200. “Should we pay off our massive debt? Or invest more?”

200. “Should we pay off our massive debt? Or invest more?”

Wilson (46) and Shannon (35) have built a strong financial foundation—owning a vacation rental, maxing out Roth IRAs, and earning solid incomes. But when it comes to their next move, they’re at odds. Wilson wants to tap into their home equity to invest in stocks, believing they’re too heavily weighted in real estate. Shannon, more risk-averse, worries about adding debt when they already owe $129K on their home, plus tax and student loans. Can they align on a strategy that balances security with growth? This episode is brought to you by: Gelt | Get a more premium, proactive tax strategy to optimize and file your taxes at https://joingelt.com/ramit. Wildgrain | Get $30 off the first box - PLUS free Croissants in every box at https://wildgrain.com/ramit Superhuman | Get a free month of lightning fast email at https://superhuman.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. 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 facet.com/ramit to learn more about which membership option is best for you. Links mentioned in this episode • 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.

Jaksot(258)

240. “We book $10K vacations, then panic about money”

240. “We book $10K vacations, then panic about money”

Cheryl (67) and Michael (69) have built rich, full lives: multiple careers, reinventions, and nearly 12 years of marriage. Yet when it comes to money, they feel stuck. They earn about $120,000 a year,...

23 Joulu 20251h 36min

Listener Favorite: "I'm almost 40 and still living paycheck to paycheck”

Listener Favorite: "I'm almost 40 and still living paycheck to paycheck”

Today, we’re revisiting one of our favorite Money For Couples episodes of the year. Update: Romy and Travis recently shared an update on YouTube about where they are now. You can watch it here.  Rom...

19 Joulu 20251h 27min

239. "He quit his high paying job and didn’t tell me"

239. "He quit his high paying job and didn’t tell me"

Jamie (45) and Ryan (36) have been married for nearly a decade and share three kids, but their financial foundation was shaken when Ryan quit his high-paying finance job and cashed out his 401(k) with...

16 Joulu 20251h 41min

238. "We’re in credit card debt again. Will this ever stop?"

238. "We’re in credit card debt again. Will this ever stop?"

Ado (33) and Gabby (32) are exhausted by a cycle they can’t seem to escape: getting into credit card debt, paying it off, and then ending up right back where they started. Now, with $44,000 in credit ...

9 Joulu 20251h 39min

237. “We bought our dream house. Then he lost his job.”

237. “We bought our dream house. Then he lost his job.”

Karen (45) and Chad (44) built their lives around a high income: buying their dream home in a high-cost city and raising three kids with confidence in the future. But when Chad lost his $340K tech job...

2 Joulu 20251h 19min

236. “She spent $5K behind my back. How can I trust her?”

236. “She spent $5K behind my back. How can I trust her?”

Alex (34) and Jackie (33) have been married for 11 years, raising four young kids while navigating a financial dynamic that’s been strained for nearly as long. Alex is meticulous and cautious — he’s t...

25 Marras 20251h 39min

235. "Can we pay off this debt faster?" (Part 2)

235. "Can we pay off this debt faster?" (Part 2)

Imani (52) and Michael (65) return for Part 2—and this time, Ramit pushes them to find out how fast they can turn things around. After years of miscommunication, mounting debt, and emotional exhaust...

18 Marras 20251h 24min

234. "We have $100k+ in debt. Will we ever enjoy life?" (Part 1)

234. "We have $100k+ in debt. Will we ever enjoy life?" (Part 1)

Imani (52) and Michael (65) have been married for 24 years—and they’re drowning in nearly $126,000 of consumer debt despite earning over $250,000 a year. Imani, a disciplined attorney who tracks eve...

11 Marras 20251h 10min

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