158. “We have $2M, why can’t we retire?” (Part 2)

158. “We have $2M, why can’t we retire?” (Part 2)

Rob and Adrienne are nearing retirement but worried about having enough. In Part 2, we dig into their Conscious Spending Plan to reveal a massively successful investment strategy that remains shrouded by deep lingering fears, $3 questions, and hard-to-break bad habits with money. This episode is brought to you by: Rocket Money | Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to https://rocketmoney.com/ramit. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off. Hatch | A million things don’t want you to sleep, Hatch does. Get $20 off a Hatch Restore at https://hatch.co/ramit. Facet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit. Superhuman | Get a free month of lightning fast email at https://try.sprh.mn/ramitsethi. Links mentioned in this episode • “We spent $80,000 more than we made last year” (Part 1) Connect with Ramit • Get the Podcast Newsletter and exclusive Q&A about the show • 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 Submit a question for the newsletter iwt.com/askramit 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.

Episoder(257)

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 Des 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 Des 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 Des 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 Des 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 Nov 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 Nov 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 Nov 20251h 10min

233. “I save while she spends on vacations. Is this fair?”

233. “I save while she spends on vacations. Is this fair?”

Samantha (36) and Kevin (41) have been together for seven years, but their financial lives couldn’t look more different. He’s a high earner with $800,000 in investments and a paid-down mortgage. She’s...

4 Nov 20251h 38min

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