Episódios

  • 174. “We make $300k but spend like we make $1M”

    174. “We make $300k but spend like we make $1M”
    Sep 17 2024
    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 Mobile | To get your new wireless plan for just $15 a month, go to https://mintmobile.com/ramit. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit. 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. Links mentioned in this episode • Pre-order my upcoming book: Money for Couples Connect with Ramit • Pre-order my upcoming book: Money for Couples • Get the Podcast Newsletter and exclusive Q&A about the show • Sign up to attend a live event on my book tour • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.
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    1 hora e 18 minutos
  • 173. “We spend 113% of what we make—but can’t do anything to fix it” (Part 2)

    173. “We spend 113% of what we make—but can’t do anything to fix it” (Part 2)
    Sep 10 2024
    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/ramit. 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. ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today. Babbel | For our listeners only, get 60% off your Babbel subscription at https://Babbel.com/ramit. Trust & Will | Secure your assets and protect your loved ones. Get 10% off plus free shipping on your estate plan documents by visiting https://trustandwill.com/ramit. Links mentioned in this episode • “We saved for retirement but have no money to spend NOW” (Part 1) Connect with Ramit • Pre-order my upcoming book: Money for Couples • Get the Podcast Newsletter and exclusive Q&A about the show • Sign up to attend a live event on my book tour • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.
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    59 minutos
  • 172. “We saved for retirement but have no money to spend NOW” (Part 1)

    172. “We saved for retirement but have no money to spend NOW” (Part 1)
    Sep 3 2024
    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://iwt.com/netsuite. Superhuman | Get a free month of lightning fast email at https://try.sprh.mn/ramitsethi. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. 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. 99 Designs | Get $50 off your first design contest at 99designs.com/ramit. Links mentioned in this episode • “We spend 113% of what we make—but can’t do anything to fix it” (Part 2) Connect with Ramit • Pre-order my upcoming book: Money for Couples • Get the Podcast Newsletter and exclusive Q&A about the show • Sign up to attend a live event on my book tour • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.
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    51 minutos
  • 171. “I got into a PhD program! But he’s only worrying about the cost”

    171. “I got into a PhD program! But he’s only worrying about the cost”
    Aug 27 2024
    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 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. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today. Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit. Links mentioned in this episode • Pre-order my upcoming book: Money for Couples Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.
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    1 hora e 5 minutos
  • 170. “We’re worth $1M in our 30s, but we’re missing out on life”

    170. “We’re worth $1M in our 30s, but we’re missing out on life”
    Aug 20 2024
    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.com/ramit. Grammarly | Easier said? Done. Save time with one click. Sign up and download for free at https://grammarly.com/ramit 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://joindeleteme.com/ramit for 20% off. Trust & Will | Secure your assets and protect your loved ones. Get 10% off plus free shipping on your estate plan documents by visiting https://trustandwill.com/ramit Links mentioned in this episode • Pre-order my upcoming book: Money for Couples • Sign up to attend a live event on my book tour Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.
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    1 hora e 2 minutos
  • 169. “We flew to Lisbon for Taylor Swift, but my $5 beer is the problem?”

    169. “We flew to Lisbon for Taylor Swift, but my $5 beer is the problem?”
    Aug 13 2024
    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. 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. Superhuman | Get a free month of lightning fast email at https://try.sprh.mn/ramitsethi. Babbel | For our listeners only, get 60% off your Babbel subscription at https://Babbel.com/ramit. 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. Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.
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    1 hora e 14 minutos
  • 168. “I’m going to die with student loans. Why should I count them?”

    168. “I’m going to die with student loans. Why should I count them?”
    Aug 6 2024
    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 ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today. Netsuite | Get visibility to everything in your business one one place. Sign up and defer payments, with no interest, for six months at https://iwt.com/netsuite. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Links mentioned in this episode • Join Earnable Live Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube • Submit a question for the newsletter iwt.com/askramit If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.
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    1 hora e 10 minutos
  • 167. “We took a loan to pay off our credit cards—and maxed them out again”

    167. “We took a loan to pay off our credit cards—and maxed them out again”
    Jul 30 2024
    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, 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. Trade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit. Pique Tea | Get up to 15% off and 12 tea samples at https://piquelife.com/ramit. Next Level Wardrobe | Dress like an elevated version of you. Take a free styling quiz at https://nextlevelwardrobe.com/ramit. Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube • Submit a question for the newsletter iwt.com/askramit If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here. Produced by Crate Media.
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    1 hora e 7 minutos