"She inherited $171K…but it’s already gone."

I Will Teach You To Be Rich January 13, 2026
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I Will Teach You To Be Rich

@ramitsethi

About

Fix your money in just 48 hours with Money Coaching — link below👇🏽 I’m the host of Netflix’s “How to Get Rich” & wrote the NYT bestsellers, “I Will Teach You To Be Rich” & "Money For Couples" I believe you can spend extravagantly on the things you love as long as you cut costs mercilessly on the things you don’t. Stop guessing about money. Subscribe and start building your Rich Life today.

Video Description

Ramit Sethi of I Will Teach You To Be Rich talks to Mike and Noel, a young couple who are both 34. They married just 6 months ago, but financial fights have become a daily occurrence, even after receiving a $170K windfall. Mike blames Noel for overspending, but admits they both struggle with money, while Noel views the windfall as "guilt-free" spending. With $244K in debt, zero savings, and 82% of their income going to fixed costs, Ramit helps them uncover the root of their money woes. Will they finally get on the same page, create a financial system that works, and learn to trust each other with money? In this episode we uncover: • How Mike’s money anxiety leads him to check his bank account 20 times a day • The shocking truth about their $170K windfall • Why Mike’s anxiety worsens when he makes more money • The one money rule Mike and Noel both broke • How Mike’s upbringing shaped his money habits • Why Noel feels like she's "drowning" and has no control over their finances • The spending categories that reveal their money psychology • Why Mike's "money is mine" mentality is holding them back • Noel’s struggle to “hand over her paycheck” • The credit card debt that keeps piling up • Ramit’s radical approach to cutting fixed costs • The “Glade Plug-in” budget that explains everything • Noel’s difficult decision about tithing and faith • Why benchmarking against past mistakes is a recipe for disaster • The truth about their approach to money ⏩ CHAPTERS (00:00:00) “We just kinda like get whatever we want whenever we want it” (00:07:02) “I was stressing more than ever before” (00:14:04) The one money rule they both broke (00:24:29) “You treat me like a child” (00:32:39) Ramit identifies their “money leaks” (00:39:34) “I don’t want to hand over my paycheck” (00:47:30) “My goals are not being met” (00:55:38) The “Glade Plug-in” budget (01:00:03) “I do wanna have a Glade budget” (01:06:50) How Mike’s upbringing shaped his money habits (01:15:10) Ramit shares his radical advice (01:21:10) Preview for part two 💡 RAMIT’S PODCAST NEWSLETTER * I share new ways to think about money every Saturday. Get the emails here: https://iwt.com/podcastnewsletter 🙌 GET HELP FROM RAMIT SETHI * Order my new book: Money for Couples: https://iwt.com/moneyforcouples * Take control of your money with the Conscious Spending Plan: https://iwt.com/csp * Optimize your credit cards with the 1st chapter of my book: https://iwt.com/chapter1-pod * Join my Money Coaching program for monthly help: https://iwt.com/moneycoaching * Listen to my book — now on Audible: https://amzn.to/48zko28 🤳 CONNECT WITH RAMIT SETHI * Instagram: https://www.instagram.com/ramit/ * X: https://twitter.com/ramit ✅ SUBSCRIBE SO YOU DON’T MISS ANY EPISODES https://youtube.com/user/ramitsethi/featured/ THIS EPISODE IS BROUGHT TO YOU BY Bilt | Join the loyalty program for renters at https://joinbilt.com/ramit Wispr Flow | Try Wispr Flow for free at wisprflow.ai/ramit Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist Netsuite | Get the free guide “Demystifying AI” at https://netsuite.com/ramit Fabric by Gerber Life | Join the thousands of parents who trust Fabric to protect their family. Apply today in just minutes at https://meetfabric.com/ramit 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: https://iwt.com/apply

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