281. "We have 4 kids and nearly $1M in debt. Are we screwed?”

Money For Couples with Ramit Sethi · Oct 6, 2026 · 1h 54m

Ramit unpacks what happens when inconsistent income, mounting debt, and years of avoiding difficult money conversations leave a couple in their 40s feeling like they’re running out of options.

Ramit Sethi of I Will Teach You to Be Rich talks with Rebecca and Matthew, who have been married for 16 years and have four children. They earn around $185,000 a year, but their income is unpredictable, their fixed costs are at 84%, and they have just $1,000 in savings and $45,000 invested. They also have more than $633,000 in debt plus another $350,000 in law school loans that could bring their total…