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:

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.

Tim Ferriss | Check out The Tim Ferriss Show on all podcast platforms and sign up for his FREE 5-Bullet Friday Newsletter at https://tim.blog.

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

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

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.

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?

This episode is brought to you by:

Hatch | A million things don’t want you to sleep, Hatch does. Get $20 off a Hatch Restore and free shipping at https://hatch.co/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.

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.

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.

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.

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.

Viator | Download the Viator app and use code VIATOR10 for 10% off your first travel experience with Viator.

Thinkific | The same platform I use to build online courses online https://thinkific.com.

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 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.

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.

Elizabeth and Jonathan are in their mid-thirties, have been married for 13 years, and share a young daughter. They bought a starter home after getting married, but expensive renovations are still underway. They struggle with debt and spend a lot on their child. They’re wondering—is this it?

This episode is brought to you by:

Viator | Download the Viator app and use code VIATOR10 for 10% off your first travel experience with Viator.

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.

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.

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

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

• “We’re broke, but I spend $350/mo on clothes” (Part 2)

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.

Callie and Travis, 36 and 39, have two kids and live in southern Texas near the ocean. They’ve made a conscious decision to run their own small businesses without the pressure of climbing a corporate ladder. But how relaxed is too relaxed? Callie is ready to get serious; is Travis?

This episode is brought to you by:

Pique Tea | Get up to 15% off and 12 tea samples at https://piquelife.com/ramit.

Eight Sleep | For a better, smarter sleep, go to https://eightsleep.com/ramit for $200 and free shipping. 

Thinkific | The same platform I use to build online courses online https://thinkific.com.

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

Babbel | Right now, when you purchase a 3-month Babbel subscription, you’ll get an additional 3 months for FREE. Just go to https://Babbel.com and use promo code RAMIT.

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.

Ashley and Christopher, 30 and 28, recently got engaged and look forward to planning a wedding, having kids, etc. But Christoper has lived with credit card debt his whole life. As an accountant, he feels like he’s got it under control. Ashley worries about what his spending means for their future.

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.

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.

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

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.

Erik is 44 and Andrea is 43. They’re trying to determine what to do with a bump in income. Andrea wants to save for college tuition, because that’s what her parents did. Erik’s did not, so he’d rather use it elsewhere. Can they overcome their inherited patterns and come together on a shared vision?

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.

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

Eight Sleep | For a better, smarter sleep, go to https://eightsleep.com/ramit for $200 and free shipping. 

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.

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

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.

Kristin is 32 and David is 38. They share five kids in a blended family and David is getting close to military retirement. The problem is their spending—fueled by emotions alone, they make purchase after purchase, soaring over set budgets and putting the future of their family at risk.

This episode is brought to you by:

Thinkific | The same platform I use to build online courses online https://thinkific.com.

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.

Pique Tea | Get up to 15% off and 12 tea samples at https://piquelife.com/ramit.

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

Viator | Download the Viator app and use code VIATOR10 for 10% off your first travel experience with Viator.

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.

Brad and Angie, 55 and 56, are each 10 years into a second marriage. With six adult children out of the house, they’re planning to buy an RV and tour the country in as little as two years. Carrying credit card debt, student loans, a HELOC, mortgage, and only $3,000 saved—can they?

This episode is brought to you by:

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.

Eight Sleep | For a better, smarter sleep, go to https://eightsleep.com/ramit for $200 and free shipping. 

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

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.

Amy and Tori are in their late 20s. They recently got married and honeymooned in Greece, racking up tens of thousands of dollars in credit card debt. A brand new house, changing jobs, and influential backgrounds all come into play as they work on a plan to pay it down.

This episode is brought to you by:

AG1 | Take ownership of your health with AG1. Get one year’s supply of Vitamin D3 K2 and five free AG1 travel packs with your first purchase at https://drinkAG1.com/ramit.

Babbel | Right now, when you purchase a 3-month Babbel subscription, you’ll get an additional 3 months for FREE. Just go to https://Babbel.com and use promo code 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.

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

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.