194. “$0 savings, $0 investments. Is it too late for us?” (Part 2)

Money For Couples

Ramit Sethi

Relationships, Society & Culture, Investing, Business

4.6 • 3.1K Ratings

🗓️ 4 February 2025

⏱️ 81 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

On last week’s episode, we met 38-year-old LaKiesha and 45-year-old James, a couple struggling to get on the same page financially. With no savings, no investments, and deep-rooted money fears, they’re stuck in a cycle of mindless spending. Today, we’re digging back into their CSP—and the numbers are more shocking than they expected. Can they finally break old habits and build their Rich Life together? 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 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 Thrive Market | Head to https://thrivemarket.com/RAMIT and get 30% off your first order—plus a FREE $60 gift! 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 Next Level Wardrobe | Take their free styling quiz and elevate your style at https://nextlevelwardrobe.com/ramit Links mentioned in this episode • Get my new book: Money for Couples • Episode 193. “I’ve filed for bankruptcy twice. Will I ever stop spending?” (Part 1) Connect with Ramit • 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	I want to give a huge thank you for reading my material, for listening, for watching, because I have
0:05.4	some big news.
0:06.5	My new book, Money for Couples, is officially a New York Times bestseller.
0:11.4	I want to give a special thanks to my team who helps take the material that we create and shares
0:16.7	it with the world.
0:17.4	And to you, who ordered the book, who came to my live live a rich
0:25.2	life, that means a ton to me. And it also helps get this book in front of more and more people.
0:30.6	So thank you for your support. If there is someone in your life who can benefit from money for couples,
0:35.8	please send them the link, IWT.com slash money for
0:39.6	couples so that they can get themselves a copy. Thank you again. If you and your partner want my help
0:45.2	with your finances, please listen up. I'm especially looking for couples who have been affected
0:50.2	by identity theft or they have been a victim of a scam. And if that has affected your finances,
0:58.0	your money psychology, your relationship, I want to help. If this is you, please apply at IWT.com
1:05.7	slash apply. If I think I can help, my team will reach out for an interview with you and your
1:10.2	partner. And if it's a good fit, I'll invite you to join me on the podcast.
1:15.1	I'm only looking for couples who are serious and ready to do the work, so if that's you,
1:19.2	and you've been affected by identity theft or some kind of scam, please apply at IWT.com
1:26.2	slash apply.
1:27.9	On last week's episode, we met 38-year-old Lakeisha and 45-year-old James.
1:33.2	We've talked about money, but it's some more from a lack of, right?
1:37.3	I want to get on the other side of that.
1:39.0	The couple recently moved in together, and they're trying to get on the same page about their finances, but it's a challenge.
	...

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