Emma (39) and Dave (39) make $258,000 a year—but they’re stuck in a toxic money dynamic. She built a financial plan during maternity leave. He didn’t believe her. Now, they’re battling over trust, $50K in debt, and whether they can afford a $700K house. With conflicting money roles—she’s the anxious planner, he’s the passive skeptic—they can’t move forward. In this episode, Ramit breaks down their “chaser/avoider” dynamic, the emotional cost of skepticism, and how to finally create a shared visi...
Apr 01, 2025•1 hr 26 min•Ep. 202
Today’s episode takes us to New York City, where I sit down with not two, but three couples live on stage at my Money for Couples event. First, meet Antonio (23) and Devonta (23), a young couple who in their 20s are already ahead of the game—earning money while finishing their degrees, having real conversations about finances, and even purchasing a home together. Next, we meet Pam (38) and Nic (40), who are struggling with a classic money dynamic: one partner earns significantly more and wants t...
Mar 25, 2025•1 hr 13 min•Ep. 199
Wilson (46) and Shannon (35) have built a strong financial foundation—owning a vacation rental, maxing out Roth IRAs, and earning solid incomes. But when it comes to their next move, they’re at odds. Wilson wants to tap into their home equity to invest in stocks, believing they’re too heavily weighted in real estate. Shannon, more risk-averse, worries about adding debt when they already owe $129K on their home, plus tax and student loans. Can they align on a strategy that balances security with ...
Mar 18, 2025•2 hr 36 min•Ep. 199
On today’s episode, we’re live from Boston for my recent Money For Couples book tour. First, I talk with Robert (28) and Giselle (28) who appear to have it all together, but behind the scenes, they’re struggling to make intentional financial decisions. Instead of planning ahead, they make impulsive decisions like committing $7,500 of earnest money to a new home that they can’t afford. Now, they’re questioning if they can still plan the wedding they want. Then we’ll meet Sara (28) and Jay (28) wh...
Mar 11, 2025•1 hr 15 min•Ep. 197
Juan (43) and Amber (40) feel behind on their retirement plans after years of prioritizing travel and expensive hobbies over investing. Juan, who grew up poor, struggles with a scarcity mindset—undercharging for his work and financially supporting his family. Amber, now earning less, believes they should be doing better. With financial pressure mounting, they’re considering merging finances but need to align on their money mindset first. Can they change their spending habits, boost their income,...
Mar 04, 2025•2 hr 38 min•Ep. 197
Live from the House of Blues in Chicago, Ramit coaches Evelyn and Mike (41). Despite their successful careers, money is a constant source of tension. Evelyn scrutinizes every purchase, while Mike feels frustrated by the endless debates over small expenses. Can Evelyn let go of her scarcity mindset and start trusting their financial future? Plus, stay tuned for a surprise visit from one of the past guests of Netflix’s How To Get Rich. This episode is brought to you by: Shopify | Sign up for a $1 ...
Feb 25, 2025•2 hr 31 min•Ep. 197
Frank (29) and Jill (33) are parents of two young kids and are trapped in a vicious cycle of overspending and debt. With fixed costs eating up 107% of their income and $25,000 in credit card debt, they’ve been repeatedly digging themselves into a hole—and scrambling to climb back out. Frank solves panic with credit card balance transfers. Jill struggles with emotional spending rooted in childhood. Their lack of communication and alignment has created a wedge in their marriage, making it hard to ...
Feb 18, 2025•2 hr 39 min•Ep. 196
Matt (34) and Eliza (32) have spent years prioritizing investments, setting themselves up for a secure retirement—but now, they struggle to enjoy spending money. Matt deprives himself when they go out, while Eliza avoids spending altogether. Their extreme frugality is keeping them from living the full life they could, and with their first baby on the way, the pressure is mounting. Can they shift their money mindset, find balance, and start truly living their Rich Life? This episode is brought to...
Feb 11, 2025•1 hr 27 min•Ep. 195
On last week’s episode, we met 38-year-old LaKiesha and 45-year-old James, a couple struggling to get on the same page financially. With no savings, no investments, and deep-rooted money fears, they’re stuck in a cycle of mindless spending. Today, we’re digging back into their CSP—and the numbers are more shocking than they expected. Can they finally break old habits and build their Rich Life together? This episode is brought to you by: Rocket Money | Stop throwing your money away. Cancel unwant...
Feb 04, 2025•1 hr 16 min•Ep. 194
Despite their best intentions, LaKiesha (38) and James (45) have fallen into a cycle of overspending—convincing themselves that wants are needs and that enjoying money now outweighs planning for the future. Their lack of financial foresight has left them without a safety net, and the weight of their debts has even led LaKiesha to file for bankruptcy. Recently, they moved in together; but with that fresh start comes the baggage of their complicated financial pasts. Trust has been tested, and they...
Jan 28, 2025•1 hr 17 min•Ep. 193
Justin (40) and Deepika (32) are stuck in a frustrating financial loop: despite their high income, they feel like they’re living paycheck to paycheck. Deepika dreams of buying a house someday, but the couple can’t seem to identify where their money is going—or how to escape the cycle of credit card debt. Justin has a side hustle that he’s eager to grow, but he’s struggling to get the same level of commitment from his business partners. For years, they’ve been focused on survival, not dreaming ab...
Jan 21, 2025•2 hr 39 min•Ep. 192
Dillon (30) and Carrie (29) are navigating a tricky dynamic in their relationship: income disparity. Carrie works in tech, earning a high salary, but her anxiety about money has her constantly second-guessing their financial situation. Dillon, a PhD student living on a $40K annual stipend, is growing increasingly frustrated with Carrie's dismissive comments and her inability to see their combined income as a strength. Can Carrie improve her money psychology so they can live a happier, rich life ...
Jan 14, 2025•2 hr 33 min•Ep. 191
Justin, 38, and Maggie, 34, join the show to unpack a growing tension in their relationship—her hesitation to combine finances. Maggie spent her twenties traveling the world and is now laser-focused on building her future, while Justin shares her love for travel but envisions a future together. With Maggie making life plans that might not include him, Justin is left feeling hurt and uncertain. Can they bridge the gap and take their relationship to the next level? This episode is brought to you b...
Jan 07, 2025•1 hr 27 min•Ep. 190
This week we are back with part two of Nate and Serena's follow-ups. Their original appearance on episodes 73 & 74 are some of our favorite episodes of the podcast, and it is very rare that I get a chance to speak to a couple after their episode airs. Join us as we revisit moments from their first episode together, learn what changes they've made, and go over their NEW conscious spending plan two years later. I think you're gonna be surprised. This episode is brought to you by: NordVPN | Get a h...
Dec 31, 2024•2 hr 59 min•Ep. 189
What happens to the couples that I’ve spoken to months, even years ago? It’s time to find out in our first follow-up episode, featuring Nate and Serena from episodes 73 & 74 of the podcast. We're looking back on their original conversation, and then both Nate and Serena will be back next week to share where they’re at today, and their reactions from watching their original episode. They were incredibly honest, sometimes brutally honest, and also very sweet. This episode is brought to you by: Mas...
Dec 24, 2024•1 hr 29 min•Ep. 188
David (36) and Victoria (35) have been married for two years, yet their finances are largely separate. David is a startup founder—cash strapped and optimizing his monthly take home pay. Victoria is a wildly successful entrepreneur who struggles to appreciate her accomplishments. Despite their immense wealth, David and Victoria's money psychology is holding them back. Can they ditch their old money mindsets and embrace their rich life? This episode is brought to you by: Aura Frames | Save on the ...
Dec 17, 2024•1 hr 28 min•Ep. 187
Meet Ava, 36, and Chris, 38. When it comes to their finances, they do not see eye to eye; and they’re stuck in a cycle of overspending. Ava is a worrier who uses a labor-intensive ledger to track expenses, taking tons of time and energy every month (although they’re still in debt). Chris doesn't like Ava's approach, but he's sick of fighting about it. They just sold their house, and now they need my help to get on the same page before they make their next move. Can Ava and Chris set aside their ...
Dec 10, 2024•1 hr 25 min•Ep. 186
Dawn is 48, Richard is 43, and they’re living paycheck to paycheck. Although they're engaged, they’re struggling to combine their finances because of their varied pasts. Dawn is overspending on kids and grandkids, and Richard has deep scars from a financially devastating breakup. Can they move beyond their past money stories and get aggressive about investing for retirement? This episode is brought to you by: Aura Frames | Save on the perfect gift by visiting https://auraframes.com to get $35-of...
Dec 03, 2024•2 hr 34 min•Ep. 185
Ryan is a 38-year-old Air Force pilot. Chloe is a 33-year-old economist. And though they are on track to have millions in retirement, they struggle to spend. Ryan has been criticizing every little purchase and agonizing over his looming retirement from the military. Chloe’s hoping they can put things in perspective and start enjoying their Rich Life, now. This episode is brought to you by: LegalZoom | Launch, run, and protect your business to make it official today at https://legalzoom.com and u...
Nov 26, 2024•1 hr 27 min•Ep. 184
Michelle (33) and Matt (31) have been dating for seven years, but they’re stuck in relationship limbo, waiting to get married until Michelle deals with her financial problems. Michelle makes great income as a nurse, but she has a mountain of debt from student loans. Matt works in finance, and tries to help, but Michelle has loan payments and debts that he doesn’t even know about. Today we’ll see if we can unearth the root of these money problems so Michelle and Matt can take the next step in the...
Nov 19, 2024•1 hr 26 min•Ep. 183
Don is 50, Tana is 48, and they’ve struggled to make ends meet their entire adult lives. They have a lot of debt, they’ve never really saved or thought they’d be able to retire… but their income has recently DOUBLED and they’re wondering how to manage the extra money. Throughout this conversation, as Don and Tana work to set aside their scarcity mindset, you’ll hear how hard it can be to change. This episode is brought to you by: NordVPN | Secure your online privacy this Black Friday with NordVP...
Nov 12, 2024•1 hr 26 min•Ep. 182
Nathan (35) and Linda (37) are arguing about money constantly due to Nathan’s anxiety and stress. He continually optimizes and re-optimizes their finances, worrying about retirement and the amount of money they’ll be leaving behind for their children. Nathan even applied to be on the show nine times in a row, and Linda just wants him to chill out. What will we learn from a couple that makes good money, but can’t stop stressing about it? This episode is brought to you by: Superhuman | Get a free ...
Nov 05, 2024•1 hr 29 min•Ep. 181
Alexis, 55, and Olivia, 54, are working towards their retirement so they can spend more time with their son. On paper, they’re in a good financial position, with a net worth of over $3 million… but they’re spending more than they make every single month. And, there’s a big secret to their wealth that they didn’t realize until this conversation. This episode is sponsored by my partners at Facet, where you can get affordable, accessible financial planning with a flat fee membership. For Money for ...
Oct 29, 2024•2 hr 30 min•Ep. 180
Kate is a 43-year-old mom and homeschool teacher. Drew is a 50-year-old professor. They’re $480k in debt with no savings and no retirement plan. Kate is panicking—but Drew refuses to talk about it, and neither of them are willing to make big spending cuts or say “no” to their kids’ expenses. This episode is brought to you by: Our Place | Use code RAMIT to receive 10% sitewide at https://fromourplace.com. Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage you...
Oct 22, 2024•1 hr 23 min•Ep. 179
Live from Seattle, I work with 2 couples on stage. Sophia is a 41 y/o ultrasound tech. Charley is a 40/yo filmmaker. They don’t combine finances because she can’t trust him with money. Megan, a 37/yo dentist, and Ryan, a 36 y/o software engineer, are worth $4.2M—but they still haggle over small purchases. This episode is brought to you by: 99designs by Vista | Get $50 off your first design contest at https://99designs.com/ramit. LMNT | Right now, LMNT is offering 8 single serving packets FREE wi...
Oct 15, 2024•1 hr 14 min•Ep. 178
Jason, 40, and Megan, 34, return to make a plan before Megan gives birth. Jason wants to pay off debt—but refuses to sell his 8 cars. Megan wants equal spending money—even though she’s making 0 income. They need to get on the same page before their family grows, but they’re running out of time. 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. DeleteMe | If you want to g...
Oct 08, 2024•1 hr 3 min•Ep. 177
Jason is a 40 y/o COO. Megan is a 34 y/o flight attendant and they’re about to have a baby. Megan wants to take 1 year maternity leave—Jason is stressing about how it will affect their finances. While they have a $3M net worth, they’re both in credit card debt and their lack of joint finances makes it hard to make a plan. This episode is brought to you by: Wildgrain | Get $30 off the first box - PLUS free Croissants in every box at https://wildgrain.com/ramit. Facet | Get affordable, accessible ...
Oct 01, 2024•1 hr 25 min•Ep. 176
Mindy is a 39-year-old software consultant. Victor is a 25-year-old boxing gym owner. They have fundamentally different views on money, and it’s causing tension in their relationship. Mindy wants an equal partner, but Victor struggles to talk about money—and they won’t get married until they’re on the same page. This episode is brought to you by: Trust & Will | Secure your assets and protect your loved ones. Get 10% off plus free shipping on your estate plan documents by visiting https://trustan...
Sep 24, 2024•1 hr 15 min•Ep. 175
Meet Forest, 40, and Kathleen, 43, a couple living in California with two kids. Despite Forest’s $300k salary, they’ve racked up $150k in credit card debt. They want to maintain their adventurous lifestyle, but the reality of their finances is catching up. Can they change their mindset on money before it’s too late? 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 ...
Sep 17, 2024•1 hr 18 min•Ep. 174
Michelle, 42, Ryan, 43, return for a deep dive into their Conscious Spending Plan. They spend $763 a month on Target, $1,185 a month on Amazon, and $1,230 on groceries—carrying a fixed-costs percentage of 113%. Drastic changes are needed, but Michelle isn’t convinced anything can be done to save their outlook. 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...
Sep 10, 2024•59 min•Ep. 173
