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Every episode
Money For Couples with Ramit Sethi
30 episodes
273. "We Spend 139% of our Income and still fund our adult kids"
Aug 11, 2026 · 2 hr 2 min
Ramit Sethi of I Will Teach You To Be Rich speaks with Mary and Harry, 57 and 62, who are approaching retirement while spending more than they earn every month. They have a blended family of seven adult children and continue stepping in whenever one of them needs money, housing support, childcare, repairs, or help managing another crisis. Mary handles nearly all of their finances and feels overwhelmed almost every day. Harry’s income is inconsistent, and about a year ago, he revealed that he had…
272. "We own two houses, but can’t afford dinner out"
Aug 4, 2026 · 1 hr 58 min
Ramit Sethi of I Will Teach You To Be Rich speaks with Nicole and Drew, 39 and 40, who are expecting their first child in just two weeks. They split their time between Southern California and Maui, where they each own a home. Nicole bought her house after Drew made it clear that continuing to stay with roommates was not an option. Today, they earn $296,700 a year, own $1.25 million in assets, and have a net worth of more than $500,000. But their two homes consume over 40% of their income, and on…
271. "He hid $30K of debt a month before our wedding"
Jul 28, 2026 · 1 hr 59 min
Ramit Sethi of I Will Teach You To Be Rich speaks with Sana and Arhem, both 27 and newly married. One month before their wedding, Arhem revealed that he had hidden $30,000 of credit card debt. After they both lost their jobs, Sana discovered that he had fallen even further into debt without telling her. Today, they earn $188,000 a year and have created an aggressive plan to tackle their $165,000 of total debt. But while their numbers are improving, the betrayal has fundamentally changed their re…
270. “We’re sacrificing our retirement to pay for our kids’ college”
Jul 21, 2026 · 1 hr 39 min
Ramit Sethi of I Will Teach You To Be Rich talks to Mia and Jake, a couple in their late 30s and early 40s in a blended family with three children. Mia wrote in because she’s afraid paying for their children’s college will cause resentment in their relationship. With no idea how much they are spending, why, or what they truly want their money to do for them, Ramit helps them uncover the root of their money woes. Will they finally get on the same page, create a financial system that works, and fe…
269. "I want to retire, but my wife is too scared"
Jul 14, 2026 · 1 hr 55 min
Ramit Sethi of I Will Teach You To Be Rich talks to Meg and Jo, a married couple in their 60s with more than $6 million in net worth, strong incomes, and a retirement problem that is not really about money. Meg is ready to stop working. Jo wants to retire too, but feels terrified of making the wrong decision and carrying the responsibility for their investments alone. Despite having millions, speaking with financial advisors, and living well below their means, they remain stuck between fear, res…
268. "We Make $150K… So why are we broke?"
Jul 7, 2026 · 1 hr 29 min
Ramit Sethi of I Will Teach You To Be Rich talks to Lauren and Mick, a married couple in their 30s with two kids, $93K of debt, and a dream of moving into a bigger home. They earn around $150K a year combined, but with 89% of their take-home pay already going to fixed costs, just $5K in savings, and years of impulsive spending, their money is stretched far beyond what their lifestyle can support. Both Lauren and Mick have ADHD, which they say makes it harder to manage bills, avoid dopamine spend…
267. "She makes 2x more than me. I feel ashamed."
Jun 30, 2026 · 1 hr 25 min
Ramit Sethi of I Will Teach You To Be Rich talks to Maria and Andre, a married couple in their 50s navigating a difficult retirement gap. Maria has built nearly $500K in net worth, a strong pension, and a clear path toward retirement. Andre, who moved from Brazil and only recently received his green card, is rebuilding his career in the United States with just $16K saved for retirement. They earn around $187K a year combined, but their financial tension is not really about the numbers. Andre fee…
266. "We’re in our 30s fighting over $1000. Can we fix this?"
Jun 23, 2026 · 1 hr 59 min
Ramit Sethi of I Will Teach You To Be Rich talks to Alexis, 29, and Edwens, 30, a married couple with a 10-month-old baby and two completely different ideas of what money should look like in a marriage. Edwens immigrated from the Dominican Republic less than two years ago, and personal finance is still new to him. Alexis has been trying to teach him, manage the bills, build the budget, and create a future for their family. And yet, their biggest fight keeps coming back to one question: Why won’t…
265. "We spend 179% of what we make. Are we screwed?"
Jun 16, 2026 · 1 hr 53 min
Ramit Sethi of I Will Teach You To Be Rich talks to Melissa and Taryn, a married couple in their 40s living in Los Angeles with five children. They have a net worth of over $700K, nearly half a million invested, and a successful business, but their finances are on the edge. After Taryn took a $75K pay cut and was later laid off from Netflix, they continued building a $200K pool, took on a $100K family loan, and now face fixed costs of 179%. Ramit helps them confront the brutal math behind their…
264. "We’re worth $4M. Why is she so terrified to spend?"
Jun 9, 2026 · 1 hr 52 min
Ramit Sethi of I Will Teach You To Be Rich talks to J and Ana, a couple in their early 40s with three children who have built nearly $4 million in net worth through decades of hard work, saving, and real estate investing. On paper, they are in an incredible financial position. They have around $4.8 million in assets, more than $1.2 million invested, $136K in savings, and a net worth just under $4 million. But despite all of that, they still don’t feel free. J applied because he feels like they’v…
263. "We spend 102% of what we make. Will we ever stop drowning?"
Jun 2, 2026 · 1 hr 40 min
Ramit Sethi of I Will Teach You To Be Rich talks to Freya and Blake, a couple in their mid-40s with two young children who are facing one of the most urgent financial situations we’ve seen on the show. Together, they earn around $143K a year, but their fixed costs are at 102%, they have $0 in savings, only $180 invested, and more than $96K in debt. Freya applied because she feared they were close to becoming homeless. On the surface, their problem looks like debt. Underneath, it’s avoidance, gui…
262. "We make $167k. Why do we feel poor?"
May 26, 2026 · 1 hr 53 min
Ramit Sethi of I Will Teach You To Be Rich talks to Drew and Amanda, a married couple earning around $167,000 a year with a net worth of over $800,000. On paper, they look financially successful but behind the scenes, their fixed costs are dangerously high, their savings are low, and their spending decisions are causing tension in the relationship. Drew admits he struggles with spending, while Amanda finds it difficult to say no, leaving them stuck in a pattern where money feels stressful instea…
261. "We’re in our 40s with nothing saved. Will we be ok?"
May 19, 2026 · 1 hr 33 min
Ramit Sethi of I Will Teach You To Be Rich talks to Sebastien and Hope, a married couple in their forties who have been together for 20 years, married for 16, and have a nine-year-old son. They earn around $195,000 a year, have $674,000 in assets, $129,000 invested, just $11,000 in savings, and $437,000 in debt. On paper, they are not broke, but emotionally, Sebastien still feels like they are constantly scrambling, while Hope believes their personal finances are in the best place they have ever…
260. "We’re in our 40s and forgot to invest. Are we screwed?"
May 12, 2026 · 1 hr 53 min
Ramit Sethi of I Will Teach You To Be Rich talks to Nicole and Shane, an engaged couple in their forties getting married in just 11 days. Together they earn $241,000 a year, have a net worth of $588,000, and hold $265,000 in savings, but their financial lives are still tangled. Nicole has built a rich life around travel, dining out, and intentional spending, while Shane is a natural saver whose job has covered most of his living expenses. As they prepare for marriage, a future child, and a major…
259. "We’re worth $1.5M but I refuse to buy new pants"
May 5, 2026 · 1 hr 46 min
Ramit Sethi of I Will Teach You To Be Rich talks to Mikaela and Dave, both in their early thirties, parents of two young children, and earning an impressive $278,000 a year. Despite a net worth nearing $1.5 million, they struggle to spend money, even on necessities. Mikaela wears clothes with holes, and Dave sits in an uncomfortable chair, all rooted in a scarcity mindset developed from past challenges and recent life events. Ramit helps them explore their money beliefs, encouraging them to rede…
258. "We had $900K. Now we’re $100K in debt"
Apr 28, 2026 · 1 hr 34 min
Ramit Sethi of I Will Teach You To Be Rich talks to Kristina and Erin, a married couple who have been together for 10 years, raising two children in Toronto. They make good money, but they have no system for their finances, which has led to years of avoidance. They've accumulated $106K in debt and have only two weeks of savings. While Erin, the "stable one," has a full-time job, Kristina’s entrepreneurial journey has been marked by wildly inconsistent income, including a $50K loss on NFTs. They…
257. "We really want a house - but have $0 in savings"
Apr 21, 2026 · 1 hr 49 min
Molly and Jason are 45 and 46, living together with a 2-year-old daughter. They earn $142,000 a year combined. They have $0 in savings, $46,000 in debt, and a net worth of just $4,842. They dream of buying a house, investing in real estate, and retiring early. But when Ramit opens their Conscious Spending Plan, the picture is stark. Fixed costs at 77%. No savings rate. $25,000 in credit card debt in Molly's name that Jason can't fully account for. And a financial system built entirely on Venmo t…
256. "We moved abroad for fun. Now we can’t afford to leave"
Apr 14, 2026 · 1 hr 54 min
Liza and Bradford earn $120,000 a year as expats in Colombia, South America. They have three kids, $273,000 in net worth, and by the standards of expat life, they live well. But they have $1,500 in savings, no savings rate, and a line of credit they treat like a rainy day fund. And for five years, Liza has been pushing to move back to Canada almost every single day. When Ramit opens their Conscious Spending Plan, the income isn't the issue. Investments are protected at all costs. Savings are non…
255. "I’m 40 and work 2 jobs. How are we still broke?"
Apr 7, 2026 · 1 hr 60 min
Ramit Sethi of I Will Teach You To Be Rich talks to Gabriella, 36, and Chris, 40, a married couple from Pennsylvania with four kids, zero savings, and $32,000 in credit card debt. They both work multiple jobs. Chris travels all week and picks up extra shifts on weekends. Gabriella juggles three income streams while running the household alone. And yet their fixed costs sit at 109% of their income and the debt keeps growing. What Ramit uncovers goes much deeper than the numbers. For years, Gabrie…
254. My $0 to $100k Playbook (full beginners guide)
Mar 31, 2026 · 57 min
Most people never find out when they'll have $100,000. Not because it's impossible, but because they never actually run the numbers. In this bonus episode, Ramit walks through the full picture: the compound interest math that most people ignore, the six-step system he recommends for getting to $100K, and the calculator that shows you the exact date it's going to happen for you. He also covers the four mistakes he sees people make over and over, including one that affects people who are otherwise…
253. "I’m 53, exhausted, and still living paycheck to paycheck"
Mar 24, 2026 · 2 hr 2 min
Ramit Sethi of I Will Teach You To Be Rich talks to Tania and Mike who are in their 50s, married 21 years, and earning over $225,000 a year. By most measures, they should be fine. But they’ve been trapped in the same debt cycle for two decades. Cashing out 401(k)s, borrowing from family, and digging themselves out only to fall right back in. Again and again. When Ramit opens their Conscious Spending Plan, the numbers are genuinely shocking. Fixed costs at 155%. Savings at 0%. Guilt-free spending…
252. "I’m 35, in debt, and spend everything I make"
Mar 17, 2026 · 1 hr 32 min
Ramit Sethi of I Will Teach You To Be Rich talks to Lina, 35, and Mike, 28, a married couple living in South Florida with their 8-month-old son. Despite earning almost $200,000 annually, they've been entangled in debt since their wedding three years ago. They consistently make plans to conquer their financial woes but never follow through. Their debt has soared to over $750,000, and their fixed costs devour 98% of their take-home pay, leaving them with zero savings. Lina attributes their financi…
251. "We own a $1M house but can’t pay for groceries"
Mar 10, 2026 · 1 hr 34 min
Ramit Sethi of I Will Teach You To Be Rich talks to John and Victoria in a follow-up episode. This couple, in their thirties with three children and a home in suburban New York, is facing severe financial challenges with 97% fixed costs and over $100K in non-mortgage debt. In their last session, Ramit highlighted the urgency of their situation, presenting them with two stark choices: sell their house and clear debt, or double down on income and aggressive cuts. They chose to keep their house, wh…
250. "We spend 97% of what we make—and can’t stop"
Mar 3, 2026 · 1 hr 23 min
Ramit Sethi of I Will Teach You To Be Rich talks to John and Victoria, a couple in their thirties with three children who own a home they adore in the suburbs of New York. Despite a beautiful house and growing family, their financial reality is grim. They are facing a structural financial problem, with 97% of their take-home pay consumed by fixed costs and less than a week's worth of savings. Ramit helps them confront the deep-seated issues that are keeping them in a constant state of financial…
249. "We have $2M. Why can’t we enjoy life now?"
Feb 24, 2026 · 1 hr 45 min
Ramit Sethi of I Will Teach You To Be Rich talks to Chris and Heather, a couple aged 41 and 39 respectively, who, despite earning over $450,000 annually and boasting a $2.18 million net worth, feel like they're living paycheck to paycheck. Heather, an accomplished healthcare professional, worries that despite their income, they aren't organizing their finances effectively, leading to a feeling of scarcity. Chris, who works for the State of California, focuses on long-term retirement planning but…
248. "Her spending scares me. Should we get married?"
Feb 17, 2026 · 1 hr 42 min
Ramit Sethi of I Will Teach You To Be Rich talks to Cre and April, a couple of five years, aged 46 and 48. Cre lives a debt-averse life and has been methodically building her wealth. April, on the other hand, earns more than twice Cre's income but struggles with significant debt and zero savings. They are at a crossroads, contemplating moving in together, but their conflicting approaches to money present a major hurdle. Cre fears that April’s spending habits will lead to constant arguments and f…
247. "We’re in our 40s — with nothing saved"
Feb 10, 2026 · 1 hr 37 min
Ramit Sethi of I Will Teach You To Be Rich talks to Stephanie and Chris, an early-40s couple with three young children, two of whom have special needs. Chris is a professor, and Stephanie, an RN, has recently cut back her hours due to burnout. Despite Chris’s confidence that “it’ll all work out,” their current financial situation is dire: 92% fixed costs, $544K in debt, and virtually no savings. Stephanie handles the books but feels dismissed when she raises concerns, while Chris struggles to li…
246. "We’re drowning in debt, but bought another house"
Feb 3, 2026 · 1 hr 50 min
Ramit Sethi of I Will Teach You To Be Rich talks to Melissa and Tony, a couple who immigrated from Mexico with big dreams and an even bigger work ethic. In less than a decade, they've built a net worth of nearly $900,000. But beneath the surface of their impressive paper wealth, they’re carrying almost $1 million in debt and are completely misaligned on their financial goals. With their second child due any day, Ramit helps them uncover the root of their money woes, from differing money styles t…
245. "We make 6 figures. Why am I hiding fast food purchases?"
Jan 27, 2026 · 2 hr 6 min
Ramit Sethi of I Will Teach You To Be Rich talks to Grace and James, a couple from Ireland, aged 38 and 37, who have been navigating immense challenges. James was diagnosed with cancer and underwent a year of treatment, while Grace managed a difficult pregnancy and maternity leave with their second child, an infant. Amidst the fear and grief, their household income took a significant hit, causing financial strain. Grace felt the burden of managing their finances, leading to guilt about James con…
244. "I'm in $244k debt but give $500/mo to my church"
Jan 20, 2026 · 1 hr 29 min
Ramit Sethi of I Will Teach You To Be Rich continues his discussion with Mike and Noel in part two of their financial deep dive. The couple, married for just 6 months, faces a daunting $244K in debt with zero savings, fueled by previous "guilt-free" spending and a shocking $170K windfall that disappeared. Despite their dire situation, major cuts to their fixed costs haven't happened yet. Ramit encourages Noel to reconsider her church tithing and find proactive ways to increase income, like drivi…
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