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 17 min•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast Michelle is 42, Ryan is 43. They’ve been married for 9 years and share three young children. Michelle worries about money; she always has. Ryan knows they’re in trouble, but can’t say no to their kids. On one income, spending outpaces earning—slowly draining their savings and weighing them down with dread over the future. This episode is brought to you by: Netsuite | Get visibility to everything in your business in one place. Sign up and defer payments, with no interest, for six months at https:...
Sep 03, 2024•51 min•Ep 172•Transcript available on Metacast Katy and David are both 32. She just got into a PhD program—one she’s very excited about! But David replied by peppering her on possible outcomes, timing, and most of all, cost. It’s just one stark demonstration of how they’re misaligned on money, but many more examples come to light. 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. LMNT | Right now, LMNT is offering 8 ...
Aug 27, 2024•1 hr 5 min•Ep 171•Transcript available on Metacast Noor, 32, and Jibran, 34, join me in our first ever recording in front of a live audience at my Philadelphia event. They make $250,000 in a low cost of living area. Noor wants to finally take a vacation and spend on things that make their life easier. Jibran would rather save, opting to cook and do chores himself. 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...
Aug 20, 2024•1 hr 2 min•Ep 170•Transcript available on Metacast Annie’s 39 and Emery is 43. Although they have a high combined income, Annie makes 5x more than Emery. This leads to frustration over small purchases, like an extra drink at dinner—while they’re on vacation in Europe. Emery also manages their two rental properties even though they earn $0. He’s desperate to sell, but Annie is convinced of their long term value. 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....
Aug 13, 2024•1 hr 14 min•Ep 169•Transcript available on Metacast Emi, 32, and Antonio, 29, have been married for six years and have struggled with debt for even longer. Credit cards, personal loans, student loans, refinancing—Emi has kept her head in the sand through it all. Antonio doesn’t trust himself to fix it. Can they break the cycle for their daughter? 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. ZocDoc | Download the ZocD...
Aug 06, 2024•1 hr 9 min•Ep 168•Transcript available on Metacast Ashley is 29, Brandon is 30. They have been married for six years and have accumulated $261,000 in debt. Despite taking out a surrogate loan, they are still unable to have a baby. Ashley is desperate for a partner, but Brandon struggles to engage—at home, and in this conversation. 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...
Jul 30, 2024•1 hr 6 min•Ep 167•Transcript available on Metacast Christina is 37 and Noah 35. They’re married with one young son and another on the way. They earn a very high income, but their decisions are clouded by stress over money and over the future. Noah plays dream crusher while Christina spins them down a rabbit hole of negative outcomes. This episode is brought to you by: Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindele...
Jul 23, 2024•1 hr 20 min•Ep 166•Transcript available on Metacast Geena is 44 and James 39. They live in Brooklyn where she works as a corporate attorney and he’s a freelance musician—resulting in a 10x income disparity. They travel a lot, but do they invest enough to retire with the lifestyle they want? And does James bring enough to their relationship? 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 wi...
Jul 16, 2024•1 hr 15 min•Ep 165•Transcript available on Metacast