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.

Brian is 56 and Rachel is 51 and they?re both lawyers. She?s lost thousands on a financial advisor and he can?t stop paying his daughter?s rent. Brian wants to retire soon, but the thought of losing his income has Rachel in a panic about whether they would be able to maintain their lifestyle. This episode is brought to you by: Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit. Thinkific | The same platform I use to build online courses online https://thinkific.com. 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. 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. Eight Sleep | For a better, smarter sleep, go to https://eightsleep.com/ramit for $200 and free shipping. 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.

April and Kevin are in their mid thirties with two kids. They?ve been married for twelve years and Kevin recently came across a good book on finance?one which empowered him to learn more about their finances. What he found shocked him, and has driven deep cracks in their marriage. This episode is brought to you by: Calm | Go to https://calm.com/ramit for 40% off unlimited access to Calm?s entire library. 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. 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. Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions ? and manage your expenses the easy way ? by going to https://rocketmoney.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.

Sandra, 46, and Brad, 48, return for Part 2 as we get our hands dirty with their incredible decision to invest $1,000,000?their entire net worth?into one oil operation. It?s paying out $20k a month right now, and Brad?s done his research to feel confident. But Sandra can?t handle the risk. This episode is brought to you by: 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. 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. ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today. Eight Sleep | For a better, smarter sleep, go to https://eightsleep.com/ramit for $200 and free shipping.  Superhuman | Get a free month of lightning fast email at https://try.sprh.mn/ramitsethi. Links mentioned in this episode ?I?m afraid he?ll leave if I don?t stop stressing about the budget? (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.

Sandra is 46. Brad is 48. They have four children and are living a high lifestyle as a result of two generational income explosions tied to Brad?s work in the home lending industry. That variance, though, seeded issues in their money psychology?leading to risky investments and trust issues. This episode is brought to you by: Superhuman | Get a free month of lightning fast email at https://try.sprh.mn/ramitsethi. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. 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. 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. 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 ?He put our $1M into one risky investment. Will we lose it all?? (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 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.

Mel and Babu are both 33 year-old doctors. Babu?s nearly done with his training, putting a huge decision in front of them about where to live and how much he?ll earn. The income numbers are staggering, but how they both feel about money isn?t affected by the number in their bank account. This episode is brought to you by: Eight Sleep | For a better, smarter sleep, go to https://eightsleep.com/ramit for $200 and free shipping.  Mint mobile | To get your new wireless plan for just $15 a month, go to https://mintmobile.com/ramit. Calm | Go to https://calm.com/ramit for 40% off unlimited access to Calm?s entire library. 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 | 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 ?Our financial advisor almost cost us $800k. How do we fire them?? #127 Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show Get Money Coaching with Ramit  Download the Conscious Spending Plan 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.

David, 33, and Halima, 37, return to follow-up on last week?s episode, where we learned about their debt, painful backgrounds, unrealistic expectations, and patterns of negative behavior with money. Today, Ramit brings them back down to earth, dissects their numbers, and sets the stakes. 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. 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 one one place. Sign up and defer payments, with no interest, for six months at https://iwt.com/netsuite. 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. 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 ?We have $500k in debt. Can I retire early?? (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 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.

David's 33 and Halima's 37. They?re been married for one year, a second union for both. The deep emotional (and financial) scars from those past relationships tint how they see the world today, limiting their ability to cooperate and leading to ill conceived get-rich-quick schemes and mounting debt. This episode is brought to you by: Superhuman | Get a free month of lighting 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.  Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to https://www.longangle.com/ to learn more.  Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 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. Links mentioned in this episode ?MLMs, crypto, real estate?I can?t stop falling for get-rich-quick schemes? (Part 2) ?We 4x?d our salary as COVID nurses. The experience haunts us. So does the money? Why I Don?t Own A House as a Multi-Millionaire? Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show Get Money Coaching with Ramit  Download the Conscious Spending Plan 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.

Kait is 36 and Em is 35. They?re married and pursuing IVF as a means to expand their family. But a misalignment on money stands in the way of a truly shared vision for their future. Em shuts down and delegates responsibility. Kait frantically checks accounts and worries about daily spending. This episode is brought to you by: Calm | Go to https://calm.com/ramit for 40% off unlimited access to Calm?s entire library. 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. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. BetterHelp | Visit https://betterhelp.com/ramit today to get 10% off your first month. Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show Get Money Coaching with Ramit  Download the Conscious Spending Plan 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.

Part 2 with Becki and Dustin drops us right back into a contentious conversation about Dustin?s 6-wheeled truck, but his and Becki?s misalignment runs a lot deeper than that. Once their numbers are revealed, painful truths come to the light?and life altering changes are put on the table. This episode is brought to you by: Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.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. 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 one one place. Sign up and defer payments, with no interest, for six months at https://iwt.com/netsuite. Links mentioned in this episode "She has $7k in cc debt?just 3 months after I paid it off for her" (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 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.

Becki is 42, Dustin is 36. Becki moved to North Caroline from California two years ago, into Dustin?s house but is feeling disconnected from her family, like the space is still his, not shared. Her troubling credit card history keeps them from getting married and building a future together. This episode is brought to you by: Superhuman | Get a free month of lighting fast email at https://try.sprh.mn/ramitsethi. 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. 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. Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.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 ?I make $24K a year but my truck costs $1,600+ a month? (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 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.

Cassandra, 40, and Aldo, 41, discovered Ramit on Netflix?which quickly led to Cassandra discovering the gruesome details of their debt. His goal was to shield her from stress. What he?s done instead is hide incalculable credit card balances, lose thousands on meme stocks, and so much more. This episode is brought to you by: Mint mobile | To get your new wireless plan for just $15 a month, go to https://mintmobile.com/ramit. Inside Tracker | Get 20% off by going to https://insidetracker.com/ramit. Methodology | Visit https://gomethodology.com/ramit and use code RAMIT for 10% off your first order of Methodology. 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. Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show Get Money Coaching with Ramit  Download the Conscious Spending Plan 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.

Matt is 40 and Ruane is 38. They have two kids and live in Toronto. They?ve done incredibly well for themselves, with an eye-popping net worth of $5,500,000?but lingering anxiety about money and the overwhelming responsibilities of parenthood have driven them apart. This episode is brought to you by: Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.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 | 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. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show Get Money Coaching with Ramit  Download the Conscious Spending Plan 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.

Alisa is 38 and Jesse is 42; they live in Portland with no kids and have been married for 10 years. Alisa has a growing sense of urgency related to their future?their lack of savings, modest investments, and credit card debt?fed by pressure from her family. But Jesse is hands-off with money. 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. Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to https://www.longangle.com/ to learn more. 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. BetterHelp | Visit https://betterhelp.com/ramit today to get 10% off your first month. Superhuman | Get a free month of lighting fast email at https://try.sprh.mn/ramitsethi. Links mentioned in this episode Join Earnable Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show Get Money Coaching with Ramit  Download the Conscious Spending Plan 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.

Following up with Trin and Lucas, both 35, we chip away at an unmanageable fixed-costs percentage and broach Lucas?s unwillingness to seek salaried employment while navigating severe trust issues and a checkered past with respect to financial risk taking. This episode is brought to you by: Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. Inside Tracker | Get 20% off by going to https://insidetracker.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. 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. Links mentioned in this episode Get Money Coaching with Ramit  Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show Download the Conscious Spending Plan 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.

Trin and Lucas are 35 with two kids. They?re bleeding money but they don?t know why, or how to fix it. Lucas is an extreme entrepreneur, leading to trust issues related to his shocking risk taking and lack of transparency. Matters are complicated further by a fixed-costs percentage of 150%+.   This episode is brought to you by: Methodology | Visit https://gomethodology.com/ramit and use code RAMIT for 10% off your first order of Methodology. 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. 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. Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show Get Money Coaching with Ramit  Download the Conscious Spending Plan 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.

Jeff is 50, he?s a specialized surgeon. Susan is 48, she stays at home with their two kids. Their discretionary spending has grown over the years, ballooning at an uncontrollable rate. But their biggest issue is that they?re being taken advantage of by a percentage-based financial advisor.  This episode is brought to you by: 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. 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. Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://meetfabric.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show Get Money Coaching with Ramit  Download the Conscious Spending Plan 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.

It?s time to get tactical in this energetic follow-up episode with Cristina and Ron. Building on their story, we unpack their three most glaring money mistakes?a percentage-based financial advisor, whole and term life insurance, and a $10,000 timeshare vacation plan. This episode is brought to you by: Inside Tracker | Get 20% off by going to https://insidetracker.com/ramit. Mint mobile | To get your new wireless plan for just $15 a month, go to https://mintmobile.com/ramit. Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to https://www.longangle.com/ to learn more. BetterHelp | Visit https://betterhelp.com/ramit today to get 10% off your first month. Connect with Ramit Get the Podcast Newsletter and exclusive Q&A about the show Get Money Coaching with Ramit  Download the Conscious Spending Plan 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.

Meet Cristina and Ron. Cristina's 30, Ron is 45, and they've been married for four years. Cristina wonders why she's the one managing money in their relationship, especially when Ron is older and he should be thinking about his retirement. We discover shocking surprises in their spending. This episode is brought to you by: 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. 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. 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 ? 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.

Bebe and Paul are 37 and 40. They have two young kids and in the last few years, they have moved about ten times for various family reasons. They?re stuck in false narratives that are sinking their finances?unable to recognize the long term negative effects of their actions. 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/ramitfor 20% off. 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. 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. Links mentioned in this episode ?  Download the Conscious Spending Plan Connect with Ramit ? Get the Podcast Newsletter and exclusive Q&A about the show ? Get Money Coaching with Ramit  ? 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.

This is a special solo episode where I answer questions from members of my Money Coaching program. In today?s episode: My favorite services that I use when I travel, how to handle FOMO when you're investing, and also how to handle traveling with other people. This episode is brought to you by: 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. 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. Methodology | Visit https://gomethodology.com/ramit and use code RAMIT for 10% off your first order of Methodology. 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 ? Get Money Coaching with Ramit  ? Delegate and Done program  ? Join Earnable ? Should I Buy a House Now? ? Dream Job career research guide ? Other episodes Connect with Ramit ? Get the Podcast Newsletter and exclusive Q&A about the show ? Download the Conscious Spending Plan ? Get my New York Times best-selling book ? Get my no-numbers journal ? 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.

Doni and Cacey are 30 and 40 years old with three very young kids. Doni?s struggled with credit card debt in the past, putting pressure on Cacey to control their finances?in addition to being the family?s sole earner. Don?t miss the shocking twist to their money story at the end of the episode. This episode is brought to you by: Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit. Mint mobile | To get your new wireless plan for just $15 a month, go to https://mintmobile.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramitfor 20% off. Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions ? and manage your expenses the easy way ? by going to https://rocketmoney.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 ? 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.

Alana and Sam, 37 and 36, have two kids and $157,000 in student loans?loans which his mother assured would be paid. They haven?t been. Instead, the debt has tripled since he left school. Their home life has suffered as a result, as the family currently lives with Sam?s mom to save money. This episode is brought to you by: 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 | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://www.meetfabric.com/ramit. DoorDash | Go to https://www.doordash.com and use promo code RAMIT to get 50% off (up to $10) when you spend $15 or more at convenience, grocery or retail stores on DoorDash. BetterHelp | Visit https://betterhelp.com/ramit today to get 10% off your first month. Links mentioned in this episode ? Download the Conscious Spending Plan ? Get my New York Times best-selling book Connect with Ramit ? Get the Podcast Newsletter and exclusive Q&A about the show ? Get Money Coaching with Ramit  ? 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.

Ana is 31 and Gabriel is 29. They have three young kids and will be celebrating their tenth wedding anniversary soon. This episode deals with addiction and recovery work, therapy, deep family influences, and imbalanced money dynamics. His money mindset is stuck in the past?but she needs his help. 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/ramitfor 20% off. Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to https://www.longangle.com to learn more. 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. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://www.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 ? 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.

Candace and Brad are 31 and 33. They?ve been together for five years?buying a home together after just one year of dating. Candace is ready for a wedding, kids, and family life; she?s getting impatient. Make sure you stick around for the absolutely shocking ending to their story.   This episode is brought to you by: 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. 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. BetterHelp | Visit https://betterhelp.com/ramit today to get 10% off your first month. 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 ? Get Money Coaching with Ramit  ? Get my New York Times best-selling book ? Get my no-numbers journal Connect with Ramit ? Get the Podcast Newsletter and exclusive Q&A about the show ? Download the Conscious Spending Plan ? 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 of my conversation with Kara and Drake, we continue to peel back the layers of gender roles and lost identity which came to the surface last week. A reversal in earnings power, on top of inconsistent incomes, complicates things further as we untangle this complex web of emotion and expectation. This episode is brought to you by: Go to https://www.doordash.com and use promo code RAMIT to get 50% off (up to $10) when you spend $15 or more at convenience, grocery or retail stores on DoorDash. Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://www.meetfabric.com/ramit. Mint Mobile | To get your new wireless plan for just $15 a month, go to https://www.mintmobile.com/ramit. Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://www.drinktrade.com/ramit. Links mentioned in this episode ? Extended written follow up ? Please fill out this short listener survey Connect with Ramit ? Get the Podcast Newsletter and exclusive Q&A about the show ? Get Money Coaching with Ramit  ? Download the Conscious Spending Plan ? 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.

Kara and Drake are 38 and 37 with two infant children. Kara used to earn as much as $20k in a month, but has pulled back on work since becoming a mother?leading to painful identity issues. Drake has picked up the slack, but gender roles loom large in their at-home dynamic. This episode is brought to you by: 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. BetterHelp | Visit https://betterhelp.com/ramit today to get 10% off your first month. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Connect with Ramit ? Get the Podcast Newsletter and exclusive Q&A about the show ? Get Money Coaching with Ramit  ? Download the Conscious Spending Plan ? 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.

Carrie and Taylor are both 33, unmarried with no kids, earning good incomes in the Nashville area. Their CSP checks out?Carrie does a great job managing their money?but she?s no longer willing to do it alone. Taylor?s upbringing taught him to ignore it. Can he be convinced to change his ways? 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. 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. 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. 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 ? Download the Conscious Spending Plan ? Other episodes Connect with Ramit ? Get the Podcast Newsletter and exclusive Q&A about the show ? Get Money Coaching with Ramit  ? Download the Conscious Spending Plan ? 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.

Kevin and Ebony are both 52. They have two kids, both young adults, and have turned their attention to retirement planning. But standing in the way are $135,000 of debt, a recurring issue, and 29 years of deeply ingrained negative communication patterns when it comes to money. This episode is brought to you by: DeleteMe | If you want to get your personal information removed from the web, go to https://www.joindeleteme.com/ramit for 20% off. Go to https://www.doordash.com and use promo code RAMIT to get 50% off (up to $10) when you spend $15 or more at convenience, grocery or retail stores on DoorDash. Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 minutes at https://www.meetfabric.com/ramit. Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to https://www.longangle.com to learn more. Links mentioned in this episode ? Get my New York Times best-selling book ? Get my no-numbers journal ? Get Money Coaching with Ramit  ? Join Dream Job Connect with Ramit ? Get the Podcast Newsletter and exclusive Q&A about the show ? Download the Conscious Spending Plan ? 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.

Emily and John are in their mid 30s, living in Boston with their 2 year old son. Both coming from blue collar backgrounds, they?ve successfully broken many negative generational patterns thanks to a $200k combined income?but they struggle to break harmful spending habits.  This episode is brought to you by: 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://www.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://www.facet.com/ramit. Mint Mobile | To get your new wireless plan for just $15 a month, go to https://www.mintmobile.com/ramit. Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://www.drinktrade.com/ramit. Links mentioned in this episode ? Get Money Coaching with Ramit  ? Download the Conscious Spending Plan ? Get my New York Times best-selling book Connect with Ramit ? Get the Podcast Newsletter and exclusive Q&A about the show ? 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.

Nicole and Matt, 41 and 37, have weathered deaths in the family, a battle with alcoholism, and career difficulties to finally be on the right track and earning more income as a couple. But, the past has left them with trust issues and a stark imbalance when it comes to money responsibilities. This episode is brought to you by: Methodology | Visit https://gomethodology.com/ramit and use code RAMIT for 10% off your first order of Methodology. Calm | Go to https://calm.com/ramit for 40% off unlimited access to Calm?s entire library. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. 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 ? 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 ? 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.

This conversation with Mike and Kate brings a completely new, and shocking, outcome to the podcast. They?re 29 and 32, with some massive life changes on the horizon. But they can?t save any money and lack the financial discipline to make real change for the sake of their family. This episode is brought to you by: 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 | 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. BetterHelp | Visit https://betterhelp.com/ramit today to get 10% off your first month. Connect with Ramit ? Get the Podcast Newsletter and exclusive Q&A about the show ? Get Money Coaching with Ramit  ? Download the Conscious Spending Plan ? 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.

Jonathan and Shalom are young, 31 and 27, married for 5 years and getting used to a big addition to their lives?a rushed home purchase in the Pacific Northwest that tints their relationship with conflict. Jonathan buries himself in the numbers. Shalom buries her head in the sand. This episode is brought to you by: 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. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Methodology | Visit https://gomethodology.com/ramit and use code RAMIT for 10% off your first order of Methodology. Long Angle | If you've made a lot of money and you're looking for a community of peers to turn to for advice, go to https://www.longangle.com/ to learn more. Links mentioned in this episode ? Should I Buy a House Now? (5 Guidelines & Perfect Timing Tips) Connect with Ramit ? Get the Podcast Newsletter and exclusive Q&A about the show ? Get Money Coaching with Ramit  ? Download the Conscious Spending Plan ? 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.

Jake and Hannah bring a younger perspective to the podcast today. 26 and 31 respectively, they find themselves in different seasons of life?especially when it comes to money. Hannah is about to have her own practice as a therapist while Jake is a ski instructor. Can they connect? This episode is brought to you by: Calm | Go to https://calm.com/ramit for 40% off unlimited access to Calm?s entire library. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Ness Well | IWT listeners can get an extra 5K welcome bonus when they apply for the Ness Card at https://nesswell.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. Links mentioned in this episode ? Join Earnable Connect with Ramit ? Get the Podcast Newsletter and exclusive Q&A about the show ? Get Money Coaching with Ramit  ? Download the Conscious Spending Plan ? 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 this special limited series, we?re following up with couples from my Netflix show, How To Get Rich. Tune in to hear what?s new, what isn?t, and where their money conversations have gone since our taping. Today, we check in with Donnell and Monique on their debt, the storage unit, and more. This episode is brought to you by: Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.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. Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 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. Links mentioned in this episode ? Get the Podcast Newsletter and exclusive Q&A about the show ? Download the Conscious Spending Plan Connect with Ramit ? Get Money Coaching with Ramit  ? 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.

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. This episode is brought to you by: Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.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. Fabric by Gerber Life | Protect your family today with Fabric by Gerber Life. Apply today in just 10 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. 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 ? 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.

Jack and Christina were a perfect example of how not to travel?racking up credit card debt, booking late on a whim, and without emotional buy-in from one partner. In this deep dive episode, I go A to Z on how to plan, save, book, and enjoy vacation experiences the Rich Life way. This episode is brought to you by: Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Ness Well | IWT listeners can get an extra 5K welcome bonus when they apply for the Ness Card at https://nesswell.com/ramit. Methodology | Visit https://gomethodology.com/ramit and use code RAMIT for 10% off your first order of Methodology Connect with Ramit ? Get the Podcast Newsletter and exclusive Q&A about the show ? Get Money Coaching with Ramit  ? Download the Conscious Spending Plan ? 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.

Jack and Christina are 33, both born in Russia. With two young kids, they?re looking ahead to number three and to buying a home. But they have $0 saved and $87,500 in credit card debt that they can only pay minimums on right now. Christina?s income triples soon, can it solve everything? This episode is brought to you by: Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Ness Well | IWT listeners can get an extra 5K welcome bonus when they apply for the Ness Card at https://nesswell.com/ramit. Methodology | Visit https://gomethodology.com/ramit and use code RAMIT for 10% off your first order of Methodology Links mentioned in this episode ? Get the Podcast Newsletter and exclusive Q&A about the show ? Get my New York Times best-selling book ? Get Money Coaching with Ramit  Connect with Ramit ? Download the Conscious Spending Plan ? 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.

Don?t miss Tuesday?s episode with Stacey and Jesse?where we uncovered severe imbalances in their relationship dynamic. Today, Ramit breaks down three main themes from that conversation, covering their complex budgeting system, covering for a partner?s passing, and spending on health and wellness. This episode is brought to you by: Calm | Go to https://calm.com/ramit for 40% off unlimited access to Calm?s entire library. 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. Nomorobo | To protect yourself and your family from phone scams, go to https://nomorobo.com/ramit for a 14-day free trial. 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 ? Episode 104. ?We?re worth $1.25M, so why is he afraid to get a $15 gym membership?? ? Download the Conscious Spending Plan ? Get the Podcast Newsletter and exclusive Q&A about the 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 ? 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.

Stacey is 37 and Jesse is 38. They?ve been together for 18 years, married for 11. They started with nothing, but now they make $238,000 a year. Their numbers are healthy, maybe even too good. So what?s the problem? Stacy?s designed their financial system with no room for Jesse to participate in it. This episode is brought to you by: Calm | Go to https://calm.com/ramit for 40% off unlimited access to Calm?s entire library. 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. Nomorobo | To protect yourself and your family from phone scams, go to https://nomorobo.com/ramit for a 14-day free trial. 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 ? Download the Conscious Spending Plan ? Get the Podcast Newsletter every Saturday ? Get my New York Times best-selling book Connect with Ramit ? Get Money Coaching with Ramit  ? 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.