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Money For Couples with Ramit Sethi

249. "We have $2M. Why can’t we enjoy life now?"

2/24/20261 hr 45 min

Ramit Sethi of I Will Teach You To Be Rich talks to Chris and Heather, a couple aged 41 and 39 respectively, who, despite earning over $450,000 annually and boasting a $2.18 million net worth, feel like they're living paycheck to paycheck.

Heather, an accomplished healthcare professional, worries that despite their income, they aren't organizing their finances effectively, leading to a feeling of scarcity. Chris, who works for the State of California, focuses on long-term retirement planning but avoids making crucial decisions, leading to "analysis paralysis." Their differing views on spending - Heather’s desire for "rich life now" versus Chris's ca...

Clips

Showing 10 of 12
Defining Paycheck-To-Paycheck Meltdown
Net Worth Means Nothing
Dementia, Fear, And Planning
The $6,000 Mattress Debate
What Is Enough, Really?
You’re Already Set Numbers
Owning Luxury Without Apology
Do You Enjoy Your Money?
Half-Painted House Standstill
Addicted To Feeling Behind

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. Holy [beep]. We have a couple here who's making $400,000 plus per year, and you are saying it feels like we are living paycheck to paycheck.

  2. Heather· Guest0:39

    We're not organized in how we manage it. It feels like, "Oh, it's here, might as well spend it."

  3. Ramit Sethi· Host0:44

    [laughs] $2.18 million net worth. What do you think about those numbers?

  4. Chris· Guest0:49

    To me, net worth is just a number.

  5. Ramit Sethi· Host0:51

    Means nothing to you?

  6. Chris· Guest0:52

    Yeah.

  7. Heather· Guest0:53

    I'm not sure that it's enough. I don't have confidence.

  8. Ramit Sethi· Host0:56

    The two of you are really stuck in a cycle. The real cost here is that the two of you just are not having fun with money.

  9. Chris· Guest1:02

    Is this, like, how she really thinks of me? Like, I thought 140 was a respectable income. I know it's not anywhere near what she makes.

  10. Heather· Guest1:09

    When he said 140, I'm like, "Mm, the math ain't mathing." He flashed his phone in my face and was like, "Bam, you're wrong."

  11. Chris· Guest1:16

    I feel drained.

  12. Ramit Sethi· Host1:18

    You don't trust the financial advisor you spoke to, you don't trust your husband, you don't trust yourself. What the [beep] is going on right now? You know why I occasionally feature couples who make a lot

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