260. "We’re in our 40s and forgot to invest. Are we screwed?"

About this episode

Ramit Sethi helps an engaged couple in their forties navigate their tangled financial lives as they prepare for marriage and a future child.

Ramit Sethi of I Will Teach You To Be Rich talks to Nicole and Shane, an engaged couple in their forties getting married in just 11 days. Together they earn $241,000 a year, have a net worth of $588,000, and hold $265,000 in savings, but their financial lives are still tangled. Nicole has built a rich life around travel, dining out, and intentional spending, while Shane is a natural saver whose job has covered most of his living expenses. As they prepare for marriage, a future child, and a major shift in Nicole’s income, Ramit helps them confront the messy reality of combining money, separating business and personal finances, investing more aggressively, and turning vague dreams into a real shared Rich Life. In this episode we uncover: • Why Nicole’s $10,000-a-month spending shocked Shane early in their relationship • How Nicole built a “Rich Life” for one through travel, dining out, and dedicated savings • Shane’s unusual work setup where housing, food, and utilities have been covered • The tension of combining finances just 11 days before their wedding • Why Nicole feels judged for her lifestyle, even though her numbers are strong • Their combined income of $241,000 a year and…

People in this episode

Host: Ramit Sethi

Guests: Nicole, Shane

Topics covered

• investing
• financial planning
• relationships
• marriage
• savings
• income

Keywords

• investing
• financial planning
• couples finance
• Rich Life
• savings
• income
• marriage
• budgeting

Mentioned in this episode

Organizations: I Will Teach You To Be Rich

More episodes of Money For Couples with Ramit Sethi

• 264. "We’re worth $4M. Why is she so terrified to spend?" · June 9, 2026 · 1h 52m
• 263. "We spend 102% of what we make. Will we ever stop drowning?" · June 2, 2026 · 1h 40m
• 262. "We make $167k. Why do we feel poor?" · May 26, 2026 · 1h 53m
• 261. "We’re in our 40s with nothing saved. Will we be ok?" · May 19, 2026 · 1h 33m
• 259. "We’re worth $1.5M but I refuse to buy new pants" · May 5, 2026 · 1h 46m
• 258. "We had $900K. Now we’re $100K in debt" · April 28, 2026 · 1h 34m