Particle Data Platform
Money For Couples with Ramit Sethi

248. "Her spending scares me. Should we get married?"

2/17/20261 hr 42 min

Ramit Sethi of I Will Teach You To Be Rich talks to Cre and April, a couple of five years, aged 46 and 48. Cre lives a debt-averse life and has been methodically building her wealth.

April, on the other hand, earns more than twice Cre's income but struggles with significant debt and zero savings. They are at a crossroads, contemplating moving in together, but their conflicting approaches to money present a major hurdle.

Cre fears that April’s spending habits will lead to constant arguments and financial strain, especially with the prospect of marriage and inheriting Ap...

Clips

Saver vs. "Live Life" Showdown
$100k Basement Confession
Marriage Debt Fear Laid Bare
“Why would you change?” Challenge
“Your detector is off” Wake-up
April Accepts The Standard
Dating Her Grandmother?
“Where’s the savings?” Reality Check
“Set your standard higher” Push
France Trip Pressure Story

Transcript preview

First 90 seconds

  1. Ramit Sethi· Host0:00

    If you or your partner has fallen for a scam, I wanna help, especially if you've recently fallen for an email or text scam, or you've gotten bad financial advice from someone who did not keep their promises, or maybe you just have not even told your partner because you are embarrassed. If this is you, I wanna talk. Apply for free coaching with me by being on my podcast. Apply today at iwt.com/apply. That's iwt.com/apply. You're gonna move in together. You're gonna get married. What are we doing here?

  2. Cree· Guest0:32

    I guess the problem is I don't agree with how she spends money.

  3. April· Guest0:34

    And I don't agree with how she wants to hoard money and not live life.

  4. Cree· Guest0:40

    That's extreme.

  5. April· Guest0:41

    I'm definitely on defense. It feels like micromanagement.

  6. Cree· Guest0:44

    Say we got married, then I owe $379,000 in debt. My salary's not gonna be able to take care of all that. We're gonna be in a world of hurt. It scares me.

  7. Ramit Sethi· Host0:55

    You have zero in savings.

  8. April· Guest0:56

    True.

  9. Ramit Sethi· Host0:57

    How much did the basement cost?

  10. April· Guest0:58

    Oh, it was 100 grand.

  11. Ramit Sethi· Host0:59

    What the [beep]!

  12. Cree· Guest1:00

    She doesn't see that there is a problem, so there's nothing to fix.

  13. Ramit Sethi· Host1:03

    I need you to set the standard for yourself higher. I'm not here to fix you. Only you can fix your situation. Are the two of you financially compatible?

  14. April· Guest1:12

    Um...

  15. Ramit Sethi· Host1:13

    Listen to this line from her application: "We haven't been able to take the next step in our relationship because we don't see eye to eye on money. It has been a roadblock that has almost led to a breakup." Today, I'm speaking with

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