Ramit Sethi of I Will Teach You To Be Rich talks to Clara (29) and Devin (34), who are married with three young kids, and trying to build a future while juggling debt, stress, and wildly different approaches to money. Clara racked up $20,000 in credit card debt, while Devin chooses to gamble instead of investing for retirement. They earn well and own two properties, but with zero savings, 75% in fixed costs, and no shared goals, their financial foundation is crumbling. Underneath the spreadsheets and the spending is a toxic parent-child dynamic, causing Clara to feel disempowered and ashamed, while Devin’s “dreamer” mindset leads him to believe the next big win will fix everything. Can they dismantle these roles, get honest about their spending, and rebuild as true partners before it’s too late? 💡 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-youtube * 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/ If you're enjoying the Money for Couples podcast, I'd love to hear more about you and what you think of the podcast. Take this five minute survey at https://iwt.com/videopod 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 ⏩ CHAPTERS (00:00:00) Inside the parent–child money dynamic (00:06:53) “I spent $4,600 on a single Taylor Swift ticket” (00:11:47) Ramit breaks down their numbers (00:15:14) The “finance guy” with a gambling habit and zero savings (00:21:40) “You eat out 30 times a month” (00:24:27) Growing up in financial chaos (00:28:26) “He’s not a believer in retirement savings” (00:34:55) The “Dreamer” diagnosis (00:38:58) A plan based on hope, not numbers (00:53:59) “If one of your kids got sick, how fast would you change?” (01:04:53) Where are they now? Clara and Devin’s follow-ups