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, ...
Jan 16, 2024•1 hr 9 min•Ep 139•Transcript available on Metacast 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 t...
Jan 09, 2024•1 hr 25 min•Ep 138•Transcript available on Metacast 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. Rock...
Jan 02, 2024•53 min•Ep 137•Transcript available on Metacast 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 ...
Dec 26, 2023•1 hr 9 min•Ep 136•Transcript available on Metacast 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://m...
Dec 19, 2023•1 hr 18 min•Ep 135•Transcript available on Metacast 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 ...
Dec 12, 2023•1 hr 3 min•Ep 134•Transcript available on Metacast 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...
Dec 05, 2023•59 min•Ep 133•Transcript available on Metacast 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...
Nov 28, 2023•1 hr 17 min•Ep 132•Transcript available on Metacast 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 subscripti...
Nov 21, 2023•1 hr 15 min•Ep 131•Transcript available on Metacast 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 ...
Nov 14, 2023•1 hr 20 min•Ep 130•Transcript available on Metacast 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 ...
Nov 07, 2023•1 hr 10 min•Ep 129•Transcript available on Metacast 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 s...
Oct 31, 2023•1 hr 7 min•Ep 128•Transcript available on Metacast 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...
Oct 24, 2023•1 hr 27 min•Ep 127•Transcript available on Metacast 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'v...
Oct 17, 2023•51 min•Ep 126•Transcript available on Metacast 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. Rocke...
Oct 10, 2023•59 min•Ep 125•Transcript available on Metacast 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 ...
Oct 03, 2023•1 hr 18 min•Ep 124•Transcript available on Metacast 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 visi...
Sep 26, 2023•53 min•Ep 123•Transcript available on Metacast 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...
Sep 19, 2023•1 hr 17 min•Ep 122•Transcript available on Metacast 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...
Sep 12, 2023•1 hr 12 min•Ep 121•Transcript available on Metacast 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 mon...
Sep 05, 2023•1 hr•Ep 120•Transcript available on Metacast 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 no...
Aug 29, 2023•1 hr 18 min•Ep 119•Transcript available on Metacast 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 Doo...
Aug 22, 2023•1 hr 14 min•Ep 118•Transcript available on Metacast 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. Bette...
Aug 15, 2023•59 min•Ep 117•Transcript available on Metacast 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 | Ge...
Aug 08, 2023•1 hr 18 min•Ep 116•Transcript available on Metacast 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...
Aug 01, 2023•1 hr 20 min•Ep 115•Transcript available on Metacast 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 afford...
Jul 25, 2023•1 hr 15 min•Ep 114•Transcript available on Metacast 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 unlimit...
Jul 18, 2023•1 hr 6 min•Ep 113•Transcript available on Metacast 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 Gerbe...
Jul 11, 2023•1 hr 5 min•Ep 112•Transcript available on Metacast 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...
Jul 04, 2023•56 min•Ep 111•Transcript available on Metacast 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://j...
Jun 27, 2023•1 hr 9 min•Ep 110•Transcript available on Metacast