’s the anxious planner, he’s the passive skeptic—they can’t move forward. In this episode, Ramit breaks down their “chaser/avoider” dynamic, the emotional cost of skepticism, and how to finally create a shared vision.

This episode is brought to you by:

Stamps.com | Sign up at https://stamps.com/ramit for a special offer that includes a 4-week trial, plus free postage, and a free digital scale.

Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 20% off plus free shipping.

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.

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

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

• 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.

Today’s episode takes us to New York City, where I sit down with not two, but three couples live on stage at my Money for Couples event.

First, meet Antonio (23) and Devonta (23), a young couple who in their 20s are already ahead of the game—earning money while finishing their degrees, having real conversations about finances, and even purchasing a home together.

Next, we meet Pam (38) and Nic (40), who are struggling with a classic money dynamic: one partner earns significantly more and wants to “rescue” the other from financial stress. But as they discover, money alone can’t solve deeper issues of self-worth and financial confidence.

And finally, for the first time ever on this show, a very special surprise guest joins me on stage. You don’t want to miss this!

This episode is brought to you by:

Leesa | Go to https://leesa.com for 20% off sitewide PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners.

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

Upwork | Visit https://upwork.com to post your job for free and connect with top talent ready to help your business grow.

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

Links mentioned in this episode

• 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.

Wilson (46) and Shannon (35) have built a strong financial foundation—owning a vacation rental, maxing out Roth IRAs, and earning solid incomes. But when it comes to their next move, they’re at odds.

Wilson wants to tap into their home equity to invest in stocks, believing they’re too heavily weighted in real estate. Shannon, more risk-averse, worries about adding debt when they already owe $129K on their home, plus tax and student loans.

Can they align on a strategy that balances security with growth?

This episode is brought to you by:

Gelt | Get a more premium, proactive tax strategy to optimize and file your taxes at https://joingelt.com/ramit.

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

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 | 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

• 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 today’s episode, we’re live from Boston for my recent Money For Couples book tour.

First, I talk with Robert (28) and Giselle (28) who appear to have it all together, but behind the scenes, they’re struggling to make intentional financial decisions. Instead of planning ahead, they make impulsive decisions like committing $7,500 of earnest money to a new home that they can’t afford. Now, they’re questioning if they can still plan the wedding they want.

Then we’ll meet Sara (28) and Jay (28) who are newly married and learning how to navigate finances together. Sara is a disciplined saver who avoids debt, while Jay is a big-picture dreamer—planning elaborate vacations without considering the cost. Sara has graciously agreed to help Jay pay off his debt, but was blindsided when Jay revealed the full amount post-honeymoon. Now, as they plan for homeownership and parenthood, trust and transparency are more important than ever.

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.

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

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.

Links mentioned in this episode

• Start earning $1k on the side in 30 days—using skills you already have at iwt.com/earn1k

• 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: https://iwt.com/apply

Produced by Crate Media.

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.