147. “I don’t trust him with money, so I check his cc accounts”

Money For Couples

Ramit Sethi

Relationships, Society & Culture, Investing, Business

4.6 • 3.1K Ratings

🗓️ 12 March 2024

⏱️ 78 minutes

🔗️ Recording | iTunes | RSS

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Summary

Ashley and Christopher, 30 and 28, recently got engaged and look forward to planning a wedding, having kids, etc. But Christoper has lived with credit card debt his whole life. As an accountant, he feels like he’s got it under control. Ashley worries about what his spending means for their future. 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. 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. 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. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.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.

Transcript

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0:00.0	A quick favor to ask, if you enjoy this podcast, do me a favor.
0:04.0	Please go to Apple or Spotify and click follow.
0:08.0	See, part of the reason that I started this podcast is that money is taboo.
0:12.0	And my dream is to be able to inspire millions of people just like you
0:17.2	to build a healthier relationship with money. And so by clicking follow on Apple Podcast or Spotify, it really helps my team and it helps this
0:26.1	podcast get in front of more couples who need it.
0:29.7	Thank you again for being an IWT listener.
0:32.1	It means a lot to my team and it means a lot to me.
0:34.4	Do you notice on this show that a lot of couples fight about the price of ice cream or a $20
0:40.1	Amazon purchase and one of the primary reasons for that is that their fixed costs
0:44.8	are just too high. We've seen 70%, 83%, even 125% fixed costs on this show.
0:52.2	Now of course I recommend they work to get those costs down.
0:55.8	Cut subscriptions, pay off debt, cut their groceries, maybe even their housing costs or car.
1:01.5	But frankly the price of toothpaste is the price of toothpaste. Everybody's
1:06.1	basically paying the same amount. So naturally as your income goes up your fixed
1:10.5	cost percentage will go down. If you want to know how to increase your income you your
1:14.0	income you should come to my next live coaching call.
1:17.0	This March 14th in my money coaching program,
1:19.0	we're going to talk about how to negotiate a higher salary. I'm going to show you some of the techniques that
1:24.4	lots of my students have used to negotiate their salary, whether it's at their existing
1:29.4	job or for a new job. And at the end, plenty of time for Q&A. You can only get the invitation to this
1:36.0	live call, how to negotiate a higher salary by joining my coaching program at iWT.com
	...

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