199. “I struggle w/ cc debt but insisted on a Cartier wedding ring”

Money For Couples

Ramit Sethi

Relationships, Society & Culture, Investing, Business

4.6 • 3.1K Ratings

🗓️ 11 March 2025

⏱️ 78 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

On today’s episode, we’re live from Boston for my recent Money For Couples book tour. First, I talk with Robert (28) and Giselle (28) who appear to have it all together, but behind the scenes, they’re struggling to make intentional financial decisions. Instead of planning ahead, they make impulsive decisions like committing $7,500 of earnest money to a new home that they can’t afford. Now, they’re questioning if they can still plan the wedding they want. Then we’ll meet Sara (28) and Jay (28) who are newly married and learning how to navigate finances together. Sara is a disciplined saver who avoids debt, while Jay is a big-picture dreamer—planning elaborate vacations without considering the cost. Sara has graciously agreed to help Jay pay off his debt, but was blindsided when Jay revealed the full amount post-honeymoon. Now, as they plan for homeownership and parenthood, trust and transparency are more important than ever. This episode is brought to you by: DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. 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. Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit Facet | Facet is waiving their $250 enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to https://facet.com/ramit to learn more about which membership option is best for you. Links mentioned in this episode • Start earning $1k on the side in 30 days—using skills you already have at iwt.com/earn1k • 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: https://iwt.com/apply Produced by Crate Media.

Transcript

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0:00.0	If you've ever thought, I'd love to make extra money, but where am I supposed to start?
0:04.5	Listen up.
0:05.6	A lot of people think that the only way to make more money is to get another job or to work more
0:10.6	hours.
0:11.2	Not true.
0:12.9	Inside Earn 1K, I teach you how to start earning $1,000 on the side in 30 days using the
0:19.8	skills you already have. You don't need to quit your job.
0:23.2	You don't need a new degree. You don't need a huge social media following. You need the right
0:28.8	strategy to find your profitable idea. Get paying clients and grow from there. I've helped
0:36.1	thousands of people do this already.
0:38.5	I want to help you too.
0:40.0	Enrollment is open right now, but not for long.
0:43.0	Get all the details at IWT.com
0:45.9	slash earn 1K or click the link in the description below.
0:50.4	Yes, welcome Boston.
0:58.0	How do you all feel in front of this crowd? A lot of people. Are you guys here to support them?
1:04.6	You wrote that you lost $5,000 when you were house hunting. What happened? We left with nothing.
1:10.8	Timeside virus is such a... What do you spend on? Food. I like to cook. I cook a lot. Hold on, no one can spend 74% on food.
1:11.6	You'd be surprised.
1:12.6	Obviously, you can acknowledge your TikTok and Instagram these days.
1:15.6	No, no, no, no, tell the truth.
1:17.6	Tell the truth.
	...

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