Ramit Sethi (@ramit.sethi)

“It felt like we needed a new TV.” They’ve tried everything except saying no. ▶️ Watch and listen to “Money For Couples” on Spotify, YouTube, or wherever you get your podcasts.

Both of their parents opened credit cards in their names. When the people who should protect you take advantage of you instead, it shapes how you handle money as an adult. ▶️ Watch and listen to “Money For Couples” on Spotify, YouTube, or wherever you get your podcasts.

How does a couple earning $178K a year end up with just $571 in savings? ▶️ Watch and listen to “Money For Couples” on Spotify, YouTube, or wherever you get your podcasts. This week, I’m talking with Michelle and Jeff, who are approaching 20 years of marriage and have three kids. They’re earning…

Your dog does not deserve $1,029 a month in food, treats, and toys. Not when your fixed costs are at 154% of your take-home pay. They’re lovely dogs, and they’ll be fine. But this is what happens when you never look at the actual numbers. Spending that feels normal quietly adds up to something…

If you’ve known something for years and changed nothing, more information isn’t the answer. This couple knows spending 154% of their take-home pay on fixed costs isn’t sustainable, yet they spent $111 on Ubers in a single day for the convenience. The real issue is their invisible scripts: the…

“Do I really have a partner, or am I a caretaker?” That’s the question she couldn’t stop asking after years of quietly covering trips, rent, and bills, about $30,000 in total. Every time she raised it, she got the same response: a promise to do better, plus some defensiveness. Eventually, promises…

What happens when years of overspending and avoidance leaves a couple with $428K+ in debt and a financial life they can no longer sustain? ▶️ Watch this episode of Money For Couples on YouTube via the link in my bio. I’m talking with Addison (39) and James (43) who earn around $138K/year but have…

You can make $185,000 a year and still end up fighting over the prices at Target. When there’s no plan, every purchase becomes a debate. Dinner out, a concert, a quick store run. But when you know your numbers, you don’t have to argue about each one. You already know the answer, yes or no. And…

If you keep asking where the money for a trip is going to come from, the answer is usually that there was never a plan. Avoiding that reality doesn’t make the money appear. It just pushes the disappointment down the road. The fix isn’t another vague conversation. It’s deciding ahead of time how…

Supporting your partner’s dream shouldn’t mean ignoring the numbers. When you’re $633,000 to $1 million in debt with no retirement, this isn’t about long-term wealth anymore. It’s about protecting your family. And sometimes the most loving thing you can do is ask the hard question: When is it time…

What happens when a couple with 4 kids is close to $1M in debt and still can’t talk about money? ▶️ Watch this episode of Money For Couples on YouTube via the link in my bio. I’m talking with Rebecca and Matthew, who have been married for 16 years and have 4 children. They earn around $185K/year…

You can look rich and still feel broke. A high income can buy you the houses, private schools, vacations, and comfortable lifestyle. But if every dollar that comes in is already spoken for, you can still end the year wondering, “Where did all our money go?” That’s what I mean by “rich poor.” ▶️…

You can make $1 million a year and still not be able to afford the lifestyle everyone around you seems to have. That’s what makes “keeping up with the Joneses” so dangerous. When everyone around you has the houses, cars, private schools, camps, and vacations, it starts to feel normal. But “normal”…

What happens when a couple earns more than $1M a year but still feels like they’re living month to month? I’m talking with Margo (42) and Kevin (52) who live in Brooklyn with their five children. They take home around $600K a year and have approximately $11M in assets, yet only around $50K in…

If you’re doing all the work with money, eventually you’re going to resent it. But there’s another side to this: If your partner feels like their input is constantly dismissed, eventually they may stop participating altogether. Then one person feels exhausted from carrying everything while the…

“I want you to be more involved with our money.” Then he suggests an idea—and she immediately tells him it’s one of the worst things he could do. Eventually, he stops trying. ▶️ Watch this full episode of “Money For Couples” on YouTube. Link in bio.

An $8 difference on an ice cream scoop revealed a much bigger problem in their relationship. It wasn’t really about the ice cream scoop. It was about one partner feeling like even his smallest financial decisions were being judged. ▶️ Watch this full episode of “Money For Couples” on YouTube. Link…

How do you manage money as a couple after a job loss…and what happens when one partner carries most of the financial responsibility while the other starts stepping back? I’m talking with Isabelle (37) and Ryan (40) who have been married for 12 years and have a four-year-old daughter. After Ryan…

“We’ll figure it out later” is not a financial plan. In their case, “later” means Grace has to figure out where the money is going to come from—and sometimes pull it from another account to cover what they already spent. ▶️ Watch this full episode of “Money For Couples” on YouTube. Link in bio.

They’re spending more than they make every single month. They have one month of savings. And they’re talking about starting a family. They both know how serious the situation is—but they’re still tiptoeing around each other instead of having the conversations that need to happen. ▶️ Watch this…

When I gave her the chance to cut their spending from 113% to 60%, the first thing she wanted to cut was food. Not the cleaning service, fitness, or Spotify. That’s why cutting expenses isn’t as simple as looking for the easiest number to slash. You have to get clear on what you actually value—and…

This week, I’m talking with Grace (30) and Chris (29), who have been married for 6 months. They have around $119,500 invested and unusually low housing costs, yet their finances feel chaotic and unstable. They spend more than they make, struggle to understand where the money goes, and have never…

Being $100K in debt doesn’t mean you have to feel horrible about money. In fact, believing you SHOULD feel horrible can make things worse, because when you associate money with stress, shame, and anxiety, what do you do? You avoid it. ▶️ Watch this full episode of “Money For Couples” on YouTube…

Today I’m unpacking whether Randy can move toward marriage while Mack brings $100K of debt into their future together — and whether that debt could become a problem they both have to live with. Randy and Mack are in their early 30s and are talking seriously about marriage. But their financial…

He went back to work. Her resentment didn’t magically disappear. For 4½ years, she watched him sit on the couch while she worked 60-hour weeks. But they never really talked about what his working represented to her—or what those years had done to their relationship. ▶️ Watch this full episode of…

They don’t talk about investing because they’re afraid it’ll turn into a fight. So instead, they don’t talk about it at all. That might feel easier in the moment, but avoiding money conversations doesn’t make the problems disappear. It gives them years to pile up. ▶️ Watch this full episode of…

#stitch with @Kelseysnonsense you belong in the nice restaurant. So many of us shrink our dreams because of the way we grow up

A Rich Person’s Guide to Travel

They’re not really fighting about a $150,000 pool. He feels like he can’t say “no” without becoming the villain. She resents hearing “no” from someone she doesn’t think is contributing enough. That’s how a conversation about spending turns into a much bigger fight about fairness, contribution, and…

Wealth, social class, and taboos