196. “He used to help me with debt…Now he’s making it worse”

Money For Couples

Ramit Sethi

Relationships, Society & Culture, Investing, Business

4.6 • 3.1K Ratings

🗓️ 18 February 2025

⏱️ 103 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Frank (29) and Jill (33) are parents of two young kids and are trapped in a vicious cycle of overspending and debt. With fixed costs eating up 107% of their income and $25,000 in credit card debt, they’ve been repeatedly digging themselves into a hole—and scrambling to climb back out. Frank solves panic with credit card balance transfers. Jill struggles with emotional spending rooted in childhood. Their lack of communication and alignment has created a wedge in their marriage, making it hard to face their financial reality together. Can Frank and Jill cut spending, break old habits, and build a stable financial future for their family—or will they let the weight of their debt pull them down? This episode is brought to you by: NordVPN | Secure your online privacy with NordVPN’s special offer. Get a huge discount on a 2-year plan, plus 4 bonus months free, when you sign up at https://nordvpn.com/ramit. Superhuman | Get a free month of lightning-fast email at https://try.sprh.mn/ramitsethi. ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today. 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. Fabric by Gerber Life | Join the thousands of parents who trust Fabric to protect their family. Apply today in just minutes at https://meetfabric.com/ramit. Links mentioned in this episode • I’m looking for couples to work with on my podcast in 2025; please apply at iwt.com/apply • Order my new book: Money for Couples 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'm going to tell you something I'm really proud of with the show in the last few months.
0:03.0	We've gone in studio.
0:04.6	We've gone around the country and done live shows.
0:08.0	We've added more and more diverse couples, and we're doing longer and longer follow-ups.
0:13.8	This gets me pumped because we are making the show better every single week.
0:17.9	If you like what we are doing, do me a favor and leave an Apple review.
0:22.9	I read every single one of them and it helps our podcast grow. You can leave the review at
0:28.1	Apple.com slash remit. It's going to help us get better guests. It helps us recruit better
0:34.5	team members and it helps us make this show better every single week.
0:38.9	So go to apple.co slash remit and leave that review.
0:42.7	If you and your partner want my help with your finances, please listen up.
0:46.4	I'm especially looking for couples who have been affected by identity theft, or they have been a
0:52.4	victim of a scam.
0:56.7	And if that has affected your finances,
1:04.8	your money psychology, your relationship, I want to help. If this is you, please apply at IWT.com slash apply. If I think I can help, my team will reach out for an interview with you and your partner,
1:09.6	and if it's a good fit, I'll invite you to join me on the podcast. I'm only looking for couples who are serious
1:16.0	and ready to do the work. So if that's you and you've been affected by identity theft or some kind
1:21.4	of scam, please apply at IWT.com slash apply. On today's episode,
1:28.2	our mentality is always like,
1:29.6	it's just me and him.
1:30.7	And if we just put enough stuff around us,
1:33.2	then we'll be all right.
	...

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