Money for Couples
by Ramit Sethi
Key Concepts
Rich Life Vision
Define your combined ideal life to align financial decisions with shared aspirations.
Automate Finances
Set up automatic transfers for savings, investments, and bills to remove decision-making friction.
No-Limit Accounts
Establish separate personal spending accounts for each partner to eliminate arguments over small purchases.
Money Dates
Schedule regular, judgment-free discussions about finances, goals, and progress.
Conscious Spending
Intentionally allocate money to what you both value and ruthlessly cut what you don't.
Action Items
Schedule a recurring 'Money Date' to discuss finances openly and without blame.
Automate all bill payments, savings, and investment contributions immediately after payday.
Create individual 'No-Limit' spending accounts for each partner to use freely.
Define and articulate your shared 'Rich Life' vision before making major financial decisions.
Establish a joint 'Rich Life' fund for shared experiences and long-term goals.
Core Thesis
Achieving financial harmony in a relationship stems from shared vision, open communication, and automated systems, not restrictive budgeting.
Mindset Shift
Financial discussions with your partner evolve from stressful arguments about scarcity to empowering conversations about building a shared, joyful future.