Podcast Feed
174. “We make $300k but spend like we make $1M”
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…
Ramit Sethi
09/17/2024
173. “We spend 113% of what we make—but can’t do anything to fix it” (Part 2)
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 $…
Ramit Sethi
09/10/2024
172. “We saved for retirement but have no money to spend NOW” (Part 1)
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…
Ramit Sethi
09/03/2024
171. “I got into a PhD program! But he’s only worrying about the cost”
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, ti…
Ramit Sethi
08/27/2024
170. “We’re worth $1M in our 30s, but we’re missing out on life”
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 …
Ramit Sethi
08/20/2024
169. “We flew to Lisbon for Taylor Swift, but my $5 beer is the problem?”
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…
Ramit Sethi
08/13/2024
168. “I’m going to die with student loans. Why should I count them?”
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, …
Ramit Sethi
08/06/2024
167. “We took a loan to pay off our credit cards—and maxed them out again”
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 ar…
Ramit Sethi
07/30/2024
166. “I’m embarrassed—we hid $10,000 cash in our closet for 3 years”
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…
Ramit Sethi
07/23/2024
165. “I make 10x my husband’s income. Will we ever feel like equals?”
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 dispa…
Ramit Sethi
07/16/2024
164. “I stress over money—but we’re seeing Taylor Swift in France tomorrow”
Taylor is 39 and Steve is 42. They're married and live in New York City. Steve lost his job years ago, but has coasted without getting serious about …
Ramit Sethi
07/09/2024
163. “I work & watch my infant FT b/c we can’t afford childcare”
James and Nicole, 42 and 44, just had a second baby—but they weren’t prepared for the additional costs associated with a growing family. They spend 9…
Ramit Sethi
07/02/2024
162. “We panic over money—but spend $84K/year on travel and shopping”
Paul, 33, and Maddie, 29, joined us in New York City for a live-recorded episode. She is a high earner, but worries about lifestyle creep. He recentl…
Ramit Sethi
06/25/2024
161. “He hid $77k in CC debt from me—but can’t tell me what he bought”
Jim and Dana are 58, five years into their second marriages, and coping with changes in their new lifestyle in different ways. Jim is set on providin…
Ramit Sethi
06/18/2024
160. “My entire paycheck goes to daycare. Should I stay home?”
Live in NYC, Carlos and Amanda, 36 and 28, join the show to talk through a recurring issue in their relationship—her earning ability vs. the possibil…
Ramit Sethi
06/11/2024
159. “How can we raise 3 kids if she only makes $15k?”
Caleb and Alex are both 27. They have one young child and foster two sisters, both of whom they intend to adopt soon. As children themselves, Caleb a…
Ramit Sethi
06/04/2024
158. “We have $2M, why can’t we retire?” (Part 2)
Rob and Adrienne are nearing retirement but worried about having enough. In Part 2, we dig into their Conscious Spending Plan to reveal a massively s…
Ramit Sethi
05/28/2024
157. “We spent $80,000 more than we made last year” (Part 1)
Adrienne and Rob are 59 and 62, and they are overcome with worry over whether or not they’ve amassed enough wealth to live comfortably, and apply Ric…
Ramit Sethi
05/21/2024
156. "We have 2 kids, 3 cars...but only 1 month of savings" (Part 2)
In the second half of this live-recorded conversation with Paul and Morgan, 37 and 33, we dig deeper into their Conscious Spending Plan to uncover th…
Ramit Sethi
05/14/2024
155. “We have $22k in cc debt—but I want to renovate the house” (Part 1)
Paul and Morgan, 37 and 33, find themselves in a painful loop of arguments and unchecked spending, putting the future of their young family at risk. …
Ramit Sethi
05/07/2024