185. “My fiancé has no savings at 43. Should we get married?”

Money For Couples

Ramit Sethi

Relationships, Society & Culture, Investing, Business

4.6 • 3.1K Ratings

🗓️ 3 December 2024

⏱️ 96 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Dawn is 48, Richard is 43, and they’re living paycheck to paycheck. Although they're engaged, they’re struggling to combine their finances because of their varied pasts. Dawn is overspending on kids and grandkids, and Richard has deep scars from a financially devastating breakup. Can they move beyond their past money stories and get aggressive about investing for retirement? This episode is brought to you by: Aura Frames | Save on the perfect gift by visiting https://auraframes.com to get $35-off Aura’s best-selling Carver Mat frames by using promo code RAMIT at checkout. 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. LegalZoom | Launch, run, and protect your business to make it official today at https://legalzoom.com and use promo code RICHLIFE to get 10% off any LegalZoom business formation product excluding subscriptions and renewals. Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.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 • Sign up to attend a live event on my book tour Connect with Ramit • Pre-order my upcoming book: Money for Couples • 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.

Transcript

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0:00.0	Planet Money helps you understand the economy. We find the people at the center of the story.
0:05.1	Garbage in New York. That was like a controlled substance. We show you how money influences everything.
0:11.6	Tell me what you like by telling me how you spend your money. And we dig until we get answers.
0:17.5	I had a bad feeling you're going to bring that up. Planet Money finds out. All you have to do is listen. The Planet Money podcast from NPR.
0:24.5	This January, I'm coming to a city near you. Tickets are now available for my Money for
0:29.6	couples live book tour. Now, if you love the podcast and you want to connect with hundreds of
0:34.6	other people who are trying to improve their relationship with
0:37.5	money, I would love to see you there. Go to IWT.com slash book tour and use the presale
0:43.9	code, Rich Life, to get your tickets now. I can tell you nothing beats the energy of being in that
0:49.6	room and seeing couples live on stage. I'm coming to New York, L.A., Chicago, SF, and more.
0:56.0	So get your tickets at IWT.com slash bookt
0:59.2	and use the pre-sale code, Rich Life.
1:01.8	And we're just not doing any saving or anything.
1:04.0	We have no emergency fund.
1:05.1	We have nothing.
1:05.6	I know I'm behind.
1:06.6	You need a 401K.
1:08.0	You need finances in the bank.
1:09.7	In today's episode, meet Don and Richard.
1:11.9	We're not really sure how to get to the goals that we have with what we have.
1:16.4	I also don't know if my expectations are a little too high.
1:20.1	Don is 48, Richard is 43, and they live paycheck to paycheck.
	...

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