274. "We have a newborn and 89% of our income is already spent...Now what?"

Money For Couples with Ramit Sethi · Aug 18, 2026 · 1h 58m

Ramit Sethi of I Will Teach You To Be Rich speaks with Shelby and Calvin, 31 and 43, who have a new baby and feel trapped by their financial situation. Together they earn about $102,000 a year, but they have just $3,500 in savings, more than $20,000 in debt, and $0 currently going toward savings or investments.

Shelby wants more structure and transparency, while Calvin admits that talking about money makes him uncomfortable. Their relationship has also been strained by financial secrecy, including a personal loan Shelby believed had already been paid off.

Once their baby expenses are fully…