Personal Finance
Saving, budgeting, debt, mortgages, pensions, taxes, financial independence and consumer rights across US, European and Dutch sources.
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This reading list brings together items from the sources selected for Personal Finance. Open each item at its original source for the complete article, episode or video. This is a selection of current coverage, not a complete archive.
Stories from I Will Teach You To Be Rich [YouTube]. Show all stories · All sources
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The Money Decisions That Destroy People
📈 Building wealth isn’t about avoiding every mistake. It’s about having a plan that keeps you moving forward. Join Road to $100K to get a personalized roadmap to your first $100K invested: https://iwt.com/100k-yt A bad investment. An inheritance gone. Crypto wiped out. These financial horror stories all have one thing in common: people thought they were making the right decision. In this video, I break down what went wrong and how to avoid making the same costly mistakes yourself. THIS VIDEO IS BROUGHT TO YOU BY ➡️ DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit and use code RAMIT at checkout for 20% off. Ramit Sethi is the host of Netflix’s “How To Get Rich” and New York Times bestselling author of “I Will Teach You To Be Rich” and “Money For Couples” 🎟️ COME TO MY NEXT LIVE EVENT * Virtual and In-Person Events: https://iwt.com/events 🤳 CONNECT WITH RAMIT * Instagram: https://www.instagram.com/ramit/ * X: https://twitter.com/ramit ✅ SUBSCRIBE SO YOU DON’T MISS ANY VIDEOS https://youtube.com/user/ramitsethi/featured/ ⏩ CREATORS & CONTENT FEATURED IN THIS VIDEO → Brigette Muller https://www.tiktok.com/@hummusbirrd/video/7310671001963236654 → slayez06 https://www.reddit.com/r/AskReddit/comments/15q3ckm/comment/jw1mugk/ → Brooke Anderson https://www.tiktok.com/@brookeanders0n/video/7299859218092264746 → Dry-Wasabi-1450 https://www.reddit.com/r/Fire/comments/1llpfd1/how_do_you_get_over_financial_losses/
Why This Couple Can't Stop Overspending
Addison and James are spending 154% of their take-home income, but their everyday habits haven't changed. Ramit Sethi examines their spending, including frequent Ubers and convenience purchases, and challenges them to rethink what they can actually afford.
She's Spent $30,000 Supporting Him
Addison has spent $30,000 financially supporting James, but she's growing tired of being the safety net in their relationship. Ramit Sethi challenges James on his broken promises and asks what it will take for Addison to trust that things will actually change.
"We spend 154% of what we make. Will we ever stop drowning?"
Ramit digs into how years of overspending, money avoidance, and relying on future income have left a couple with more than $428,000 in debt, no savings, and a financial life they can no longer sustain. Ramit Sethi of I Will Teach You to Be Rich talks with Addison, 39, and James, 43, who earn around $138,000 a year but have $0 in savings and fixed costs consuming a staggering 154% of their take-home pay. Addison feels responsible for keeping their finances afloat, while James admits he's spent years relying on optimism and money he expects to earn in the future. As Ramit digs deeper, it becomes clear they are both contributing to the problem through restaurants, concerts, Ubers, shopping, and pet spending that has reached thousands in a single month. He helps them uncover the childhood money patterns behind their behavior, confront what they can actually afford, and make some of the biggest lifestyle changes attempted on the show all in an effort to stop living on future money and build a financial life they can actually sustain. A special thanks to our new partners at Monarch for sponsoring this episode. Try Monarch for free today, and get 50% off your first year of Monarch’s core tier at https://monarch.com/ramit, promo code RAMIT. When you sign up with my link only, you’ll get your Monarch account customized with my exact CSP categories so you can see exactly how you’re stacking up to your plan each month. That’s https://monarch.com/ramit, promo code RAMIT. In this episode, we uncover: - Why Addison says they may divorce if their relationship with money doesn’t change - How more than $428K of debt, $0 savings, and 154% fixed costs have left them financially exposed - Why James admits he has been “betting on money that’s not there yet” - How Addison became the financial safety net while increasingly feeling like a caretaker - Why restaurants, concerts, Ubers, shopping, and convenience spending became part of their everyday life - How they planned to spend more
“We have 4 kids and nearly $1M in debt. Are we screwed?”
Rebecca and Matthew have been married for 16 years and have four children. They earn around $185,000 a year, but inconsistent income, mounting debt, and years of avoiding difficult money conversations have left them feeling overwhelmed and unsure about their future. Ramit Sethi digs into their numbers, their communication patterns, and the decisions they may need to make to finally regain control of their money.
Why Smart People Buy Cars They Can’t Afford
🚗 Buying your dream car feels a lot better when it doesn’t slow down your financial future. Join Road to $100K to build a personalized plan that helps you grow your wealth first, then spend with confidence: https://iwt.com/100k-yt “I can afford the monthly payment” is one of the most expensive sentences you can say. In this video, I react to real car buying mistakes and break down the hidden costs that turn a simple purchase into a long-term financial drag. The problem isn’t the car—it’s the math people never run. THIS VIDEO IS BROUGHT TO YOU BY ➡️ Facet | As of the date of this recording, Facet is waiving their 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. Offer has been extended to 12/31/2026. Ramit Sethi is the host of Netflix’s “How To Get Rich” and New York Times bestselling author of “I Will Teach You To Be Rich” and “Money For Couples” 🎟️ COME TO MY NEXT LIVE EVENT * Virtual and In-Person Events: https://iwt.com/events 🤳 CONNECT WITH RAMIT * Instagram: https://www.instagram.com/ramit/ * X: https://twitter.com/ramit ✅ SUBSCRIBE SO YOU DON’T MISS ANY VIDEOS https://youtube.com/user/ramitsethi/featured/ ⏩ CREATORS & CONTENT FEATURED IN THIS VIDEO → TheBeaverFamily https://www.tiktok.com/@lovebeav/video/7450632030389308718 → Marina Mogilko & Humphrey Yang https://www.tiktok.com/@humphreytalks/video/7322969856977128750 → Kee & Co. https://www.tiktok.com/@pricey.mami/video/7506233751316204842
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