The most common issue I talk to couples about

It’s not about debt, not about their spending, and not about their savings. Can't view this email properly? [View in Browser]() {NAME}, Now that I’ve done [more than 100 podcast episodes](), I can tell you this with certainty: The issue I talk to couples about most frequently is…how they think and talk about money. It’s not just about how much debt they’re in or how they got into it, not about their spending, not about their savings. All of these things are important. But how we talk to our partners about them is the difference between living a Rich Life…or being trapped by our invisible scripts forever. Talking about money with your partner might sound painful, but I promise you it doesn’t have to be awkward. As corny as it sounds, it can actually bring you closer together. It’s so important to understand your philosophy on money — and be able to discuss it with your partner, if you’re in a relationship. That’s why I’ll be hosting an upcoming coaching call, “Finding your personal money philosophy,” about this very topic. Only for members of [Money Coaching](). January Coaching Call Banner One call could change your life In the call, I’ll answer your toughest money questions, and: - We'll walk through the biggest opportunities and stickiest challenges in taking control of your money. - I'll do money makeovers — live, right on the call. - I'll conduct live Q&As to help everyone break through any blockers holding them back. One call, one question, could change your finances and expand your Rich Life forever. You’ll get access to the call as part of [Money Coaching]() — my step-by-step, exclusive program for achieving your Rich Life. And I’m offering a 10% discount on annual subscriptions, this week only. Just use the code MC10OFF at checkout. Money Coaching [Use the code MC10OFF at checkout for 10% off]() (annual subscriptions only) Whether you’re getting married, moving in together, or just getting serious about money, it’s always a good time to discuss finances with your significant other. For many, this conversation is scary or awkward. But it doesn’t have to be. Photo Collage If I had negative feelings around money, I would’ve never given myself the chance to live these Rich Life experiences. Think about it…money allows you to dream bigger, be more generous, and be more adventurous. What’s the point of saving and investing money if you’re just going to wait until you’re 80 to spend it? The most important part of a Rich Life is outside a spreadsheet. It involves relationships, new experiences, and giving back. What about you? What would you need to do in 2024 to make your Rich Life dreams a reality? The answer is different for everyone. [David Stanton] "Like many, I have cycled through the highs and lows of corporate life. Over the years, Ramit's work has intrigued me.... I always thought I am money-smart and have lived comfortably in the corporate world. Many years later, I had a rude self-assessment when I tried to educate my son about money matters. Once again, I turned to Ramit for ideas to learn and pass on. I signed up for Money Coaching and discovered that I did some things right after all, but I could have been better. I leveraged time to grow my retirement savings, called Superannuation in Australia. After 35 years, I had a low seven-figure balance, but I noticed it had plateaued in the last few years. On Ramit's advice, I checked the fees, and about 2% per annum was taken from my account. The investments were also too conservative for my life stage. After investigating Vanguard's lifestyle account, I transferred my funds. After five weeks, the capital has increased by an amazing $47k. I am so happy that my retirement savings are on the move again. Now I can refocus on teaching my teenage son the value of time, automation, and fee minimization." – David Stanton [Katelyn Kyles] "I've come SO FAR from the person who used to just think that investing was for rich people, credit cards were how you get things you wanted but couldn't afford, and just didn't know what I didn't know. It's a win! When I first started listening to the podcast, I wasn't making much in my business (or maybe I should say, what I thought wasn't enough to make a difference) but I was storing away the information for when it 'applied' to my situation. Fast forward a bit and my business is hitting goals every month, eventually had my highest grossing month (by double) and I FINALLY had that light bulb go off that I was finally in the spot to put myself and my future self in a better position. Since then, with the Money Coaching and finally feeling the push to think about planning for the future for the first time ever, I've been able to save, pay off most of my debt, and start investing... I've also gotten to travel to some amazing places (hence the photos!) without the stressor of the cost." – Katelyn Kyles Let’s design your Rich Life, {NAME} Don’t wait until you’re 80 to have fun. Whatever that one money security goal you’ve been putting off is, this is the year to make it happen. No matter what your Rich Life is — going on a hike with beautiful views every Saturday, having the freedom to tip $50 on a $20 bill, or saving aggressively to retire a decade early — you can achieve it! My students and I are proof that your Rich Life is possible. This is our year to dream bigger than we ever thought possible. Let me know exactly what you hope to accomplish this year — and make it extreme. Seriously, reply to this email and tell me. If you want to learn all of this: - How to master your psychology, which is essential to living your Rich Life - How to rewrite the invisible scripts stopping you from getting ahead - How to make the system work for you, no matter how much money you have right now - My debt paydown plan for eliminating your debt - How to set accurate numbers for your Rich Life Goals …then reserve yourself a seat in [Money Coaching](). You’ll start seeing and spending money differently, so you can enjoy your Rich Life today. This week only: [Use the code MC10OFF at checkout for 10% off]() (annual subscriptions only). [Signature] [Programs]() [Podcast]() [Netflix show]() [Books]() [Website]() [IG]() [in]() [X]() [YT]() Was this forwarded to you? [Sign up here](). [Unsubscribe here](. 548 Market St #89946 San Francisco, CA 94104-5401