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...
May 19, 2026•1 hr 33 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...
May 12, 2026•1 hr 53 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...
May 05, 2026•1 hr 46 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 ...
Apr 28, 2026•1 hr 34 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...
Apr 21, 2026•1 hr 49 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...
Apr 14, 2026•1 hr 54 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...
Apr 07, 2026•2 hr
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...
Mar 31, 2026•57 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...
Mar 24, 2026•2 hr 2 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...
Mar 17, 2026•1 hr 32 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...
Mar 10, 2026•1 hr 34 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 ...
Mar 03, 2026•1 hr 23 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...
Feb 24, 2026•1 hr 45 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...
Feb 17, 2026•1 hr 42 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...
Feb 10, 2026•1 hr 37 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...
Feb 03, 2026•1 hr 50 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...
Jan 27, 2026•2 hr 6 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...
Jan 20, 2026•1 hr 29 min
Ramit Sethi of I Will Teach You To Be Rich talks to Mike and Noel, a young couple who are both 34. They married just 6 months ago, but financial fights have become a daily occurrence, even after receiving a $170K windfall. Mike blames Noel for overspending, but admits they both struggle with money, while Noel views the windfall as "guilt-free" spending. With $244K in debt, zero savings, and 82% of their income going to fixed costs, Ramit helps them uncover the root of their money woes. Will they...
Jan 13, 2026•1 hr 25 min
Ramit Sethi of I Will Teach You To Be Rich talks to Natalie and Chris, married with two young kids and a net worth of $1.3 million. Despite their significant assets, money remains a constant source of conflict, especially when unexpected expenses arise. Chris tends to "freak out," emotionally withdrawing and becoming zombie-like, leaving Natalie feeling alone. This pattern, which Chris describes as "catastrophizing," has intensified since their kids' expenses piled up. Their therapist recommende...
Jan 06, 2026•1 hr 49 min•Ep. 242
Two couples take the stage with a shared question—but very different financial realities: When is “enough” actually enough to move forward? Finn and Luna built a successful pet-sitting business and now sit on hundreds of thousands of dollars—but with no clear plan for investing, homeownership, or the future. Meanwhile, Monica and Antonio earn a strong income, are completely debt-free, and yet feel paralyzed by fear as they juggle parenting, aging parents, and the possibility of purchasing a larg...
Dec 30, 2025•1 hr 8 min•Ep. 241
Cheryl (67) and Michael (69) have built rich, full lives: multiple careers, reinventions, and nearly 12 years of marriage. Yet when it comes to money, they feel stuck. They earn about $120,000 a year, have roughly $600,000 saved, and regularly book $10,000–$15,000 vacations focused on travel, family, and experiences. Then, almost immediately, panic sets in. With mostly separate finances, lingering trust issues from past decisions, and no clear retirement plan, they’re embarrassed to admit that t...
Dec 23, 2025•1 hr 37 min•Ep. 240
Today, we’re revisiting one of our favorite Money For Couples episodes of the year. Update: Romy and Travis recently shared an update on YouTube about where they are now. You can watch it here . Romy and Travis’s story struck a chord with listeners because it shows what really happens when a couple is earning good money…but operating with completely different expectations, habits, and fears around money. This episode is a perfect example of how old patterns can quietly shape a relationship—and w...
Dec 19, 2025•1 hr 27 min
Jamie (45) and Ryan (36) have been married for nearly a decade and share three kids, but their financial foundation was shaken when Ryan quit his high-paying finance job and cashed out his 401(k) without telling Jamie. Now earning far less, they’re still spending like nothing changed, running up credit card debt and ending each month wondering where the money went. Jamie, the higher earner, is anxious about retirement and trust after years of financial surprises, while Ryan avoids money conversa...
Dec 16, 2025•1 hr 42 min•Ep. 239
Ado (33) and Gabby (32) are exhausted by a cycle they can’t seem to escape: getting into credit card debt, paying it off, and then ending up right back where they started. Now, with $44,000 in credit card balances, student loans on both sides, and an $1,800 monthly daycare bill, they feel one setback away from losing everything. Ado’s avoidant, live-in-the-moment approach clashes with Gabby’s desire for structure and long-term security. Both come from financially chaotic childhoods, and those ol...
Dec 09, 2025•1 hr 39 min•Ep. 238
Karen (45) and Chad (44) built their lives around a high income: buying their dream home in a high-cost city and raising three kids with confidence in the future. But when Chad lost his $340K tech job, everything changed. Three years later, he’s earning half as much, their emergency savings are gone, and they’re borrowing just to stay afloat. Karen lies awake fearing they’re one paycheck away from losing the house, while Chad stays optimistic that a future promotion or windfall will fix everythi...
Dec 02, 2025•1 hr 20 min•Ep. 237
Alex (34) and Jackie (33) have been married for 11 years, raising four young kids while navigating a financial dynamic that’s been strained for nearly as long. Alex is meticulous and cautious — he’s tracked every expense since 2016 — while Jackie follows her instincts and believes God will provide. But when she secretly enrolled in a $5,000 coaching program and later pushed for a $16,000 photography course, Alex’s trust shattered. Now he feels like he’s carrying the entire financial load, while ...
Nov 25, 2025•1 hr 40 min•Ep. 235
Imani (52) and Michael (65) return for Part 2—and this time, Ramit pushes them to find out how fast they can turn things around. After years of miscommunication, mounting debt, and emotional exhaustion, they’ve finally started tackling their finances together. But when Facet’s retirement scenarios reveal how long their money will really last, they’re forced to confront new tradeoffs: spend less now, retire later, or change their lifestyle entirely. Can Michael step up and lead? Can Imani release...
Nov 18, 2025•1 hr 24 min•Ep. 235
Imani (52) and Michael (65) have been married for 24 years—and they’re drowning in nearly $126,000 of consumer debt despite earning over $250,000 a year. Imani, a disciplined attorney who tracks every dollar, feels trapped by Michael’s unchecked spending on electronics and his laid-back approach to money. She dreams of travel, freedom, and a life that finally feels generous, while he insists everything’s fine as long as the bills get paid. With resentment growing and Imani nearing her breaking p...
Nov 11, 2025•1 hr 10 min•Ep. 234
Samantha (36) and Kevin (41) have been together for seven years, but their financial lives couldn’t look more different. He’s a high earner with $800,000 in investments and a paid-down mortgage. She’s still carrying student loans, car payments, and lingering shame about being “behind.” While Kevin saves methodically for the future, Samantha prefers to spend on experiences—especially travel—leaving him questioning whether their financial priorities will ever align. Beneath the surface, neither of...
Nov 04, 2025•1 hr 38 min•Ep. 233
