208. “We make $157K at 22, but we’re afraid to spend money”

Episode 208 of the Money For Couples with Ramit Sethi podcast, hosted by Ramit Sethi, titled "208. “We make $157K at 22, but we’re afraid to spend money”" was published on May 13, 2025 and runs 84 minutes.

May 13, 2025 ·84m · Money For Couples with Ramit Sethi

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Summary

Javier (22) and Marco (22) are young, ambitious, and financially disciplined—but the future they dream about together is being challenged by how they handle money today. They earn a combined income of $157,000, already have more than $60k invested, and live in New York City with shockingly low fixed costs. But despite their impressive financial habits, they’re stuck in a cycle of miscommunication. Javier wants to be cautious now to make big moves later, while Marco wants to split everything 50/50, even if it slows down their long-term progress. With their income gap and no shared plan for spending, saving, or investing, can they plan for a wedding and build their future together? This episode is brought to you by: Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT 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 https://facet.com/ramit to learn more about which membership option is best for you. 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. Upwork | Visit https://Upwork.com to post your job for free and connect with top talent ready to help your business grow. 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.