Having a money person in the relationship is a huge mistake.

A mistake. It's a huge mistake.

Oh, I thought you're about to say that's a good thing.

No, it's bad. Great. Is that what happens here?

Oh, shit. All right. Let me get the mic.

Dear Shandy.

Welcome back to Dear Shandy listeners. Hello, Andy. You're on my right today. How are you?

Good. I actually wore a shirt for the occasion, but it's that special. Yes. Our guest is so

esteemed that Andy couldn't possibly wear a mere white V. Yes. He still got a V. It's. And our guest even noticed and commented on it. And so our guest is really someone special. He actually, we've had him on before. This is our second hot topic with this guest. But he was so good, so popular. He performed really well. He's a star. He is a finance expert who gives raw

unfiltered money advice, but also talks the psychology behind our decisions with money.

He is the author of the New York Times bestsellers. I will teach you to be rich and the brand new

money for couples. No more stress. No more fights. Just a 10-step plan to create your rich life together. I love that. He's a star of Netflix's docu-series, How to Get Rich. He's the host of the hit podcast Money for Couples with Ramit Sati, and you can find him on Instagram at Remit, and on YouTube at Remit Satie. Remit-Satee, thank you so much for joining us. Thanks for having me. And I am truly honored that you're not wearing a white shirt. This is an amazing moment. Yes, this is big. That's big. What, 400, 390 episodes? Yeah, about 390, yeah. This is the first time. It's a big deal. Yeah, well, we've become friends with Rameet, actually, since our last recording with him, and we know how much he respects style. I mean, he's married to a stylist. That's right. That's right. So I really appreciate both of you. And thanks for having me back. Whenever we hang out with you, we really are like, what are you wearing? What are you wearing? Right? Pressure's on. You can guess what Reemit's rich life choice is. Well, Andy made the mistake the first time we ever hung out of wearing all birds, which... Oh, my wife had a... She's very inclusive, but I don't think she loves all birds. Yeah, yeah. She had a strong opinion about them. I know, and I've never won them again? I have to say they don't get much airtime anymore after that. I wear them to go downstairs at the basement. So I will first mention that if you missed our first episode with Rameet, we cover over there the concept of your rich life, the biggest mistakes people make with their money, investing

and saving 101, your first steps if you have debt or bad credit, how you should divvy your

finances in a relationship, pre-ups and more. So I will link it in the description and also

it's right there in or there in case you missed that one because we want this to be an add-on

and not repetitive.

Okay, so, Rameit, we're going to start off with relationships.

Obviously, your book is Money for Couples.

What inspired you to write a book specifically for couples?

I had a lot of challenging conversations about money with my now wife.

And when we started talking about money, we came from different places. I had been running a business for 15 years. And she had a 9 to 5 job. So even though we grew up really

similarly, we saw money differently. And we started actually going through the pre-up process. And I was

...